You're going to live under a roof.
Make it yours.
California's co-ownership matching platform.
Multiple incomes. One home. Zero excuses.
We find your co-buyers, run an automated approval in under 60 seconds, and close in 30 days. Same mortgage. Exponentially more buying power.
New to co-ownership? Learn how it works at nexushomesca.com →
Tell us your city, income, credit range, timeline, and what you're looking for in a co-owner. Takes 5–7 minutes. No mortgage license required.
Our algorithm runs the moment your profile is live. Strong matches in active markets can surface in minutes. Broader searches may take a few days. You'll be notified by email and SMS the instant a compatible co-buyer is found.
The moment a match is confirmed, our automated approval engine evaluates your co-buyer group together and generates an initial approval decision in under 60 seconds. You know if you qualify — as a group — before you ever pick up the phone. No waiting days for a callback. No uncertainty. Just a fast, clear answer.
With your initial approval already in hand, Citizens Financial moves your co-buyer group through the standard 30-day mortgage process — application, processing, underwriting, and closing — at exactly the pace of any traditional purchase loan.
NEXUS. covers the entire state. From San Diego to Siskiyou, every Californian deserves a path to ownership.
Median home prices in SF are $1.3M. LA tops $920K. Co-ownership splits the load without splitting your lifestyle.
Two co-owners cuts every fixed cost in half. Three reduces it by 67%. Four by 75%. Down payment, mortgage, taxes, and maintenance all shrink with every additional co-owner — economies of scale applied to the biggest purchase of your life.
Co-ownership agreements, title structure, and exit provisions are handled through our legal partner network.
We look at lifestyle, schedule, goals, and neighborhood preferences — not just credit scores — to build lasting partnerships.
Every co-buyer is on title. Everyone builds equity. Everyone benefits from appreciation. This is real ownership — not renting from each other.
"Homeownership in America hasn't become less desirable—it's become less accessible. Nexus Match changes that."
For decades, the path was simple: buy a home on your own, or buy with someone you already know. Today, that path is broken for millions.
Nexus Match introduces a new lane—structured co-ownership—built for how people actually live, earn, and grow today.
This isn't replacing traditional homeownership. It expands it.
"People already co-own homes every day—with spouses, family, and friends. The difference? Most do it without structure, without clarity, and without a plan."
Nexus Match changes that by delivering:
This is not a workaround. This is the evolution of ownership.
Let's be honest—risk exists in every co-ownership scenario. The real question isn't: "Do I know them?" It's: "Do we align financially, behaviorally, and structurally?" Most people never actually answer that—even with family.
Nexus Match flips that:
In many cases, this creates more clarity than traditional relationships ever provide.
Things can go wrong in any partnership—known or unknown. What Nexus Match does differently:
You're not relying on trust alone. You're operating inside a system built for real-world scenarios.
This is where traditional co-ownership fails—and where Nexus Match leads. Every partnership includes a pre-defined operating agreement with clear exit paths:
No guesswork. No gray area. Just defined outcomes.
This isn't a limitation—it's a stepping stone. Under guidelines from Fannie Mae and Freddie Mac: if the other co-owners have made the last 12 months of payments (fully documented), that mortgage can be excluded from your debt-to-income ratio.
Translation:
Nexus Match is designed to move your life forward—not hold it back.
Most people co-buy based on comfort. Nexus Match is built on compatibility data, financial alignment, and defined structure. It replaces assumption with precision.
All costs are structured and tracked: mortgage, taxes, insurance, and maintenance. Typically managed through a shared system that ensures transparency and accountability for every co-owner.
This is for people who want ownership but need a smarter path—who refuse to wait 5–10 years to buy alone, and who see real estate as a strategy, not just a milestone. From first-time buyers to professionals and investors—this model expands access and accelerates opportunity.
No—but you need to qualify within lending guidelines. Nexus Match often improves your position by combining financial strength, increasing purchasing power, and unlocking access you may not have alone.
"The old model says: wait, save, and hope you can buy alone.
The new model says: align, structure, and move forward now."
Nexus Match isn't changing the dream of homeownership.
It's changing the path to get there.
Explore your match. Understand your options. Step into the new lane of homeownership.
Join 1,200+ Californians who've already created their profile. Seven minutes to build it. Seconds to get your approval. Thirty days to get your keys.
You were told to wait. Save more. Settle.
We're proving that wrong — one co-buyer at a time.
