Financing Homes in Africa

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 houses are mostly purchased by those in the West African diaspora who wish to own a home in the country of their birth.

Our Model

USAHF has an exclusive agreement with Jobomax which has been in business since 2014. Jobomax markets, builds and sells high-quality homes in West Africa.

After Jobomax sells a home in West Africa, USAHF buys the proceeds (interest + principal) or receivable of the home finance contract. USAHF then distributes a portion of the finance charges to all investors on a quarterly basis. Historical, annual return to investors has been 9%*.

The Difference for Our Investors


High and predictable yield in a diversified portfolio of dollar-denominated loans. Historical, annual return to investors has been 9%*.


Our investment has excellent collateral (title does not pass to home buyer until contract is fully paid). Current portfolio Loan-to-Value (LTV) ratio is less than 60%.

Social Responsibility

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).


We offer an alternative investment that is appropriate for either an ordinary taxable or IRA (Individual Retirement Account) account.

* Historical, annual return since March, 2017. Past performance is no guarantee of future results.

Learn more.

Interested or just want to learn more? Feel free to reach out with any inquiries or to schedule a conversation. We'd be happy to provide you with the information you need to make an informed decision.