Balance
- Company typePrivate
- Founded2021
- HeadquartersWest Hollywood, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Balance does
Balance Homes, Inc. is a U.S.-based residential real estate co-ownership company founded in 2021 and headquartered in Los Angeles, California. The company operates a single core product — a co-ownership program in which Balance purchases a portion of an eligible homeowner's house, uses the equity purchase proceeds to pay off the homeowner's existing mortgage and other debts, and becomes a co-owner on title. The homeowner remains in the home, makes monthly payments to Balance (including an occupancy waiver fee, their share of property taxes, insurance, HOA dues, and a management fee), and can incrementally buy back Balance's share or sell the home and receive their share of proceeds, with a maximum 7-year co-ownership term and no minimum credit score requirement.
Balance's technology footprint consists of a marketing website, a self-serve onboarding portal (onboard.balancehomes.com), and a customer management portal (portal.balancehomes.com); no proprietary AI/ML, algorithmic underwriting, or platform technology is disclosed in available sources. The company's revenue model combines a one-time 3% transaction fee on the equity purchase at closing with recurring monthly occupancy and management fees over the life of each co-ownership arrangement. Balance charges no minimum credit score and closes in as few as 21 days, targeting credit-challenged U.S. homeowners (average pre-enrollment credit score of 538) seeking to avoid foreclosure, pay off high-cost debt, lower monthly payments, or access home equity without taking on new debt.
Distribution is entirely direct-to-consumer within the United States via content/SEO marketing, paid search, organic social, and inbound phone/web leads. As of March 2026, the company completed a $30 million investment led by Falco Group to relaunch and enhance its co-ownership program, having previously raised approximately $25 million in a 2022 round led by Seven Seven Six with participation from Bragiel Brothers, Cambrian Ventures, Evolution Ventures, Liquid 2 Ventures, and Moore Capital. The company maintains BBB accreditation and 4.9/5.0 ratings on both Google Reviews and Trustpilot.
Balance firmographics
Firmographics- Name
- Balance
- Legal name
- Balance Homes, Inc.
- Website
- https://balancehomes.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Balance industry classification
Industry- Product category
- Home Equity Co-Ownership Financing
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Home Equity–Based Debt Consolidation (HEL/HELOC for consolidation) (FSAKAIAE)
- akta.pro secondary industry
- Cash-Out Refinance Origination (FSALAAAF)
Keywords
Where Balance is headquartered
LocationHeadquarters
- HQ city
- West Hollywood
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Balance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Supply Chain
Revenue model
- Transaction Fee: Balance charges a one-time transaction fee equal to 3% of the purchase price of the home at closing. This is the primary upfront revenue from each co-ownership transaction.
- Monthly Occupancy and Management Fees: Co-owners pay Balance a monthly fee consisting of an occupancy waiver fee, their share of property taxes, homeowners insurance, HOA fees, and a management fee. This provides recurring monthly revenue for the duration of each co-ownership arrangement.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Transaction fee of 3% of purchase price |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
Balance product offering
Product offeringCore offering
Balance Homes provides a home equity co-ownership solution for U.S. homeowners in financial distress. The company purchases a portion of the homeowner's property, uses the proceeds to pay off the existing mortgage and other debts, and becomes a co-owner on title. The homeowner remains in the home, makes monthly payments to Balance, and can incrementally buy back Balance's share or transition to a traditional mortgage. The product charges a 3% transaction fee at closing plus recurring monthly occupancy/management fees, with no minimum credit score and closing timelines as short as 21 days.
Product overview
Balance Homes offers a single unified product: a home co-ownership program that enables homeowners to access equity in their homes without taking on additional debt. Balance buys a portion of the home, pays off the existing mortgage and other debts, and becomes a co-owner. The homeowner remains living in the home while making monthly payments to Balance. The program includes an equity purchase option allowing homeowners to incrementally or fully buy back Balance's share over time. Balance charges a 3% transaction fee and has a maximum 7-year co-ownership term with no minimum credit score requirement.
Differentiator
Problem solved
Functional benefit
Products and services
- Balance Homes Co-Ownership Program A home co-ownership solution where Balance purchases a portion of the homeowner's house, pays off the existing mortgage and other debts, and becomes a co-owner on title. The homeowner stays in the home, makes monthly payments to Balance, and works toward rebuilding credit and regaining full ownership. Available to U.S. homeowners with no minimum credit score requirement.
- Equity Purchase / Buyback Option Allows Balance co-owners to incrementally buy back Balance's ownership share at any time to increase their ownership percentage, or repurchase Balance's full interest entirely, providing a path back to full homeownership or transition to a traditional mortgage.