The fastest path to equity in California was never cheaper homes. It was smarter ownership. The door to homeownership never closed. It was just too heavy for one person to open. You've been paying enough to own a home in California for years. You just haven't been building equity from it. Co-ownership changes that — your name on the deed, your equity growing from day one.
Median home prices across California have priced out millions of working professionals — teachers, nurses, tradespeople — who earn good incomes but simply can't clear the down payment or qualify alone. These are the numbers they're up against.
Co-ownership is not a compromise. It is the smartest path to equity that most Californians have never been offered — until now.
Ride-sharing changed how we move. Home-sharing changed how we travel. Co-working changed where we work. NEXUS. is the moment that same principle — share the cost, share the benefit — reaches the most powerful wealth-building asset in America: the home.
Enter any purchase price, select your number of co-owners, and see exactly how the down payment, monthly payment, and equity growth are split — then compare it to renting in the same area.
Finding a co-owner isn't a checklist — it's a relationship. Every match is scored across 5 weighted dimensions that measure whether co-buyers can actually share a roof, split costs equitably, and build wealth together. The number on the match card is the total. This is what separates a smart algorithm from a simple search.
County, city, neighborhood, and commute tolerance — your most essential filter.
Combined buying power, income ranges, and shared budget targets for the home.
Matched within one credit tier to ensure all co-buyers can qualify together.
Alignment on when you're ready to buy — so no one is held back or rushed.
Single-family, condo, townhome — matched on the type of home you both want.
Lifestyle clusters also factor in — we score whether you're in the same cluster, not just matching individual hobbies:
When a match scores above 80% across ALL five dimensions simultaneously, it earns the NexusLock badge — the highest signal of co-owner compatibility on the platform.
NexusLock means the algorithm confirmed compatibility across finances, location, credit, timeline, and property goals — simultaneously. It appears on a match card before a user reads a single word. It answers the question every person has when browsing: is this one worth my time? NexusLock says yes.
For generations, wealth in America has been built through homeownership. For decades, that door has been closing on working Californians. NEXUS. opens it again — not by changing the mortgage, but by changing who walks through it together.
A mortgage is not a cost — it's a wealth-building instrument. Every payment builds equity. Every year of appreciation builds net worth. NEXUS. exists to get more people into that position, together.
The sharing economy redefined transportation, travel, and work. NEXUS. applies that same principle to ownership — pairing compatible people to share costs, share a home, and share in wealth creation. Legally protected. Equitably structured.
The next generation of homeowners will not look like the last. They will be nurses, teachers, and tradespeople who choose to own together — building real wealth in the communities where they live and work.
This is not a workaround.
This is the new standard.
We find your co-buyers, run an automated approval in under 60 seconds, and close in 30 days. Same mortgage. Exponentially more buying power.
Income, location, credit range, timeline, and lifestyle. 5–7 minutes. Completely free.
The algorithm runs the moment your profile is live. Strong matches can surface in minutes. You're notified instantly by email and SMS.
All co-buyers evaluated together. Initial approval decision in under 60 seconds. You know if you qualify — as a group — before you pick up the phone.
Citizens Financial moves your co-buyer group through the standard 30-day mortgage process — same timeline as any traditional purchase loan.
Create your profile in 7 minutes. Get an automated approval in under 60 seconds. Close in 30 days.
Income, location, lifestyle, timeline. The 5-dimension engine starts working the moment you submit. Takes 7 minutes. Completely free.
The moment a compatible co-buyer is found, all profiles are evaluated together. Automated initial approval — as a group — in under 60 seconds.
Citizens Financial moves your co-buyer group through the standard 30-day mortgage process. Same timeline as any traditional purchase.
The roommate era ends here.
You've been paying someone else's mortgage for long enough.
No cost to register · No mortgage license required · NMLS #2503947
5–7 minutes. Completely free. No mortgage license needed.
Your profile is live and the matching algorithm is already working. You'll see compatible co-buyers ranked by NEXUS Score — the higher the score, the better the fit.
5 free likes per day. Upgrade to NEXUS Home for unlimited access.
Your profile is active. Now let's verify your income using FNMA Form 1084 methodology — all inside NEXUS, no redirects.
Tell us about the property you and your co-owners plan to purchase together.
Prefer our full digital 1003? You can also apply through our partner platform.
Apply via Blink →Your personal information as it appears on your government-issued ID.
Enter annual figures. We apply FNMA 1084 methodology to calculate your qualifying monthly income.
