HomeAbroad
HomeAbroad is an AI-native PropTech and FinTech platform enabling foreign nationals and US newcomers to find and finance US residential real estate without US credit, combining Ziffy.ai property search with DSCR, foreign national, and newcomer mortgage programs and a 500+ CIPS agent network.
- Company typePrivate
- Founded2022
- HeadquartersBuffalo, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What HomeAbroad does
HomeAbroad Inc. is a US-based PropTech and FinTech platform that enables foreign nationals, US newcomers, and international investors to discover and finance US residential real estate without US credit history or US residency. The company combines an AI-native investment property search product branded as Ziffy.ai, which filters millions of MLS listings by rental income, cash flow, price range, and ROI, with a portfolio of specialized mortgage programs (DSCR, International Investor, US Newcomer, Full Documentation, Fix & Flip, Bridge). Loan origination is conducted through HomeAbroad Loans LLC, a wholly-owned NMLS-licensed mortgage subsidiary (NMLS #2625701), separating regulated lending activity from the consumer platform. Distribution leverages a network of 500+ Certified International Property Specialist (CIPS) agents, multilingual support teams, inside sales, and event-based outreach at international expos (IREX Dubai and India, Keyspire Investor Summit Canada).
The integrated offering extends beyond lending into end-to-end concierge services covering LLC formation, US bank account setup, homeowner's insurance placement, and property management coordination. Customer segments span four personas: non-resident global investors, US newcomers on H1B/L1/J1 or immigrant visas, established internationals/expats financing investment property on visas, and (more recently) domestic investors seeking DSCR-based qualification. Pricing is quote-based, with foreign national down payments typically starting at 20% and slightly elevated interest rates reflecting non-resident risk profiles.
Revenue mechanics span three streams: net interest income and origination fees on mortgages funded through HomeAbroad Loans LLC, referral commissions from CIPS agent partnerships, and professional service fees from ancillary offerings (LLC setup, insurance, property management). The company is privately held, bootstrapped with no disclosed funding rounds, founded in 2022, and headquartered in Buffalo, NY. Leadership is led by Founder & CEO Amresh Singh (14+ years mortgage experience, NMLS #2549148) and CTO Debjit Saha, with Steven Glick serving as Director of Mortgage Sales.
HomeAbroad firmographics
Firmographics- Name
- HomeAbroad
- Legal name
- HomeAbroad Inc.
- Website
- https://homeabroadinc.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- HomeAbroad is an AI-native PropTech and FinTech platform enabling foreign nationals and US newcomers to find and finance US residential real estate without US credit, combining Ziffy.ai property search with DSCR, foreign national, and newcomer mortgage programs and a 500+ CIPS agent network.
- Ownership category
- akta.pro rank
Where HomeAbroad is headquartered
LocationHeadquarters
- HQ city
- Buffalo
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
HomeAbroad business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D
Revenue model
- Mortgage Lending: HomeAbroad Loans LLC (NMLS #2625701), a 100% owned subsidiary of HomeAbroad Inc, offers mortgage products including DSCR loans, Full Documentation loans, Fix and Flip loans, and Bridge loans. Revenue generated from interest income and loan origination fees on mortgages funded to customers.
- Real Estate Agent Referrals: HomeAbroad connects buyers with CIPS-certified real estate agents and earns referral fees or commissions from agent partnerships. The platform facilitates connections between international investors and specialized agents.
