Homebldr, a technology-driven investment financing platform, has launched a financing subscription that eliminates its origination fees for 12 months, a product with no direct equivalent in the market. The subscription is designed for real estate investors who close multiple deals per year, offering a structure that shifts the cost model from per-transaction fees to a single upfront payment.
Origination fees, typically around 1.3% of the loan amount, are easy to absorb on a single deal. For example, on a $417,000 loan, the fee is about $5,421. However, an investor closing six deals totaling $2.5 million over 12 months would pay $32,526 in homebldr origination fees under the traditional model. The subscription model changes this calculus.
The homebldr financing subscription currently comes in three tiers. The Core tier is for investors closing two to three deals per year, with up to $1 million in loan volume. The Growth tier, described by founder Adam Eldibany as the best fit for most subscribers, covers up to $2.5 million in annual loan volume. The Scale tier covers up to $5 million. Using the Growth tier example, an investor closing six deals totaling $2.5 million would pay $20,000 under the subscription, a 39% reduction from the traditional model, saving roughly $13,000 annually. The break-even point typically arrives when using 45 to 65 percent of the allotted loan volume.
Beyond savings, the subscription offers payment flexibility. Under the traditional model, origination fees are paid in cash at closing, requiring documented sources. The homebldr subscription fee is paid entirely outside of closing and can be paid by credit card, through gifted funds, or via buy now, pay later providers like Affirm or Klarna. This keeps capital in the investor’s hands rather than at the closing table.
Eldibany also addressed the broker model, noting that many investors assume working directly with lenders produces better pricing. “What many investors do not realize is that the terms being offered to them by direct lenders are retail terms,” he said. “Experienced brokers can frequently access wholesale and preferential pricing from the same capital sources that is not available to investors going through the retail channel.” Many competitive capital sources operate exclusively through the wholesale channel, meaning investors who limit themselves to direct lenders are excluding an entire segment of the financing market. For homebldr’s subscription users, this means accessing wholesale and preferential terms without additional fees or yield spread added on.
Homebldr provides access to a network of more than 80 capital partners, including lenders, family offices, and private lending groups, operating on a broker model and serving investors nationwide across fix and flip, new construction, and long-term rental financing.
Disclaimer: This article is based on information provided by the expert source cited above. It is intended for general informational purposes only and does not constitute legal, financial, or real estate advice. Readers should conduct their own research and consult qualified professionals before making any real estate or financial decisions.
