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:
Large down payments
of homebuyers' monthly income is required for a mortgage
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.
Benefits for Borrowers:
-20% monthly payment
85% LTV with No PMI
©2023 by Contigo Capital, Inc.
*Borrower eligibility, property eligibility, and loan terms pending underwriting and approval