Traditional lending practices often fall short, as evidenced by the 2008 housing crisis, as well as the current state of the real estate market. To help the everyday American finance their dream home, one company has adopted a strategy that may be the very future of real estate loans. 

Anchor State Investments, led by CEO Christopher Aubin, offers a powerful solution through in-house financing.

Anchor State: Redefining Real Estate Financing

Aubin, a former Marine turned real estate mogul, founded Anchor State Investments with the mission to make homeownership accessible for all, especially those often overlooked by wider society, such as his fellow servicemen. The company’s strategy is an overarching one, combining property rehabilitation, financial education, and most notably, highly flexible capital options.

“We’re here to change lives by providing opportunities that traditional lenders often avoid,” Aubin states. “We aim to keep things hassle-free, quick, and fair. If you’re looking at rental property investment, exploring opportunities in fixer-upper projects, or embarking on new construction ventures, Anchor State’s got your back.“

Anchor State’s financing program is designed to offer fair, transparent lending options to those who may not qualify for the strict requirements of conventional mortgages. Providing competitive interest rates, flexible terms, and personalized financial counseling, the company hopes to revitalize homeownership as a concept itself.

Current Strategies and the Rise of In-House Financing

Traditionally, real estate purchases have been financed through banks, credit unions, and government-backed loans. However, these options often come with strict requirements, lengthy processes, and potentially predatory terms. In-house financing, on the other hand, offers a more streamlined and individualized option.

According to a recent study by the National Association of Realtors, in-house financing accounted for 12% of all real estate transactions in 2023, up from just 5% in 2020. This growth can be attributed to the increasing demand for flexible, accessible financing options.

“In-house financing is the future of real estate,” Aubin predicts. “By 2030, we expect it to be the primary financing method for at least 30% of all home purchases. Anchor State will lead the way.“

The Advantages of In-House Financing

In-house financing offers quite a number of benefits over traditional lending methods. First, in-house lenders can customize loan terms to fit individual needs, considering factors beyond just credit scores. Second, the application and approval process is often faster, as it’s handled directly by the real estate company. Third, in-house financing can provide opportunities for those with less-than-perfect credit or non-traditional income sources.

“Our goal is to say ‘yes’ when banks say ‘no,’” Aubin explains. “We believe everyone deserves a chance at homeownership, and in-house financing makes that possible.“

Anchor State’s in-house financing program has already made a significant impact. In 2023, the company financed over 150 home purchases, with an average interest rate 1.5% lower than the national average. Additionally, 90% of Anchor State’s in-house borrowers reported feeling more financially secure and empowered as homeowners.

With the affordable housing crisis impacting millions of families across the country, in-house financing is one of the most powerful solutions available to the average citizen. By 2025, the U.S. housing market is projected to need an additional 2.5 million affordable homes – many of which are financially out of reach for the average American.

“The future of real estate isn’t just in the hands of major developers,” Aubin concludes. “It has to be about people, about strengthening communities, and creating a path to financial freedom. That’s what in-house financing represents, and that’s what Anchor State is all about.“