- Platform Services: Services include LLC formation assistance, US bank account setup coordination, insurance placement, and property management coordination. Additional services may include valuation, listing, and selling assistance for investors planning to exit.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Foreign National Mortgage - No US Credit Required |
| Other | Multi-year contract | DSCR Loan - Investment Property Financing |
| Other | Multi-year contract | US Newcomer Mortgage |
| Other | Pay-as-you-go | Fix and Flip Loan |
| Other | Pay-as-you-go | Bridge Loan |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
HomeAbroad product offering
Product offeringCore offering
HomeAbroad is an AI-native PropTech and FinTech platform that pairs a Ziffy.ai investment property search and ROI analysis tool with a suite of specialized mortgage programs (DSCR, Foreign National, US Newcomer, Fix and Flip, Bridge, Full Documentation) originated through HomeAbroad Loans LLC (NMLS #2625701). The company also operates a 500+ agent CIPS-certified referral network and offers end-to-end concierge services including LLC formation, US bank account setup, insurance coordination, and property management.
Product overview
HomeAbroad is a unified PropTech and FinTech platform that combines an AI-native property search system (Ziffy.ai) with a portfolio of specialized mortgage products for international investors and US newcomers. The core platform enables users to discover cash-flowing investment properties using AI-powered filtering and ROI analysis, then finance them through loan programs designed specifically for foreign nationals without US credit history. Key products include DSCR Loans (qualifying on rental income), International Investor Mortgages, US Newcomer Mortgages, Fix and Flip Loans, Bridge Loans, and Full Documentation Loans. The platform is supplemented by a network of 500+ CIPS-certified real estate agents and end-to-end concierge services covering LLC formation, bank account setup, insurance, and property management.
Differentiator
Problem solved
Functional benefit
Brands
- Ziffy: AI-powered investment property search platform for finding and analyzing U.S. real estate investments
- HomeAbroad Loans LLC
Products and services
- HomeAbroad Platform (AI-Native PropTech and FinTech) Unified PropTech and FinTech platform combining AI-powered investment property search (Ziffy.ai) with foreign national mortgage programs, enabling global investors to find, analyze, and finance cash-flowing US real estate in one system. Targets foreign nationals, US newcomers, expats, and domestic investors.
- DSCR Loan Debt Service Coverage Ratio loan for real estate investors that qualifies borrowers based on the property's rental income rather than personal income, credit score, W2s, or tax returns. Designed for investors without US credit history and for those seeking to qualify on rental cash flow.
- International Investor Mortgage (Foreign National Mortgage) Mortgage program for non-resident international investors requiring no US credit history, no green card, and no visa for eligibility; accepts International Credit Report, foreign income, and asset documentation. Typical down payment starts from 20%.
- US Newcomer Mortgage Mortgage program for US newcomers with no or thin US credit history, qualifying via US employment letter instead of W2s or US tax returns; enables visa holders to build equity rather than pay rent.
- Fix and Flip Loan Short-term financing for real estate investors purchasing distressed properties, renovating them, and reselling for profit within a compressed timeframe.
- Bridge Loan Short-term financing that covers the gap between buying a new property and selling an existing one, providing interim capital for down payments.
- Full Documentation Loan Traditional mortgage requiring complete financial documentation including tax returns, bank statements, and proof of income for borrowers with standard qualification profiles.
- CIPS-Certified Real Estate Agent Network Network of 500+ CIPS-certified real estate agents with international expertise and multilingual support, matched to international buyers based on investment goals, property type, location, and language.
- End-to-End Concierge Service Comprehensive support covering LLC formation, US bank account setup, homeowner's insurance coordination, and property management coordination, delivered alongside the mortgage and agent services for a seamless US real estate investment.
Quantifiable outcome
- Mortgage closing within 30 days
- +3 more outcomes
Companies that use HomeAbroad
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles4 records
HomeAbroad technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature5 records
HomeAbroad partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor.
- Mortgage Bankers Association (MBA)minorHomeAbroad Loans LLC is a member of the Mortgage Bankers Association (MBA). MBA is a trade association for the mortgage lending industry. Membership indicates compliance with industry standards and access to industry resources and networking.
- National Association of Realtors (NAR)minorHomeAbroad is referenced on NAR's 'Working with International Clients' page, indicating industry recognition and partnership in serving international real estate buyers.
