Testimonial
Real stories from people who used the REAL Homeownership Program.
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The REAL Program helps buyers compete like cash, move quickly, and secure 100% of net appreciation—without long-term mortgage debt. It also empowers current homeowners with flexible options to unlock equity, stay in their homes, and plan future ownership paths.
Here are real experiences from clients and agents we’ve worked with across the U.S.
Mortgage Challenge
Signal Hill, CA
“Following my divorce, I needed to find a new place to live. I initially planned to rent, but my realtor introduced me to the REAL Program, which offered a unique path: start as a renter and transition to homeownership. At the time, I didn’t qualify for a traditional mortgage due to the circumstances of my divorce, even though I had some savings. The REAL Program gave me a way forward and made it possible to secure a home when I thought it was out of reach. The team was incredibly knowledgeable, kind, supportive, and professional throughout the entire process. I’m truly grateful and have since recommended the program to friends and family.”
Self - Employed
Park City, UT
"I joined the REAL Program in 2020, and I can honestly say it gave me the pathway to homeownership I couldn’t find anywhere else. At the time, I was self-employed and didn’t fit neatly into the requirements of traditional lending. The REAL Program gave me the flexibility to move into the home I wanted while building my financial profile to later qualify for a mortgage.
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Throughout the process, I worked with several program managers, and every single one was professional, patient, and supportive. What stood out most was how much the team valued client privacy and security—they made me feel confident and protected every step of the way, even when the housing market and interest rates shifted dramatically.
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Many clients like me have successfully transitioned into homeownership through this program, some even using it as a stepping stone to build equity and upgrade to their next home. For me, the REAL Program wasn’t just about buying a house—it was about peace of mind and a clear path forward. That’s why I continue to recommend it to my friends and family."
Entrepreneur
Park City, UT
“The pending sale of our business meant that no bank was willing to look at us for a loan. REAL made it so easy that I wish we’d just started there, first. It was such a wonderful experience. Can’t wait to tell all my friends about the program.”
Entrepreneur
Park City, UT
"We found that a traditional mortgage was not an option for us due to our ownership in a start-up corporation. We tried several avenues to obtain a mortgage only to be declined every time, despite great credit, plenty of money for a down payment, and income to cover the payments. After exhausting mortgage options with banks and credit unions, we looked at seller financing or lease-to-own and these options were not very attractive.
When our real estate agent told us about this program, it sounded almost too good to be true. After some serious due diligence, including from people who had used the program, we realized that it was a great option that checked all the boxes. Everyone we worked with throughout the process was knowledgeable, helpful, responsive, friendly, and proactive. We went from application to closing in around 2 1/2 weeks! The great thing about the program is that it is essentially a cash deal, so you are able to close faster than a traditional mortgage and you may be able to secure a better purchase price. We are so grateful we found out about this unique offering. We now live in our dream home!"​
Foreign Born
Coto De Caza, CA
"When I first moved to California as a new immigrant, I wanted to settle down and buy a home quickly. However, without U.S. income or credit history, most lenders could not approve me. The few who were willing required extensive overseas income and asset documentation, which would have taken far too much time and energy—something I simply didn’t have while adjusting to a new country.
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That’s when my agent introduced me to the REAL Program. To my relief, their process was simple and clear. They didn’t require mountains of paperwork, and their professional, friendly team made everything smooth. With their support, I was able to make a full-cash offer and successfully purchase my dream home shortly after arriving.
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Even after closing, their asset management team continued to impress me. They were responsive, approachable, and always quick to answer my questions. Thanks to REAL, I was able to achieve stability and peace of mind in my new life in the U.S., and I am truly grateful for their help."
Foreign Born
Tempe, AZ
"In 2019, my daughter was admitted to a four-year university in Arizona. Because the student apartment was limited and I was concerned about safety, I wanted to buy her a condo near the campus. However, as an international student with no income, she didn’t qualify for any traditional mortgage. We tried many options, but every lender declined us.
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Fortunately, a Realtor introduced us to the REAL Program. To my surprise, the process was straightforward, the review was fast, and the upfront payment requirement was much lower than with a traditional mortgage loan. With their help, we purchased a 2-bedroom, 2-bath condo right next to campus. The monthly payment was not much different from renting, but with the added security and peace of mind of owning.
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The best part came when my daughter graduated: the property’s value had nearly doubled. Looking back, I’m so grateful we chose REAL instead of renting. We not only gave my daughter a safe and stable home during her studies, but also benefited from the property appreciation. I strongly recommend the REAL Program to other families in similar situations."
Foreign Born
Irvine, CA
"In 2019, I planned to invest in a property in Irvine, California. I spent more than three months dealing with a traditional mortgage bank, submitting endless documents because of my foreign status, but still could not get approved. I was almost ready to give up when a friend introduced me to the REAL/Seashine Trust Program.
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To my surprise, the solution was simple, efficient, and much more affordable. The upfront payment was only half of what the bank required, and the process was incredibly fast—from offer acceptance to closing, everything was completed in about 10 days.
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Even better, during the program period, my property appreciated by nearly $1 million. Thanks to the agreement, I took 100% of that appreciation. It was by far the most successful investment I’ve ever made.
Because of this great experience, I purchased my second property in Irvine through REAL/Seashine in 2022. Now, I always recommend Seashine to my friends, and I truly hope more people can enjoy the same rewarding results that I did."
All-Cash Offer
Trabuco Canyon, CA
"My husband is an entrepreneur, and I am self-employed. We’ve purchased homes in the U.S. before, but every time the mortgage process was long, stressful, and uncertain. Banks always required endless income and tax documents, and closings often dragged out for 35–45 days.
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In 2020, when we discovered our dream home, our agent warned us that the property was in extremely high demand. If we had to wait for traditional loan approval, there was a real risk we would lose the house. That’s when a friend introduced us to the REAL Program.
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With REAL, the process was fast and straightforward. They enabled us to make an All-cash offer, which gave us the competitive edge we needed. Even better, we were able to close in just 15 days. Our agent later told us that we weren’t even the highest bidder—yet our cash-backed offer won the deal.
We are so grateful to REAL for helping us secure our dream home. Their speed, flexibility, and ability to strengthen our offer made all the difference. It was truly an outstanding experience."