Include rental income (Schedule E), dividends, and any other qualifying income.
Enter combined income for all co-borrowers. Every dollar reduces per-person costs exponentially.
Enter assets and each individual debt obligation. Debts with fewer than 10 payments remaining may be excluded from your DTI ratio.
Enter each debt individually. This data maps directly to your loan file.
Enter total monthly obligations for all co-borrowers combined.
Federal law requires lenders to collect the following information from all borrowers. Answer for the primary borrower.
Upload your tax returns and income documents to verify your self-reported data. Our AI engine will cross-reference your documents against your application for faster underwriting.
AI Document Verification: When you submit, our engine will cross-reference your uploaded documents against your self-reported income data. Any discrepancies will be flagged for review. This accelerates the underwriting process and reduces conditions at closing.
Documents are optional but strongly recommended. You can proceed with self-reported data only.
| Field | Detail |
|---|---|
| Primary Borrower | — |
| Employment Type | — |
| Co-Borrowers | — |
| Income Trend | — |
| Income Continuance | Stable employment documented. Income likely to continue per agency guidelines. |
| Final Qualifying Monthly Income | — |
| Income Component | Year 1 | Year 2 | Monthly (Avg) |
|---|
Your pre-qualification file is ready for Citizens Financial. Greg Ritchie or an assigned LO will receive your MISMO file and 1084 analysis.
Your loan officer will review your file, confirm your pre-qualification, and discuss loan program options — FHA, Conventional, VA, or alternative programs.
Standard mortgage timeline from here. Application, processing, appraisal, underwriting, and closing — no different from a traditional purchase.
Your co-ownership journey is underway. Here's where things stand.
Citizens Financial internal dashboard. Authorized personnel only.
Confidential financial package. Authorized investors and advisors only.
Let's set up your realtor profile. About 7 minutes. You can edit anything later from your dashboard.
Here's the state of your NEXUS profile and activity.
NEXUS-certified realtors in your target cities. Browse, read reviews, and pick the one that's right for you.
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When you and your co-buyers find your home, you'll use these six agreements to formalize your partnership. Built by NEXUS, designed to protect every co-owner equally.
The foundation. Defines TIC vs RLT structure, equity shares, usage rights, voting authority, and dispute resolution.
Joint property savings account governance. Multi-signer rules, withdrawal thresholds, monthly contributions.
Independent panel of trusted advisors who mediate disputes and prevent equity deadlock.
Voting categories and thresholds for routine, standard, major, and removal decisions.
Personal space rights, shared space rules, privacy and communication protections.
Equity protection, removal process, and forced refinance/sale to prevent deadlock or breach.
How NEXUS Match makes money. Two revenue streams, neither requires upfront cost from the parties NEXUS connects.
NEXUS Match is a two-sided marketplace connecting California co-buyers with each other and with vetted realtors. Revenue comes from two streams: users pay for premium matching access, and realtors pay for visibility plus a performance commission on closed deals.
Users can engage NEXUS for free at the most basic level. To unlock full matching access, contacting matched co-buyers, and the realtor browse, they upgrade to NEXUS Home.
| Tier | Price | What's unlocked |
|---|---|---|
| NEXUS Connect | Free | Profile creation, match count visibility, basic browsing |
| NEXUS Home | $99 one-time (12 months) | Full match details, contact co-buyers, browse realtors, select realtors, document tab access |
| $29.99 / month | ||
| $79.99 / 3 months | ||
| $151.99 / 6 months |
Realtor pricing is structured around two ideas: (1) you only pay to be visible, and (2) you only pay a commission when you actually close a deal with a NEXUS-introduced buyer. Realtors can engage with one or both.
There is no free realtor visibility on NEXUS. Realtors must complete certification AND maintain an active subscription to appear in user searches.
Once a realtor accepts a NEXUS-introduced buyer, a 24-month commission obligation window begins. If a deal closes within that window, NEXUS earns a flat percentage of the realtor's buyer-side commission.
Hypothetical example for explanation purposes only. Actual commission rates vary by market and brokerage agreement.
| Item | Amount |
|---|---|
| Home purchase price | $650,000 |
| Buyer's-agent commission (typical 2.5%) | $16,250 |
| NEXUS share at 25% | $4,062.50 |
| Realtor's net | $12,187.50 |
NEXUS is operated by Citizens Financial / Badges Broker (NMLS #2503947). The realtor-side commission structure is being reviewed by compliance counsel under RESPA Section 8 and California real estate referral law prior to launch. Final terms may be modified to align with regulatory requirements. The performance commission is structured to attach to realtor compensation, not to mortgage settlement services.
