Your journey, is our commitment. And our commitment is to your homeownership and financial stability. As a result, MiiX Financial developed the MiiX R.O.C. which is the Nation’s new standard in home and personal financing. Along with the expected financial benefits, the MiiX R.O.C. also safeguards homeownership and personal finances from the unpredictability of other markets. MiiX Financial firmly believes that a home or the ability to afford a home and life’s essentials should never be dependent upon nor in the crossfire of stocks, bonds or other external influences. Your home is sacred and it is our pledge to pave the way to permanent homeownership and long-term financial stability for every individual and family – at any income level. MiiX Financial is committed to reversing the many years of systematic mortgage rejections because of unfair and unrealistic qualification criteria. We invests in the value of our clients and their homes – the way it should be. And with the MiiX R.O.C., we are accomplishing what we have set-out to do.

The MiiX R.O.C. (Residential Ownership Certificate) is an electronic book-entry form of affordable, permanent and long-term home and personal financing.  It works similarly to the system used in the US stock and bond markets where the end-product (a US Treasury Bond – for example) is electronically generated and then also sold, traded and recorded electronically.  Similarly to this format, the MiiX R.O.C. utilizes a series of proprietary algorithms along with time-tested and proven methods to electronically generate financing which is solely based upon two primary assets: (1.) the home, and (2.) the applicant (their debt, income and future potential).  Once a MiiX R.O.C. eApplication is submitted, approved and the MiiX R.O.O.C. is activated, it is regularly updated and adjusted for the life of the MiiX R.O.C. and the applicant. This is also how we eliminate discriminatory “credit scoring”.  As a result, the MiiX R.O.C. is a one-time for a lifetime eApplication process.  Applying for and managing a MiiX R.O.C. is as simple as logging into any online banking or investment account on a computer, tablet or smart phone APP.  This ease of access also allows for the complete control and management of all personal and regular monthly expenses which can be integrated directly into the long term MiiX R.O.C. home financing which lowers monthly costs and increases savings exponentially.

MiiX Financial and the MiiX R.O.C. (Residential Ownership Certificate) bring products and services never before offered to the general public. Our primary differences are:

• We are the only $0 money down home financing that does not require a credit score or money out-of-pocket.
• We are the only home financing product that allows you to include your essential monthly living expenses into your long-term home financing.
• We will assist in paying for your home and essential monthly living expenses if you get into short term financial trouble.
• We are the only organization that will never evict or foreclose on you if you default on your home financing. Rather, we will help you move and relocate and assist with moving expenses until you get back on your feet.
• If you are a renter because it suits your short-term needs, you no longer need to throw away money on rent.  We turn your rent payments into equity because a MiiX R.O.C. is assignable and transferrable faster, easier and more affordably than applying for or putting-down deposits on a new lease.
• Investments in MiiX R.O.C.s are 150% secured. They provide a consistently higher ROI than any bond or the S&P. They are market-volatility proof and offer dividends and even a maturity coupon at the expiry of each MiiX R.O.C..
• We do not have a need for underwriting nor the costs and fees associated with underwriting as we do not depend on multiple servicers or institutions to generate financing.

Among other reasons, these are just a few.