For Homeowners

The Resident currently owns and has lived in the property for many years and was looking to access as much equity as possible to fund the purchase of another investment property. Because the amount of cash he wanted to pull out exceeded the limits of traditional financing, he used the REAL program to unlock the equity while continuing to live in the home. Later, the resident exercised their purchase option and reacquired the property from the trust using a traditional mortgage.

The Resident owned a home in Irvine, a market known for strong appreciation. She wanted to access a portion of the equity in her property to fund another investment purchase but found the available mortgage financing terms unfavorable at the time. Instead, she used the REAL program to unlock the equity. Later, she exercised her option to purchase and reacquired the property from the trust using a traditional mortgage.

The Resident was already living in the property and was seeking to refinance in order to pay off existing debt. However, due to a high debt-to-income ratio, he was unable to qualify for a traditional mortgage. He chose to use the REAL Program to consolidate debt and pay off the existing property loan. Ultimately, the home was sold to a third party, and the resident retained 100% of the property's appreciation.

The Resident was already occupying the property and was attempting to refinance to pay off debt. However, a recent job change resulted in a gap in employment, and combined with existing credit card debt, made it difficult to qualify for traditional financing. The resident chose to use the REAL Program to consolidate debt and pay off the existing property loan. Later, they exercised the purchase option and reacquired the property from the trust using a traditional mortgage.

The Resident was already living in the property and was attempting to purchase a newly constructed home using traditional financing, but was unable to qualify. As a foreign-born applicant, she did not meet the reserve requirements for a foreign national mortgage. By utilizing the REAL Program, she uses the proceeds to pay off her existing mortgage, and supplement her cash reserves—ultimately enabling her to qualify for financing on the new home. Years later, she exercised her option to sell the original property at market value and retained 100% of the appreciation.

The Resident was already living in the property and was seeking to refinance in order to pay off debt ahead of an upcoming medical leave. However, she was unable to qualify for a cash-out loan due to the pending leave from work. Instead, she chose to utilize the REAL Program to access the equity and pay off her debt. After returning to work, she exercised her purchase option and reacquired the property using a traditional mortgage.

The Resident already owned the property and sought to access its equity to pay off existing credit card debt and complete improvements to the home. As a self-employed individual, he faced challenges meeting the documentation requirements of a traditional mortgage. Therefore, he elected to utilize the program as an alternative means to achieve his financial objectives. After a number of years in the program he exercised the option to sell the property at market value and retained 100% of the appreciation.

The Resident had lived in the property for nearly 20 years and was looking to purchase a new home for himself and his family. Most of his savings were tied up in the home’s equity and his 401(k), making it difficult to qualify for a new mortgage while still carrying the existing one. He chose to use the REAL Program to help facilitate the transition. Eventually, the home was sold to a third party, and the owner retained 100% of the property’s appreciation.

The Resident already owned the property and was attempting to refinance and take cash out to purchase a new home, but was unable to qualify with the existing mortgage. The Resident chose to use the Program to obtain proceeds from the sale to facilitate the new home purchase. Later, the resident exercised the option to purchase and acquired the property using a traditional mortgage.

The Resident already owned the property and sought to access the equity in order to finance the purchase of a new investment property to flip in San Diego. Due to an inability to qualify for traditional financing while maintaining his existing mortgage, he opted to utilize the Program to obtain proceeds from the sale. These funds were then used to facilitate the acquisition of the new flip property. Later, the original home was sold to a third party, and the resident retained 100% of the appreciation.

The Resident already owned the property and sought to access the equity in order to pay off existing credit card and car loan debts, with the goal of improving his credit score. Due to challenges in meeting the documentation requirements associated with a traditional mortgage he elected to utilize the program as an alternative means to achieve his financial goals. Later, the Resident exercised the option to purchase and acquired the property using a traditional mortgage.

The Resident already owned the property and wanted to access its equity to pay off debt but was unable to qualify for a traditional mortgage at the time. He used the REAL Program to unlock the cash value in the home and consolidate his debt, all while continuing to live in the property. Later, he exercised his purchase option and reacquired the home using a traditional mortgage.

The Resident was already living in the property, which had been originally financed by family members. He chose to use the REAL Program to consolidate debt and pay off the underlying property loan. After improving his financial situation and rebuilding his credit, he exercised his purchase option and reacquired the property using a traditional mortgage.