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Steps to buy a home.
Enjoy shared homeownership.
Cher® makes first-time homeownership simple through co-ownership.
Our team, partners and co-ownership programs save you time and will multiply your homebuying options.
1. Contact Cher®
brokers
A broker will help you in the steps to buy a home and check if you can qualify.
2. Search your home in California
Find the perfect home on our website and check our thousands of listings.
3. Decide if you want to co-own
Share your future home with friends, family, or people to co-own with.
4. Get a loan with a low down payment
Get approved for our low-interest loans with low credit score and income requirements.
Client Testimonials
Meet Cher® team
Cher® diverse team has over 100 years of combined industry experience helping homebuyers and sellers in English and Spanish.
The perks of
co-owning a home
Build
wealth
The average California homeowner gained $57K in equity last year.
Afford nicer
homes
Multiply your buying power to afford nicer homes in higher appreciating areas.
A fast way into homeownership
The perfect way to transition from renting to owning and living in your dream home.
Get out Of
renting
Stop your landlord raise the cost of living and become a homeowner.
Affordable homeownership.
Get a loan.
Cher® brings you a simple and affordable way to invest in real estate:
FHA Government Loans
These unique loans with low down payment (as low as 3.5%) and softer credit requirements are ideal for first-time homebuyers.
CalHFA Forgivable Loans
Own homes in areas with higher appreciation by accessing government loan programs allowing up to 4 people to qualify for 10% down!
HomeOne® Loan
The Freddie Mac HomeOne® mortgage is a low down payment option that serves the needs of many first-time homebuyers wtih a low down payment of just 3%.
FHA Government Loans
These unique loans with low down payment (as low as 3.5%) and softer credit requirements are ideal for first-time homebuyers.
CalHFA Forgivable Loans
Own homes in areas with higher appreciation by accessing government loan programs allowing to qualify for 10% down!
HomeOne® Loan
The Freddie Mac HomeOne® mortgage is a low down payment option that serves the needs of many first-time homebuyers.
Contact one of our loan officers to learn more about the different loan options available!
About Cher®
Simple, Affordable, Cher®
Cher® makes homeownership simple and affordable through co-ownership programs and unique loan options.
By providing access to homes, realtors, legal documents, and acting as a digital co-buying concierge, Cher® enables low to middle-income renters an opportunity to transition into co-ownership and build equity.
Cher® is also a real estate marketplace that brings first-time homebuyers, real estate agents, investors, and lenders together in one place.
We provide co-owners with connections to fellow buyers, access to real estate agents, data feeds to thousands of homes via MLS, hands-on customer support, and access to competitive loan options.
Share the ownership of a home without the need to live in it and enjoy first-time homebuyer benefits.
Our team
Paul Hoare
COO & CO-Founder
MBA from Pepperdine
3-Time Fintech Founder
Sr. VP Bank of America (Credit loss and mitigation strategies)
Armando Navarro
Marketing associate
Business Degree at LUC
Digital Marketing
Business Strategy
Kimberly Hernandez
MARKETING ASSOCIATE
University of Notre Dame
MCOB: BBA in Finance
QuestBridge Scholar
Our Board
Kieran Hannon
Board Member
Previous CMO at Belkin
Forbes 31st most globally influential CMO’s 2021
Will Adams
Board Member
Head of Sales at LendingTree
Oversees all sales verticals and business strategy
Asher Leids
Board Member
Angel Investor in +55 startups
Several exits, VC Attorney and Legal Advisor
