Homium

Excited to share that our Chief Impact Officer, Marcus Martin, has been selected as a Featured Innovator in Economic Architecture and The Brookings Institution's Valuing Homes in Black Communities Challenge, recognizing his leadership in scaling Homium's solution nationwide. Homium’s shared appreciation mortgages reduce upfront costs, making homeownership more accessible and equitable for families. By eliminating monthly payments and interest, we alleviate the burden of excessive debt, enabling families to achieve financial stability. This approach not only supports the creation of generational wealth but also contributes to stronger, more resilient communities. Thank you to Economic Architecture and The Brookings Institution for this opportunity. We look forward to future collaborations that create lasting impact in housing equity. #HousingEquity #Innovation #RealEstate #SocialImpact #homium #strongercommunities #homeownership #affordablehousing #housingcrisis #blackcommunities ?C

Congratulations to our Spotlight Innovators from the Economic Architecture and The Brookings Institution's Valuing Homes in Black Communities Challenge. Ashon Nesbitt, Cat Goughnour, MSc, Doug Ryan, Gabe Ewing del Rio, CMB, AMP, John W. Haines, Junia Howell, Kyle Kamrooz, Marcus Martin, Tamara Knox, and Vernon Jay are addressing the racial wealth gap by providing alternative pathways to homeownership and wealth-building across the U.S. The Innovators were recently announced at a The Brookings Institution event with Andre M. Perry, Stuart Yasgur, and Robert Puentes all serving as panel moderators. Watch our event: https://lnkd.in/ekZGjRXg Learn more about the Valuing Homes in Black Communities Challenge: https://lnkd.in/eFNxeMSu

Great post from our friend and supporter Jeremy Potter He is spot on, as usual! Homium #ownershipeconomy

"We can lower American wealth inequality by proactively enriching Americans who are struggling financially, using capitalist tools to do so." In a new article, Jim Sorenson, Chairman of the Sorenson Impact Group, and Terrence Keeley, author of "Sustainable" and CEO of the Impact Evaluation Lab, highlight three key pathways for addressing wealth inequality: ??Homeownership ??Long periods of broad stock market ownership ??Direct ownership in the businesses we work for ?? Read more on Forbes.com: https://lnkd.in/gg2mnkd2 #WealthInequality #Homeownership #Ownership

Great Article on the ownership economy from Jim Sorenson and Terrence Keeley. Market based solutions to democratize opportunity are key to our shared prosperity and to closing unfair, and expanding, wealth gaps. https://lnkd.in/d56xePwp Sorenson Impact Sorenson Impact Group Homium

Join me in congratulating the 2025 Spotlight Innovators from the Valuing Homes in Black Communities Challenge. Ashon Nesbitt?(Florida Housing Coalition)? Cat Goughnour, MSc?(Maryland Department of Housing and Community Development (DHCD))? Doug Ryan?(Grounded Solutions Network)? Gabe Ewing del Rio, CMB, AMP?(Homeownership Council of America)? John W. Haines?(Community Investment Trust) Junia Howell (eruka)? Kyle Kamrooz?(Bonus Homes) Marcus Martin?(Homium)? Tamara Knox?(Frolic Community)? Vernon Jay?(EquityShare) Each of these innovations offers a concrete opportunity to create the structural change that values homes. Learn more about their work:?https://lnkd.in/eFmM6czr Join Economic Architecture and the The Brookings Institution Institution in supporting these initiatives.?

Super proud of the Institutional work we've done & trusted advisor relationships we've built over the years. For those who are new to the Avalanche ecosystem, here's a sampling of what you may have missed: Sep 2022: KKR (PE) tokenizes part of its $4B Health Care Growth Fund with Securitize. Jan 2023: Intain (MBS) builds the first institutional L1 for asset verification & admin. Apr 2023: Spruce is the 1st testnet using public blockchain to bring institutions (Wellington Management, T. Rowe Price, WisdomTree, Citi, The Depository Trust & Clearing Corporation (DTCC)) into a common sandbox to explore the merits of on-chain finance, e.g., tokenization, trading & sec lending. Oct 2023: Under MAS’ Project Guardian, Kinexsys by J.P. Morgan connects its platform with a purpose-built Avalanche L1 to show how alts can be included with liquid assets in discretionary portfolios at scale. Oct 2023:?Under MAS’ Project Guardian, Citi (FX) uses Avalanche L1s to demo on-chain FX RFQ & trading with T. Rowe Price & Fidelity International. Nov 2023: Republic tokenizes R/ Note?(profit share) enabling its 3m+ users to have exposure to its VC investments & companies raising through its funding portal. Mar 2024: ANZ builds a?testnet?L1 to tokenize AUD & NZD stablecoins in an industry interop pilot. Apr 2024: Homium (MBS) launches a home equity mortgage lender & securitization platform. May 2024: Re (reinsurance) offers a tokenized fund with an allocation from Nexus Mutual. Jun 2024: StraitsX (FX) allows tourists in SE Asia to more easily effectuate FX conversions through Alipay+ apps at Grab merchants. Aug 2024: Franklin Templeton (fixed income) expands its tokenized MMF, Benji. Sep 2024: PRESSMAN FILMS LTD(profit share) tokenizes investments into its next film slate. Sep 2024: Turkey's Misyon Bank (fixed income) launches its tokenization platform, starting with Eurobonds. Sep 2024: ParaFi Capital (VC) offers tokenized interest in its latest fund. Oct 2024: Spruce is used in an AI-powered corporate action initiative to address unstructured data challenges with Euroclear, Swift, UBS,?Franklin Templeton, Wellington, CACEIS, Vontobel & Sygnum. Oct 2024: OpenTrade x Colombian Neobank Littio (fixed income) offers access to USD-based savings accounts. Nov 2024: Wellington (fixed income) expands its tokenized MMF with Standard Chartered-backed Libeara. Nov 2024: BlackRock (fixed income) expands its tokenized MMF, BUIDL, with Securitize. Nov 2024: AvaCloud's?identity &?privacy?solutions are selected for Kinexsys by JP?Morgan's Project?EPIC: Fueling tokenized finance with on-chain enterprise?privacy, identity & composability. Jan 2025: Apollo Global Management, Inc. (private credit) offers tokenized interest in its Diversified Credit Securitize Fund. Feb 2025: Inversion takes a PE approach to blockchain adoption?focused on acquiring traditional businesses with strong distribution & integrating blockchain rails—Berkshire onchain. More to come, stay tuned ??

