The Reverse Equity Annual Lease, referred to as the REAL Program, is an alternative housing option designed for certain homeowners facing financial hardship or foreclosure risk. This page is provided for informational and educational purposes only. It is not an offer to purchase property, not a loan, and not legal or financial advice. Participation in any program is voluntary and subject to eligibility review.
What the REAL Program Is
The REAL Program is a housing arrangement in which a homeowner may voluntarily transfer ownership of a residential property and continue occupying the home under a lease agreement for a defined period.
The program is intended to provide time, stability, and housing continuity for homeowners who are unable to resolve their situation through traditional mortgage or loss mitigation options.
The REAL Program is not appropriate for every homeowner and should only be considered after reviewing all available alternatives.
What the REAL Program Is Not
The REAL Program is not:
- A mortgage loan
- A loan modification
- A foreclosure consulting service
- A government program
- A guarantee to recover ownership
- A requirement to participate in any transaction
Home Cash Holdings LLC does not represent that the REAL Program is the best or only option available to a homeowner.
Important First Step – Education and Counseling
Before any discussion of the REAL Program proceeds, homeowners are encouraged—and in many cases required—to seek independent housing counseling.
Housing counseling helps homeowners understand:
- The foreclosure process
- Available loss mitigation options
- Alternatives to selling or transferring ownership
- Risks and consequences of each option
Home Cash Holdings LLC supports the use of independent housing counseling and does not discourage homeowners from seeking legal or professional advice.
How the REAL Program Generally Works
While each situation is unique, the REAL Program typically involves the following general steps:
- The homeowner reviews educational materials and disclosures
- The homeowner completes housing counseling
- The homeowner independently requests information about non-loan alternatives
- Eligibility is reviewed based on property, timing, and financial factors
- If the homeowner chooses to proceed, ownership may be transferred
- The homeowner may continue occupying the home under a lease agreement
No homeowner is required to proceed at any stage.
Key Considerations for Homeowners
Homeowners considering any ownership transfer should understand that:
- Ownership rights may end
- Equity may be reduced or eliminated
- Lease terms are defined and time-limited
- Repurchase is not guaranteed
- Other options may exist
Homeowners should take time to review all documents carefully and are encouraged to consult independent professionals before making any decision.
Transparency and Choice
Home Cash Holdings LLC does not pressure homeowners to enter any agreement. Homeowners retain the right to:
- Decline participation
- Seek alternative solutions
- Cancel discussions before execution
- Ask questions and request clarification
Decisions should be made freely, without urgency or pressure.
Relationship Disclosure
Home Cash Holdings LLC may be commonly owned with other licensed entities that provide mortgage services. These roles are separate. Mortgage counseling and lending activities, if any, are handled independently and are not required to participate in the REAL Program.
There is no obligation to use any affiliated service.
Final Note
The REAL Program is one of several possible paths a homeowner may explore. It should be considered only after understanding all available options and the long-term implications of transferring ownership.
Before considering any agreement that involves selling or transferring ownership of your home, review independent resources and consider housing counseling or legal advice.
Helpful Resources
- HUD Approved Housing Counseling: Phone: 800-569-4287
- Online: https://www.hud.gov/findacounselor
- Florida Homeowner Assistance Programs: View Program
- Know Your Rights and Foreclosure: Learn More
Note: These resources are provided for educational purposes only. Home Cash Holdings LLC does not endorse or receive compensation from these organizations.