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Course Menu
Introduction
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Welcome, Future Co-Buyer!
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About Us
Co-buying 101: Basics
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Basics Section Overview
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The Home-buying Process
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Parties Involved in a Home Purchase & Sale
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How Co-buying Differs vs. a Typical Home Purchase
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The Co-ownership Lifecycle
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A Framework for Success
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Stages in the Co-buying Process
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Basics FAQs
Plan & Build Consensus
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Plan & Build Consensus Section Overview
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An Input-Based Approach to Joint Decision-Making
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Define Participation
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Agree on Property Criteria
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Align on Co-ownership Basics
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Assess and Confirm Readiness
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Plan & Build Consensus Guidance
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Plan & Build Consensus Case Study
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Plan & Build Consensus FAQs
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Plan & Build Consensus Section Review
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CoBuy Wizard Worksheet
Get a Joint Mortgage
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Get a Joint Mortgage Section Overview
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Mortgage Basics
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Lenders
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Before You Apply For a Mortgage
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Applying For a Mortgage
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Get a Joint Mortgage Guidance
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Get a Joint Mortgage FAQs
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Get a Joint Mortgage Section Review
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Get a Joint Mortgage Tools & Resources
Navigate the Search, Negotiate, & Transact
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Search, Negotiate, Transact Section Overview
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Real Estate Transaction Basics
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Real Estate Firms
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How to Choose a RE Agent
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Search For Your Home
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Negotiate Your Purchase
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Transact and Close
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Search, Negotiate, Transact Guidance
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Search, Negotiate, Transact FAQs
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Search, Negotiate, Transact Section Review
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Search, Negotiate, Transact Tools & Resources
Structure Your Co-ownership
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Structure Co-ownership Section Overview
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Property Ownership Basics
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Decide How To Hold Title
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Determine Individual Ownership Interests
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Formalize Your Structure
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Structure Co-ownership Guidance
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Structure Co-ownership FAQs
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Structure Co-ownership Section Review
Develop an Exit Strategy
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Exit Strategy Section Overview
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Why You Need An Exit Strategy
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Common Exit Scenarios
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Implement Your Exit Strategy
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Exit Strategy Guidance
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Exit Strategy FAQs
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Exit Strategy Section Review
Manage Risks
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Manage Risks Section Overview
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In The Wild
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Risks by Stage
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Other Risk Considerations
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Manage Risks Section Review
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Manage Risks Tools & Resources
Bonus: Beyond The Purchase
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Beyond Purchase Section Overview
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Refresher: How to Think About Co-ownership
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Finances, Expenses, & Payments
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Roles, Rights, Responsibilities
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Dealing With Change
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Documentation
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Co-ownership Agreement
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Section Review
Wrap Up
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Before You Go
Course: How to co-buy a home
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Get a Joint Mortgage
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Get a Joint Mortgage Tools & Resources

Get a Joint Mortgage Tools & Resources

Published
October 30, 2023
Updated
January 23, 2026

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Uniform Residential Loan Application

Full information here, PDFs also uploaded below for reference.

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Useful Links

CoBuy: CoBuy a Home Affordability Calculator

Google: mortgage calculator

Freddie Mac: current mortgage rates

CFPB: home loan options

CFPB: home loan special programs

CFPB: sample disclosure forms

CFPB: how do I get a free copy of my credit reports?

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Is your group ready to co-buy?

Turn this course into a decision. Check your alignment before money is on the line.

  • Check Readiness — Verify eligibility & viability
  • Spot Risks — Find gaps early
  • Get the Brief — Generate your CoBuy Decision Brief™
Start CoBuy Wizard →

$250 per group. Co-buyers you invite join free.

Already aligned? Activate Co-ownerOS™

Matt Holmes and Pam Hughes are co-founders of CoBuy, Inc.
Course Authors

Matt Holmes (LinkedIn) is co-founder and CEO of CoBuy, formed in 2016 to unlock homeownership for everyone. Before hopping a flight to Seattle to start CoBuy with his mother, Matt worked in investment banking and financial markets in London for a decade. He holds degrees from University College London (BSc Economics) and ESCP Business School (Masters, London & Turin).
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Pam Hughes (LinkedIn) is Co-founder and COO at CoBuy. She has over 40 years of experience across finance, real estate, insurance, and construction. Pam has committed to personal empowerment through financial education for decades, which inspired her to start CoBuy with her son in 2016. She's best friends with a small dog known as Francis.

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