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  <xs:element id="open_FinishedGoodsAbstract" abstract="true" name="FinishedGoodsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="open_ClassOfWarrantsAndRightsRedemptionPricePerShare" abstract="false" name="ClassOfWarrantsAndRightsRedemptionPricePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="open_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsShareIssuedWeightedAverageExercisePrice" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsShareIssuedWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="open_MarketingWarrantsMember" abstract="true" name="MarketingWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_TermDebtFacility2021S2Member" abstract="true" name="TermDebtFacility2021S2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_A2020PlanMember" abstract="true" name="A2020PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_FairValueDisclosuresTableTextBlock" abstract="false" name="FairValueDisclosuresTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="open_BusinessDescriptionPolicyTextBlock" abstract="false" name="BusinessDescriptionPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="open_ClassOfWarrantOrRightTradingDayPeriodUsedToDetermineReferenceValueOnTheLastReportedSalesPriceOfCommonStock" abstract="false" name="ClassOfWarrantOrRightTradingDayPeriodUsedToDetermineReferenceValueOnTheLastReportedSalesPriceOfCommonStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="open_ClassOfWarrantOrRightExercisePeriodAfterClosingOfInitialPublicOffering" abstract="false" name="ClassOfWarrantOrRightExercisePeriodAfterClosingOfInitialPublicOffering" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="open_NumberOfSharesAllowedPerPurchasePeriodPerOfferingPeriod" abstract="false" name="NumberOfSharesAllowedPerPurchasePeriodPerOfferingPeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="open_ShareBasedPaymentArrangementNumberOfAwardsWithSatisfiedMarketConditions" abstract="false" name="ShareBasedPaymentArrangementNumberOfAwardsWithSatisfiedMarketConditions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="open_PublicAndSponsorWarrantsPolicyPolicyTextBlock" abstract="false" name="PublicAndSponsorWarrantsPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="open_AccountsPayableAndOtherAccruedExpensesMember" abstract="true" name="AccountsPayableAndOtherAccruedExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_SoftwareImplementationCostsMember" abstract="true" name="SoftwareImplementationCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_EscrowReceivablePolicyTextBlock" abstract="false" name="EscrowReceivablePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="open_StockIssuedDuringPeriodSharesSettlementOfRestrictedStockUnitsNetOfSharesWithheldForTaxes" abstract="false" name="StockIssuedDuringPeriodSharesSettlementOfRestrictedStockUnitsNetOfSharesWithheldForTaxes" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="open_MultipleTermLoanFacilitiesMember" abstract="true" name="MultipleTermLoanFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_TermDebtFacility2020M1Member" abstract="true" name="TermDebtFacility2020M1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_TermDebtFacility2021S1Member" abstract="true" name="TermDebtFacility2021S1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_ProcomMember" abstract="true" name="ProcomMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_OptionIndexedToIssuersEquityCapPricePremium" abstract="false" name="OptionIndexedToIssuersEquityCapPricePremium" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="open_NonMarketableSecurityUnrealizedGainLoss" abstract="false" name="NonMarketableSecurityUnrealizedGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_UnvestedStockOptionsAndRestrictedSharesMember" abstract="true" name="UnvestedStockOptionsAndRestrictedSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_BasisOfPresentationAndPrinciplesOfConsolidationPolicyTextBlock" abstract="false" name="BasisOfPresentationAndPrinciplesOfConsolidationPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="open_CashCashEquivalentsAndMarketableSecurities" abstract="false" name="CashCashEquivalentsAndMarketableSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_BusinessCombinationConsiderationTransferredDeferredPaymentPeriod" abstract="false" name="BusinessCombinationConsiderationTransferredDeferredPaymentPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="open_CarrieWheelerMember" abstract="true" name="CarrieWheelerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="open_NumberOfCommonStockSharesPerIPOUnit" abstract="false" name="NumberOfCommonStockSharesPerIPOUnit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="open_BusinessCombinationConsiderationTransferredDeferredPaymentAmount" abstract="false" name="BusinessCombinationConsiderationTransferredDeferredPaymentAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_RevolvingFacility20183Member" abstract="true" name="RevolvingFacility20183Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_LesseeOperatingLeaseLiabilityToBePaidIncreaseDecrease" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidIncreaseDecrease" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_PrivateWarrantsMember" abstract="true" name="PrivateWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_DebtSecuritiesAvailableForSaleCashAndCashEquivalents" abstract="false" name="DebtSecuritiesAvailableForSaleCashAndCashEquivalents" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_IncreaseToAmountOfStockAvailableUnderPlanTotalNumberOfSharesOfCommonStockOutstandingPercentage" abstract="false" name="IncreaseToAmountOfStockAvailableUnderPlanTotalNumberOfSharesOfCommonStockOutstandingPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="open_AssetBackedSeniorTermDebtFacilityMember" abstract="true" name="AssetBackedSeniorTermDebtFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="open_IncentiveStockOptionsMember" abstract="true" name="IncentiveStockOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_PublicOfferingAndOverAllotmentOptionMember" abstract="true" name="PublicOfferingAndOverAllotmentOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_SocialCapitalHedosophiaHoldingsCorpIIIPOMember" abstract="true" name="SocialCapitalHedosophiaHoldingsCorpIIIPOMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_NumberOfFractionalWarrantsPerIPOUnit" abstract="false" name="NumberOfFractionalWarrantsPerIPOUnit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="open_DeferredTaxAssetsLeaseLiability" abstract="false" name="DeferredTaxAssetsLeaseLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_PublicWarrantsMember" abstract="true" name="PublicWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_PaymentsForOptionIndexedToIssuersEquity" abstract="false" name="PaymentsForOptionIndexedToIssuersEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_EmployeeStockPurchasePlanDurationOfPurchasePeriodsWithinOfferingPeriod" abstract="false" name="EmployeeStockPurchasePlanDurationOfPurchasePeriodsWithinOfferingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="open_RedDoorMember" abstract="true" name="RedDoorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="open_AdjustmentsToAdditionalPaidInCapitalPurchaseOfOptionsIndexedToIssuersEquity" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalPurchaseOfOptionsIndexedToIssuersEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_AssetBackedSeniorFacilitiesMember" abstract="true" name="AssetBackedSeniorFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="open_ShareBasedPaymentArrangementExpenseAcceleratedRecognition" abstract="false" name="ShareBasedPaymentArrangementExpenseAcceleratedRecognition" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_RevolvingFacility20192Member" abstract="true" name="RevolvingFacility20192Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
