What Arrive Home does

Arrive Home LLC is a national housing-affordability facilitator, founded in November 2022 and headquartered in South Jordan, Utah, that operates exclusively through a B2B channel serving correspondent lenders, mortgage originators, government entities, and realtors. The company markets two core programs: (1) Down Payment Assistance (DPA) attached to FHA loans, offering 3.5% or 5% of purchase price or appraised value (whichever is lower), and (2) the Earned Equity Program (EEP), a lease-to-own/contract-for-deed structure for borrowers who cannot qualify for traditional mortgages, governed by an automatically renewing 10-year lease and structured through authorized agents of participating Native American tribes. The company's stated mission is to expand homeownership for Latino, African American, Native American, and Asian communities and other underserved populations.

On the technology side, Arrive Home runs a loan-origination platform that accepts 3.4/MISMO files, supports automated loan registration and pricing/locking, and provides a delegated, streamlined secondary-market purchase process with competitive turn times. Lender enablement is delivered through a dedicated portal, training rooms (separately maintained for DPA, EEP, and NFP tracks), and a marketing resource center. EEP fulfillment, final underwriting, and contract approval are performed by authorized agents of participating Native American tribes; Arrive Home explicitly does not act as a lender or solicitor of credit, and disclaims affiliation with FHA/HUD.

The business model is per-transaction facilitation fees and program-level economics on a private, by-invitation pricing schedule (lenders must apply to access the rate sheet). Revenue is not publicly disclosed. Go-to-market combines a sales-led approach with channel-partner distribution (correspondent lenders and realtors). No funding rounds are disclosed; ownership remains with co-founders Matt Pettit (CEO) and Tai Christensen (President), supported by COO Mark Tribuna (formerly Chairman/CEO of Nation One Mortgage) and EVP co-founders Shawn King (Sales) and Chris Tyrrell (Risk/EEP Channel). Scale signals include a stated ~15,000 assisted home purchases since April 2023, nationwide reach, and a 2025 partnership with FormFree for alternative-credit risk measurement.

Name

Arrive Home

Legal name

Arrive Home LLC

Website

https://arrivehome.org

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Arrive Home is a national B2B housing-affordability facilitator that provides down payment assistance for FHA loans and the Earned Equity Program lease-to-own product for nontraditional-credit borrowers, delivered through correspondent-lender, mortgage-originator, realtor, and government-entity partners.

Ownership category

akta.pro rank

Product category

Mortgage Lending Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Other Community Housing Services (624229)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

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

akta.pro secondary industries

Down Payment Assistance (DPA) Credit Enhancement & Subsidy Programs (FSALAJAI), Down Payment Assistance (DPA) & Homebuyer Subsidy Programs (FSALAKAE), Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

Keywords

• Down payment assistance
• Mortgage lending solutions
• Alternative credit programs
• Homeownership facilitation
• Affordable housing finance

Headquarters

HQ city

South Jordan

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Down Payment Assistance Programs: Arrive Home facilitates down payment assistance programs for FHA loans, providing assistance to help underserved borrowers achieve homeownership. The company works with government entities and correspondent lenders to expand access to homeownership.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

Arrive Home is a B2B facilitator that partners with correspondent lenders, mortgage originators, realtors, and government entities to deliver Down Payment Assistance (DPA) for FHA loans and the Earned Equity Program (EEP), a lease-to-own alternative credit solution. The company focuses on expanding access to homeownership for underserved populations, including Latino, African American, Native American, and Asian communities. Lender partners use Arrive Home's automated loan registration platform to submit and process loans tied to these programs.

Product overview

Arrive Home operates as a national housing affordability and homeownership solutions organization offering two primary programs: Down Payment Assistance (DPA) for FHA loans and the Earned Equity Program (EEP) for borrowers with non-traditional credit. DPA provides traditional down payment assistance attached to FHA loans, while EEP offers a lease-to-own/contract-for-deed pathway for those who cannot qualify for traditional mortgages. Both programs work through correspondent lender partners to expand access to homeownership for underserved communities.