Quantifiable outcome
- Monthly payments can be up to 30% lower compared with current monthly mortgage and debt payments
- +5 more outcomes
Companies that use Balance
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
Balance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Balance partnerships and signals
Strategic signalScale indicators6 records
Recent moves5 records
Expansion highlights5 records
Balance competitors and assessment
Company assessmentEmerging players
- EasyKnock: EasyKnock runs a sale-leaseback program where it buys the home outright and leases it back to the homeowner. The mechanism differs from Balance's partial co-ownership, but the customer (distressed homeowner seeking cash without moving) and value proposition (stay in home, avoid foreclosure) overlap materially.
- Knock: Knock offers a home trade-in service that lets equity-rich but financially stressed homeowners move on their timeline, similar to Balance's "stay in your home, fix your finances" narrative. The product is brokerage/inventory-led rather than co-ownership, so overlap is partial but customer-centric.
Direct peers
- Truehold: Truehold operates a whole-home co-ownership model where it purchases the home outright, pays off the mortgage, and rents it back to the owner, with a path to buy back. This is a very close analog to Balance's co-ownership framing, differentiated mainly by Truehold buying 100% vs. Balance taking a partial share.
- Unlock: Unlock was a home equity sharing company offering homeowners cash in exchange for a share of future appreciation. It is directly comparable to Balance in product mechanism and target customer, and was acquired by Hometap in 2023, consolidating the HEI category against which Balance competes.
- Splitero: Splitero offers home equity sharing products to U.S. homeowners, including partial purchases of home equity for cash. Founded around the same time as Balance (2021), it is a direct competitor in the co-ownership / equity-share category.
- Hometap: Hometap is one of the largest U.S. home equity investment (HEI) companies, buying a share of a homeowner's equity and providing cash without monthly interest payments. It directly competes with Balance for the same distressed-but-equity-rich homeowner, with a near-identical investment-based (rather than loan-based) structure.
- Point: Point is a pioneering home equity investment company that gives homeowners cash in exchange for a share of future appreciation. It competes head-to-head with Balance in product mechanism (equity share vs. loan), target customer (homeowners seeking alternatives to refinancing), and pricing model.
Broad incumbents
- Rocket Mortgage: Rocket Mortgage is the largest U.S. retail mortgage originator, including cash-out refinance and HELOC products. It represents the conventional path Balance positions against, and its scale, brand, and broker channel set the benchmark Balance must beat on customer acquisition cost and conversion.
- Better.com: Better.com is a large digital mortgage lender offering cash-out refinance and HELOC products directly to consumers. It overlaps with Balance on digital UX, direct-to-consumer GTM, and target customer (homeowners seeking equity access), but operates within traditional debt-based lending rather than co-ownership.
- Figure Technologies: Figure is a fintech lender offering HELOCs and home equity loan products via a digital platform. It serves a similar customer need (access home equity) via a debt-based model, positioning it as the traditional incumbent alternative to Balance's equity-share product.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Balance social profiles
Digital presenceBalance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Balance leadership team
Management profileNumber of profiles
Profiles2 records
Balance subsidiaries and ownership
Company hierarchySubsidiaries1 record
Balance funding detail
Funding detailFunding overview
Funding rounds4 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Balance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Balance
What does Balance do?
Balance Homes provides a home equity co-ownership solution for U.S. homeowners in financial distress. The company purchases a portion of the homeowner's property, uses the proceeds to pay off the existing mortgage and other debts, and becomes a co-owner on title. The homeowner remains in the home, makes monthly payments to Balance, and can incrementally buy back Balance's share or transition to a traditional mortgage. The product charges a 3% transaction fee at closing plus recurring monthly occupancy/management fees, with no minimum credit score and closing timelines as short as 21 days.
Is Balance a public or private company?
Balance is a private company. It is classified as venture growth investor backed and is currently operating.
When was Balance founded?
Balance was founded in 2021. It employs 1 to 10 people.
Where is Balance based?
Balance is headquartered in West Hollywood, United States, in the North America region.
How does Balance make money?
Two revenue lines are on record. Transaction Fee is the primary driver. The others are monthly Occupancy and Management Fees.
Who are Balance's main competitors?
Emerging players on record are EasyKnock and Knock. Direct peers are Truehold, Unlock, Splitero, Hometap and Point. Broad incumbents are Rocket Mortgage, Better.com and Figure Technologies.
Does Balance have an API?
No public API is recorded for Balance.
What industry is Balance in?
Balance's product category is Home Equity Co-Ownership Financing. Its primary akta.pro industry code is FSAKAIAE, Home Equity–Based Debt Consolidation (HEL/HELOC for consolidation), with a secondary code of FSALAAAF, Cash-Out Refinance Origination. Its NAICS code is 522310 and its SIC code is 6162.