Quick Answer
Home Price Protection (HPP) is an index-based financial contract issued by REZITRADE. An independent third party tracks local housing prices monthly. If the index declines past your Trigger by the end of your term, you receive a cash payout — up to your Maximum Payout. It’s separate from your mortgage and has no impact on your rate, payment, or approval.
What You’re Actually Getting
Home Price Protection is simpler than it sounds. Here’s what it does for you:
✓Cash payouts when your local index declines past the Trigger by the end of your contract term
✓Zero cost to you — the REZILOANS Team covers it on your behalf
✓No impact on your mortgage — terms, rate, or monthly payment
✓Market-based, not property-based — tied to a local housing index, not your home’s appraisal
✓Works for purchases and refinances
Why the REZILOANS Team Offers Home Price Protection
Long-term homeownership has historically been an effective wealth-building strategy. But short-term market uncertainty creates hesitation — especially for buyers worried about timing.
The REZILOANS Team saw this firsthand — qualified buyers walking away from good deals because they couldn’t stomach the risk of buying at the wrong moment. Home Price Protection removes that anxiety by giving you a safety net if the market moves against you.
The REZILOANS Team covers the cost because the incentives line up. Protected buyers feel confident enough to close, and we close more of the deals timing anxiety would otherwise kill.
This protection is powered by REZITRADE‘s platform, and the REZILOANS Team is proud to include it as a complimentary benefit for every client. No other mortgage provider does this.
How Home Price Protection Works
From the moment you close to the day your contract expires, here’s what happens.
Three Key Numbers in Your Contract
Your protection has three key numbers, detailed in the contract documentation issued by REZITRADE after closing:
- Trigger (e.g., -10%) — the index decline that activates a payout. If the index declines less than this by your Expiration Date, no payout.
- Cap (e.g., -20%) — the decline at which you receive your full Maximum Payout. Between the Trigger and Cap, payouts scale with the decline — a steeper drop means a bigger payout.
- Maximum Payout (e.g., $50,000) — the most you can receive, set for you. You receive this full amount if the index declines to or past the Cap.
Protection Is Set Up
The REZILOANS Team includes HPP as a benefit. REZITRADE issues your contract within 45 days of closing, based on verified housing data for your market.
Markets Are Tracked
An independent third-party calculation agent updates your local housing price index monthly. You don't need to track anything — that data becomes your Expiration Date calculation.
Eligibility Assessed
On the Expiration Date, your index is compared to your Trigger. If it's declined past that threshold and you still own the property, a proportional payout is calculated.
You Receive Cash
REZITRADE collects your banking details and deposits funds via ACH within 30 days. No claims, no appraisals, no home sale. Once paid, no clawbacks.
Who Benefits from Home Price Protection
Whether you’re buying your first home or refinancing, Home Price Protection provides a clear safety net when you need it most.
First-Time Homebuyers
Entering the market for the first time. Timing anxiety is the biggest mental hurdle — what if prices drop right after I close? HPP gives you a cash backstop if your local index declines within your first year.
Move-Up Buyers
Rolling equity from your current home into your next one. A correction at the wrong moment can erase years of equity gains. HPP puts a floor under the equity you’re moving forward.
Relocating Buyers
Relocating to a new city or region. You may not know your destination market’s history — and some areas carry more price volatility than others. HPP gives you a cash backstop tied to your new local index.
Refinancing Homeowners
Refinancing your current home. A refinance resets your rate, not your exposure to market declines. HPP protects your equity during the new contract term — same mechanics as a purchase.
New Construction Buyers
Buying new construction with months between contract and closing. Market conditions can shift significantly during the build period. The REZILOANS Team coordinates with your builder so HPP kicks in from day one.
