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  <xs:element id="open_TaxCutsAndJobsActOperatingLossCarryforward" abstract="false" name="TaxCutsAndJobsActOperatingLossCarryforward" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_RevolvingFacility20183Member" abstract="true" name="RevolvingFacility20183Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="open_NumberOfWarrantInstruments" abstract="false" name="NumberOfWarrantInstruments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="open_UnvestedCommonStockPurchased" abstract="false" name="UnvestedCommonStockPurchased" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="open_EmbeddedDerivativePaymentInKindInterest" abstract="false" name="EmbeddedDerivativePaymentInKindInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="open_SecuritySystemsMember" abstract="true" name="SecuritySystemsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="open_SeriesDPreferredWarrantsMember" abstract="true" name="SeriesDPreferredWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="open_IncreaseToAmountOfStockAvailableUnderPlanTotalNumberOfSharesOfCommonStockOutstandingPercentage" abstract="false" name="IncreaseToAmountOfStockAvailableUnderPlanTotalNumberOfSharesOfCommonStockOutstandingPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="open_DebtInstrumentFaceAmountFullCommitment" abstract="false" name="DebtInstrumentFaceAmountFullCommitment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_DebtInstrumentConvertibleEquityComponentFairValue" abstract="false" name="DebtInstrumentConvertibleEquityComponentFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_SeriesEPreferredStockWarrantsMember" abstract="true" name="SeriesEPreferredStockWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="open_ProceedsFromBusinessCombinationAndPIPEOffering" abstract="false" name="ProceedsFromBusinessCombinationAndPIPEOffering" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_RepoFacility2019R1Member" abstract="true" name="RepoFacility2019R1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="open_SeriesAConvertiblePreferredStockMember" abstract="true" name="SeriesAConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="open_StockIssuedDuringPeriodSharesWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodSharesWarrantsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="open_NumberOfDaysOfGuaranteeOnHomeSales" abstract="false" name="NumberOfDaysOfGuaranteeOnHomeSales" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="open_LineOfCreditFacilityFullyCommittedBorrowingCapacity" abstract="false" name="LineOfCreditFacilityFullyCommittedBorrowingCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_RevolvingFacility20171Member" abstract="true" name="RevolvingFacility20171Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="open_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseWarrantExpenses" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseWarrantExpenses" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="open_WarrantLiabilitiesFairValueDisclosure" abstract="false" name="WarrantLiabilitiesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_SignificantRisksAndUncertaintiesPolicyTextBlock" abstract="false" name="SignificantRisksAndUncertaintiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="open_TermDebtFacility2016M1Member" abstract="true" name="TermDebtFacility2016M1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="open_SeriesDPreferredStockPennyWarrantsMember" abstract="true" name="SeriesDPreferredStockPennyWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="open_InventoryRealEstateFinishedGoods" abstract="false" name="InventoryRealEstateFinishedGoods" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_EmbeddedDerivativeAccretionOfRedemptionValueOfConvertibleNotes" abstract="false" name="EmbeddedDerivativeAccretionOfRedemptionValueOfConvertibleNotes" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="open_SeriesEConvertiblePreferredStockMember" abstract="true" name="SeriesEConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="open_CashCashEquivalentsAndAvailableForSaleDebtSecurities" abstract="false" name="CashCashEquivalentsAndAvailableForSaleDebtSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_TemporaryEquityEquityInstrumentsOtherThanOptionsConversionOfSharesForBusinessCombination" abstract="false" name="TemporaryEquityEquityInstrumentsOtherThanOptionsConversionOfSharesForBusinessCombination" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
</xs:schema>
