the full journey

co-ownership, step by step.

Every step is defined before you begin. There are no surprises. There is no ambiguity. From search to ownership, Rhome manages the structure so you can focus on living.

seven steps

from search to ownership

Browse homes on the open market. Any home a buyer could purchase, a co-owner group can purchase through Rhome.

Real listings from the open market

Filter by co-owner budget and location

No commitment to browse

group

Form a group of 2 to 4 people, or use the Rhome matching marketplace to find compatible co-owners. No hard credit pulls at this stage.

Invite friends or use matching marketplace

Light pre-screening only

2 to 4 co-owners per home

prequal

Each co-owner is independently underwritten. Individual credit. Individual income. One person's profile does not affect another's.

Independent underwriting per person

FHA financing with 3.5% down

Split among all co-owners

tour

Your Rhome-affiliated agent schedules and coordinates tours. You see the home. You make the call.

Rhome-affiliated agent assigned

Coordinated group tours

Professional guidance throughout

offer

Your group submits an offer. Rhome coordinates the ownership structure, the FHA financing, and the closing process.

Trust structure established

FHA financing coordinated

Governance agreement prepared

The home closes into its ownership structure. Each co-owner receives their equity interest documentation and the governance agreement.

Ownership structure created

Equity interests documented

Governance agreement signed

ownership

You move in. Rhome manages the governance layer. You pay your share. Equity accrues to your interest.

$95/mo governance fee

Automated expense management

Equity builds from day one

sell your interest or pass it to an estate

built-in protections

security at every layer

co-owner default protection

If a co-owner misses a payment, your credit and equity are not affected. You pay through the Rhome platform. Rhome handles everything with the loan servicer.

repair reserve fund

Beyond your homeowner's insurance, the repair reserve covers everyday issues. Request a repair through the Rhome concierge, and we send someone to handle it.

consolidated expenses

All ongoing costs, mortgage, taxes, insurance, and governance, are consolidated into a single monthly payment split according to your share.

questions

common questions about the process

Your credit and equity remain protected. You make your payment through the platform. Rhome handles collections and recovery on that specific share, without affecting the other co-owners.

No. You own actual equity in the ownership structure as a beneficiary. You benefit from appreciation and applicable tax deductions. Timeshares are typically depreciating assets. Rhome is real ownership.

Your share is based on bedroom allocation. That percentage determines both your down payment and your monthly cost: your share of the mortgage, taxes, insurance, plus the $95 governance fee.

The fee covers Rhome's governance and operational management of your home: default protection, automated expense management, concierge coordination, and governance and administration.

Yes. A co-owner may sell their interest. Active duty military may use the Rhome swap marketplace. Exits are clean, documented, and legally defined from day one.

At least one co-owner needs to qualify as a first-time homebuyer for FHA lending eligibility. This enables the 3.5% down payment, split among all co-owners.

ready

start your search

Browse homes on the open market. Form your group. Build equity from day one.

Find a home See the math