Scale indicators5 records
Recent moves7 records
Expansion highlights6 records
HomeAbroad competitors and assessment
Company assessmentBroad incumbents
- Rocket Mortgage: Largest US retail mortgage originator. While not focused on foreign nationals, Rocket's Rocket Pro wholesale channel and broad consumer brand pose a competitive threat if it expands non-QM / foreign national offerings, and it dominates mainstream comparison shopping.
- Compass: Large national real estate brokerage and technology platform with an agent network. Comparable in the agent-network + technology distribution layer that HomeAbroad is building at smaller scale.
- Zillow: Largest US residential real estate portal with property search, lead generation, and a mortgage origination arm. Comparable in the AI-driven property discovery and lead-routing layer, and a potential partner or competitor for HomeAbroad's Ziffy.ai product.
- Redfin: Tech-driven real estate brokerage and portal. Comparable as a PropTech distribution channel, and HomeAbroad has been featured on Redfin — overlapping in the buyer-discovery layer that Ziffy.ai also addresses.
- United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender. While UWM focuses on conventional products, its scale and broker relationships could be redirected toward foreign national / DSCR products that compete with HomeAbroad's offerings.
Direct peers
- Angel Oak Mortgage Solutions: Specialized non-QM and foreign national mortgage lender offering DSCR, bank statement, and non-QM products. Most direct comparison to HomeAbroad's loan product set, though operating at much larger scale with established securitization programs.
- Newfi Wholesale: Non-QM lender with a strong foreign national / non-resident program, competing head-to-head with HomeAbroad for DSCR and international investor originations, with deeper capital markets infrastructure.
- Verus Mortgage Capital: Non-QM and investor loan specialist offering DSCR, foreign national, and rental property financing. Closely comparable in product mix targeting real estate investors without traditional income documentation.
Emerging players
- Better.com: Digital-first mortgage lender with a consumer brand and proprietary technology stack. Comparable as a tech-forward mortgage originator, though not currently specialized in foreign national lending.
- Patch Homes: Tech-enabled home financing platform targeting underserved borrower profiles. Comparable as a niche, technology-led mortgage solution targeting non-traditional qualification paths.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
HomeAbroad social profiles
Digital presenceHomeAbroad compliance and trust
Trust signalCompliance2 records
HomeAbroad financial estimates
Financial estimateRevenue estimate
Valuation estimate
HomeAbroad leadership team
Management profileNumber of profiles
Profiles3 records
HomeAbroad subsidiaries and ownership
Company hierarchySubsidiaries1 record
HomeAbroad funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HomeAbroad 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 HomeAbroad
What does HomeAbroad do?
HomeAbroad is an AI-native PropTech and FinTech platform that pairs a Ziffy.ai investment property search and ROI analysis tool with a suite of specialized mortgage programs (DSCR, Foreign National, US Newcomer, Fix and Flip, Bridge, Full Documentation) originated through HomeAbroad Loans LLC (NMLS #2625701). The company also operates a 500+ agent CIPS-certified referral network and offers end-to-end concierge services including LLC formation, US bank account setup, insurance coordination, and property management.
Is HomeAbroad a public or private company?
HomeAbroad is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was HomeAbroad founded?
HomeAbroad was founded in 2022. It employs 11 to 50 people.
Where is HomeAbroad based?
HomeAbroad is headquartered in Buffalo, United States, in the North America region.
How does HomeAbroad make money?
Three revenue lines are on record. Mortgage Lending is the primary driver. The others are real Estate Agent Referrals and platform Services.
Who are HomeAbroad's main competitors?
Broad incumbents on record are Rocket Mortgage, Compass, Zillow, Redfin and United Wholesale Mortgage (UWM). Direct peers are Angel Oak Mortgage Solutions, Newfi Wholesale and Verus Mortgage Capital. Emerging players are Better.com and Patch Homes.
Does HomeAbroad have an API?
No public API is recorded for HomeAbroad.