The study highlights that the national backlog has reached 8.25 million units, projected to triple by 2040 if left unaddressed. It argues that the problem is not only a lack of supply but a crisis of access, as most Filipinos remain excluded from financing and information systems that were designed for a different economic reality.

Lhoopa’s blueprint proposes three shifts: treating land as access infrastructure, empowering local frontliners with digital tools, and simplifying the homeownership journey through inclusive financing and information systems.

“These ideas align with ongoing government reforms and show how technology allows us to solve old problems differently,” said Marc-Olivier Caillot, Co-Founder and CEO of Lhoopa. “By combining adaptive policy, real-time data, mobile technology, and trusted local delivery networks, we can connect the right land, people, and financing faster and more transparently. The goal is not just to build more homes, but to build a system where homeownership becomes a realistic path for every working family.”

The white paper points to growing government momentum through programs like Expanded 4PH and the digitization of Pag-IBIG services, and calls for deeper coordination between the public and private sectors.

Lhoopa’s own technology ecosystem connects brokers, contractors, and developers nationwide, cutting project turnover time by half compared to industry standards.

Caillot added, “We have seen firsthand how data and technology can shorten the path to homeownership for families who were once excluded from the system. The challenge now is to make these gains work at scale. By bringing together public and private systems, we can transform the housing backlog into an opportunity for economic growth and social mobility.”

“From Backlog to Breakthrough: New Blueprints for Unlocking Housing Access” is available for download at http://lhoopa.com/2025-report.

Making Homeownership Accessible at Scale

Lhoopa was founded in 2018 with a clear and vital mission: to streamline through technology the entire property journey, from acquisition to move-in, so homeownership becomes accessible to underserved communities at scale. “This mission guides our work every day, as we address the core challenges faced by aspiring homeowners,” said CEO and Co-Founder Marco Caillot. 

Lhoopa's end-to-end model combines AI-powered land assessment and real-time supply-demand matching tools together with a growing network of decentralized partner contractors, brokers, and agents working on-ground. Through Lhoopa’s mobile applications, partners can access a suite of features to easily track and manage property listings, oversee construction progress, and monitor legal documentation and payments, just to name a few. Upon purchase, buyers are also assisted with their loan applications, closing the loop on an innovative system that drives efficiency while enabling scale where it's needed most: affordable housing.

“Our technology and network bring together available properties, accessible financing options, and user-friendly tools that simplify each step of the homeownership process,” Caillot added. “People need a straightforward and practical way to buy a home that doesn't leave them guessing or overwhelmed. Lhoopa is here to support them through this journey from start to finish.”

Building an Inclusive Housing Ecosystem

Jennifer, a church caretaker, now lives in her own home in Cabanatuan with her family.

Massage therapists Mario and Yhang finally found their home in Laguna through Lhoopa. 

The average Lhoopa homebuyer has a monthly income of PHP 20,000 (about USD 350), a segment not fully served by traditional real estate systems. Lhoopa's impact is best seen in people like Mario and Yhang, both visually impaired massage therapists who recently bought their first home in Laguna, and Jennifer, a church caretaker who now lives with her family in their Cabanatuan home. “Malaking bagay yun samin na magkaroon ng sariling bahay [It’s a big deal for us to own a home],” Jennifer shared. “Talagang masasabi mong maiinvest mo sa pamilya mo, mabibigay mo sa anak mo [This is an investment for your family, something you can pass on to your children].” These are just some of the stories that reflect Lhoopa's firm commitment to homeownership for the underserved.

“We’re committed to building a more inclusive housing ecosystem, where more families can say, 'This home is ours’," Caillot highlighted. “Our focus now is to scale: continue enhancing our platform and expanding our network of local partners to further bridge the housing backlog, while helping more and more families access safe, quality, and affordable homeownership.”