An AFFORDABLE Mortgage
Homeownership is NOT out of reach — it simply needs innovation.
That’s why we built BurkeyLoan™, a first-of-its-kind mortgage model for qualified firsttime buyers:
*FIXED RATE 30-year MORTGAGE
*NO MONEY DOWN – NO PMI
* Roll student-loan into the mortgage
* Roll consumer debt into the mortgage
* Finance up to 120% LTV (no PMI)
BurkeyLoan EquityBridge
(friends & family can help without writing a check)
BurkeyLoan lifeRefresh
(non-punitive solutions for life events)
* Build equity sooner instead of being stuck renting
* Access a path that traditional lenders simply can’t offer
* Lower monthly payments through smarter blended-rate pricing
What is BurkeyLoan
BurkeyLoan is an innovative method and process of home financing for a new generation and beyond
NO MONEY DOWN – NO PMI
How It Works
The principal feature of the BurkeyLoan is a risk-averse structure providing qualified borrowers the ability to have student loans and other debt paid off. The “paid off” amount is included in a purchase mortgage up to 120% of the purchased home value. In addition to home value, we can use guarantees and pledged collateral to secure the mortgage.
“Life Refresh” suite of exclusive features & benefits
NO MONEY DOWN – NO PMI
BurkeyLoan
Features & Services
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No Money Down
& No PMI
Keep our money to buy furniture, lawn equipmet and to make your mortgage payments.
Pay-off Student Loan & Consumer Debt
Your first home purchase should be a fresh start
BurkeyLoan
EquityBridge
A generational wealth transfer tool for freinds, family & others
Life Refresh
& Equity Draw
Life Refresh is for times when life happens …. EquityDraw is a tool for immediate access to home equity in the years to come.
BurkeyLoan is Portable
BurkeyLoan borrowers can quickly get a new BurkeyLoan for employment and family related relocations.
BurkeyLoan Realty
BurkeyLoan will offer a low to no cost real estate brokerage for borrowers
Compare BurkeyLoan vs Bank Mortgage
BurkeyLoan Is A New Mortgage For A New Generation
BurkeyLoan is More Affordable
Affordable – “Live Life For Less”
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BurkeyLoan is 23% less than bank
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Note: BurkeyLoan™ mortgage rolls in (and pays off) student loan and consumer debt. Bank mortgage is for home purchase only. Student loan and consumer payments must still be paid monthly Assumptions: both mortgages are 30-yr fixed-rate at 6.25% based on a home price of $400,000. The total student loan debt for the borrowers is $70k (based of balance of $35k each at 6.8% for 10-year term). Consumer debt is $10k total (5-yr pay-off at 22%). BurkeyLoan mortgage includes a $-0- down payment, Bank mortgage down payment can be as low as 3% and some lenders offer as low as 1%, but only loan money for the home purchase. Home insurance (.8% annually) and property tax (1.1% annually) are the same for both examples. BurkeyLoan does NOT add PMI or require (private mortgage insurance) to its mortgage. The Bank mortgage includes a PMI fee (1.25% of mortgage balance annually), paid monthly and added to monthly payment. BurkeyLoan™ pay-offs requires TBD DOE/UST and or Burkeyloan EquityBridge™ reinstatement program(s) upon terminal default . BurkeyLoan includes LifeRefresh™ and EquityDraw™ benefit. DTI at 120% LTV can rise to 55% with top tier behavioral and traditional credit and 6+ reserve. BurkeyLoan has programs for credit as low as 600.
BurkeyLoan Mortgage
A New Mortgage System For A New Generation
Coming Spring 2026
Frequently Asked Questions
Who Can Apply For A BurkeyLoan?
Home buyers with student loans and other debt. Prospective BurkeyLoan applicants must have the credit, capital (income), and character to qualify for the mortgage loan and are destined to be successful wage earners with low credit risk. The Company imposes specific “skin-in-the-game” underwriting requirements that mitigate the default risk.
How Do BurkeyLoan Rates Compare?
The best comparison is your total monthly payment. BurkeyLoans DO NOT require mortgage insurance. Typically, borrowers making a down payment of less than 20 percent of the purchase price of the home will need to pay for mortgage insurance. Mortgage insurance lowers the risk to the lender and the annual cost can be anywhere from .50% to 2.00% of the loan principal. This amount is then added every year to your monthly payments. BurkeyLoans do not require mortgage insurance.
The Features and Benefits of a BurkeyLoan?
Features that provide benefits to borrowers and further mitigate the risk of default include: “Life Refresh”, an industry exclusive feature that defers (think forbearance tools) monthly payments upon the occurrence of life events, such as, adopting or having a baby, involuntary unemployment, divorce, as well as events defined by the Family and Medical Leave Act (FMLA). Other features include: • Up to two borrowers per mortgage, must be borrower’s primary residence. • Substitute borrower program to accommodate divorce, dissolved relationship. and other separations. Must remain primary residence. • Portability: Enable borrowers to relocate for job opportunities or family care reasons. • Equity Draw: Mechanism which provides borrowers the ability to periodically draw from home equity in a systematic way, as the home value increases relative to the loan balance.
Why Are Investors Attracted To The BurkeyLoan
The BurkeyLoan method and process increase the borrowers’ buying power by replacing student loans and other debt with more favorable long-term mortgages. The loan structure provides transparency and aligns risk with investor tolerance. The structure eliminates the need for mortgage insurance and provides a suite of default mitigation tools that enhance investor returns. The loans also bypass the costs associated with traditional layers of mortgage aggregators and mortgage bankers, further increasing investor returns. BurkeyLoan® HOTS (Home Ownership Tranche Shares) are shares of real estate investment trusts (REITs) that own BurkeyLoan mortgages. The Company intends that the investment shares will qualify as REITs according to IRS Code.
When Will The BurkeyLoan Be Available
The new BurkeyLoan mortgage is coming in Spring 2026. The parent company is partnering with digital technology leaders to build out the BurkeyLoan platform. Once licensed the company’s platform will allow prospective homeowners and brokers to rapidly process applications.
Rent vs Buy? Student Debt – Pay Off vs Repay Plan
What Are the Choices?
1. Rent and Income-Driven Repayment Plan (IDRP)
2. Buy a Home and Income-Driven Repayment Plan (IDRP)
3. Buy a Home and Pay Off Student Loan Debt with BurkeyLoan®.
Consequences of Rent vs Buy Decisions
Consequence of Choices
1. Rent and Income-Driven Student loan Repayment Plan (IDRP)-will result in higher annual rent and contnued IDRP payments for up to 25 years
2. Buy Home and Income-Driven Repayment Plan (IDRP)-Homeownership, high upfront amounts, IDRP payments
3. BurkeyLoan®- Buy Home and Pay Off Student Loan Debt-Homeownership and fixed monthly payment.
BurkeyLoan Contact
Learn More About The Company and BurkeyLoan Exchange –