We’re excited to see our Chief Impact Officer, Marcus Martin, recognized as a Featured Innovator in the Valuing Homes in Black Communities Challenge, hosted by Economic Architecture and the The Brookings Institution. Proud to see our team's work highlighted on this platform! Learn more here: https://lnkd.in/gY5tCpWk

"For capitalism to flourish, markets must do more than marry ideas and capital — they must align incentives to produce the desired outcome. Today's housing market is failing this fundamental test. While institutional buyers dominate with ample financing, hardworking Americans are priced out of the market. At Homium, we've created a simple, transparent solution: Shared Appreciation Mortgages (SAMs). By aligning lender and borrower interests, Homium provides a sustainable path to homeownership. The American Dream cannot be only for those born rich." — Tommy Mercein, CEO of Homium Read Tommy's insights on the journey from banker to entrepreneur and his vision for leveling the housing market playing field ?? #HomeownershipInnovation #FinancialInclusion #AmericanDream #Housingcrisis #sharedappreciationmortgage #sharedappreciation #solvingthehousingcrisis #HousingMarket #housingaffordability #homeownership #homeownershipaccess

2024 was a year of significant achievement for Homium, 2025 will be even more exciting.?Thanks to the success of our Colorado Pilot, unlocking trapped home equity with our partner Guild Mortgage, we validated our model and embarked in earnest on our mission to make homeownership accessible through innovative financing. Housing affordability is a national crisis. Mortgage rates are stuck around 7% and home prices are likely to further outpace wage growth.?Compounding the problem,?America is short around 4 million houses.?Having proven that our Shared Appreciation Mortgages (SAMs) can bridge the growing affordability gap we are ready to scale. ? Key achievements in 2024: ? ?? Adding to our World-Class Team.?We welcomed Marcus Martin as Chief Impact Officer and Antony Bugg-Levine as Senior Strategic Advisor. Marcus is spearheading place-based impact initiatives nationwide and Antony's deep expertise in impact investing will help us mobilize philanthropic resources. ?? Investor Support: Homium secured $10 million in Series A funding, led by Sorenson Impact Group and Blizzard Fund, the Avalanche Ecosystem Fund, providing resources to expand and scale. ?? Colorado Pilot:?Using Donor Advised Funds (DAFs) in partnership with Realize Impact, our innovative Shared Appreciation Mortgages, originated through Guild, securitized in real time and digitized on the Avalanche network, have proven effective in helping existing homeowners in Colorado suffering from the burden of inflation and unable to access their life’s savings of home equity. ?? Collaboration with Policymakers and Think Tanks: By engaging government stakeholders and thought leaders, we are advancing systemic solutions to homeownership across the nation. ? "The American Dream of homeownership cannot become a Pipe Dream. Rising mortgage rates have exposed the 40-year disconnect between wages and home prices.?This problem cannot solved through traditional means. Homium's innovative solution is a viable and scalable solution to this crisis. In 2025, Homium is positioned to help more families attain homeownership through launching impactful place-based programs with mission-driven sponsors" - Tommy Mercein, CEO #housingaffordability #homeownership #americandream #sharedapprecationmortgage #donoradvisedfunds #housingaffordabilitycrisis #ownershipeconomy #sustainablefinance #housingfinance #homium #housingshortage ImpactAlpha Philanthropy News Digest Nonprofit Quarterly Mortgage News Daily HousingWire Housing Partnership Network SOCAP Global National Mortgage News American Banker Up for Growth Chrisman Commentary Stanford Social Innovation Review The Real Deal Inside Philanthropy @