Genrae Mortgage Product
Lower payments for the next generation of homeownership
Genrae is building a mortgage platform that pairs institutional capital with familiar first-lien lending workflows, helping buyers access meaningful monthly payment relief.
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Features that put borrowers first
Permanent rate reduction
Up to $800 monthly savings
LOWER MONTHLY PAYMENTS Borrowers receive a permanent rate reduction of 1.5%, saving up to $800 per month.
CAPPED INVESTOR SHARE In exchange, investors earn an option capped at 2.5% per year of the home's future value growth. They can't take more, even if the home appreciates faster.
AFFORDABILITY & FLEXIBILITY The mortgage has a 30-year maturity and no mandatory repayment if borrowers stay for 3+ years.
Sole Ownership
Borrowers stay 100% on the loan title; the investor is only a silent partner.
Downside Protection
If a home does not appreciate, borrowers don't owe the investor anything.
Build lower-payment homeownership
Partner with Genrae to bring our mortgage product to more borrowers, lenders, and long-term capital partners.
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