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                                                                                           Use A Home's Potential Value


PayHome Capital, LLC is an emerging investment management firm which (intends) to provide cash to home buyers, and qualified  home owners, in return for a share in the appreciation of their homes. What's more, recipients make no monthly payments.

PayHome™ ("PayHome") is an option contract giving the right to buy a stake in a home upon buyout of the option, sale of the home, or after five years. The stake consists of the repayment of the cash provided in addition to a share of the net increase in home value, if any, see Savings. By using the potential value of a house, home buyers will be able to acquire more desirable homes or simply reduce mortgage payments. Existing home owners will be able to convert the equity in their homes into cash without the burden of additional debt.

Struggling to come up with a down payment? PayHome offers a solution to the home affordability crisis by providing a compelling alternative to conventional home financing. By offering cash of 10% to 15% of the certified appraisals on a home, buyers can purchase homes they could otherwise not afford and be sole owners of the property - see Savings. The cash provided is not a loan and can be spent for any purpose: second car, home improvements, new furniture, debt reduction, etc.

PayHome can avoid taking on more debt with a second mortgage or home equity loan. Moreover, it allows buyers to lower the interest rate on a mortgage with the smaller loan-to-value financing. It provides buyers with a higher return on their down payments than if they made the entire down payments because of the increased leverage obtained from a smaller down payment.

However, home buyers must make a minimum down payment of 10% and the homes must be single-family, detached, and owner-occupied principal residences. They must be financed with a single fixed-rate mortgage of minimum 7 years and meet our criteria. If there is a loss in home value, the cash is repaid out of the remaining equity.

The added value of home improvements is difficult to evaluate because of their depreciations over time. But any improvement which has enhanced market value upon payoff of PayHome, according to certified appraisers, will be reimbursed pro rata. To ensure  reimbursements, homeowners must keep all receipts and obtain written approval before undertaking the improvements.

Applying for a PayHome is easy, safe and fast.- see Apply.

In short, PayHome is the smart way to buy a home because it enables buyers to obtain:

  • NEEDED HOMES by purchasing homes that otherwise they could not afford.

  • LARGE SAVINGS on down payments for a car, furniture, home improvements, etc.

  • LOWER PAYMENTS on mortgages with no additional debt or risk.

  • DREAM HOMES by buying homes that meet their aspirations.

  • HIGHER RETURNS on their homes than if they bought them on their own.

                                                Copyright © 2018 PayHome Capital, LLC. All Rights Reserved. Patent Pending.