The financial & property lifecycle
One household. One property. The whole way through.
Underwriting, funding, closing, servicing, repair, and financial records stay connected to the same household and property — so nothing is re-keyed between systems, and the money side of a case is never a separate spreadsheet that drifts out of sync.
Underwriting & funding
Affordability, modeled — not bolted on
From a household’s income and obligations, model the affordable payment, the maximum affordable mortgage, and the subsidy needed to close the gap — then assemble the funding stack that pays for it.
Affordability underwriting
Model the affordable payment, max affordable mortgage, and the affordability subsidy that closes the gap.
Funding stacks
Grants, subsidy, down-payment assistance, and the buyer mortgage combine on the case, each drawing from its source.
Income-ceiling gates
AMI ceilings and a charitable-purpose check keep a case inside the limits your funding and exempt purpose require.
Closing & servicing
The relationship the mortgage begins
When a Habitat-style mortgage originates, servicing lives on the same record — payments, escrow, and the portfolio view — alongside the sweat-equity a partner family contributes.
Loan origination & servicing
Originate from the underwriting, then record payments with principal, interest, and escrow — and see the servicing portfolio.
Sweat equity
Track the hours a partner family contributes toward their requirement, on the household record.
Repair scopes
On the repair side, a traceable, line-item scope of work ties each item back to its deficiency, spec, and cost.
Refinance & subordination
Review a refinance without losing the record
When a homeowner refinances, see the cash-out and loan-to-value flags, and decide whether to subordinate the program’s interest — while the original affordability record stays intact. The decision follows your approval policy, so a subordination isn’t a one-person call unless you configure it that way.
- Cash-out & LTV flagsEquity-stripping and thin-cushion refinances are surfaced for the reviewer.
- Subordination on the recordThe decision to subordinate is documented, not a side letter.
- Original terms preservedThe affordability agreement and its history stay in place through the refinance.
Accounting exports
Financial records that reach your books
HomesMatrix keeps the program’s financial records; it doesn’t replace your accounting system. It prepares balanced journal entries from funding and payments as configurable exports for downstream accounting workflows.
Balanced journal entries
Grants, subsidy, buyer mortgages, and payments map to double-entry journal entries that balance before they leave the system.
Configurable exports
Export workflows for QuickBooks and PeopleSoft are available for configuration; live posting is set up with your accounting team during implementation.
Export formats are validated against your receiving workflow before go-live.
See the money side on your program
A short, tailored walkthrough — underwriting, servicing, and your funding sources.