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Welcome to Homelend HMD
A MORTGAGE CROWDFUNDING PLATFORM
We’re building a blockchain-based, peer-to-peer mortgage lending platform

Mortgage Loans Are at the Core of Society
Having a home is one of the basic human needs - a need most people are only able to afford by taking out a mortgage loan from the bank. In the U.S. alone, more than 8 million mortgage loans are granted every year.

An Archaic $31 Trillion Industry Yearning for Disruption
The U.S. mortgage market is valued at $14 trillion, and the global market is expected to reach $31 trillion by the end of 2018. Yet, despite how central this market is both socially and economically, the traditional mortgage lending system remains incredibly primitive.

The system relies on lengthy and complex paper-based processes involving various intermediaries—processes that are laden with inefficiencies and overhead costs for both borrowers and lenders. Moreover, mortgage loans are largely unattainable for the new generation of young borrowers, excluding millions of creditworthy individuals from obtaining home loans due to outdated assessment criteria.

Homelend Mortgage Crowdfunding Platform

We Are Developing a Decentralized, Peer-To-Peer Mortgage Lending Platform Serving Two Purposes
1. Modernizing the age-old mortgage lending system in order to make it efficient, cost-effective and customercentric.

2. Expanding home ownership opportunities for a new generation of borrowers, meeting their distinct lifestyle and needs.

How does it work?
By leveraging distributed ledger technology (DLT) and smart contracts, Homelend brings together individual borrowers and lenders on an end-to-end platform that streamlines and automates the entire mortgage origination process.

The Homelend Token (HMD)

The HMD token is the fuel powering the Homelend peer-to-peer lending platform. It's main functionality is to grant access to the Homelend platform.
This utility token also plays an instrumental role in enabling a fast, smooth and user-friendly workflow that is unified and secure.
All tokens can be converted to and from HMD.

Timetable
Pre-Sale.......................March 1, 2018
Crowdsale.................TBD
Closure........................TBD

Specifications
Symbol.............................HMD
Total Supply................250,000,000
Standard........................ERC-20
Face Value....................1 ETH= 1,600 HMD
Accepted Currencies...BTC, ETH, USD
Softcap.............................US$ 5,000,000
Hardcap...........................US$ 30,000,00

Bonuses (ETH/HMD)
First day 30%
Week 1................................20%
Week 2...............................15%
Week 3................................10%
Week 4 and After.......0%

Website: https://homelend.io/ (https://homelend.io/)

Whitepaper: https://homelend.io/files/Whitepaper.pdf (https://homelend.io/files/Whitepaper.pdf)

Telegram channel: https://t.me/HomelendPlatform (https://t.me/HomelendPlatform)

Facebook page: https://www.facebook.com/HMDHomelend/ (https://www.facebook.com/HMDHomelend/)

Twitter: https://twitter.com/HomelendHMD (https://twitter.com/HomelendHMD)

Feel free to ask any questions! ;)

Our token pre-sale is one the go!
And our bounty program will soon come out to light!
If this new revolution in the mortgage industry interests you- don't hesitate to join our social media and we would be more then happy to answer all your questions!

what have you got different about the others project about mortage?

how will it your platform works? will use Homelend blockchains?

In your website you said that you will change mortage industry, what are you going to do to get this?

I want to know if the presale starts alerady, what is the minimum invest and if i can invest on ETH or BTC in your project?

At last, a financial ICO different from the others. This is surely a niche worth investing, a project like this is bound to succeed.

Hi, in a few words, the platform is designed to enable a fast and reliable interaction between mortgage lenders, third parties involved in the mortgage origination and borrowers. It work under a crowdfunding mechanism that will enable individuals to fund/invest in mortgage loans, using smart contracts and fully automated blockchain protocols. In doing so, Homelend aims to disrupt the US$ 31 trillion  market, helping many people to get access to real estate financing.
I recommend you to read our whitepaper that could provide much more information about the Homelend project:  https://www.homelend.io/files/Whitepaper.pdf
 
 

We already started with the pre-sale and we are in a good track to complete it the near future. You can contribute during the pre-sale with cryptocurrency. Please be aware that the pre-sale is only for contributors in the amount of 50K an above.
 If you would like to hear more an get an offer please contact us in the following email contact@homelend.io 

mortgage project is one of the projects to gain profit quickly of course with easy working manner. what is the advantage of this project compared to other mortgage projects?

what are the differences between your project and the others project about mortage?

have you got a referral campaign for your project or don't you have it?

will you have low fees that other ones?

Are you planning to focus in a particular region? And will it be the primary market or the secondary market? With whom in the construction industry do you plan to enter into a partnership?

Today, only 1% of mortgage loans are processed entirely in a digital way. Besides, there is no operational crowdfunding platform for mortgages. Sure, you can find P2P lending platforms like Prosper and Lending Club, which cover microloans without collateral; but you can't finance your mortgage through those platforms. Homelend brings P2P lending to an area that, for several reasons, could not be addressed yet: mortgages. What made this possible was the blockchain revolution. Today, blockchain makes possible to create a shared database of digitalised mortgage files. Also, P2P lending and blockchain were made for each other. In a few words, Homelend will change the mortgage industry by getting borrowers and lenders closer to each other through a transparent and more efficient business platform.

Thanks for your question. Our go-to-market strategy is currently focused on Hong Kong and Mainland China. We have already an strategic alliance with a non-bank mortgage lender in Hong Kong.
Homelend will address the primary market, i.e. origination of mortgage loans. We are convinced, however, that sooner than later the secondary market and the MBS market will be also disrupted by blockchain, and of course we aim to be part of this revolution.

Indeed. We have a bounty campaign that will start very soon. We'll keep the community updated through our social channels and also in our website:https://homelend.io/

Most of the innovation regarding mortgage lending is focused on the digitization of the several stages of mortgage origination (application/underwriting/closing). Homelend, while also aiming at an end-to-end digital origination process, is more focused on tapping on the power of smart contracts, AI and neural networks to create sophisticated creditworthiness assessment systems. Our platform will pre-assess mortgage applications before loan investment opportunities are offered to potential lenders under a P2P/crowdlending framework. This is not currently done by any platform, at least to our knowledge.

Thanks for your comment and question. We think that the main advantage of the project is that it does not only focuses on the digitization aspect of mortgage origination, but also in the sophistication of the mortgage loan assessment and the flow of information and funds from borrowers to lenders. Blockchain technology will significantly information sharing and access for business processes where several actors are involved. Mortgage origination is one of such.

Our platform will be originally based on the Ethereum blockchain. It is envisaged that further on, a native chain will be also developed.

In a few words, our platform works in the following way:

1. A mortgage loan applicant feeds all relevant information (hard and soft) for the underwriting of the loan (assessment and appraisal).
2. A data analytics system powered by artificial intelligence, machine learning and neural networks, assess the application and pre-approves it (or not)
3. If pre-approved, the loan application is risk-rated and divided into "slices", that is, sub-units. For instance, a $250,000 loan can be divided into 25 $10,000 slices
4. The slices are offered to potential lenders as investment options.
5. Once all slices are funded by lenders (over a max period of 30 days), the loan is sent to digital closing.

Thanks for your question. Our pre-sale is strictly private and is open to accredited investors. If you are interested in more information, please send us a message through our website, and we can provide some information. We cannot guarantee here the availability of the investment opportunity as certain conditions are applicable to participate in the pre-sale.

Thanks for your observation. We appreciate your words. Indeed we are a FinTech company above anything else.

Blockchain technology will allow Homelend to lower mortgage origination costs. So yes, we project significant cost savings in comparison with a traditional mortgage application.