John V. Benson, a veteran of real estate since 1978, returned from retirement after personal tragedy and systemic injustice in the foreclosure system inspired the blueprint for LPGP.
Laid the groundwork for what would become the most advanced, borrower-friendly, lender-guaranteed home finance model in history.
2017–2018: Concept to Code
HomeMatrixx was formed.
Collaborated with leading fintech engineers, including Blaine Glynn (formerly of Fiserv, Wells Fargo, DHS), to begin developing proprietary automation systems that calculate 30M+ variables per loan.
Secured trade secret protection and began preliminary case studies with servicers and distressed borrowers.
2019–2020: Early Market Tests
Conducted simulations on hundreds of real NPL scenarios; validated that LPGP consistently:
Turned delinquent loans into reperforming within days
Increased net yield by 2–4%
Avoided foreclosure 100% of the time
Built the equity-exchange model—offering homeowners dignity and lenders security.
2021–2022: Pandemic Proof
During COVID-19’s delinquency surge (8.22% of U.S. home loans), LPGP prototypes proved resilient, preventing losses for small lenders and helping families stay in homes.
Delivered one of the first real-time “Cure Before Default” platforms in mortgage servicing history.
2023: Final Optimization & Market Readiness
Introduced the Customer Profile Score™ (CPS) and Infinity Relationship Client™ (IRC) model.
Perfected the equity-sharing mechanism, allowing the transfer of future equity into current performance—solving liquidity and risk in one system.
Tested a full-stack SPV Trust flow with a 3% origination/uploading model plus equity and performance bonuses.
2024: National Launch
February 4, 2024: Official launch of LPGP™ by HomeMatrixx.
Partnered with MSRs, investors, and technology integrators.
Promoted as an FHFA-compliant foreclosure alternative, securitization enhancement tool, and homeowner dignity platform.
Gained media attention for transforming a $500B+ NPL crisis into a new asset class
