How houm works
Live in your future home, build equity with every payment, and lock your purchase price from day one.
Smart matching and transparent records powered by AI and blockchain — without changing how you live in your home.
houm connects buyers, sellers, and professionals in a single structured rent-to-buy framework.
From rent to ownership, step by step
The rent-to-buy model is simple: you rent the home you want to buy, and part of your rent goes towards the purchase price.
Tell us what you need
Define your budget and preferences.
Match
Connect with properties and owners.
Simulate
Use the calculator to set terms.
Sign
Digital rent-to-buy contract.
Live & Pay
Build equity monthly.
Exit
Buy, transfer, or walk away.
Start as a tenant, grow into an owner
Onboarding & Profile
Share your income, savings, and preferred locations. We run pre-checks to understand affordability.
Tune your plan
Use the calculator to adjust price, initial contribution, and monthly payments to fit your budget.
Sign & Move in
Sign a digital contract with a locked purchase price. No mortgage needed to start.
Build Equity
Track your equity growth in the dashboard. Every payment brings you closer to ownership.
Exit Options
Buy the home: Pay the remaining amount (via mortgage or cash) and take full title.
Walk away: Decide not to buy. Terms for equity return depend on your specific contract.
Transfer: Pass your contract to another verified houm buyer if you can't continue.
If you can't pay anymore
Life happens. First, we try to adjust terms with the owner. If that fails, you can propose a contract transfer to another houm user.
Our goal is to avoid forced exits by providing structured, flexible options.
Predictable income, serious buyers
1. List & Define
Set your price, contract length, and equity terms. You stay in control of the asset.
2. Vetted Buyers
houm screens buyers for affordability and ID. We bring you serious candidates, not window shoppers.
3. Secure Contract
Standard rent-to-buy contracts prepared with local legal partners. Clear terms for everyone.
4. Monthly Income
Receive predictable payments. Tenants treat the home better because they are investing in it.
5. Dashboard
Track payments and the buyer's accumulated equity in real-time.
No "Bank" Status
You don't need to be a bank. You keep ownership until the final purchase is completed.
Built around your workflows
Notaries, lawyers, agents, and inspectors plug directly into houm. We provide the platform, you provide the expertise.
- Standard templates adaptable per jurisdiction.
- Clear task lists for KYC/AML, title checks, and tax implications.
- Booking tools for signings and inspections.
- Verifiable audit trails for all key events.
What powers houm behind the scenes
AI matching & simulations
We use AI to match buyers with the right properties and suggest safe financial ranges. Our algorithms analyze profiles to recommend monthly payments and contributions that are sustainable, detecting anomalies to prevent fraud.
Blockchain-backed records
Important contract milestones are hashed and recorded on-chain. We never put personal data or full contracts on-chain—only cryptographic fingerprints. This creates an independent, tamper-evident timeline of your journey.
Common Questions
What happens if I change plans?
You can choose not to buy at the end of the term. The specific terms for what happens to your equity are defined in your contract.
Can I buy earlier?
Yes, most contracts allow for early purchase if you have the funds ready.
Who holds the money?
houm does not hold funds. Payments go directly to the seller or through a notary/escrow service.
What if property prices go up or down?
Your purchase price is locked at the start. If the market goes up, you gain value. If it goes down, you are not obligated to buy.