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.
Our storyIn 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 launched Co-ownerOS™ to make co-ownership a viable path to owning a home and building wealth for a broader audience. We built CoBuy Wizard™ to help aspiring co-buyers figure out if co-ownership is right for them—before money is on the line. More
From the start, folks have asked for ongoing support with decision-making, agreements, admin, risks, finances, payments, and more. Closing on a home is just the beginning.
Co-ownership is multiplayer investment management, coupled with living-as-a-service. What could go wrong?
CoBuy fast facts
- 💪 61 years experience in RE, finance, insurance, construction
- 🏠 Helped 1000s reach homeownership
- ⏳ 51,500+ 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
Pamela Hughes
Co-founder, COO, Designated Broker
Forty years of experience across finance, real estate, insurance, and construction. Committed to personal empowerment through financial education. Best friends with a small dog, Francis.
Matt Holmes
Co-founder, CEO
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.
Ferhat Bilgiç
Founding Engineer
Decade-plus track record transforming early ideas into products people love. Built fintech platforms at FinBrain and games with 250k+ users. Believes great software should spark joy, not frustration.
Francis
Notorious D.O.G.
Enjoys long walks to the end of the block.
Advisors
James Anderson
Self Alignment Architect · Blockchain Leader · Founder · Investor
Sean Lee
Co-founder & CSO at IDA · Sr. Advisor at Crypto Council for Innovation · Investor
Kevin Yuen
Chief Revenue Officer at Aerolane · Managing Broker at COMPASS · Investor
James Baduor
Founding Designer at Mintlify · Co-founder at ADP List · Advisor · Investor
Eben Pobee
CEO at EaglePay · City Council Member · Shoreline Community College Trustee · Investor
Kenan Hneide
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
We've helped thousands of co-buyers become homeowners since 2016. Hear from past CoBuy customers in their own words.
Genya, Partner & Family
Unmarried couple + Relatives • Seattle, WA
“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.”
Candice & Gabriel
Unmarried couple • Oakland, CA
“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.”
Christina, Edwina, Jason
Multi-generational household • Port Angeles, WA
“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.”
Starla & Robert
Unmarried couple + Kids • Seattle, WA
“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!”
Nate & Amber
Friends • West Seattle, WA
“You want to know that you're taking care of yourself and your co-owner. CoBuy answered questions that we didn't even know we had. You can make it happen. CoBuy is 100% the company I'd recommend to do that work with.”
Peggy, Terry, Ray
Married couple + Friend • Issaquah, WA
“We decided to use CoBuy's expertise to help us navigate the process. I could not imagine going through this without the assistance of CoBuy. CoBuy was instrumental in getting it done.”