What homium does

Homium, Inc. is a privately held financial technology company founded in 2018-2019 and headquartered in Sherman Oaks, California, with an additional office in New York. The company operates a shared appreciation mortgage platform that enables homeowners to access home equity without interest charges or monthly payments. Loans are structured as second-position second mortgages, typically funding 10-35% of home value, and are repaid only upon sale or refinance at a pro-rata share of the home's appreciation (a 1:1 ratio between the percentage borrowed and the percentage of appreciation shared). Homium serves four primary customer segments: first-time and income-constrained homebuyers (often below 80% AMI); existing homeowners seeking equity liquidity without added debt burden; state and local housing finance agencies, municipalities, and nonprofits sponsoring down payment assistance programs; and qualified institutional investors seeking tokenized exposure to owner-occupied residential real estate appreciation.

The company is built on a blockchain-native architecture running on the Avalanche Layer 1 blockchain, with tokenized securities issued via Securitize (an SEC-licensed digital asset transfer agent) and accessible to qualified institutional buyers under Rule 144A. Its core technology stack includes a patented underwriting and securitization process that enables instant tokenization of loan interests from inception, real-time portfolio monitoring at the individual-loan level, and dynamic pool valuations recalibrated monthly using Case Shiller housing index data for each loan's locality. Products include the Shared Appreciation Down Payment Assistance loan (core), the Homium Lending & Securitization Platform, Homium Tokenized Digital Securities, the Community Homeownership Fund (a pooled fund module for organizational sponsors), the Home Equity Unlock turn-key solution, and partnerships such as the Tobias Harris Homeownership Initiative with MSHDA in Detroit.

Homium monetizes through transaction-based revenue: origination and servicing fees on each loan, a share of home appreciation realized at repayment, and asset management fees from managing the tokenized investment vehicle. Distribution is hybrid — through a core lending partnership with Guild Mortgage for retail loan origination, direct enterprise sales of digital securities to qualified institutional investors, and direct partnerships with state/local HFAs, municipalities, and nonprofits for programmatic down payment assistance deployments. The company is led by CEO Marcus Martin (promoted February 2026), President/CTO Mike Chu, Founder and Executive Chairman Brett Markinson, and Co-Founder/CFO David Jette. As of the latest data, Homium operates primarily in Colorado with stated expansion into Utah, California, New York, and Michigan, and is backed by Sorenson Impact Group and the Avalanche Ecosystem Fund (Blizzard) following a $10 million Series A in April 2024.

Name

homium

Legal name

Homium, Inc.

Website

https://homium.io

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Homium is a blockchain-native fintech platform offering shared appreciation mortgages with no interest and no monthly payments, serving first-time homebuyers, homeowners seeking equity access, government and nonprofit program sponsors, and qualified institutional investors via tokenized securities.

Ownership category

akta.pro rank

Product category

Shared Appreciation Mortgage Lending

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Mortgage Bankers & Loan Correspondents (6162), Asset-Backed Securities (6189)

akta.pro primary industry

Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

akta.pro secondary industries

Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA), Home Equity Loan & HELOC Intermediation (FSAEAEAD), Housing Voucher & Rental Assistance Programs (Tenant-Based/Project-Based) (FSALAKAI), Down Payment Assistance (DPA) & Homebuyer Subsidy Programs (FSALAKAE)

Keywords

• Shared appreciation mortgage
• Home equity lending
• Tokenized real estate
• Down payment assistance
• Mortgage securitization

Headquarters

HQ city

Sherman Oaks

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Shared Appreciation Revenue: Homium earns a share of the home's appreciation during the life of the loan. When a homeowner repays (upon sale or refinance), they owe the principal amount borrowed plus a pro rata share of any price appreciation in the home's value. The percentage shared is equal to the percentage borrowed at inception (1:1).
2. Loan Origination and Servicing: Homium originates and services shared appreciation loans through its platform, generating fees from loan origination and ongoing servicing.
3. Digital Security Management: Manages the tokenized investment vehicle issuing and redeeming shares, providing monthly valuations and facilitating quarterly liquidity for institutional investors.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels3 records

Core offering

Homium originates and services shared appreciation mortgage loans, which are second-position home equity loans with no interest and no monthly payments. Homeowners borrow a percentage of their home's value (typically 10-35%) and repay that same percentage of the home's appreciated value upon sale or refinance. Homium pools these loans and tokenizes them on the Avalanche blockchain as digital securities offered to qualified institutional investors under Rule144A, and partners with state/local HFAs, municipalities, and nonprofits to deploy down payment assistance programs.

Product overview

Homium offers a unified platform for shared appreciation home equity financing. The core product is the Shared Appreciation Down Payment Assistance loan, a no-interest, no-monthly-payment second mortgage that homeowners repay based on their home's appreciation. This loan product is originated through the Lending & Securitization Platform, which pools loans together and tokenizes them into digital securities for institutional investors via the Homium Tokenized Digital Securities offering. Additional modules include the Community Homeownership Fund for organizational sponsors and the Home Equity Unlock turn-key solution. The company also partners with Guild Mortgage as its primary lending partner and has launched specific programs like the Tobias Harris Homeownership Initiative.

