US-Africa Housing Finance (USAHF) is an American company that delivers attractive, market-rate returns by purchasing home finance contracts and distributing the interest to investors. The home finance contracts are all US dollar-denominated and backed by high-quality homes in West Africa. The homes are purchased by West African diaspora (living in the US or Western Europe) who wish to own a home in the country of their birth.

virtuous cycle

USAHF has an exclusive agreement with American Homebuilders of West Africa (AHWA) which has been in business since 2014. AHWA markets, builds and sells high-quality homes in West Africa. 

After AHWA sells a home in West Africa, USAHF buys the proceeds (interest + principal) of the home finance contract. USAHF then distributes a portion of the finance charges to all investors on a quarterly basis.

USAHF attracts investors that seek:

  • High and predictable yield in a diversified portfolio of dollar-denominated loans
  • Excellent collateral (title does not pass to home buyer until contract is fully paid). Current portfolio Loan-to-Value (LTV) ratio is approximately 60%
  • A socially responsible investment that is helping thousands of people (both the diaspora who purchase the homes and the people employed in Africa that build the homes)
  • An alternative investment that is appropriate for both an IRA (Individual Retirement Account) or non-retirement account