Too many of our friends and neighbors — people with good jobs and years of savings — still couldn’t afford a home that fit their lives. The problem wasn’t the house. It was the land underneath it, which in major markets can make up most of the price.

So we separated the two. Cedar buys the land, and you buy the home, cutting the price by up to 65%. You get lower down payments, lower monthly costs, and full freedom to live, renovate, and build equity, with the option to buy the land whenever you’re ready.

Our team brings together experience in real estate, finance, law, and technology to make that simple and safe. Home affordability is one of the defining problems of our time. We’re here to actually solve it.