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about us

1797 is a company committed to realizing  shared economic prosperity, instead of economic benefits being skewed to a few at the expense of others.

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We do this by co-developing, building and operating housing finance institutions and ecosystems with partners, in non-USA markets, using the traditional Danish Mortgage Model as its North Star.  We create funding for mortgage loans that is stable.  To ensure this we establish a feedback loop of benefits must accrue to all stakeholders, such as homeowners, investors, lenders, real estate developers and government. 
 

Business Meeting
Business Meeting
Image by Hans-Peter Gauster
guiding principles

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“The Wright brothers didn’t contemplate the staying on the ground of things. Alexander Graham Bell didn’t contemplate the noncommunication of things. Thomas Edison didn’t contemplate the darkness of things. In order to float an idea into your reality, you must be willing to do a somersault into the unconceivable and land on your feet, contemplating what you want instead of what you don’t have.”
– Dr. Wayne W. Dyer
 



"Coming together is a beginning. Keeping together is progress. Working together is success."

– Henry Ford

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What do we do? for markets outside of the United States

we provide advisory, co-development and support services

1. Build, operate and transfer a profitable customized platform that provides liquidity for mortgages

2. Empower domestic employees.

3.  Cultivate a supportive ecosystem

how we do it?

creating the vision

  • Introduce Danish system including a visit to Denmark and to subject country 
  • Demand and supply analysis / define requirements
  • Map stakeholders
  • Build a common understanding and vision

status quo & gap analysis

co-development & implementation
 

verification of market fit
 

maintenance & continuous improvement
 

  • Analyze market / country
  • Determine requisites for successful implementation
  • Create detailed plan of iterative implementation process
  • IT platform developed
  • Develop infrastructure to issue bonds
  • Issue bonds
  • First mortgage loan issued
  • Company is up and running
  • Analyze and determine  mitigation strategies for potential future challenges for the company
  • The company begins to operate independently
  • Communication and consulting will be conducted based on going depending on needs

Expertise to address unforeseen complications in challenging environment.

  •  Despite significant challenges, Increased market share from 0% to 40% / $ 5.5 USD billion

  • •HiTo obtained a Fitch rating ‘AAFC2(mex)’

why us?

expertise in challenging environments 

largest issuer mortgage bonds

25+ years of proven ability to create tremendous value from start up phase to becoming market leader

  • Built mortgage liquidity platform from scratch to 45% market share of  mortgages in Denmark

  • Largest provider of  residential mortgages

  • Largest issuer of residential mortgage bonds  attracting institutional investors, 40% of which are international institutional investors.

start up
to market leader

45% market share

expertise in challenging environments 

regulatory expertise

start up
to market leader

largest issuer mortgage bonds

Capabilities  to construct a more favorable ecosystem  to best enable the customized platform to thrive

  • Established the first electronic Central Depository Institution for securities in the world—VP Securities

  • Deep regulatory experience

  • Well regarded by Danish institutions

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45% market
share

regulatory expertise

leadership
Coming from different countries, cultures, life experiences, we joined together based on shared ideals and a strong belief the there has got to be better way to  fundamentally provide long term stability for families and for society.     We believe none of us have to remain in unsettled anxiety of “this is just the way it is”.     We believe each one us can be a doer building a better way to benefit all of us.  We believe that every family with steady income can feel secure in having access to financing that best serves them and fulfills their dream of owning their home.  We believe financial institutions, government, investors, and borrowers do not have to be at odds with each other.  We believe all of us together can build an ecosystem that provides beneficial experiences to those all the participants to support and maintain it.   We believe the Danish Mortgage Model System can serve as “North Star” to custom build, not transplant, a mortgage ecosystem to suit each society for the benefit of that society and the prosperity of the he individuals within it.   This  is what drives us. 
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