Differentiator

Problem solved

Functional benefit

Products and services

• Shared Appreciation Down Payment Assistance A second mortgage loan product offered through state/local HFAs, municipalities, nonprofits, and licensed lenders that helps qualifying homeowners with down payment assistance. Homeowners borrow 10-35% of home value and repay the same percentage of the appreciated home value at sale or refinance.
• Homium Lending & Securitization Platform A technology platform for pooled shared appreciation loans that enables non-profit funds to support homeownership and home equity financing, providing lending origination, securitization, and asset management capabilities for institutional investors and program sponsors.
• Homium Tokenized Digital Securities Privately placed digital securities backed by a dynamic pool of shared appreciation mortgage loans. Tokens represent shares in a pass-through LLC that owns and maintains the loan pool, providing institutional investors exposure to home price appreciation with quarterly liquidity via tender process.
• Community Homeownership Fund A pooled fund structure that allows organizations (HFAs, municipalities, nonprofits) to sponsor down payment assistance programs for first-time homebuyers. Sponsors set targeting criteria for demographics or regions, and funds are recycled through repaid loans.
• Home Equity Unlock A turn-key solution allowing organizations to become silent equity partners through shared appreciation loans, enabling purpose-driven capital deployment to bridge affordability gaps for first-time buyers.

Quantifiable outcome

• Home equity representing approximately 49% of net worth of homeowners in America (~$31 trillion total untapped equity)
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Six partnerships are on record, tiered core and strategic.

• Michigan State Housing Development Authority (MSHDA)coreStrategic or Co-development Partner · 28 April 2026Government partner in the Tobias Harris Homeownership Initiative (THHI), a Fair Shared Appreciation model program expanding citywide in Detroit to address affordability gap for lower and middle-income households.
• Tobias Harris (NBA Forward)strategicStrategic or Co-development Partner · 28 April 2026NBA player partnering with Homium and MSHDA on the Tobias Harris Homeownership Initiative, a shared appreciation program using Fair Shared Appreciation model as co-investor sharing in future home appreciation.
• Guild MortgagecoreChannel Partner/ Reseller/ Distributor · 16 April 2024Primary lending partner offering Homium shared appreciation mortgage loans through high-volume loan channels. Industry-leading mortgage originator and servicer providing distribution for Homium products in Colorado with expansion plans.
• SecuritizecoreTechnology or IntegrationSEC-licensed digital asset transfer agent maintaining token ownership on blockchain. Provides the infrastructure for Homium's tokenized securities and enables compliant transfer and custody of digital securities.
• ATLAS SP PartnersstrategicStrategic or Co-development PartnerAdvisory partner launched in early 2023 following Apollo Global's acquisition of Credit Suisse's Securitized Products Group. Provides expertise in securitization and structured products markets.
• Avalanche (Blockchain Platform)coreTechnology or IntegrationHomium's tokenized home equity loans are launched on Avalanche's Layer 1 blockchain. Avalanche provides the blockchain infrastructure for recording loan transactions and token transfers.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Kiavi (formerly LendingHome): Kiavi is a fintech lender that has historically funded real estate investor loans and is now extending into homeowner-focused products via securitization and capital markets. Comparable in its securitization-first model and capital markets orientation.
• Figure Technologies: Figure operates a blockchain-native home equity lending platform (HELOC originations on Provenance blockchain) and broader fintech lending. Comparable to Homium in its use of blockchain for mortgage lending, though at much greater scale and with a broader product set.
• Newfi: Newfi is a non-QM and wholesale mortgage lender with capital markets capabilities. Comparable to Homium in its focus on underserved borrower segments and use of securitization for capital deployment.
• Blend: Blend is a mortgage infrastructure platform serving lenders with digital origination, closing, and product configuration. Overlaps with Homium's lending and securitization platform as technology infrastructure for modern mortgage origination.

Direct peers

• Hometap: Hometap offers home equity investments where homeowners receive cash for a share of their home's future value, closely paralleling Homium's shared appreciation model. Both target homeowners seeking liquidity without monthly payments, and both work through a partner network to originate transactions.
• Point: Point offers home equity investments (HEIs) that let homeowners access equity for a share of future appreciation. Point is one of the closest pure-play competitors in the shared equity / home equity investment category where Homium operates.
• Unlock: Unlock provides a home equity agreement product allowing homeowners to trade a share of future appreciation for upfront cash. Directly comparable to Homium's shared appreciation second mortgage on product structure and target customer.

Others

• Habitat for Humanity: Habitat for Humanity operates shared-equity, affordable homeownership programs and partners with state/local entities, closely paralleling Homium's nonprofit sponsor model and DPA focus. Ecosystem partner / overlap rather than direct competitor.

Emerging players

• Homebase: Homebase enables co-ownership and shared equity in residential real estate, addressing homeownership affordability through fractional models. Overlaps with Homium's mission of making homeownership accessible without traditional debt.
• Splitero: Splitero provides shared equity home equity agreements primarily in California and select western states. Comparable niche player in the home equity sharing category with a more regional focus than Homium's multi-state ambitions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/homium
• LinkedInlinkedin.com/company/homium/about

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds1 record

Investors3 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 homium