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Own your home. Pay a flat fee.
With a savings club, a $400,000 home costs $1,444/month with a flat fee. Every payment builds equity, no interest charges, no down payment required. By comparison, the average mortgage on the same home costs $2,025/month, and over 30 years, interest adds nearly $487,000 to the total cost. That difference is the price of a second home, paid entirely to a bank.
These are traditional market rates, not Savings.Club rates. Source: Mortgage Bankers Association, Dec 2025; Freddie Mac PMMS, Jan 2026
Single-Family Homes
Any neighborhood, any builder
Ranches
Livestock & equestrian
Farms & Homesteads
Agricultural properties
Homeownership should not cost you double.
On a $400,000 home with a traditional 30-year mortgage, a buyer with good credit will pay over $538,000 in interest charges alone. That means the total cost of the home is nearly $938,000. Someone with fair credit pays even more. And someone with poor credit may not get approved at all.
The system is designed to extract maximum value from you while keeping homeownership just out of reach. Credit checks, down payments, DTI ratios, PMI, origination fees, closing costs. Every step adds another barrier and another cost. Savings.Club is designed to do the opposite.
6.10%
Average 30-Year Rate
Freddie Mac, Jan 2026
$2,025
Median Monthly Payment
MBA, Dec 2025
$352,700
Starter Home Price
NAR, 2025
Three homebuyers. Three scenarios.
Whether you are buying your first home, upgrading, or investing, the math works in your favor.
First-Time Buyer
$300,000 starter home
No down payment needed. No PMI. Start building equity immediately instead of saving for years to reach 20% down.
Growing Family
$500,000 family home
$1,521/mo saved = $18,252/year. Over 30 years, that is $547,560 kept in your family instead of sent to a bank.
Property Investor
$400,000 rental property
Lower carrying cost means higher cash flow from day one. Rental income covers more of your payment, accelerating your path to positive ROI.
Based on 30-year term. Traditional: 20% down, 6.8% APR (Freddie Mac, Feb 2026). Savings.Club: $0 down, flat fee (varies by creditworthiness).
Two ways to win. You choose.
With Savings.Club, you have two options that traditional mortgages never offer. Either save money every month on the same home, or keep your current payment and afford a much better home.
Option 1
Same home. Lower payment.
On a $400,000 home, a buyer with good credit pays $2,608/mo with a traditional mortgage. With Savings.Club, that same home costs $1,444/mo, saving $1,164 every single month. Over 30 years, that is over $419,000 that stays in your pocket.
Option 2
Same payment. Better home.
Keep paying $2,608/mo, but instead of a $400,000 home, Savings.Club lets you afford a much larger home for the same monthly payment. Better neighborhood, better school district, better investment. Same money out of your pocket, more home in return.
Interactive Calculator
See the real cost of your home.
Adjust the home price. See how much you save over 30 years.
30-Year Mortgage
$831.018
Total cost (20% down + 6.8% APR)
$2.086/mo
Savings Club
$440.000
Total cost ($0 down + flat fee)
$1.222/mo
You Save
$391.018
Over the life of the purchase
+$80.000 kept
Down payment stays invested
Traditional: 20% down, 6.8% APR (Freddie Mac PMMS Feb 2026), 30-year fixed. SC: $0 down, flat fee (~10%), 30-year term. Estimates only.
What you pay every month for a $400.000 home.
Traditional: 30-year term, rates from Freddie Mac + FICO tier spreads Feb 2026. Savings.Club: $0 down, flat fee (varies by creditworthiness).
| Your Credit | Savings.Club | Traditional | You Save |
|---|---|---|---|
| Poor Credit (580–619) | $1.444/mo | $3.076/mo | $1.632/mo |
| Fair Credit (620–679) | $1.444/mo | $2.797/mo | $1.353/mo |
| Good Credit (680–739) | $1.444/mo | $2.608/mo | $1.164/mo |
| Very Good (740–799) | $1.444/mo | $2.528/mo | $1.084/mo |
| Excellent (800+) | $1.444/mo | $2.463/mo | $1.019/mo |
Lower monthly payment at every credit level. No exceptions.
