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An Affordable Mortgage
Just when you need most

With households facing the worst housing affordability crisis in history, a $3 trillion market is ready for a better solution.

Contigo Capital's new mortgage gives homebuyers the market's most affordable terms, while significantly minimizing risk for lenders.


The Problem

The Worst Housing Affordability Crisis in History

All-time high housing prices and rising mortgage rates have created impossible conditions for homebuyers:


of potential homeowners name affordability as a primary obstacle


Average year-over-year increase in monthly mortgage payments


Decrease in industry-wide mortgage origination volume

At the Root of the Problem

Households are the weakest link in homeownership: highly leveraged, extremely fragile, and susceptible to financial hardship.

High leverage leads to high default risk

Households are deeply leveraged and exposed to real estate price fluctuations, risking their equity.

High default risk leads to affordability barriers

Lenders, anticipating potential defaults, safeguard their capital by creating affordability barriers for potential homebuyers:

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Large down payments

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High rates
& fees

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100% amortization


of homebuyers' monthly income is required for a mortgage

The Solution


Introducing the Risk-Transfer Mortgage™

The Key to the RTM™



of priced-out households can be returned to the affordability circle

As home value rises and falls, the loan’s remaining principal adjusts accordingly, so borrower and lender share both upside and downside.

Borrowers choose how much home value they share

Lendees have total flexibility to design their ideal financing strategy and tailor it to fit any budget and spending approach.

Enhanced real-estate buying power

The RTM™ introduces a transformative 20% increase in affordability for potential homebuyers.

Downside protection

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>30% lower monthly payments

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≤90% LTV

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The Risk-Transfer Mortgage™ (RTM™) is a new, more affordable mortgage with a simple yet innovative concept: the loan principal is linked to the value of the home.

How It Works

How It Works

The Fair Approach to Home Financing

Because the Risk-Transfer Mortgage™ is tied to the home value, the borrower and lender share the risk and the reward of real estate.

In a traditional mortgage, the lenders maintain the senior claim.
Their need to protect capital leads to unfavorable loan terms and other affordability barriers for borrowers.

A traditional mortgage creates highly leveraged borrowers


More leverage means higher default risk and more rigid loan terms

In the RTM™, the borrower and the lender share both risk and reward.
This decreases leverage, lowers default risk, and enables unparalleled loan terms.

The Risk-Transfer Mortgage trades leverage for better terms


Lower leverage means lower default risk and improved loan terms

News & Updates

More about shaping the ecosystem and restoring affordability

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