Cornerstone Financing has shared an update. The company highlights worsening structural housing affordability challenges in the U.S., citing CNBC, NAR, and Federal Reserve data indicating record home prices, elevated mortgage rates, down payments approaching 40% of annual income, and an average first-time homebuyer age nearing 40. Cornerstone notes that intergenerational support is increasingly important for first-time buyers, but traditional approaches—such as parents or grandparents selling assets, altering retirement plans, or taking on new leverage—create additional financial risk.
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In response, the company promotes its CHEIFS® product as a way for households to convert home equity into liquidity without incurring new debt, monthly payments, or altering the first mortgage. For investors, this positions Cornerstone Financing to potentially benefit from a growing, structurally supported demand for alternative home-financing and equity-access solutions. If CHEIFS® can be scaled while managing underwriting risk and regulatory scrutiny, the model could open a sizable addressable market among equity-rich but cash-constrained homeowners seeking to assist younger generations. However, financial outcomes will depend on factors such as product uptake, pricing, default and recovery dynamics, macroeconomic conditions in the housing market, and the competitive landscape for home-equity and shared-equity products. The communication underscores Cornerstone’s attempt to differentiate itself within the housing finance ecosystem by targeting intergenerational wealth transfer and modern financial planning use cases rather than traditional mortgage expansion.