Do I own my home?

Yes! You own your home for 99 years while Native Land Holdings (or one of our partners) owns the Residual value - the period after the Leasehold runs out.

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What is a Leasehold?

Leasehold title is an alternative to Fee Simple title (the most common ownership structure) whereby ownership is for a predetermined period of time.

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How long is the Leasehold period?

99 years (the maximum allowable by United States law)​

 

What happens at the end of 99 years?

You, or the current owner, purchases the residual value back .​

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Can I get a mortgage to purchase or refinance my home?

Yes. Native Land Holdings works with a number of lenders that will finance the purchase or refinancing of your home.

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What type of buyer is a Leasehold most suitable for?

A Leasehold is beneficial if you do not plan for this to be your "forever home."

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Can I sell my home?

Yes. You may sell your home at any time at your discretion and the Leasehold obligations transfer to the new owner.

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If my home appreciates in value, do I get to keep the money?

Yes! Appreciation in your home's value is yours to keep.

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How much is the Leasehold payment?

This is determined on a home-by-home basis. The Leasehold payment is flat for five years and then increases at the Consumer Price Index (with a maximum annual increase of 5% and, in some cases, a minimum annual increase). 

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Are there any restrictions as a Leasehold owner?

No. You may enjoy your home and property how you wish.

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Is this done elsewhere?

Sure is! While not yet common in many American markets, it is common in Hawaii, many European and Asian cities, and in commercial real estate.

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Who owns the Residual (the period after 99 years)?

Native Land Company or one of our partners will own the Residual.

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What happens if the owner of the residual sells their interest?

Nothing changes! You will continue to enjoy your home for as long as you own it.

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