Home Price Protection Program - Added Confidence for Today’s Homebuyers

Buying a home is one of the largest financial decisions most people will ever make. While long-term homeownership has historically been a powerful wealth-building strategy, short-term market uncertainty can create hesitation—especially in changing or volatile housing markets.

At REZILOANS, we believe confident buyers make better decisions. That’s why we offer access to the Home Price Protection Program, an innovative solution designed to help homeowners protect against potential declines in home values after purchase.

Important: Home Price Protection is not a mortgage loan and does not replace traditional home financing. It is an optional financial protection product that can be used alongside your mortgage.

What Is the Home Price Protection Program?

The Home Price Protection Program is designed to help homeowners manage the risk of short-term market fluctuations by establishing a contract tied to local housing price indices at the time of purchase.

If indexed home values in the selected market decline below a predetermined level during the contract term, the homeowner may receive a cash payout intended to help offset a portion of that decline. If prices remain stable or increase, the homeowner benefits from the peace of mind that comes with knowing they were protected.

Unlike traditional insurance or reimbursement programs, payouts—when triggered—are automatic and do not require filing a claim, selling the home, or proving individual property loss.

How the Home Price Protection Program Works

1. Market-Based Protection

Protection is tied to verified, third-party housing price data for the homeowner’s specific market area—not to an individual appraisal or resale value.

2. Contract Setup

At enrollment, the homeowner selects:

• A protection threshold (the value level being protected)
• A contract term (length of coverage)

All terms are clearly disclosed prior to purchase.

3. Ongoing Market Monitoring

Throughout the contract term, local housing price indices are continuously tracked.

4. Automatic Payout (If Triggered)

If market prices fall below the protected threshold during the term, a cash payout may be issued automatically. No action is required from the homeowner.

Once issued, the payout belongs to the homeowner—even if market values later recover.

What This Program Is — and Is Not

What It Is:

• A home value protection program
• A contractual financial hedge against market price declines
• A complement to traditional mortgage financing
• A tool designed to reduce buyer anxiety in uncertain markets

What It Is Not:

• Not a mortgage loan
• Not a refinance or second lien
• Not a shared-equity or appreciation-sharing agreement
• Not a replacement for homeowner’s insurance

This program does not impact your mortgage interest rate, loan approval, monthly payment, or ownership rights.

Who May Benefit From Home Price Protection?

First-Time Homebuyers

Buyers entering the market for the first time often worry about buying at the “wrong time.” This program can help reduce hesitation by addressing downside market risk.

Move-Up Buyers

Homeowners using existing equity to purchase their next home may value additional protection during larger financial transitions.

Buyers in Transitional or Volatile Markets

Markets naturally move in cycles. Home Price Protection can help bridge the gap between short-term uncertainty and long-term ownership goals.

Sellers and Real Estate Agents

In some cases, Home Price Protection may be used as a listing incentive, helping properties stand out and providing buyers with added confidence.

How This Program Fits With Your Mortgage

Your mortgage provides the financing needed to purchase a home. Home Price Protection addresses a different concern—market risk.

At REZILOANS, this program may be discussed during:

• Purchase consultations
• Pre-approval strategy sessions
• Buyer hesitation conversations
• Market education discussions

It is designed to support informed decisions—not replace sound lending fundamentals.

Simple Enrollment Process

• Availability is determined by ZIP code
• Pricing and contract terms are disclosed upfront
• Enrollment can typically be completed in just a few minutes

The REZILOANS Team can help you determine availability and explain how the program may fit your overall strategy.

Why REZILOANS Offers Home Price Protection

At REZILOANS, our role goes beyond rates and loan products. We focus on education, transparency, and long-term success.

Offering access to Home Price Protection allows us to:

• Help buyers navigate uncertain markets
• Reduce emotional barriers to homeownership
• Provide tools that support confident decisions
• Create more thoughtful, client-focused conversations

This program may not be right for every buyer. Our goal is to ensure you understand your options.

Important Considerations

• Program availability varies by market
• Contract terms, pricing, and thresholds are market-specific
• This is a contractual financial product, not a lender-issued or government-backed loan
• Home Price Protection does not guarantee appreciation or eliminate all market risk

Speak With The REZILOANS Team

If you’re planning to buy a home or want to better understand your options in today’s market, The REZILOANS Team is here to help.

We’ll walk you through:

• Your mortgage options
• Current market conditions
• Whether Home Price Protection makes sense for your goals

Contact REZILOANS today to start the conversation and move forward with confidence.