Haus Mortgages

Haus Mortgages: Co-Investing Review [2021]

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Co-Investing Mortgages

Haus Mortgages

Homes are considered our most important investment. However, even for those fortunate to own their own home, it can often be difficult to tap into a home’s equity.

We often want to use our home’s equity to do important things, such as make renovations, or even consolidate debt.

Additionally, we often lack sufficient funds to make the down payments on the homes we want to buy as well; this can be a significant discriminator when it comes to homeownership.

Fortunately, innovative financial services companies like Haus have introduced innovative shared equity agreements that make it easier to purchase a home with lower mortgage payments and provide more access to your home’s equity as well.

Let’s take a closer look at Haus lending, so you can determine if Haus home equity sharing will work for you. 

Onto our Haus review!

Find out how much you qualify for with the Haus mortgage calculator.

What is Haus? What Are Haus Mortgages?

Haus is a relatively young financial services company that was launched in San Francisco in 2016, with the aim of making homeownership more affordable.

Haus effectively partners with homeowners by buying a share of the equity in their homes, which helps the homeowner make a larger down payment and leads to lower mortgage costs.

Doing so also gives the homeowner increased access to his or her equity as well.

Eventually, the homeowner is required to pay back Haus’ investment, along with a share of any value that the home may have appreciated. If the home depreciates in value, Haus shares in the loss as well.

This innovative tech company aims to make homeownership more accessible and versatile and has recently raised $7.1 million in new funding to continue building its capacity. 

This sum includes a $4.1 million seed equity investment led by Montage Ventures, as well as $3 million in debt to help Haus fund its current co-investment model.

As part of his innovative startup studio Expa, Uber co-founder Garrett Camp helped develop Haus. Its aim when it first launched in 2016 was to digitize and make the home-buying process more transparent.

Since then, former Trulia executive Jonathan McNulty has taken over as CEO, and he’s brought in the co-investment or shared equity model, in which Haus helps to fund a purchase by purchasing equity in the home.

Shared equity isn’t a new concept, but it hasn’t been as readily available as it is now, with companies like Haus offering this unusual home buying option.

With share equity, instead of taking on loans in a home purchase, the new homeowner shares the costs and benefits of fluctuating home prices with Haus. Instead of paying off a mortgage, the homeowner pays Haus annually, which buys more equity, and in turn, helps to pay the company and its investors.

Payments under the innovative Haus shared equity model are estimated to be 30 percent less expensive than a typical mortgage payment, according to the firm.

Additionally, according to Haus, the platform limits the “option” part of the payment such that homeowners still buy the same amount of equity as they did with their first payment, even though the home’s value rises.

Haus Mortgages

The Not So Humble Beginnings of Haus

According to Haus CEO McNulty, there have been only two ways to obtain ownership in a home. Either you can pay cash or take out a mortgage from a bank or lender.

With that knowledge, McNulty decided that it was a good idea to replace the mortgage arrangement with a collaboration that is direct to the buyer. This essentially brings on a brand-new way of financing a home.

This was taken a step further by allowing established homeowners to work with Haus in order to replace either part or all of their mortgage. 

McNulty declined to provide precise figures when asked about customer response so far; however, he did say that the service is available in Washington, California, and Oregon, and that “early demand is significant,” which, according to him, “makes sense considering the affordability challenges prospective homebuyers often face in these expensive western states.”

RIT Capital Partners and Tim Ferriss are among the other newcomers to the Haus platform. The new funding, according to McNulty, will enable the company to grow its team, especially in terms of marketing and expanding into new markets.

Interest in the services provided by Haus has been growing due to the fact that many people believe it is time for financial innovation.

This idea of making homeownership more affordable is getting attention from venture capitalists because this is something that will bring forth the ability for many people to move into their own homes. 

Eligibility Requirements

In order to use the Haus platform, you must be an adult 18 years or older, or of legal age to enter a binding contract.

You can only use Haus’ service for yourself, or someone who has granted you legal permission to use it on their behalf.  Haus is currently only available for property located within the United States.

