Buy a home. Without 30 years of compound interest.
A 30-year fixed mortgage at 7% on a $400K home costs you about $558,000 in interest alone, more than the house itself. A savings club replaces compound interest with a flat fee, and replaces the 30-year amortization with a finite contribution obligation. Used by 30 million Germans through Bausparkasse for the same outcome: home ownership without permanent debt.
- No down payment
- No mortgage
- Trust-protected funds
$558,000
in interest you never pay
$0
Down payment
$0
Compound interest
30M+
German homeowners
30 million Germans use the Bausparkasse savings-club model for the same outcome: home ownership without permanent debt. Savings.Club brings it to the United States.
Why traditional financing falls short here.
A traditional U.S. mortgage is the largest single financial commitment most Americans ever sign, and most pay more in interest than the home cost. Bausparkassen-style savings clubs have served German homeowners for over a century with a different math: pooled contributions, flat fees, and a defined finish line. We are bringing that model to the United States.
- A 30-year mortgage at current rates costs more in interest than the home itself.
- Down payment requirements (3-20%) lock first-time buyers out for years.
- Mortgage insurance (PMI) on low-down-payment loans adds 0.5-1.5% annually.
- Closing costs run 2-5% of home value, often paid out of pocket on top of the down payment.
- Refinance volatility: a rate drop you cannot capture is wealth lost.
HOW IT WORKS FOR HOMES
Four steps to owning.
- 1
Pick your home value bracket.
Single-family, condo, townhouse, or multi-family. Savings clubs are configured by home value, not by region or property type.
- 2
Join the club, no down payment.
Monthly contributions only. The total cost is known on day one, flat fee, no rate-cycle exposure.
- 3
Receive your Purchasing Voucher.
Members receive vouchers for the full home value on a predictable cadence. Use yours with any licensed real-estate agent or direct seller.
- 4
Own the home outright.
No mortgage. No bank lien. No PMI. No 30-year amortization clock. The home is yours; you continue club contributions until your obligation is fulfilled.
A DEFINED FINISH LINE
Equity from contribution one.
Every contribution is equity, not interest. No upside-down years, no 30-year amortization clock. The German Bausparkasse model, adapted for the U.S. market, gives you home ownership without permanent debt.
- You own the home outright on day one of voucher use. No bank lien.
- Every contribution is equity, not interest.
- Contributions held in irrevocable trust at US Bank under JHTC.
WHAT YOU GET
The difference.
Single-family or multi-family
Configured by value bracket. Any U.S. residential property qualifies.
No down payment
Monthly contributions only. Conserve liquidity for furnishing and moving.
Flat fee, known upfront
No compound interest. Total cost set at enrollment.
No mortgage
You own the home outright on day one of voucher use. No bank lien.
Equity from contribution one
Every contribution is equity, not interest. No upside-down years.
Trust-protected funds
Contributions held in irrevocable trust at US Bank under JHTC.
THE MATH, SIDE-BY-SIDE
A $400,000 home, two ways to pay.
| Traditional financing | Savings.Club | |
|---|---|---|
| Down payment on $400,000 home | $12,000 to $80,000 | $0 |
| Total cost over the term | $880,000 to $1,000,000+ | $460,000 to $480,000 |
| Compound interest paid | $480,000 to $620,000 | $0 |
| PMI (if low down payment) | $3,000 to $6,000/yr | $0 |
| Bank lien on title | Yes (30 years) | No |
Illustrative: $400K home, 30-year fixed mortgage at 7% (national avg, late 2025) vs. flat-fee Savings.Club obligation. Actual savings depend on home value, term, and prevailing mortgage rate.
QUESTIONS
Common questions.
Yes. A home savings club replaces the mortgage entirely. There is no bank lien on the title, the home is yours outright when you use the voucher.
Ready to see your numbers?
Run the calculator or talk to a person about your specific situation.
Available in TX, FL, MA, and CT.