Geospatial Platform for the Trades & Civil Defense Mesh — Community Resilience · Trade IntelligencePatent Pending
First-time buyer programs, co-purchase agreements, and community lending - making homeownership accessible just like regular mortgages.
3.5%
Min. Down Payment
$15K
Tax Credit Eligible
30yr
Fixed Rate Terms
100%
Closing Cost Grants
"In 1981, as first-time home buyers, we purchased our only home in Santa Cruz with another couple. We had the income from our 5-year-old sign business; they had the deposit. Just an oral agreement: 3-5 years. After 3 years, we refinanced with a regular mortgage and paid them 50% of the appreciation plus their deposit. We lived there for 38 years. This is what first-time buyers can achieve."
— folio-pin founder, proving the model works for first-time homeowners
Draft for review - recommend attorney review before signing
Why Written Agreements Matter
Oral agreements worked for us in 1981, but written contracts protect everyone. folio-pin helps formalize partnerships while keeping the trust that makes them work.