Haus

What Haus does

Haus (legal entity Haus Tech, Inc.) is a San Francisco-based financial technology company founded in 2015 that operates a shared equity homeownership platform as an alternative to traditional mortgage financing. Instead of lending money, Haus co-invests in the home alongside the homeowner: the buyer purchases the equity they can afford upfront, Haus purchases the remaining equity, and the homeowner retains title and on-title status. Haus functions as an equity partner, not a lender, and earns returns through appreciation sharing — when the home value rises, both parties benefit proportionally, and when it falls, both share in the loss. This structure is delivered through a 10-year partnership contract with monthly payments starting at $500 plus $100 per $100,000 of Haus's investment.

The core product, the Haus Partnership, is distributed direct-to-consumer through haus.com, with no physical retail locations or intermediaries. The platform serves general homebuyers as the primary segment and offers five specialized programs targeting specific demographics: the Impact Program (low-to-moderate income first-time homebuyers, 10% minimum down, $500k price cap, 80% AMI), the West Oakland Initiative (community leaders in West Oakland, CA), the Single Parent Program, the Medical Program (within 10 miles of a workplace), and the Teacher Purchase Program. A separate Homeowner Refinance flow addresses existing homeowners seeking to exit a traditional mortgage, and an Equity Dashboard enables real-time buying and selling of equity positions subject to underwriting review. Payment processing is delivered via Dwolla integration, and the platform is PCI DSS compliant.

Haus has raised approximately $22.85M across disclosed rounds: a 2019 seed of $4.1M led by Montage Ventures (with Expa and RIT Capital Partners), a 2019 follow-on of $3M, and a June 2020 Series A of $15.75M led by BlueRun Ventures, with participation from Assurant Ventures, H. Barton Asset Management, Correlation Ventures, Expa, LEAP Global Partners, Montage Ventures, and RIT Capital Partners. The company employs 11-50 staff and is headquartered at 660 4th Street #418, San Francisco, CA 94107. Marketing relies primarily on the company website, customer testimonials, FAQ-driven education, and endorsements from the American Homeowners Association and National Community Reinvestment Coalition. No revenue figure has been disclosed.

Name

Haus

Legal name

Haus Tech, Inc.

Website

https://haus.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Haus (Haus Tech, Inc.) is a San Francisco-based fintech that operates a shared equity homeownership platform, enabling buyers to purchase homes by co-investing alongside Haus rather than taking a traditional mortgage. The platform serves general homebuyers plus specialized segments including teachers, medical professionals, single parents, low-to-moderate income first-time buyers, and West Oakland community leaders.

Ownership category

akta.pro rank

Product category

Shared-Equity Homeownership Financing

NAICS

Lessors of Real Estate (5311)

SIC

Real Estate Dealers (For Their Own Account) (6532)

akta.pro primary industry

Affordable Housing & First-Time Buyer Brokerage (BPAJAAAD)

Keywords

• Shared equity homeownership
• Homeownership co-investment
• Alternative mortgage financing
• Affordable housing programs
• Real estate equity platform

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Shared Equity Investment Returns: Haus co-invests in homes alongside homeowners. When homes appreciate in value, Haus benefits from the increased equity. The company makes money through appreciation sharing - if the home's value goes up, both the homeowner and Haus benefit; if it goes down, they share in that as well.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Haus offers a shared-equity co-investment homeownership model in which the company purchases a portion of a home's equity alongside the buyer (who remains on title), enabling homeownership without a traditional mortgage. Homeowners receive lower monthly payments (starting at $500/month), a 10-year partnership term, and access to a digital Equity Dashboard for buying and selling equity in real time. The offering is delivered through targeted programs for general homebuyers, teachers, medical professionals, single parents, low-to-moderate income households, and West Oakland community leaders.

Product overview

Haus offers a unified shared-equity homeownership platform anchored by the Haus Partnership core product. The Haus Partnership is a co-investment model where Haus purchases equity alongside the homeowner, who retains title and control while benefiting from lower monthly payments compared to traditional mortgages. The platform includes specialized programs (Impact Program, West Oakland Initiative, Single Parent Program, Medical Program, Teacher Purchase Program) targeting specific demographics, a Homebuyer Platform for new purchases, a Homeowner Refinance option for existing homeowners, an Equity Dashboard for real-time equity management, and a Mortgage & Partnership Calculator for comparing financing options.

