What is Home Price Protection?

Home Price Protection is a real-estate option contract that provides a cash Payout if the index-based value of your property declines beyond a defined Trigger by the contract's Expiration Date. It is not insurance.

How is the Payout calculated?

The Payout is based on the difference between the Property Value Trigger and the Ending Indicative Property Value, subject to the Maximum Payout defined by the Property Value Cap. All calculations use the Index tied to your Market.

Do I need to sell my home to receive a Payout?

No. The contract pays based solely on Index performance at the Expiration Date. You are not required to sell the Covered Property Address to receive a Payout if eligible.

When is the Payout assessed and delivered?

Payout eligibility is assessed on the Expiration Date. If owed, the Payout is delivered via ACH within 30 days following the Expiration Date.

Are there ongoing fees?

No. There are no ongoing management fees. All costs are incorporated into the Contract Price paid at purchase.

Can I cancel the contract?

Yes, within five (5) business days of the Effective Date, by providing written notice. You will receive a full refund. After that window, the contract is non-refundable.

Can I transfer the contract if I sell my home?

Yes. The contract is transferable once during the Term. You must notify in writing within 30 calendar days of the property changing hands.

How often is the Index updated?

Indexes are updated monthly and published within 45 days after month-end. The Index calculation agent is Solactive AG.

Is this available in my ZIP code?

Availability varies by market and ZIP code. Contact the REZILOANS Team to confirm eligibility for your specific Covered Property Address.

How do I pay for the contract?

Contracts are purchased using credit or debit cards. Payment is straightforward, with no complex underwriting required.

What happens if the Index increases instead of decreasing?

If the Ending Indicative Property Value is at or above the Property Value Trigger on the Expiration Date, no Payout is owed. The contract expires with no further obligation.

Who holds the contract?

The Contract Holder is the individual or entity named on the contract at the time of purchase or transfer, subject to the contract's transfer provisions.

Is this the same as mortgage insurance or title insurance?

No. Home Price Protection is a real-estate option contract tied to Index performance, not an insurance product. It does not involve claims, underwriting, or loss adjustment processes.

Shield Your Los Angeles Investment: Home Price Protection Against Market Swings

The median home in LA County is $879,000. A 5% correction erases $44,000 in equity. That’s not a bad market — that’s a Tuesday in Los Angeles.

What It Is

Home Price Protection is a contract — provided at zero cost by the REZILOANS Team — that pays you cash if your local market index declines past a defined threshold by the end of your contract term. Not insurance. Not a second lien. A transparent, index-based contract with clear terms.

Why LA Buyers Are Exposed

Between 2022 and 2023, several LA-area ZIP codes saw price corrections of 5–10% from their peaks — driven by rate hikes, not by anything wrong with the properties themselves. Buyers who closed near the top of that cycle absorbed the hit with no recourse. Their lender was protected by PMI. They were not.

Monthly housing costs for a median-priced LA home now exceed $5,900 — an 82% increase since January 2020. Buyers are stretching further than ever to get in, which means a correction wipes out a larger share of what they put down. That’s the exposure Home Price Protection is built to cover.

How It Works in Practice

When you work with the REZILOANS Team, your Home Price Protection contract is provided with three key parameters:

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

Your contract is tied to a market-level housing price index for the area where your property is located — not your individual home’s appraised value or resale price. The platform behind it is REZITRADE, which manages the contract issuance and provides the underlying index suite. The index itself is updated monthly, calculated by an independent third party, and published within 45 days after month-end.

At the end of your contract term (the Expiration Date), if the index for your market has fallen below the Trigger, a cash payout is issued. Between the Trigger and the Cap, the payout scales proportionally — a steeper decline means a larger check. If the index lands at or beyond the Cap, you receive the full Maximum Payout.

Funds are delivered via ACH within 30 days of the Expiration Date. REZITRADE will contact you to collect your banking details; there are no claims, no appraisals, and no requirement to sell.

What Makes This Different from Insurance

Home Price Protection is not insurance. There’s no claims adjuster, no proof-of-loss requirement, and no underwriting process. It’s a contractual agreement based entirely on objective, third-party index data.

You also don’t give up any ownership rights, equity sharing, or appreciation. If prices go up, you benefit from the full gain. If they go down past the Trigger, you get a check. The contract sits alongside your mortgage — it doesn’t change your rate, your monthly payment, or your approval.

And through the REZILOANS Team, it costs you nothing. The team provides this as a complimentary benefit with every loan they originate. No other lender in the Los Angeles market offers this. Learn more about the program on the Home Price Protection program page, or get to know the REZILOANS Team.

Key Contract Details

Transferability: If you sell the home, the contract can be transferred once to the new owner — with written notice to REZITRADE within 30 calendar days of the sale.
Ownership requirement: You must own the property as of the Expiration Date to be eligible for a payout.
No ongoing fees: All costs are built into the Contract Price, covered by the REZILOANS Team.

Who This Makes Sense For in LA

Buyers stretching into the $800K–$1.2M range where even a 5% correction means a five-figure equity hit — and where monthly costs already exceed $5,900.
Westside-to-Valley movers trading a smaller footprint for square footage, often putting their entire previous sale proceeds into the new down payment.
Buyers in recently re-zoned or high-development corridors where new inventory could temporarily suppress existing-home values.
Anyone closing while the Fed is still signaling rate moves — because in LA, a 50-basis-point shift doesn’t just change affordability; it changes comps.

Frequently Asked Questions

Is Home Price Protection available in my LA ZIP code?

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

What triggers a payout?

The index for your market must be below the Trigger threshold on the Expiration Date. Mid-term fluctuations don’t trigger payouts — what matters is where the index stands at the end of the term. For a full walkthrough of the mechanics, see Home Price Protection 101: How It Works.

Do I need to sell my home to get paid?

No. The payout is based on index performance, not on whether you sell. You can stay in your home and still receive cash.

How is this different from PMI?

Private Mortgage Insurance (PMI) protects the lender if you default. Home Price Protection protects you if the market declines. Completely different products serving opposite sides of the transaction.

What if prices go up?

No payout is issued, and you keep the full benefit of any appreciation. The contract expires with no further obligation.

What does this cost me?

Nothing. The REZILOANS Team provides Home Price Protection at zero cost as a benefit of working with their team.

Conclusion

LA’s housing market rewards confidence — but can punishe bad timing. Home Price Protection gives you a defined, contractual backstop against short-term market declines, backed by independent index data and delivered at zero cost through the REZILOANS Team. No other lender in the Los Angeles market offers this. Contact the REZILOANS Team to check eligibility for your property.