Rebalancing the Financial System

Contigo Capital's revolutionary mortgage is significantly more affordable for borrowers, with dramatically less risk for lenders.

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Overview

A More Affordable Mortgage

How It Works

The Problem

The Worst Housing Affordability Crisis in History

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

73%

of potential homeowners name affordability as a primary obstacle

65%

Average year-over-year increase in monthly mortgage payments

90%

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:

Large down payments

High rates
& fees

100% amortization

41%

of homebuyers' monthly income is required for a mortgage

Product

Our Solution

Introducing the Risk-Transfer Mortgage™

The Risk-Transfer Mortgage™ (RTM™) by Contigo Capital offers borrowers unique, favorable and significantly better loan terms in exchange for a portion of their home's future value.

Through innovative technology, the RTM™ grants borrowers access to a new source of funding that enhances affordability, and grows their equity while reducing their financial fragility.