Less than 2 minutes • No credit pull required • A licensed loan officer follows up
How HPP Compares to Other Protections
Borrowers may confuse Home Price Protection with private mortgage insurance (PMI), home warranties, or homeowner’s insurance. They each protect different things in different ways.
| Home Price Protection | Private Mortgage Insurance | Home Warranty | Homeowner's Insurance | |
|---|---|---|---|---|
| Who It Protects | You | The Lender | You | You + The Lender |
| What It Covers | Market value declines | Lender's loss if you default | Appliance & system breakdowns | Physical damage (fire, storms) |
| Cost to You | Zero (REZILOANS covers it) | $30–$300+/month | $300–$600/year + service fees | $1,500–$3,500+/year |
| Claims Process | None — triggered by index | N/A (paid monthly) | File a claim, schedule service | File a claim, adjuster visit |
| Must Sell Home? | No | N/A | No | No |
| Based On | Local market home price index | Your loan-to-value ratio | Individual appliance condition | Individual property damage |
| Affects Mortgage? | No — separate contract | Yes — added to payment | No | Required by the Lender |
From Housing Market Drop to Deposit: What Happens
The setup. A borrower closes on a home in Austin, Texas and receives Home Price Protection through the REZILOANS Team.
Rising rates and economic shifts pressure home values. By month 12, Austin’s housing price index has fallen 15% from its starting value.
Eligibility is based on the index on this specific date. A 15% decline lands halfway between your -10% Trigger and -20% Cap, so you receive $25,000 — half of your $50,000 Maximum Payout.
REZITRADE deposits $25,000 via ACH. The payout is unrestricted cash — use it however you choose.
This is an illustrative example. Actual protection amounts, thresholds, and terms vary by market and are detailed in the contract documentation issued by REZITRADE after closing.
What to Know
The essentials of how your Home Price Protection works and what it covers.
Talk to the REZILOANS Team
We shop 160+ wholesale lenders to find the mortgage that actually fits — and we include Home Price Protection at zero cost to you.
Whether you’re buying or refinancing, we’ll tell you exactly where rates are and what loan makes sense for your property.
Less than 2 minutes • No credit pull required • A licensed loan officer follows up
Learn More About Home Price Protection
Dive deeper into specific aspects of HPP with these guides.
Home Price Protection 101: How It Works
The full mechanics, step by step — from contract setup to payout.
Read More →What Is Home Price Protection & How Does It Help?
What it is, what it isn't, and who benefits most from this protection.
Read More →Home Price Protection Payouts: What to Expect
The payout timeline, calculation method, and what you'll receive.
Read More →HPP vs. PMI vs. Homeowner's Insurance
What each actually covers — and why they're not the same thing.
Read More →Frequently Asked Questions
Answers to the most common questions about Home Price Protection.
Because it solves a real problem for both sides. Timing anxiety is a top reason qualified buyers delay or walk away from a purchase. Home Price Protection removes that anxiety by giving you a defined safety net. The REZILOANS Team covers the contract expense because buyers who feel protected follow through — which is good for our business.
Payout amounts are determined by how far the index declines relative to your Trigger threshold, up to your individually set Maximum Payout. Between your Trigger (for example, -10%) and your Cap (for example, -20%), payouts scale proportionally — the further the index declines, the larger the payout. At or beyond the Cap, you receive the full Maximum Payout. Your specific index, Trigger, Cap, and Maximum Payout are established and detailed in the contract documentation issued by REZITRADE after closing.
Yes. Home Price Protection is provided for both purchase and refinance transactions when you work with the REZILOANS Team. The contract is tied to ownership of the home, so a subsequent refinance during your term does not affect your protection.
The contract can be transferred to the new homeowner. You must notify REZITRADE in writing within 30 calendar days of the sale. The contract can only be transferred once during its term.
Yes. Your Maximum Payout is set individually and detailed in the contract documentation issued by REZITRADE after closing. That amount is the most you can receive, regardless of how far the market declines.
No. Home Price Protection is not an insurance policy. It’s contractual protection based on housing market index movements — calculated by an independent third-party calculation agent on the REZITRADE platform — not individual property values or appraisals. If the index declines below your Trigger on the Expiration Date, REZITRADE pays you directly via ACH. No claims process, no adjusters, no deductibles.
Home Price Protection is available nationwide. A tiered index system provides coverage for virtually every location — metro-level where available, state-level where needed, and a national index for everywhere else.
At the end of your contract term, if no payout was triggered, the contract expires with no further obligation. Renewals are available — at your own expense — and are treated as new contracts with updated terms. REZITRADE will discuss options as your term approaches expiration.
REZITRADE emails your Home Price Protection contract after closing. The contract details your specific index, Trigger, Cap, Maximum Payout, and Expiration Date.
Yes. Homeowners can purchase Home Price Protection directly from REZITRADE.
