Our Forgiveness Fellowship pays off student debt in exchange for your agreement to (1) live in an up-and-coming area for at least three years, (2) volunteer at least 120 hours of skills-based service annually, and (3) maintain a job.  In short, like the Habitat for Humanity model, we use “sweat equity” to  pay off financial obligations instead of cash.

If your credit score is 680 and you make at least $50,000 per year (can be less with a   cosigner) with a standard amount of debt, you’ll likely qualify. No down payment is required, but if you put money down   you’ll earn more profit.  You are also automatically enrolled into our Debt Forgiveness Fellowship.  Please note that these minimums will decrease as Third Estate’s Fund that subsidizes homeownership increases.

Absolutely!  Third Estate handles all the headaches that come with multifamily homeownership, but you (an owner in our Steppingstone Homeownership Program) get tax and other financial benefits.

Third Estate’s tools were designed by municipal lawyers.  Because they know how to cover municipalities’ backsides, they also are particularly good at pressing municipalities’ pain points.  Our algorithms do that quite well.

Third Estate’s analytic tools convert the work of one into the work of many.  They target slumlords, abandoned homes, measure gentrification, and more.  All to keep you on top of things.

As a charity, the New York State Attorney General is charged with ensuring a suitable charity steps into Third Estate’s shoes.  That charity will be subject to Third Estate’s strong contracts that protect your interests.