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Home Equity Alternative

Digital Mortgage

Digital Mortgage is designed as an alternative way to help finance a home, using shared equity instead of a traditional mortgage loan. It aims to make homeownership more affordable for Digital World members, though eligibility, terms, and availability vary by location.

Lower Payments Own Your Home Equity Backed Buy & Sell Equity
Digital Mortgage
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Aim For A Lower Monthly Payment

Digital Mortgage is designed to help make homeownership more affordable for Digital World members, subject to eligibility and program terms.

Pay Less Every Month Comparison
Financial Flexibility

More Control of Your Finances

A lower monthly payment with Digital Mortgage is intended to help Digital World members put money toward other goals, such as buying more home equity over time or saving for retirement.

Save More

Lower payments can free up cash to put toward retirement, investments, or other priorities.

Build Equity

Buy more home equity over time as your financial situation changes.

More Control of Your Finances

Unlock Your Equity, Pay Less Each Month

Digital Mortgage invests alongside the member in the home. If the home's value goes up, both parties share in that gain - and if it goes down, both share in that loss too.

Affordable

Lower monthly payments intended to help members save for other things that matter.

Flexible

Buy more equity over time, or sell your share back when you need cash, subject to program terms.

Stable

Know what to expect with regular monthly payments for 10 years. At the end of the term, sell, renew, or pay off the remaining balance.

How Does Digital Mortgage Work?

01
Your Home Is One Large Asset

Your Home Is One Large Asset

The most common way to buy a home is to borrow a lot of money with a mortgage. The interest is how a lender makes money on your loan.

02
We Break The Home's Equity Into Pieces

We Break The Home's Equity Into Pieces

With Digital Mortgage, you own your home and buy the equity you can afford up front - we purchase the rest. We are an investor, not a lender.

03
Buy & Sell Equity

Buy & Sell Equity

Life happens. Digital Mortgage gives you access and flexibility to buy and sell equity from your dashboard - anytime you need.

Digital Mortgage Assets Makes It Possible

Digital Mortgage Assets is designed as an alternative to traditional mortgage financing, creating a home equity market powered by Digital World. It does not replace licensed mortgage lenders or official land title and registry processes.

Digital Mortgage Assets Diagram

We Split Your Home Into Equity

Think of your home as one large asset. You own it and buy the equity you can afford - we purchase the rest.

We Create Groups of Equity

Enabled by Digital World, we combine equity from homes in each location or area of impact.

We Issue Digital Mortgage Assets Tokens

The value of the tokens is based on the value of the group of equity. As values go up or down, so does the price of the tokens.

FAQ

Frequently Asked Questions

Is Digital Mortgage the same as a traditional mortgage?

No. Digital Mortgage is a shared-equity arrangement: an investor buys a portion of your home's equity instead of lending you money at interest. It is not a loan, and it is not offered by a licensed mortgage lender.

Does Digital Mortgage replace my local land registry or title process?

No. Digital Mortgage Assets is an alternative home financing arrangement. It does not replace official land title, registry, or recording processes required in your jurisdiction.

What happens if my home's value goes down?

Digital Mortgage is structured so gains and losses in home value are shared between the member and the investor, according to the terms of the agreement.

Can I buy back equity or sell my share later?

Yes, subject to program terms. Members can typically buy more equity over time or sell their share, including at the end of the agreed term.

Are Digital Mortgage Assets tokens an investment with risk?

Yes. Token value is tied to the value of the underlying group of home equity, which can rise or fall. As with any investment, value is not guaranteed.

Disclaimer: Digital Mortgage and Digital Mortgage Assets are shared-equity home financing arrangements, not a traditional mortgage loan, and are not offered by a licensed mortgage lender. They do not replace official land title, registry, or recording processes required in your jurisdiction, and equity values can rise or fall. Members should seek independent financial and legal advice before entering an agreement.