We’ll keep the process simple and streamlined every step of the way.
Earning returns has never been easier.
Sign up and fund your account
Once you've signed up for an account, we will verify your accredited investor status. You can then connect your bank account securely and transfer funds into your investor account via ACH. Your funds will be ready to invest within two days.
Invest in mortgages
LendingHome funds mortgages for real estate professionals and makes them available to you as fractional notes, meaning you can buy a portion of the mortgage. You can either choose individual notes based on risk and return levels or let AutoInvest do the work for you by selecting a conservative, aggressive, or all-notes strategy. Put as little as $1,000 into each investment using AutoInvest or $5,000 per loan for manual accounts.
Start earning interest
Borrowers will repay the loans you're invested in on a monthly basis. You own a portion of each loan you're invested in and will receive a share of each payment. Log into your investor dashboard at any point to see how your investments are performing and get summarized statistics for your portfolio.
Receive final payment
Your loan will be fully paid back in 12 months or less. If anything goes wrong, LendingHome will take care of all servicing needs and, if needed, foreclosure—remember, your investment is backed by a real asset. Once the loan has been repaid, all funds will be returned directly into your online account where you can withdraw them or reinvest to keep earning returns!