How do you own a home with someone you aren't married to?How do you own a home with
someone you aren't married to?
Every year, millions of Americans buy homes with friends and family.
We're about to make that number much larger.
How Does Co-Buying Impact My Buying Power?
Pooling resources with trusted people gives you access to nicer homes in better neighborhoods—without stretching your budget to the breaking point.
Buying Solo
$0
Average first-time buyer budget
Co-Buying with Partners
$680,000
Split the down payment 50/50
3BR in the neighborhood you actually want
Join the millions of Americans who are exploring shared homeownership
Your partner at every stage
Design
Define your vision for co-ownership. Clarify your goals, timeline, and what you want out of sharing a home.
Take the Assessment
Align
Get your group on the same page. Share your vision, understand theirs, and find common ground on what matters.
Start a Group
Formalize
Build your legal agreement and get financially qualified. Every hard question answered before you buy.
Build Your Agreement
Close
Buy your home with confidence. We coordinate with lenders, agents, and attorneys to get you to the finish line.
Calculate Your Numbers
Create
Live, manage, and grow together. Track expenses, make decisions, and plan for the future—including eventual transitions.
See How It WorksA new kind of partnership
$0 upfront. 1% when you sell.
We take a 1% stake in your home—realized only when you sell.
That means we win when your home grows in value. Not before.
Why does this matter? Most platforms charge fees upfront—whether your co-ownership works out or not. Our model means we're invested in your success for the long haul. We don't disappear after you sign. We're your partner until you sell.
Introducing
AI-Powered 🏡 Co-Ownership
One AI assistant that keeps every co-owner informed, aligned, and on track.
Group Chat
3 co-owners + Homi
Tap any message to chat with Homi
How Much Does a Co-Ownership Agreement Cost?
Traditional TIC agreements cost $3,000–$8,000 in legal fees. We've trained AI on thousands of co-ownership contracts and legal filings to help you navigate the hard conversations—and draft your agreement—for free.
Discuss
Have the hard conversations early
Exit rules. Buyout terms. What happens if someone stops paying. Our AI—trained on real TIC agreements and legal precedents—guides you through every scenario when the stakes are hypothetical, not heated.
Decide
Lock in your decisions together
Work through each topic with your co-buyers. Tomi captures your answers and flags where you disagree—so you can resolve differences before they become disputes.
Draft
Generate your agreement instantly
Your decisions become a plain-English Co-Ownership Agreement. Take it to an attorney for review, or use it as-is. Either way, you'll save thousands and actually understand what you're signing.
What Your Tomi Co-Ownership Agreement Covers
Real People. Real Stories. Real Homeownership.
More than 1.7 million unmarried Americans are co-buying homes each year.
“Co-buying was the best decision we've made. I wish I had thought about it sooner. The community alone is the biggest piece of all of it, and it's going to keep growing. I can't wait to see how big our village gets.”
Brooks-Flemister Group
New York City
Four friends (two couples) bought a house together
$735,000 home, 4 co-owners, 25% each
Source: CNBC Make It
What the experts are saying
“We've heard of more buyers having to team up to be able to afford a home. This is a story that we've been hearing really for a long time because affordability just keeps getting worse and worse.”
Daryl Fairweather
Chief Economist, Redfin
“Co-buying was not a thing a decade ago. This is in response to the affordability crisis we're dealing with.”
Amanda Pendleton
Home Trends Expert, Zillow
“Co-ownership is like carpooling for homes — lowering the entry barrier and addressing affordability challenges.”
Jennifer Patchen
VP of Operations, Opendoor
Why do people co-buy homes with Tomi?
AI that handles the hard parts
Co-ownership used to mean expensive lawyers and months of back-and-forth. Now, Homi drafts your legal agreements, answers complex questions instantly, and guides every decision—from "who pays for repairs?" to "what if someone wants out?" This is why co-ownership finally works.
We're your partner, not your vendor
We charge $0 upfront. Instead, we take a 1% stake in your home—realized only when you sell. That means our incentives are perfectly aligned: we make money when your home grows in value. We're not here for a quick transaction. We're here for your entire journey.
Ready to see what's possible?
Take the first step toward owning the home you actually want.