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Use A Home's Potential Value

PayHome Capital, LLC has created a fund to provide cash to home buyers, and qualified home owners, in return for a share in the appreciation of their homes. Homeowners need only a small annual increase in income to pay off the fund after the fifth year. They may save on down payments and/or mortgage payments, spend the cash any way they wish, buy out the fund at any time, and don't have to make any payments to the fund for five years.

PayHome™ ("PayHome") is an option contract giving the right to obtain 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. By using the potential value of a house, home buyers will be able to purchase homes they could otherwise not afford or simply buy more desirable homes - see Savings. 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. We will provide between 10% and 15% of the certified appraisals of a home while buyers are sole owners of their properties. The cash provided is not a loan and can be spent for any purpose: car, furniture, improvements, debt, 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 and retain a minimum down payment of 5%. The homes must be single-family, detached, and owner-occupied principal residences. They must be financed with a single fixed-rate mortgage of minimum seven years and meet our criteria. If there is a loss in home value, the cash is repaid out of any remaining owner's equity. If there is insufficient equity, we occur the loss of our stake in the house.

Any home improvements that enhance market value upon the payoff of PayHome, according to certified appraisers, will be reimbursed pro rata upon the full payoff of PayHome. The added value of home improvements is always difficult to evaluate because of their depreciations over time. 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.