We're unlocking homeownership.
Homeownership has a basic design flaw: it's single-player.
All the systems that support homeowners are made for a married couple. Mortgages, consumer finance, property law, taxes, accounting, you name it.
That's a problem. We live in a multi-player world. Co-ownership is not new. But it is unnecessarily complicated, risky, and inefficient today.
The reality is that you should be able to own a home with anyone you choose.
We need new pathways to homeownership and wealth creation, for all.
Let's build them together.
![Collage of images from CoBuy over the years from live events on how to co-buy a home, speaking engagements, and media interviews.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/661609baebb1b03d50dc56e5_About%20CoBuy%20-%20we%27re%20unlocking%20home%20co-ownership.webp)
Our story
In 2015, we decided to co-buy a home as family members.
Pooling resources seemed like a great way to increase our purchasing power and share expenses. Given our real estate, finance, and development backgrounds, we thought co-buying would be easy. We were wrong.
We learned that co-buying a home is complex. There are many unknowns and a lot of moving parts. The result? Friction, uncertainty, added costs, and avoidable risk.
Our experience inspired us to build an end-to-end platform to make buying a home with friends or family simpler, safer, and more affordable.
CoBuy was born.
We've since helped thousands of friends, family members, couples, and groups become homeowners.
You spoke, we listened.
We're launching Co-ownerOS™ to make co-ownership a viable path to owning a home and building wealth for a broader, more diverse audience.
From the start, folks have asked for ongoing support with decision-making, agreements, admin, risks, finances, payments, and more. Why? Closing on a home purchase is just the start.
Co-ownership is multiplayer investment management, coupled with living-as-a-service. What could go wrong?
CoBuy fast facts
💪 59 years experience in RE, finance, insurance, construction
🏠 Helped 1000s reach homeownership
⏳ 36,500+ hours working with co-buyers & co-owners
🥇 1st company specialized in co-ownership
💻 1st home co-buying platform
📱 1st home co-ownership platform
📚 1st national co-ownership survey & report
🖥️ 1st home co-buying course
Our team
![Photo of Pamela Hughes, CoBuy co-founder and COO.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/6354ea8e1bb1a25eb2d759aa_6351944cd87913c7fc2534f4_pamhughescobuy.png)
Forty years of experience across finance, real estate, insurance, and construction. Committed to personal empowerment through financial education. Best friends with a small dog known as Francis.
![Photo of Matt Holmes, CoBuy co-founder and CEO.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/6354ea97d7638bd642a5a22f_63519677f3bbae5773ec5b29_mattholmescobuy.png)
Planned a career in rock & roll but ended up working in finance in London. Lived with buddies for twelve years and lined a lot of landlords' pockets. Also close to a small dog known as Francis.
![CoBuy Advisor Sean Lee.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/668c469f8da72b486cafa12b_CoBuy%20Advisor%20-%20Sean%20Lee.avif)
Co-founder & CSO at IDA · Sr. Advisor at Crypto Council for Innovation · Investor
![CoBuy Advisor Kevin Yuen](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/6690717592d66a1705bb1fb5_CoBuy%20Advisor%20-%20Kevin%20Yuen.webp)
Chief Revenue Officer at Aerolane · Managing Broker at COMPASS · Investor
![CoBuy Advisor James Baduor](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/669071746a554e2b90607068_CoBuy%20Advisor%20-%20James%20Baduor.webp)
Founding Designer at Mintlify · Co-founder at ADP List · Advisor · Investor
![CoBuy Advisor Eben Pobee](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/6690717417a3adbeea33e193_CoBuy%20Advisor%20-%20Eben%20Pobee.webp)
CEO at EaglePay · City Council Member · Shoreline Community College Trustee · Investor
![CoBuy Advisor Kenan Hneide](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/66907175c6d2e3428c3481fb_CoBuy%20Advisor%20-%20Kenan%20Hneide.webp)
Serial Founder · CTO · Product Lead · UCLA Anderson MBA Candidate · Mentor
Our values
Transparency
Everything works better when we're transparent with one another.
Accessibility
Breaking down all the barriers, facilitating connections.
Credibility
Earned and maintained. No B.S.
Accountability
Fine guard rails for work, life, and play.
CoBuyer success stories
![CoBuy customer Genya talking about co-owning a home with her partner and their family members.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64fbed78ad4bc0f51d14cca2_CoBuyer-testimonial-Genya.webp)
"Our questions were around how is this going to work? What will it actually look like? And is there any liability?
Having that step-by-step process was great."
![CoBuy customers Candace & Gabriel, and unmarried couple who co-owns a home together in California.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64fbeff66b4ef83f4ec461ef_CoBuyer-testimonial-Candice-Gabriel.webp)
"I didn't really know where to start because we had different financial situations. How would that work out?
CoBuy walks you through the process. I would recommend CoBuy to anyone looking to buy a home together."
![CoBuy customers and multi-generational joint homeowners from Port Angeles, WA.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64f123aa25a06fed309006a6_cobuy-customers-christina-fam.webp)
"Now we live in an awesome house with a mother-in-law apartment for my equally awesome mom!
We have peace of mind knowing that we've covered all our legal bases and have contingency plans for all the what-ifs that life can throw your way."
![CoBuy customers Starla and Robert, an unmarried couple who own a home together.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64fbf46919ae7b462179b9d6_CoBuyer-testimonial-Starla-Robert.webp)
"We didn't know how long it was going to take or what the process was going to be like not being married.
We wanted to do it intelligently and safely for both of us.
It was nice to have somebody to help guide us. CoBuy was great!"