Credit Union Members Home Diversification: Revolutionizing Mortgage and Equity

For Credit Union Members

Achieve Homeownership with a Smarter Mortgage

The Home Diversified Mortgage is designed for you—offering financial stability and affordability like no other mortgage. With zero down payment, no PMI, and free home value protection, you can enjoy peace of mind while building your future.

Why Choose the Home Diversified Mortgage?

Zero Down Payment

Get started without saving for a large down payment

No PMI

Eliminate expensive private mortgage insurance, reducing your monthly costs

Guaranteed Stability

Homes are backed by a smoother, diversified Home Price Index (HPI), offering protection against market volatility.

Home Value Protection

Reduces foreclosure risk by 95%.

Mortgage Payment Protection

Covers payments during illness or unemployment.

How It Works Borrowers benefit from the SPV guarantee. If your home outperforms the SPV’s HPI, a portion of sale proceeds goes to the SPV. If it underperforms, the SPV compensates you for the difference.