Reverse Equity Annual Lease (REAL)

Our Reverse Equity Annual Lease (REAL) program gives homeowners the opportunity to unlock the equity in their homes—without giving up the keys. This innovative solution lets you access immediate funds while continuing to live in your home with flexible lease terms and the option to buy it back when you're ready.

What Is the REAL Program?

The REAL program is designed for homeowners who need cash now but don’t want to leave their property. It allows you to convert your home’s equity into cash while remaining in place as a tenant. Whether you're managing debt, avoiding foreclosure, or funding a new chapter, REAL provides an alternative path—one that offers stability, control, and financial breathing room.

Key Benefits of the REAL Program

• Access Your Home’s Equity—Fast: REAL allows you to tap into your home equity without taking out a loan or selling the property. Use the funds to pay off debt, fix your credit, handle emergencies, or avoid foreclosure.
• Stay in the Home You Love: You continue living in your home throughout the lease period, maintaining your lifestyle and stability while working toward financial recovery or new goals.
• Flexible Lease Terms: Choose lease terms that fit your needs—typically ranging from 6 to 24 months. This gives you time to regroup, rebuild, and potentially repurchase your home when you’re ready.
• Simple, Hassle-Free Process: No credit checks, lengthy bank approvals, or overwhelming paperwork. The REAL program is designed to be straightforward and fast, giving you access to cash when you need it most.

How the REAL Program Works

1. Initial Consultation: We start with a one-on-one consultation to understand your situation and explain how REAL can work for you. We’ll answer all your questions and ensure you're confident about your next steps.
2. Equity Evaluation: Our team will assess your property’s value and determine the amount of equity available based on current market conditions and property appraisal.
3. Lease Agreement & Cash Disbursement: Once terms are agreed upon, we’ll structure a lease that fits your financial situation. A portion of your equity is placed into an escrow account and used to cover monthly lease payments—so you can stay comfortably in your home.
4. Lease Period: You’ll remain in your home as a tenant for the agreed term, making scheduled lease payments. You’ll retain the right to repurchase the property at any time during or at the end of the lease period.
5. Option to Repurchase: When the lease ends, you have the opportunity to buy back your home—potentially benefiting from any appreciation in property value.