Ladder

Ladder is a co-investment group focused on promoting homeownership. We provide funding to increase your down payment through a unique equity sharing agreement.Our mission is to help first-time home buyers take the first step on the ladder of homeownership and long-term wealth creation. We believe that home buyers deserve another tool in the toolbox when considering a new home purchase. The model of the past was to increase your level of debt by taking on a larger mortgage; the model of the future is to add an equity-sharing co-investor to your team, reducing your level of indebtedness and making homeownership more affordable.Many first-time home buyers are in a difficult situation: You may have decent income and credit, but it will take you years to save enough money for a down payment that is large enough to keep your mortgage payment affordable. In the meantime, you are paying tens of thousands of dollars in rent every year and not building any equity. Or you may have a solid down payment, but you might not want to put all of your eggs in one basket, resulting in a risky and illiquid financial situation.Choosing Ladder as your co-investment partner enables you to increase your down payment position, reduce your indebtedness to your mortgage lender, make more competitive offers, and avoid expensive private mortgage insurance, while keeping your mortgage payment affordable and holding on to more of your hard-earned cash.We are currently focused on making investments in New England beginning in 2024, with plans to expand to additional states. Please let us know if you would like to see Ladder active in your state as a co-investor.Our website, ladderdownpayments.com, is in development and will launch in October 2023.If you are interested in learning more, send us an e-mail at info@ladderdownpayments.com. We look forward to meeting you.