Finally afford the home you want
Save money and buy sooner — with Cedar’s tested leasehold model. You buy the house, we buy the land.
Call Today: 888-451-3771
Save on downpayment & mortgage
Less out of pocket costs
Keep control, sell anytime
Buying a home shouldn't feel impossible. You deserve better than high costs and rigid requirements. With Cedar's leasehold model, you can finally afford the home you want.
Easy closings
Smaller down payment
Lower monthly payments
Buy the house. Lease the land. Keep control of everything.
More money in your pocket
Move into your dream home faster with less upfront cost and lower monthly payments
Slash upfront costs
Reduce your down payment or mortage debt by 20-50%, making it easier to buy a home
Lower monthly payments
Enjoy lower monthly mortgage payments, keeping more money in your pocket each month
Save on taxes
Deduct property taxes and mortgage interest to save on taxes
Less stress, more certainty
Buy on your terms.
Higher odds of approval
Cedar's support helps you get approved for a mortgage and successfully close on your home
Customize your solution
Choose your down payment, monthly payments, and savings
Buy with less debt
Cedar improves your debt-to-income ratio so you're more attractive to lenders
Put your money where it matters
Maximize your financial growth by keeping more money invested or in savings.
Keep your money invested
A smaller down payment means you can keep more money invested at a higher rate of return
Build home equity sooner
Gain home equity while your other investments grow.
Save more each month
Lower monthly payments mean you have more leftover to invest in your retirement or other goals
Control & flexibility at every step
Easily extend, transfer or sell your home when you're ready.
Sell whenever you want
Sell the leasehold or the full property at any time. No special permission needed.
Keep it in the family
Easily pass the home to your children. They get all the same rights you do.
Buy the land whenever
You, the homeowner, are contractually guaranteed the right to recombine the home and the land, whenever you'd like.
Lower costs
When you buy the home, Cedar buys the land, lowering the initial cost
Smaller Mortgage
Mortgage debt is expensive. The less you have, the better off you are.
Flexible structure
Use Cedar to adjust your down payment and monthly payments as you need
Buy the land anytime
Buy the land later if you choose.
Easier loan approval
Cedar makes it easier to get a mortgage and, in some cases, avoid high-interest jumbo loans
Stable payments
Payments are adjusted only yearly using a transparent, inflation-linked formula, reducing financial stress
Tax savings
Deduct property taxes and mortgage interest from your taxable income
Keep investments
Keep more money invested, earning a higher return than real estate
Build equity
Own your home to build equity, and enjoy the benefits of homeownership
Clear terms
No hidden fees or surprises. Straightforward pricing for buying back the land
Long-term security
Stable ground rent and the option to transfer the lease to future buyers or buy the land later
Easy to Sell
You can sell your home as a leasehold or combine to a regular "fee simple."
A Better Path to Homeownership
A Cedar Leasehold helps you buy your home with less upfront cost and lower monthly payments, allowing you to achieve your homeownership dreams faster.
Find a home you love
Explore freely knowing that Cedar is here to help with the downpayment and mortgage.
Buy with Cedar
Start the pre-approval process with a Cedar preferred lender
Submit an offer
You buy the home and Cedar pays cash upfront for the land
Enjoy it as long as you want
Pay ground rent to Cedar at a much lower rate than a mortgage for the land would cost
Enjoy full use of the home
Sell it (or don't)
Sell the home or the whole property whenever you want
Purchase the land from Cedar whenever you want
The Cedar Difference
See how Cedar compares to other alternatives
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*So long as changes / rebuild is of equal or greater value to existing structures.
Clear & simple terms
Written by normal people for normal people
Cedar’s leasehold model separates the purchase of the land from the purchase of your home. Cedar buys the land, which reduces your initial costs and monthly payments. You own the home and lease the land from Cedar for 99 years, with the option to buy the land later or extend the lease.
By reducing the total purchase price of your home, Cedar improves your loan-to-value ratio, making it easier to get approved for a mortgage. This means you’re more likely to qualify for a mortgage and avoid high-interest jumbo loans.
Yes, you have the option to purchase the land at any time during your lease. Cedar offers clear and predictable pricing for buying back the land, ensuring there are no hidden fees or unexpected increases.
Your lease is fully transferable, meaning you can sell your home at any time without any restrictions from Cedar. If you prefer, Cedar can also help with the sale of the entire property, including the land and the home, ensuring a smooth and hassle-free process.
You can deduct property taxes and mortgage interest from your taxable income, just like with traditional homeownership. This helps you save money on taxes while building equity in your home.
Yes, the ground rent is set up front and only adjusts annually. This ensures stable and predictable payments over the life of your lease.
