Home Price Protection Payouts: What to Expect and When

You have Home Price Protection. The contract is in place. Now the question: what actually has to happen for money to hit your account — and how long does it take?

The Short Answer

Payout eligibility is checked once, at the end of your contract term. If your local market index has fallen below the protection threshold, a cash payout is issued via ACH within 30 days. No claims to file. No appraisals. No requirement to sell your home.

 

How the Payout Timeline Works

Home Price Protection is a contract tied to a local housing price index — not your individual home’s appraised value. It’s built on REZITRADE‘s platform and provided to you at zero cost by the REZILOANS Team. When the team provides your protection, three critical numbers are locked in:

• The Trigger: The index decline threshold that activates a payout.
• The Cap: The decline level at which the maximum payout is reached.
• The Maximum Payout: The most you can receive — set individually for each client. For example, if your maximum is $50,000, that’s the most you’d receive regardless of how far the index falls.

Between the Trigger and the Cap, payouts scale proportionally. A steeper decline means a larger payout, up to your maximum. For a full overview of the program, see the Home Price Protection program page.

The index for your market is updated monthly and published within 45 days after month-end. The calculation agent is an independent third party — so the numbers aren’t subjective.

 

When Eligibility Is Determined

This is the part that matters most: payout eligibility is assessed on one date — the Expiration Date of your contract.

Not mid-term. Not continuously. The index is tracked throughout your term, but the contractual measurement happens at the end. If your market dips significantly in month six but recovers by the Expiration Date to a level above the Trigger, no payout is owed. The flip side: if it stays below the Trigger at expiration, you get paid regardless of what happened in between.

This single-point-in-time structure is important to understand. It means Home Price Protection isn’t a trading instrument. It’s a defined-term safeguard against sustained market declines.

 

How You Get Paid

If a payout is triggered, REZITRADE will contact you using the information on file to collect your bank account details. Funds are transferred via ACH within 30 days following the Expiration Date. You’ll receive an email confirmation once the transfer is complete.

There are no claim forms. No documentation to submit. No requirement to sell or prove individual property loss. Once the money hits your account, it’s yours — no clawbacks, even if the market recovers afterward.

 

What Happens After the Term Ends

Your initial contract covers a defined term. If you want continued protection beyond that, renewal options may be available depending on your market. Renewals are treated as new contracts with updated pricing.

During your active term, there are no ongoing management fees. All costs are incorporated into the Contract Price, which is paid by the REZILOANS Team on your behalf — at zero cost to you.

 

A Quick Example

Say you receive Home Price Protection in March. Your contract runs 12 months. At the end of that period, the index for your market has declined past your Trigger but hasn’t reached the Cap — so your payout is proportional to how far the index fell. You receive a cash deposit via ACH within 30 days, calculated based on where the index landed between those two thresholds.

You don’t sell your home. You don’t file anything. You just get paid.

 

Frequently Asked Questions

How often does Home Price Protection pay out?

Once per contract term, at most. Eligibility is assessed on the Expiration Date. If the market index hasn’t declined past the Trigger by that date, no payout is issued.

When will I receive the money if I qualify for a pay out?

Within 30 days of the Expiration Date, via ACH transfer to the bank account you provide.

Do I need to file a claim?

No. Payout eligibility is determined automatically by the index data for your market. You’ll be contacted to confirm banking details, but there’s no claims process.

Do I have to sell my home?

No. The payout is based entirely on index performance, not on whether you sell. For more on this, see Do I Have to Sell to Get Paid?

What if my market drops mid-term but recovers?

What matters is where the index stands on the Expiration Date. A mid-term dip that recovers before expiration won’t trigger a payout. For a simpler breakdown of the timeline, see When Do Payouts Happen?

Can I receive multiple payouts on one contract?

No. Each contract has one assessment at expiration. For continued protection, you’d need a new contract term.

Can I transfer my contract if I sell the home?

Yes — once during the term. You must notify REZITRADE within 30 calendar days of the sale. The new owner becomes the Contract Holder. Important: you must own the property as of the Expiration Date to be eligible for a payout.

Are there ongoing fees?

None. All costs are built into the Contract Price, which the REZILOANS Team covers on your behalf.

How are the indexes calculated?

By an independent third-party calculation agent. Indexes are updated monthly and published within 45 days after month-end.

 

 

Conclusion

Home Price Protection payouts follow a clear, predictable structure: one assessment at the end of your term, based on objective index data, with funds deposited within 30 days if you qualify. No claims, no selling, no guesswork. The REZILOANS Team provides this protection at no cost to you — something no other lender offers. If you have questions about how the timeline works for your specific situation, reach out to the team.