Differentiator

Problem solved

Functional benefit

Brands

• DPA (Down Payment Assistance): Traditional down payment assistance program for FHA loans, offering 3.5% or 5% of purchase price or appraised value (whichever is lower).
• EEP (Earned Equity Program)

Products and services

• Down Payment Assistance (DPA) Traditional down payment assistance program attached to FHA loans, providing 3.5% or 5% of the lesser of purchase price or appraised value, rounded up to the nearest whole dollar. Delivered through approved correspondent lenders to help underserved borrowers achieve homeownership.
• Earned Equity Program (EEP) Contract-for-deed / lease-to-own program for consumers who cannot qualify for traditional mortgages. Participants enter a long-term purchase contract with monthly payments under a 10-year lease, with the option to buy at a fixed price during the term. Designed for nontraditional credit and underserved borrowers.

Quantifiable outcome

• Helped nearly 15,000 Americans achieve homeownership since April 2023

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• FormFreecoreTechnology or Integration · 14 January 2025Arrive Home partnered with FormFree to help borrowers with limited credit history. The partnership provides lenders access to an alternative method to measure credit risk, enhancing Arrive Home's ability to serve nontraditional borrowers.
• RealtorscoreChannel Partner/ Reseller/ DistributorRealtors partner with Arrive Home to connect their clients with down payment assistance options. The company maintains a dedicated Realtor portal and resources.
• Correspondent LenderscoreChannel Partner/ Reseller/ DistributorCorrespondent lenders access Arrive Home's DPA and EEP programs through the company's platform to offer homeownership assistance to their borrowers. The company provides training, marketing resources, and loan registration tools.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Chenoa Fund (Cascade Financial Services): Chenoa Fund is a national down payment assistance program administered by Cascade Financial Services that partners with FHA-approved lenders to deliver DPA to underserved and first-time homebuyers. It is the closest direct competitor to Arrive Home's DPA program in terms of target borrower, lender channel, and product structure.
• Home Partners of America (Blackstone): Home Partners of America, acquired by Blackstone, offers a lease-to-own pathway to homeownership for creditworthy renters who cannot immediately secure financing. It is directly comparable to Arrive Home's Earned Equity Program as an alternative path to ownership for nontraditional borrowers.
• Nations Lending: Nations Lending is a mid-sized correspondent and retail lender with established DPA programs for FHA and conventional loans. It competes with Arrive Home for the same correspondent lender relationships and underserved borrower segments.
• Homebridge Financial Services: Homebridge is one of the largest privately held mortgage lenders in the U.S., with significant correspondent channel presence and DPA offerings. It overlaps with Arrive Home in the correspondent lender channel and FHA DPA product category.
• Plaza Home Mortgage: Plaza Home Mortgage is a correspondent and wholesale lender with explicit specialty in DPA programs for first-time and underserved buyers. It competes for the same lender partnerships and borrower outcomes that Arrive Home targets.

Broad incumbents

• Guild Mortgage Company: Guild Mortgage is a major national mortgage lender with established DPA offerings, government-insured loan expertise, and minority homeownership initiatives. As a broad incumbent, it competes across Arrive Home's product categories but offers DPA as part of a much larger mortgage origination portfolio rather than as a specialized platform.

Regional players

• California Housing Finance Agency (CalHFA): CalHFA is California's state housing finance agency administering DPA and first-time homebuyer programs through approved lender partners. It is comparable to the government-entity side of Arrive Home's model but operates regionally rather than nationally.

Emerging players

• FormFree: FormFree provides alternative credit and asset verification technology for mortgage lenders, enabling assessment of thin-file and nontraditional borrowers. It is an Arrive Home partner and adjacent competitor in alternative credit underwriting that powers EEP-like programs industry-wide.
• eLEND Solutions: eLEND is a correspondent and wholesale lending platform that aggregates lender capacity and supports government loan programs. It is an emerging player in the same correspondent-channel infrastructure space Arrive Home occupies.
• Newfi Wholesale: Newfi Wholesale is a non-QM and alternative-doc mortgage wholesaler that partners with correspondent lenders to serve borrowers who don't fit agency guidelines. It competes with Arrive Home's EEP for the same underserved, non-traditional borrower segment through a different origination channel.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/61565358317307
• LinkedInlinkedin.com/company/arrive-home

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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 Arrive Home