We make homeownership safe and affordable

A Home Diversification Mortgage will:

    • Guarantee you diversified national home price appreciation
    • Eliminate PMI
    • Save you $160 monthly (on average)
    • Significantly reduce your foreclosure risk
    • Provide a mortgage payment protection feature
    • Deliver peace of mind you can’t find elsewhere


The new frontier in home-ownership. No one has a crystal ball that will predict what will happen 2, 5, 10 or more years into the future. Our “Peace of Mind” Home Diversification Mortgage enables homeowners for the first time ever to diversify what is often their largest, most concentrated asset – their home.

Unlike traditional mortgages, our product nearly eliminates credit risk to lenders. This revolutionizes the home finance market, empowering homeowners traditionally locked out of the market to affordably purchase a home. For the first time ever, consumers can utilize a low-down payment/no PMI mortgage to purchase a home while saving an average of $160 each month. 

A Home Diversification Mortgage also reduces foreclosure risk to the homeowner by more than 90%, delivering peace of mind protection against devastating financial catastrophe. And, it includes a mortgage payment protection feature for events such as job loss, disability, death, divorce, and more.

HDC Home Valuation Report

It’s probably your largest, most important asset, so it makes sense you know what’s truly going on with your home. Inform yourself by checking out our customized HDC home valuation report based specifically on your property.

It contains:

  • Current estimated value of your home
  • Recent change
  • Depiction of how your local market has performed relative to the national market since purchasing your home
  • Estimated (forecasted) future home value and equity position

It takes just a moment and a small amount of information to obtain your personalized report. Do so now!

You Owe It To Yourself To Protect The Value Of Your Home

We all learn young never to place all our eggs into one basket – better to spread them around. Yet, that is exactly what we do when purchasing or owning a home.

All our eggs are placed in one basket – at risk to the perils of our local home market

There is a better way – one that provides protection and peace of mind

Bottom line, by simply using a Home Diversification Mortgage versus a traditional product (ours is a second lien, but it’s subordinated, so you aren’t precluded from future finance options), you’re able to take advance of low-down payment/no PMI financing, which is not available elsewhere, 

Additionally, you immediately diversify and protect your largest asset, reduce your risk for foreclosure and gain the added benefit of mortgage payment protection. 

What’s more, our “peace of mind” mortgage enables you to maintain the precious equity in your home. Why is this important? Like most Americans, you probably have future plans for that equity, such as funding your daughter’s wedding, opening a business, retirement, etc. The Home Diversification Mortgage provides a much better probability you’ll be able to stay in your home no matter what happens, and eventually realize those all-important dreams.