Differentiator

Problem solved

Functional benefit

Products and services

• Haus Partnership Shared-equity co-investment product in which Haus purchases the remaining equity in a customer's home while the homeowner stays on title, enabling homeownership without a traditional mortgage. Includes lower monthly payments (starting at $500 plus $100 per $100k of Haus investment), a 10-year partnership term with predictable monthly payments, and access to the Equity Dashboard for buying and selling equity in real time. For individual homebuyers and existing homeowners in the U.S.
• Homeowner Refinance Program through which existing homeowners can refinance their current mortgage into a Haus partnership, lowering their monthly payments and gaining access to the Equity Dashboard. For U.S. homeowners currently paying a traditional mortgage.
• Impact Program Targeted shared-equity program for low-to-moderate income (LMI) first-time homebuyers in developing areas. Requires 10% minimum down payment, caps home price at $500,000, and limits household income to 80% AMI. Monthly payments start at $500 plus $100 per $100k of Haus investment.
• West Oakland Initiative Targeted shared-equity program for community leaders (non-profit leaders, pastors, volunteers, cultural carriers) in West Oakland, CA. Allows home prices up to $1,000,000, with monthly payments starting at $500. Designed to keep community builders rooted in West Oakland.
• Single Parent Program Targeted shared-equity program for single parent households in qualifying areas. Home must be occupied as primary residence, and the buyer must complete a homebuyer education course. Designed to address the very low homeownership rate among single-parent families.
• Medical Program Targeted shared-equity program for medical professionals (doctors, nurses, etc.) enabling them to purchase homes within 10 miles of the hospital or medical institution where they work. Home must be occupied as primary residence.
• Teacher Purchase Program Targeted shared-equity program empowering full-time teachers to access affordable housing within the communities they serve. Home must be occupied as primary residence and the buyer must complete a homebuyer education course.

Quantifiable outcome

• At $500k home value with $1000/month payment: Haus costs $1,000/month vs mortgage at 6.5% APR costs $3,160/month
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Hometap: Home equity investment company that invests alongside homeowners in exchange for a share of home value, allowing homeowners to access cash without monthly payments. Direct competitor to Haus with similar shared equity model and self-serve platform.
• Point: Home equity investment fintech offering homeowners cash in exchange for a share of future home appreciation. Operates similar business model to Haus as a non-lender co-investor in residential real estate.
• Unlock Technologies: Shared equity home financing company allowing homeowners to trade a share of future appreciation for cash now. Competes with Haus in the equity-sharing alternative to traditional mortgages.
• Splitero: Home equity sharing company offering California homeowners cash for a share of future home appreciation. Direct competitor with similar shared-equity co-investment approach.
• Divvy Homes: Previously rent-to-own home platform that transitioned toward shared equity model. Competes with Haus by offering path-to-ownership structures for buyers unable to secure traditional mortgages.

Emerging players

• Flyhomes: Tech-enabled home buying brokerage offering cash-backed purchase guarantees and bridge financing. Competes in the alternative home financing space by helping buyers make all-cash offers before securing traditional financing.
• Ribbon: Cash offer home buying platform providing homebuyers with certainty of close before resale to traditional buyers. Operates in adjacent alternative home financing with similar affordability mission.
• Patch of Land: Real estate investment platform focused on alternative financing models. Operates in adjacent shared equity and alternative real estate investment space with similar mission to expand access to homeownership.

Broad incumbents

• Better.com: Digital-first mortgage lender competing for the same affordability-seeking homebuyers, offering streamlined mortgage origination at lower rates than traditional banks. Indirect competitor as a more affordable mortgage alternative.

Others

• Fundrise: Real estate investment platform enabling fractional ownership of residential and commercial properties. Comparable as a tech-enabled real estate investing company but serves investors rather than homebuyers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/haushq
• LinkedInlinkedin.com/company/haus-inc.

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds3 records

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Haus