A popular co-owning choice for unmarried couples, siblings, and groups of friends.

What is a TIC Loan?

TIC is when two or more owners share ownership of the same property as Tenants In Common.

Although they share ownership, each of the co-owners has a right to a percentage of the title and can enjoy their own space/unit.

Under the TIC agreement, you can sell or gift your share and decide who inherits your interest. TIC also allows for different ownership percentages.

Multiple owners are able to split the costs of property ownership among themselves and have two loans under the same property (one for each co-owner).

Other Co-ownership Options


Credit Score: 700 FICO for employed and 720 for self-employed.

Down Payment: 10%.

Two years employment and reported income required.

6 month reserve for primary residence.

Perfect for 2-4 unit properties.

Primary and second homes only.

*Contact us to see if you can qualify for a TIC Loan or other co-ownership arrangements.

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NMLS: #1898741 DRE: #02094241