The largest financial risk in your life has never been diversified.
70% of household net worth. One property. One ZIP code. Harry Markowitz solved this in 1952 for equities. Home Diversification solves it for the home you live in.
The typical American household holds 60–70% of its net worth in a single, undiversified asset: the home they live in. No professional
investor would accept that concentration in any other context. Home Diversified Solutions Corp. is building the tools to fix that — giving homeowners meaningful downside protection and giving lenders materially stronger risk-adjusted economics, while families keep full ownership and occupancy of their homes.
Every other financial risk in your life is diversified. Your home is not.
- Your Pension
Diversified across a broad range of investments.
- Your savings
Diversified across multiple financial accounts and assets.
- Your home
Concentrated in one property and one local housing market
Markowitz showed in 1952 that this is inefficient. Home Diversification is how you fix it.
- FOR EXISTING HOMEOWNERS
- FOR NEW BUYERS
- FOR EQUITY OWNERS
THE FOUNDATION
The most defensible quantitative claim in contemporary housing finance.
A New Approach to Residential Risk
Designed for Existing Homeowners
For Institutional Partners
THE RESEARCH
Home Diversification brings together recognized leaders in real estate finance, mortgage markets, risk management, and academic research. Our leadership team combines decades of industry experience with peer-reviewed scholarship to develop innovative solutions that address one of the most significant financial challenges facing homeowners today.
Biron & Siegel
Published August 8, 2026 in Chrisman Commentary and The Buffalo News
Available to institutional visitors on request
1M+
Freddie Mac loans modeled (1999–2020)
Expected annual credit loss conventional prime mortgage
Modeled expected annual credit loss under the GFC stress scenario
Modeled expected annual credit loss zero-down diversified mortgage
Modeled reduction in expected annual credit loss (5 bps vs. 29 bps)
TEAM & ADVISORS
The Experts Behind Home Diversification.
Home Diversification brings together recognized leaders in real estate finance, mortgage markets, risk management, and academic research. Our leadership team combines decades of industry experience with peer-reviewed scholarship to develop innovative solutions that address one of the most significant financial challenges facing homeowners today.
Home Diversified Solutions Corp.
Co-authored the peer-reviewed academic foundation for the Home Diversification platform, published in Real Estate Finance (Vol. 38, No. 3, 2022). Developed the proprietary credit risk model grounded in 1M+ Freddie Mac loans (1999–2020), including the full GFC stress period. Background in structured finance and consumer lending.
International Capital Markets.
DBA. Wall Street-trained background in structured finance and capital markets. Provides independent strategic assessment, institutional positioning, article co-authorship, and regulatory sequencing guidance. Not a financial advisor or investor. Serves in an independent advisory capacity only.
Everything You Need to Know.
Find answers to the most common questions about Home Diversification, Home Secure, Mortgage Solutions, and the research that supports our approach.
