Is Home Price Protection a mortgage loan?

No. Home Price Protection is not a mortgage loan and does not replace home financing. It’s a separate financial protection product designed to help manage the risk of potential declines in local home prices.

What exactly is being “protected”?

Protection is tied to a local housing price index for your market area—not your home’s individual resale price. The contract is designed to respond to broader market movement rather than property-specific factors.

How is a payout determined?

A payout may be triggered if the housing price index for your selected market falls below the protection threshold you chose at enrollment, according to the contract’s terms.

Do I need to file a claim to get a payout?

No. If the contract conditions are met, a payout can be issued automatically. You don’t need to submit a claim.

Do I have to sell my home to receive a payout?

No. A payout does not require selling your home. The program is designed so you can receive a cash distribution without a sale.

What happens if home prices go up instead of down?

If prices remain stable or increase during the contract term, no payout is triggered. You simply benefit from the peace of mind of having protection in place.

If I receive a payout and the market later recovers, do I have to pay it back?

Generally, no. Once issued, the payout is yours, and there are no clawbacks if the market rebounds later.

How long does it take to enroll?

Enrollment is typically quick and can often be completed in just a few minutes, with pricing and contract terms disclosed upfront.

Are there ongoing fees?

The program’s costs are generally built into the contract price, meaning there typically aren’t additional ongoing fees beyond the initial purchase—unless you choose to renew, per the contract’s terms.

Who is Home Price Protection best for?

It may be a fit for first-time buyers, move-up buyers, and anyone purchasing in a market where short-term uncertainty is a concern—especially buyers who want an added layer of confidence while they focus on long-term homeownership goals.

Home Price Protection 101: How It Works

Q: Is there a maximum payout?

Yes. Maximum payout terms can vary by contract, and some program guidelines reference a maximum payout cap (often up to $100,000). Your specific maximum payout is selected and documented at the time of purchase.

You close on a home. Twelve months later, the local market has dropped. A check shows up in your bank account — automatically, without filing a claim or selling the property.

What Home Price Protection Is

Home Price Protection is a contract that pays you cash if your local housing market declines. It’s built on REZITRADE‘s platform and provided to you at zero cost by the REZILOANS Team as a benefit of working with them.

It is not a mortgage. Not a second lien. Not insurance. Not a shared-equity arrangement. It’s a separate contract that sits alongside your home financing and doesn’t affect your rate, your monthly payment, your loan approval, or your ownership rights in any way.

The contract is tied to a local housing price index — a market-level measure of home values in your area, calculated by an independent third party. If that index declines past a defined threshold by the end of your contract term, you receive a cash payout. Visit the Home Price Protection program page for the full overview.

How It Works, Step by Step

Step 1: Your protection is provided by the REZILOANS Team. As a benefit of working with the team, your contract is set up with three core parameters:

Trigger: The index decline percentage that activates a payout.
Cap: The decline percentage where the Maximum Payout is reached.
Maximum Payout: The most you can receive — set individually for each client (for example, $50,000).

These are locked in and documented upfront. You’ll know exactly what your protection covers before anything is finalized.

Step 2: The market index is tracked. Throughout your contract term, the housing price index for your market is updated monthly. You don’t have to monitor it — this happens in the background. But you can check in on your market’s performance via REZITRADE’s published index data if you want.

Step 3: Eligibility is assessed at the end of the term. On the Expiration Date — the last day of your contract — the index is measured against your Trigger. If it hasn’t declined past the Trigger, no payout is owed and the contract expires. If it has, the payout is calculated.

Step 4: You get paid. Between the Trigger and the Cap, payouts scale proportionally. The further the index falls past the Trigger, the larger the payout — up to the full Maximum Payout if the decline reaches the Cap or beyond.

Here’s the concept in plain terms: if the decline is halfway between the Trigger and the Cap, you receive roughly half the Maximum Payout. If it reaches the Cap or goes further, you receive the full amount.

In all cases, funds are deposited via ACH to the bank account you provide, within 30 days of the Expiration Date.

No claim form. No appraisal. No sale of the home. The money is yours, and there are no clawbacks if prices recover later.

Step 5: You decide what to do next. Your initial term has ended. If you want continued protection, renewal options may be available in your market — treated as a new contract at then-current pricing. Or you move forward without it. Your choice.

Why Buyers Move Faster With It

One of the biggest reason qualified buyers stall in today’s market isn’t rates or inventory — it’s timing fear. What if it drops right after I close? Home Price Protection takes that question off the table. When your downside has a defined floor, the decision gets simpler. You’re not guessing anymore. You’re buying with a backstop.

What You Need to Know About Eligibility

Two requirements matter:

You must own the property as of the Expiration Date. If you sell before the term ends without transferring the contract, you won’t be eligible for a payout.
The contract can be transferred once. If you sell, you can transfer the protection to the new owner — with written notice to REZITRADE within 30 calendar days.

What This Isn’t

Worth stating clearly:

It’s not insurance. No claims, no adjusters, no proof of loss.
It’s not PMI. Private Mortgage Insurance (PMI) protects the lender against borrower default. Home Price Protection protects you against market decline. Different products, different risks, different beneficiaries.
It’s not a guarantee your home will appreciate. It’s a backstop if the market declines.
It’s not a mortgage product. It doesn’t create a lien, require payments, or affect your loan.

Frequently Asked Questions

What does it cost?

Zero. The REZILOANS Team covers the Contract Price as a benefit of working with our team.

Why would a mortgage provider give this away?

Because it works for both sides. Buyers with Home Price Protection don’t stall out over timing anxiety — they follow through. For the REZILOANS Team, covering the contract price means more borrowers who actually close. You get a safety net and we get clients who don’t walk away at the last minute.

Is there a maximum payout?

Yes. Your Maximum Payout is set individually and disclosed when the REZILOANS Team provides your protection.

What if home prices go up?

No payout is issued. You benefit from the appreciation with no penalty or obligation.

What if home prices drop mid-term but recover?

The only measurement is on the Expiration Date. A temporary dip that recovers won’t trigger a payout. For more on how the timeline works, see When Do Payouts Happen?

How long does the contract last?

The term is defined when your protection is provided — typically 12 months.

Who calculates the index?

An independent third-party calculation agent. The index is updated monthly and published within 45 days after month-end.

Who is this best for?

Any buyer who wants a defined financial backstop during the first year of ownership — whether that’s a first-time buyer worried about timing, a move-up buyer with significant equity at stake, or someone in a market with recent volatility. See What Is Home Price Protection & How Does It Help? for a breakdown by buyer type.

How do I know if my property qualifies?

Home Price Protection is available nationwide. The REZILOANS Team can provide specific program details.

Conclusion

Five steps. One assessment date. No claims, no appraisals, no sale required. If the index is down past your Trigger at term end, cash hits your account within 30 days. If it’s not, the contract expires and you owe nothing. The REZILOANS Team sets everything up and covers the cost. All you have to do is buy a home. Start the conversation.