Same payment. $50,000 more home.
Instead of saving money on your monthly payment, keep paying the same amount and use Savings.Club to afford a bigger, better home. Here's what that looks like for a buyer with good credit.
Traditional Mortgage
Good credit (680–739), 6.75% rate, 20% down
Savings.Club
Flat fee. No interest charges. Same payment, more home.
Own your home faster. Pay $326,428 less.
With a traditional mortgage, most of your early payments go to interest. In the first year, only about 5% of what you pay actually goes toward owning your home. With Savings.Club, the majority of every payment goes toward principal from month one. Traditional buyers start ahead because of their $80,000 down payment, but SC members pay $326,428 less over the life of the obligation.
$1,444/mo
Savings.Club monthly payment vs. $2,129/mo traditional (plus $80K down payment)
$326,428
Total savings over the life of the obligation. That is generational wealth.
$0 Down
No down payment required. No PMI. No closing cost surprises.
Based on a $400,000 home. Traditional: 20% down ($80K) at 7.2% APR / 30yr ($2,129/mo, total $846,428). Savings.Club: $0 down, flat fee ($1,444/mo, total $520,000). Home appreciation: 4.2%/yr (FHFA national average). Source: Freddie Mac PMMS, FHFA House Price Index.
What you can finance.
Any residential property you want to live in or invest in. From suburban homes to rural farms, ranches, and homesteads. No restrictions on type, location, or seller.
Single-Family
Detached homes in any neighborhood
Condo
Urban and suburban condominiums
Townhouse
Attached homes with private entrance
Multi-Family
Duplexes, triplexes, fourplexes
New Construction
Builder-new homes and custom builds
Farm
Working farms and agricultural properties
Ranch
Ranches and livestock properties
Homestead
Rural homesteads and acreage
Vacation
Vacation homes and second properties
And More
Manufactured, modular, co-ops, land
Your land. Your legacy. Financed differently.
Traditional lenders make rural property financing difficult with strict income limits, operating history requirements, and 25–35% down payments. Savings.Club treats your farm, ranch, or homestead the same as any other property: flat fee, all credit profiles accepted, no down payment.
Working Farms
Crop farms, orchards, vineyards, greenhouses. Whether you are starting a new operation or expanding an existing one, the flat fee structure means more of your capital goes toward the land, not the lender.
Ranches & Livestock
Cattle ranches, horse properties, poultry operations. Traditional ag lenders tie rates to commodity prices and operating margins. We do not. Your monthly contribution stays the same regardless of market conditions.
Homesteads & Acreage
Rural homesteads, off-grid properties, large-acreage parcels. Banks often refuse to cover properties they consider "non-conforming." We cover the property you actually want to live on, not the one the bank approves.
Why this matters: The average farm in America costs $3,800 per acre. A 100-acre working farm at $380,000 would cost over $700,000 with traditional ag lending rates. With Savings.Club, you pay a flat fee on the purchase price.
Life happens. We built the system to handle it.
During the savings phase, before your purchasing voucher is awarded.
Half-Payments
Switch to half-payments if your budget gets tight. Job change, medical bill, unexpected expense. Your Savings Score adjusts, but you stay in the club and keep your position.
Freeze Contributions
Pause your contributions entirely if life changes unexpectedly. Your membership stays active. Resume when you are ready.
Transfer Membership
Transfer your membership to someone else. The process is handled through the club. Try doing that with a mortgage.
Available during the savings phase, before your voucher is awarded. After your voucher is awarded and you enter the borrowing phase, standard obligations apply.
Security
Your money is protected. Here's exactly how.
Your common fund contributions do not sit in a Savings.Club account. They sit in a legally separate, irrevocable trust that we cannot touch. The same structure used by institutional investors and pension funds.
