HBU & YOU

The new way people co-buy property. Residential & Commercial

FREE registration, background verification, co-buyer protection, credit support resources and more. Start building your equity today! LAUNCHING NOVEMBER 2018

3-Step Registration Process


Step #1 - Create Login

Register and create a Login to check messages and communicate with other HBU Members.

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Step #2 - Set HBU Partner Preferences

Create your HBU partner preferences such as location, buying parameters, type of partner and more.

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Step #3 - Get Verified

Buying big things requires trust and accountability. Get verified and look for verified partners.

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HBU Profile - Considerations


What type HBU Co-Buyer do you want?

Be as specific as possible with your must have list but be flexible with the things that are not as critical, remembering this is not forever, just a stepping stone along your wealth building path.

Decide on location and type of home

Not everyone speaks their minds but this is important so speak up! Do you like a specific location, modern, older or a new builds, be specific but be a little flexible.

Get background & credit checks

There are a lot of things in life that are optional and indeed an HBU background check is optional but we strongly urge you to get one for yourself and urge your co-buyer to get one as well. Getting an HBU verified status is a small investment and an easy process.

Need Credit Repair, most of us do.

We all know one or two small events in life can impact your credit, student loans, divorce, illness, job loss, etc. No life event should define who we are and they do not have to stop the progress you desire toward home ownership. Get verified and  if needed, work with credit experts to get you ready to buy.  Credit repair should be your first stop. There are many free options now to get a free credit report.  Credit Karma, Credit Sesame etc. Once you have your score then you can decide if you want to try a DYI or pull out the big guns from Lexington Law (see credit repair tab on our homepage).

How much can you afford?

Deciding what the homes cost in your desired area is a good step but calculating what you can afford in a sharing HBU co-buy option is better. 

Co-Buyer Agreements

Our co-buyer agreements state that if there is non-payment for at least 60 days then the non-paying partner forfeits their down payment and equity to the paying partner. The above clause in the Co-buyer agreement is a requirement for both parties. The rest of the agreement should be a custom document for the co-buyers.

Why do some people have more - choices?

Citing research from the Federal Reserve, primary residences accounted for about one-quarter of Americans’ overall wealth in 2016, more than any other financial asset. Besides creating wealth, owning a home allows for amassing equity, with Americans having a record-high $14.4 trillion in equity as of the last quarter of 2017.

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About


About About
RENT, BUY OR HBU!

We are a proud member of the sharing economy, which has grown rapidly and now has Uber, Lyft and Airbnb brands collectively valued at over $100 billion.

Since 2011 home prices have increased a cumulative 48%, and income only 15%, which means it is even more difficult to buy a home than ever before. (National Association of Realtors).  

Also, not surprising, as many as 30% of working-age adults now live with a roommate now, who is not a love-interest, family member or college student.

All of the above has caused HBU  to take action to help hard-working Americans, build a stepping stone to home ownership or real estate investing through peer-to-peer partnership!

Our app and platform connect home buyers and property investors. We provide background checks, in-person events and technology to match members based upon their profile requirements. HBU also includes recommended resources for credit repair and more.

 HBU created and inspired to: 

"HBU was created to give property buyers more options to overcoming the challenges of cost, inventory and down payment."

"HBU was inspired by the countless hard-working Americans dreaming of buying investment 
property or even a primary residence, but who cannot afford the property they desire, in the community of their choosing, on their own."

