Ownership is the point
We are not a rental program with perks. From day one you build toward owning your home outright — with unrestricted title if you choose it.
King County, Washington
Housing That Works For You.
A member-owned path to homeownership for families the mortgage market leaves behind. Pay an affordable rent, build credit and ownership with every payment, and own your home — while every home we create stays affordable for the next family.
photo — a member family on their porch
15%
of rent credited toward your purchase
15%
of rent credited to your purchase
3–5 yr
flexible path to mortgage-ready
1 vote
per member, no matter what
Zero
affordable homes ever lost
What makes us different
Not a rental program with perks. A cooperative built to hand you the keys.
Permanence is the promise
Every home we create stays affordable for the family who comes next. Our replacement ratchet means our stock of permanently affordable homes never shrinks.
Members govern
One member, one vote. The people who live in our homes are the people who run the cooperative — we never talk down to the neighbors we serve.
The pathway
Five steps from renting to owning.
The barrier for our members is rarely the ability to pay — it is the ability to qualify. Our model clears each hurdle in order.
See how it works →
1
Enter
Move in under an affordable rent-to-own agreement, with rent set below the level that would strain your household budget.
2
Build
Every on-time payment is reported to the credit bureaus, and 15% of your rent is credited toward your purchase (your Equity Credit Account). Financial coaching clears the path.
3
Qualify
Within a flexible 3–5 year window — paced to you, not a rigid deadline — you become mortgage-ready and secure a conventional take-out mortgage.
4
Own
Buy your home at an affordable, pre-agreed price — choosing permanently-affordable ownership or an unrestricted clean-title exit.
5
Recycle
Your purchase returns the original philanthropic capital, which funds the next family’s home. Donations become a revolving engine, not a one-time subsidy.
Two tracks, one community
When you are ready to own, you choose how.
Cooperative Share
A limited-equity share in a home that stays affordable forever. Lower cost of entry, community governance, and a stable place to build your life.
Clean-Title Ownership
A full fee-simple purchase priced below market. Your buyout funds a replacement affordable home — ownership for you, permanence for the community.
Either way, the community keeps its home.
Our replacement ratchet ensures the stock of permanently affordable homes is preserved or grows with every purchase — no King County organization offers a below-market clean-title exit like this.
Community life
Come meet the cooperative.
12
Sep
Virtual info session
6:00–7:00 PM · Online
27
Sep
Credit-building workshop
10:00 AM · [Location TBD]
18
Oct
Founding member orientation
5:30 PM · [Location TBD]