Highlights


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                                              Leverage Your Home Equity

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  •   Offers cash for a home equity interest
  •   Provides 10% to 15% of certified appraisals
  •   Entails large savings on down payments 
  •   Enables the purchase of unaffordable homes
  •   Requires no payments for five years
  •   Reduces mortgage payments and/or rates
  •   Is not a loan (no debt or interest)
  •   Shares in the loss in home value 
  •   Needs no repayment if there is no home equity
  •   Bears no risks  
  •   Results in a higher return with a smaller down payment
  •   Allows the usage of the cash provided for any purpose
  •   Can be paid off at any time 
  •   Is callable after five years
  •   Credits the pro rata costs of approved home improvements

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Criteria

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  • Existing single-family home, detached, and owner-occupied principal residence

  • Buyer must make a minimum down payment of 10%  

  • Home prices must offer the potential of an above-average appreciation for the community

  • Homes must be financed with a single mortgage having a fixed rate for at least seven years

  • Cash requested is to be repaid in addition to a percent of the net home price appreciation

  • No encumbrance with second mortgages or home equity loans except for payoffs

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Costs

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  • Transaction fee of 2% which is deducted from the requested cash

  • Percent of the net home price appreciation, if any

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