This low barrier for entry is beneficial to consumers because there isn’t much that will prevent you from being able to do business with Haus. At the end of the day, they want to bring as many people into their own homes as they can. 

Haus mortgages eligibility:

  • 18 years or older
  • available for properties in the USA

How Does Haus Work? What Is Haus Mortgage Lending All About?

Haus Loans has an intuitive website that helps guide you through an equity sharing application and approval.

If approved, Haus then provides a matching level of equity investment in the home that you are purchasing.

This will allow you to purchase more of your new home upfront and lower your mortgage costs considerably.

It will also give you more immediate access to your home’s equity as well. Eventually, you will be required to pay back Haus’ investment in your equity, along with any additional share of the appreciation.

Breaking Down a Home Purchase with Haus

To give an example, say the property has an annual appreciation rate of 2 percent, and it currently sits at a value of $853,000. Your monthly payment to Haus allows you to rise 5 percent, which brings your overall equity to 69.6%. A number like 5% may not seem like all that much, but in terms of a home purchase, a difference of 5% could mean thousands of dollars. Since for most of us, our home is our primary investment, it is always in your best interest to make sure that you are increasing that equity percentage as much as you can. 


Haus Customer Service

Current or prospective customers can contact Haus via the following methods:

  • Email at [email protected]
  • Mail at: 660 4th Street, Suite 418, San Francisco, California, 91407

Haus Mortgage Reviews

Haus does not currently have a significant number of online reviews. There are no Haus reviews on Trustpilot, and it is not accredited with the Better Business Bureau (BBB), nor does the BBB have any significant information about it.

The lack of online Haus home ownership reviews and commentary could be due to the relatively young age of the company, as well as its modest size.

Is Haus legit? Although reviews are sparse, Haus home co-investing equity loans are legitimate and offer homeowners shared equity loan options, unlike traditional lenders.

How much can you tap into with Haus mortgages? Find out with the online calculator.

Haus Co-Investing Pros and Cons

Here are some of the key pros and cons for Haus mortgages you should consider: 


  • Increased Access to Equity. Homeowners who want access to their equity but have less than stellar credit may appreciate Haus’ services, since they may not qualify for a HELOC or other types of home equity loans. 
  • Good Fit for the Self-Employed. People who are self-employed or work as 10999 contractors and have irregular income streams may have better luck qualifying for an equity sharing arrangement with Haus than they would applying for a HELOC at a traditional lender. 
  • Lower Mortgage Payments. By increasing the amount of equity paid upfront in a home purchase, you’ll wind up with a smaller monthly mortgage payment. 


  • Cost. In addition to making your mortgage payments, you’ll eventually have to pay Haus back their share of the investment they made in your home’s equity, along with any additional share of the appreciation value.  
  • Modest Amounts. With Haus, you may not get as much access to your equity as you would with a HELOC or a home equity loan; if you need sufficient amounts of your home equity to do something important, such as consolidate high-interest debt this may not be a great option for you.
  • Haus Equity Reviews. There are not many Haus real estate reviews online. However, this will change once the Haus company becomes more established.
If you own a home, you can get cash out. See how much.

Haus Loans Alternatives

There are similar online home equity sharing companies offering services comparable to a Haus home equity sharing agreement; these sites include: 

Each of Haus’s rivals offers different terms and slightly different services, so it is worth shopping around a bit. Additionally, perhaps the biggest alternative to Haus is a traditional HELOC or home equity loan, too, which are available from thousands of lenders across the United States.

Haus Reviews Home Buying Parting Thoughts

If you need support with making a suitable down payment on your new home or want to put your current home’s equity to good use, Haus may be a good choice for you

However, prior to committing to an equity sharing agreement, make sure you talk to a trusted financial advisor and weigh all of your options carefully, so you find a solution that is a good fit for you.

Find Out How Haus Mortgages Can Help

Haus offers lower monthly payments compared to a mortgage, plus instant access to your equity when you need it.

Thanks for reading our Haus mortgages review.

You may also be interested in Rent To Own Homes.

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