Shared equity & long-term stewardship
The relationship doesn’t end at the closing table
Shared-equity and community land trust programs carry affordability for decades. Most systems stop at closing. HomesMatrix applies the right agreement and resale method to every transaction, and preserves the complete history of a home’s affordability obligations — so a resale, refinance, or release years from now is calculated on the terms that actually governed it.
Versioned agreements
Every covenant, on the record, at every version
Affordability covenants, resale restrictions, rights of first refusal, silent seconds, ground leases, and warranties are all first-class agreements recorded against the home. Amending an agreement archives the prior terms as an immutable version, so any point in a home’s history can be reconstructed.
Recorded against the home
Covenants and restrictions live with the property and the household — not in a separate file that drifts out of sync.
Versioned, not overwritten
Each amendment archives the terms it replaced, so the live agreement is current and the full history stays intact.
Documents attached
Recorded deeds, ground leases, and appraisals attach to the agreement and the property, stored privately and served over signed links.
Resale methodologies
Apply the right formula to every transaction
Different programs preserve affordability differently. HomesMatrix supports the common methodologies as configurable formulas — and freezes each calculation so a determination stays reproducible years later, even after the formula or an appraisal changes.
Fixed-rate
The purchase price grows by a set rate — simple or compound — so the resale price stays predictable and the calculation is easy to explain to a seller.
Shared appreciation
The homeowner keeps a defined share of the appraised appreciation, with approved capital-improvement credits, caps and floors, and a graduated vesting schedule if your program uses one.
Index-based
Resale tracks a published index — area median income, a housing index, or a local measure — by a participation percentage you set.
Community land trusts
Built for the ground-lease model
For homes on a community land trust ground lease, the resale formula runs on the leasehold — the improvement value the homeowner actually holds — with the land retained by the trust and kept out of the seller’s proceeds. Ground rent in arrears settles from the sale, and the calculation explains the basis it used.
- Leasehold-basis resaleResale is calculated on the improvement value, not a fee-simple value that bundles in land the homeowner never owned.
- Land retained by the trustThe land holder is on the record, and the land stays out of the seller’s proceeds.
- Ground-lease terms trackedGround rent, escalation, and lease dates are kept with the agreement.
The rest of the lifecycle
Everything a long affordability term actually requires
Appraisals & improvements
Record valuations by purpose — including CLT leasehold appraisals — and approved capital-improvement credits that feed the resale calculation.
Refinance & subordination
Review a homeowner’s refinance, see cash-out and loan-to-value flags, and decide whether to subordinate — without losing the original affordability record.
The right people decide
High-stakes actions — finalizing a resale, releasing a restriction, approving a subordination — can require a second, different authorized person.
See stewardship on your program
A short, tailored walkthrough — including your resale methodology and agreements.