Designed for home buyers by real estate experts.
Buying a home is harder than
it has been in a generation.
We need to put more money down than we planned to make the numbers work.
Your down payment is a journey.
Where you save it matters.
Why do home buyers choose Tellus?
Superior saving power.
Features that make the difference.
Earn 3.85%–5.50% APY with daily compounding interest
Tellus is 100% free to use
Interest arrives in your account daily
No crypto or stock exposure
Tellus does not invest in market securities of any kind
Move when you need to
No credit check
Start earning in 3 minutes or less
Get more from your savings app.
Your savings, powered by real estate.
Every dollar Tellus lends is backed by high quality, prime residential real estate with title recorded and deed delivered to Tellus.
We target loan-to-value collateralization ratios of 80% or less to protect our balance sheet.
We hold capital reserves proportional to every dollar deposited to provide an additional liquidity buffer for our depositors.
Each deposit is a liability held on our balance sheet – not subject to performance of any single loan.
Enjoy peace of mind with bank-level AES 256 encryption supported by industry-leading partners and a US-based treasury and risk management practice.
Learn more about our Triple Layer Protection framework.
Frequently Asked Questions
What is Tellus?
Tellus is on a mission to unlock the power and durability of real estate to enable everyone to save for home purchase and reach their financial goals with the highest levels of access, simplicity, transparency and trust.