HomeOwnersTrustFund.com
Debt free homeownership through one time, full capital grants
You own the home. No mortgage payment. You manage taxes, insurance, and maintenance.
How it works
- Household applies, gets vetted through four step gates.
- Approved households receive a unique ID for directed funding.
- Donors fund a General Pot or a specific household ID.
- Closing includes deed restrictions and repayment triggers.
Non negotiables
One and done
One grant per person or household, per lifetime. Adults from a funded household stay ineligible for life.
Primary residence
A right of reversion or grant lien applies. Selling or renting inside the window triggers repayment to the General Pot.
Safety first
Background safety flags result in a permanent ban. The platform rejects unsafe placements.
Donors fund a pot or a person
Donors choose community support or directed support, with strong privacy defaults.
- General Pot closes funding gaps and supports Level 3 emergencies.
- Individual ID directs funds to a vetted household, using anonymous data stories.
- Stripe Connect supports destination charges for clean routing.
The goal is a home, not an investment asset.
Restrictions and monitoring protect donor intent and household stability.
Privacy by design
Encrypted PII
Identity data stays encrypted. Public views show anonymous data stories.
Automated checks
Annual checks of property tax records and homestead exemption status support occupancy enforcement.
Backend build brief
Multi stage logic engine. Zip code median price and headcount filters. Lifetime household limit flags. Grant lien tracking. Unique IDs for directed funding.