Leena-Bella Mayo, Founder & CEO






F.A.Q


You can join the HBU community for free by simply completing the registration process and developing an HBU profile. Next, you will want to get verified and select verified members. As a member, you will be placed into our matching database where you will receive push notifications of members which meet your search requirements. Finally, you are invited to attend any scheduled events for meet & greets, where potential partners meet one another over some food and drinks. We also have plenty of resources to support your co-buyer agreements, including protection against partner default ,  credit repair support, lenders, insurance and real estate agents. 
If you need to work on your credit or create a good credit history you are not alone . In fact, according to Credit.com, "Only a small sliver of people have absolutely terrible credit scores, but plain-old bad credit? That’s a lot more common. Nearly a third of Americans have a credit score lower than 601 — the distinction between bad and fair credit — according to credit bureau Experian." Never fear we can help.once you are a member we can find you a resource that can help you over time with strategies to build the good credit. 
Our members will have the assurance that their HBU buying partner will have a fully vetted criminal, financial and personality background check.. The buying partners will also enter into a legal agreement that provides protection from the mortgage agreement for health and death related default coverage and additional language stating that after 60 days of non-payment from either member - the non-paying member will forfeit their equity allowing the other member to either sell the property for full equity or arrange for a new mortgage structure with another member. 
The length of your partnership is up to you. If you and your partner want to agree to a one year or three-year or even longer period of time, you certainly can do that. And, if you want to sell after a year to gain what equity you have acquired and more on, you can do that as well, it is up to you. 
HBU provides an online platform and in-person events to help property investors and home buyers overcome the challenges of down payment, inventory and cost through peer-to-peer partnership. Our network leverages technology and a sophisticated matching algorithm to help members find matching partners with like-minded purchase goals .
Absolutely! We encourage families, friends and acquaintances to join together to participate in the background vetting process. We also provide access to multiple lenders through our network. We understand it can be awkward to ask people you know to undergo important background checks without possibly placing the relationship in an uncomfortable position, so we are here to help you with that important step.
HBU was created to give property buyers more options for overcoming the challenges of cost, inventory and down payment.

HBU was inspired by the countless hard-working Americans dreaming of buying investment property or even a primary residence but who cannot afford the property they desire, in the community of their choosing, on their own.
  1. We provide the infrastructure to help homebuyers gain empowering knowledge about the investment and homebuyers experience you would not get from lenders and real estate agents.alone
  2. We also provide access to a technology platform to help match you with the type of partners you have set as your requirements.
  3. Lastly, we provide you with potential partner recommendations and you can see who has undergone criminal background checks with local state and the FBI as well as a financial credit check and personality profile.
There are other businesses offering peer-to-peer property purchasing but they have a limited geographic area and they do not offer the national footprint, technology or background vetting HBU offers its members. We wish those businesses well and do not consider them competitors but fellow problem solvers and we applaud their efforts as helping people is the goal.
We encourage support and welcome your ideas or communication to your sphere of influence. Please feel free to contact us and we will be happy to provide you with logos, key messaging and materials for your use.
HBU has two Co-Founders who are passionate about helping people and several industry advisers, which includes a national resource partner network who have joined forces to support our members with getting the right property at a price and location just right for them.

Meet the HBU Co-Founders:

Leena Bella Mayo (Bella) - CEO
A previous chief of marketing and ecommerce business, marketing and public relations strategist and consultant with more than 15 years of experience including assignments with Apple Computer, GE, First Data and Western Union. A global market developer with a successful track record of serving the USA, Mexico, Puerto Rico, Hong Kong, Singapore and Malaysia.  Feel free to reach Bella at leenabella@homebuyersunite.com.


Buying investment property and renting it out or flipping property is a goal for many, but getting started can be difficult for one buyer on their own but two motivated and vetted members can do it. We know this is an interest area for many and we will help members meet fully vetted potential partners ready to buy investment and flip properties if this is their goal.
Once you consider that there are millions of roommates living together now, with a legal obligation to a lease  and who are receiving no long term equity you may want to consider the HBU option. It is possible to have a shared space or separate living quarters, depending upon the home. Also, we recommend developing a timeline for living together and co-dwelling agreements as needed.  Finally, the 60-day non-payment forfeiture clause is critical to all agreements and should be included. If one of the members does not pay there portion within 60 days the contract stipulates they agree to forfeit their equity and down payment to the paying member. 

Credit Repair


Credit Repair - DYI

Credit Repair is no easy task. Not ready for a legal firm to hammer down the issues for you? Try the DYI with lots of guidance approach. Try NOLO.

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Credit Repair - Law Firm

When you want a serious support network - there is the Lexington Law Firm. They are not cheap and they will take a few months but they will move you along your path to a better credit position.

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Agents


HBU & You!, Uber needs drivers, Airbnb needs hosts and we need agents!

  • Denver, CO, USA

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HBU Agents

HBU Members can choose their agents but you can be the exclusive agent for those seeking an HBU agent in your city. Free qualified leads, free member advertising, exclusive market opportunity.

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  • Denver, CO, United States