Irrevocable Trust
Every common fund contribution goes into a legally separate, irrevocable trust. Once deposited, Savings.Club cannot access it, redirect it, or use it for any purpose other than member benefit.
Independent Trustee
Jackson Hole Trust Company, a licensed fiduciary with a legal obligation to protect your money. They execute all fund transactions in accordance with the terms of the membership agreement and to the benefit of its members.
FDIC-Insured Bank Account
The trust's bank account is held at US Bank, which is FDIC-insured, providing federal deposit protection for member funds.
Member Governing Board
An independent board of members audits and ensures compliance. This adds a layer of transparency that traditional financing never offers.
Bring your mortgage quote. We will beat it.
If your bank can offer a lower monthly payment on the same home, we will pay your first month.
Mortgage vs. Home Savings Club
The true cost of homeownership. Side by side, no fine print.
Example: $400,000 home, 360-month (30-year) term
Traditional rate: Freddie Mac PMMS Q4 2024 average 30-year fixed rate (6.8%). Savings Club flat fee varies by creditworthiness — stronger profiles receive lower fees. Use our calculator for personalized estimates.
Frequently asked questions.
Everything you need to know about home clubs.
A mortgage is a loan from a bank. You borrow money, and the bank charges you interest that accrues daily. Over 30 years, you end up paying nearly double the price of the home. Savings.Club is a member-owned savings club. You contribute monthly alongside other members. When your Savings Score (your activity-based ranking in the club) reaches the top of the ranking, you receive a purchasing voucher to buy your home. Instead of interest charges, you pay a flat fee. On a $400,000 home, your monthly payment is $1,444. The result is a lower monthly payment, faster equity buildup, and tens of thousands less paid over the life of the purchase.
No. All credit profiles are accepted. This is one of the most important differences from traditional mortgages, where your credit score determines your rate, your monthly payment, and whether you get approved at all. With Savings.Club, everyone pays a flat fee instead of accruing interest. Different plans and membership tiers may have different fee structures, but every member always pays less than traditional financing.
No. Savings.Club requires $0 down payment. Your monthly contributions build toward your purchasing voucher. When you receive the voucher, it covers the full purchase price of the home. Depending on the debt-to-property ratio, there may be PMI, but because you amortize faster with Savings.Club, you exit PMI sooner than with a traditional mortgage.
Every common fund contribution goes into a legally separate, irrevocable trust managed by Jackson Hole Trust Company, an independent fiduciary. The trust's bank account is held at US Bank, which is FDIC-insured. Savings.Club cannot access your money, redirect it, or use it for any purpose other than member benefit. Your money is protected by the same legal structure used by institutional investors and pension funds.
Yes. When you receive your purchasing voucher, you can buy from any authorized dealer, builder, or listing agent. You can buy a single-family home, a condo, a townhouse, a duplex, or new construction. Private sales must be intermediated through a licensed agent. The home is yours.
During the savings phase (before your voucher is awarded), you have three options. You can switch to half-payments if your budget gets tight. You can freeze contributions entirely. Or you can transfer your membership. These options are available during the savings phase. After your voucher is awarded and you enter the borrowing phase, standard obligations apply, but we work hard with every member to find solutions.
Residential home clubs are coming soon. Join the waitlist now to secure your spot. Access is released first-come, first-served and through referrals. Early waitlist members get priority when we launch. Vehicle and commercial real estate clubs are already open and accepting members.
Your dream home. For less.
Residential home clubs are coming soon. Single-family, condo, townhouse, multi-family, new construction, farms, ranches, and homesteads. Flat fee, all credit profiles accepted, no down payment.
Join the waitlist
Be first in line when residential clubs launch. Get notified the moment enrollment opens. No commitment required.
Want to learn more?
See exactly how home clubs work, step by step. Understand the trust structure, the Savings Score, and the math behind the savings.
How It WorksOperating in TX, FL, MA, CT. Other states coming soon.