About Us

The REAL Program was created to deliver a modern solution for homeownership, backed by decades of experience in the mortgage and capital markets. Through American Interbanc Mortgage, Seashine served more than 30 states for over 25 years in traditional lending. While mortgages remain an important tool, we recognized that responsible consumers deserve an alternative—one that provides the benefits of homeownership without the burden of long-term debt.

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In 2017, we introduced the Real Estate Acquisition Lease (REAL) Program to reimagine homeownership for today’s world. REAL gives consumers immediate access to institutional capital, empowering them to:

 

• Compete as all-cash buyers and close in as few as 10 days.

• Work with their own trusted real estate agent to secure the home they choose.

• Leverage a professional acquisition team to ensure every property is fairly valued and structurally sound.

• Capture 100% of net appreciation—without taking on mortgage debt.

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Since its launch, REAL has expanded into multiple states, supported by a fully integrated ecosystem spanning front-end operations through back-end capital markets. In 2023, we achieved a key milestone with our first securitization, which received an A- rating from a nationally recognized rating agency—further validating the program’s financial strength and long-term credibility.

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Serviced by Seashine Financial, a leader in single-family housing and capital markets, and administered through the REAL Homeownership Trust—a Delaware statutory trust headquartered in Irvine—REAL ensures that every property is held securely and that consumers’ contractual rights are fully protected under trust law.

 

Our mission is clear: to make homeownership simpler, safer, and more accessible—a truly modern solution for the modern world