Build your blueprint to homeownership

See your full money picture in real-time, in one place

Simulate how changes in your finances can hurt or help your credit score

Report positive rental payments to TransUnion to help improve your credit profile

Find properties and save them to your financial profile to determine affordability

Keep your personal financial documents in a secure digital locker for easy organization and sharing with your real estate team

The algorithm uses your app activity to rate your chances of mortgage approval

Personal finance blueprints recommend resources and actions to help you build wealth from scratch.

Community Banking

For

The Next 100 Years

Community Banking For The Next 100 Years

From the start, On Our Block has been rooted in service to the communities where we live, work, and play

“The first real estate is in your mind.”

Malik Yoba, Founder & CEO of Yoba Development, speaking at an On Our Block: St. Louis pop-up.

“We can continue to make progress.”

Keisha Sutton James, Deputy Manhattan BORO president, speaking at an On Our Block: Harlem pop-up.

FICO scores your life. Mobility Coin rewards it

Mobility Coins earn value from positive financial behavior in the On Our Block app that can be converted into rewards and perks within the On Our Block community.

  • On Our Block® by MoCaFi is a financial platform designed to help everyday people build wealth through homeownership. It provides tools for wealth education, personalized financial blueprints, and technology to guide first-time buyers through the journey from renting to mortgage approval

  • The platform is built for renters who aspire to buy their first home, particularly in the $100K–$200K price range. It’s also valuable for FHA lenders and financial institutions seeking efficient, data-driven ways to serve these communities

  • The app offers a step-by-step homeownership readiness program that includes:

    • Tracking credit with Credit Compass™ by TransUnion

    • Reporting rent payments to boost credit scores

    • Viewing all your accounts in one place

    • Accessing monthly financial blueprints personalized to your progress
      These tools work together to build a stronger financial profile for mortgage qualification

  • A Homeownership Snapshot is a personalized financial roadmap generated from your app activity. It includes your readiness score, spending and saving trends, and clear next steps to achieve mortgage approval.

  • Rent reporting allows members to add on-time rent payments to their credit reports through TransUnion, helping to improve credit scores and demonstrate payment reliability to lenders

  • On Our Block® offers tiered partnership models that include brand activations, data insights, and customer funnel reports. Partners gain measurable impact through community activation, behavioral analytics, and pre-qualified leads — aligning with CRA and social impact goals

  • For lenders, the platform provides high-quality, data-backed FHA mortgage leads using AI-driven diagnostics. It helps identify ready-to-convert borrowers, improve CRA alignment, and build brand trust in underserved markets

On Our Block Membership

Free

Full access to the On Our Block app

Free learning library + community

Option to upgrade to On Our Block Plus at any time

Plus — $5/month

Everything in the Free Membership tier

Rent payment reporting to TransUnion 

Personalized Monthly Financial Blueprint

Access to partner rewards and perks

Earn points toward closing cost assistance

Sign Up