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Introducing Estately Land Lease — buy the home, lease the land, and save up to 15% on initial monthly payments and up to 35% on your down payment.

Neighborhood, City, School...

What is Estately Land Lease?

Buy the home, lease the land, breathe easy

You've done the work - saved, planned, and chosen the neighborhood. But rising home prices have changed the equation.

With Estately Land Lease, you own the home while we purchase and lease you the land, lowering your initial monthly payments and, for many homebuyers, reducing your required down payment as well.

Currently available in Colorado.

Happy family in front of their home showcasing the benefits of Estately Land Lease program

Making Homeownership Attainable

See how Estately helps with what matters to you

Max Buying PowerLower Monthly Costs

For the same monthly payment - see how Estately unlocks your buying power

With typical loan

With Estately Land Lease

By buying only the home and leasing the land, you can increase your purchasing power by

*These are estimates. Default inputs are based on recent market data and do not reflect actual terms. Visit the Affordability Calculator to learn more.

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How Estately Land Lease Works

A smarter path to homeownership

Diagram showing a homebuyer buying the house, leasing land from Estately, and Estately buying the land

Buy the home, lease the land

Estately purchases the land and leases it to you, lowering your mortgage loan size and upfront costs.

Lower monthly payments

Leasing the land (instead of financing it) can help lower your initial monthly payments up to 15% and lower your downpayment by up to 35% and make homeownership more manageable.

Keep your options open

Purchase the land, refinance your mortgage, or sell the home and land together at any time - all while building equity.

How Estately Land Lease Works

Owning with Estately

We keep it simple with a few steps

Step 1
Get pre-qualified
Get pre-qualified with a participating mortgage lender and confirm a budget that works for you.
Step 2
Find Your Dream Home
Explore neighborhoods, find a qualified property, and purchase the home with your approved financing while leasing the land through Estately.
Step 3
One Payment, More Flexibility
Move in and make one simple monthly payment covering your mortgage and land lease, while keeping your future options open.

Get Started

Why Estately?

Your Partner in Homeownership

Buy with confidence, enjoy lower monthly payments, and have full control.

More buying power
- Expand your home options
  Lower initial monthly payments can help broaden the range of homes that fit within your budget.
- Keep monthly costs manageable
  Access homes at higher price points while maintaining lower initial monthly payments and potentially reducing your required down payment.
Affordability Calculator
More money in your pocket
- Experience lower payments
  Own the home and lease the land to lower your initial monthly payments by up to 15% and reduce your required down payment by up to 35%.*
- Use your savings where it matters most
  Put the savings toward the things that matter most to you - paying down debt, building savings, investing, or everyday expenses.
- Benefit from property appreciation
  If you choose to sell your home, you keep any property appreciation above the land's CPI-based inflation adjustment.
You're in the driver's seat
Buy the land from Estately with transparent pricing, refinance your mortgage when rates improve, or sell the home and land together to maximize sale value.
Own your home your way
Although Estately owns the land, you have the freedom to make the home your own - build a fence, grow a garden, make improvements, and more.

You remain in control, with the flexibility to personalize your property while Estately serves as a long-term land partner.
No hidden fees or surprises
We believe homeownership should feel straightforward and manageable. Estately provides transparent pricing and clear information to help you understand your options with confidence.
How Our Land Lease Works

Estately Land Lease is available in Colorado - and we are expanding!
Sign up now to get updates and stay informed.

Common questions about Estately Land Lease

Explore our frequently asked questions to learn more about how Estately can help you achieve your dream of owning a home.

Help Center

What is Estately all about?

What is the Estately Land Lease program?

Is Estately a non-profit?

Is Estately a brokerage firm?

What’s the point of the Estately Land Lease program?

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Where is Estately?

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* Estately is not a mortgage lender. With the Estately Land Lease Program, Estately buys the land and you buy the home (otherwise known as the “improvements on land”). You rent the land from Estately through a land lease, while financing your purchase of the home with a loan from a participating third-party mortgage lender. Savings estimates are based on comparing the down payment and monthly payment obligation for a typical mortgage (where you finance the purchase of both the land and the home together) to the down payment and combined land lease/mortgage monthly payment with the Estately Land Lease Program. Under the Estately Land Lease Program you will not initially own the land and the mortgage loan will be smaller in amount than in a typical transaction because the mortgage finances only your acquisition of the home. Estately is not a mortgage lender. You should consult with a participating third-party mortgage lender to obtain information about loan costs, terms, and conditions.

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