Last updated: April 2026 · For internal review and partner discussions · Not yet final
Last updated: May 2026 · NEXUS Match, a product of Citizens Financial (NMLS #2503947)
By creating an account on NEXUS Match ("the Platform"), you agree to these Terms of Service. The Platform is operated by Citizens Financial, a California-licensed mortgage brokerage (NMLS #2503947, DRE #02155916), with principal offices in Vacaville, CA. If you do not agree, do not use the Platform.
NEXUS Match is a co-borrower discovery and matching platform that connects homebuyers seeking to co-purchase residential property in California. The Platform also connects co-buyer groups with NEXUS-certified real estate agents. NEXUS Match is not a lender, real estate brokerage, or financial advisor. Mortgage lending services are provided separately by Citizens Financial.
You must be at least 18 years old and a legal U.S. resident to use the Platform. By registering, you represent that all information you provide is accurate, current, and complete.
You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately of any unauthorized access. NEXUS Match reserves the right to suspend or terminate accounts that violate these terms or provide false information.
NEXUS Match offers free and paid subscription tiers for both homebuyers ("NEXUS Home") and real estate agents ("NEXUS Network"). Paid subscriptions are billed through Stripe on a recurring basis (monthly, quarterly, or semi-annually). You may cancel at any time; cancellation takes effect at the end of the current billing period. No refunds are provided for partial billing periods.
NEXUS Match provides a compatibility score ("NEXUS Score") based on publicly shared profile preferences. This score is informational only and does not constitute financial advice, a lending decision, or a guarantee of mortgage qualification. All co-buying arrangements are subject to independent verification, underwriting, and legal agreement between the parties.
NEXUS-certified real estate agents are independent licensed professionals. NEXUS Match does not employ, supervise, or guarantee the performance of any agent. A performance commission (15% with Citizens Financial lending or 20% with an outside lender) applies to transactions originating from NEXUS introductions within a 24-month attribution window.
NEXUS Match is provided "as is" without warranties of any kind. Citizens Financial shall not be liable for any damages arising from use of the Platform, including but not limited to lost profits, data loss, or failure of any co-buying arrangement. Our total liability shall not exceed the amount you paid for Platform services in the 12 months preceding the claim.
Questions about these terms should be directed to: support@nexushomesca.com or Citizens Financial, Vacaville, CA. NMLS #2503947.
Last updated: May 2026 · NEXUS Match, a product of Citizens Financial (NMLS #2503947)
Account information: Name, email address, phone number, password (encrypted).
Profile information: Age range, current city, target cities, employment status, income range, credit score range, housing situation, timeline, personal story, interests, household setup, co-borrower details (if applicable), and home type preferences.
Usage data: Pages visited, features used, discovery interactions (likes, passes, matches), subscription history, and device/browser information.
Financial information: Payment details are processed by Stripe and are never stored on our servers. We retain subscription status and billing history only.
We use your information to: operate the co-borrower matching algorithm, calculate NEXUS Scores, facilitate group formation, connect groups with certified realtors, process payments, send service notifications, and improve the Platform. We do not sell your personal information to third parties.
With other users: Your profile information (name, city, age range, price range, story) is visible to other users in the discovery stack. Financial details (income, credit score) are never shown to other users. Contact information (email, phone) is only shared after a complete co-buyer group confirms a realtor.
With realtors: When your group selects and confirms a realtor, your name, email, and phone are shared with that realtor only.
With service providers: We use Supabase (database), Vercel (hosting), Stripe (payments), and Resend (email) to operate the Platform. Each provider processes data under their own privacy policies.
We use industry-standard encryption, row-level security policies, and secure authentication to protect your data. Passwords are hashed using bcrypt. Database access is restricted by role-based policies.
You may: access your personal data through your account settings, update your information at any time, request deletion of your account and associated data, and opt out of marketing communications. To exercise these rights, contact support@nexushomesca.com.
California residents have the right to: know what personal information is collected, request deletion of personal information, opt out of the sale of personal information (we do not sell your data), and not be discriminated against for exercising privacy rights.
For privacy inquiries: support@nexushomesca.com · Citizens Financial, Vacaville, CA · NMLS #2503947
Manage your account, subscription, and preferences.
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