When you choose a Home Value Investment, you agree to share a portion of your home’s value with a company like RealtyGO.
Here’s a closer look:
# Access your home equity with RealtyGO
We allow you to access up to $350,000 of your home equity up-front. This money is not limited to a specific purpose – you can use it however you want, from debt consolidation to paying off student loans to investing in your future.
# No interest, no monthly fees
Unlike traditional home loans, a Home Value Investment from RealtyGO allows you to obtain funding without monthly fees or interest. You’ll have up to 10 years from today to buy out our agreement with savings or proceeds from a refinance or sale.
# We share the risk
The housing market causes rapid shifts in home equity value, and we will stick with you through the ups and downs. When your home appreciates we share in the gain, and if it depreciates, we also share in the loss.
Receive a Home Value Investment in three easy steps
Get an estimate
Instant pre-approval and a custom quote for financing are free and won’t affect your credit score.
Complete your application
Provide your personal details and tell us the financing amount you need through our secure online portal.
Once your documents are signed and notarized, we’ll transfer your funds within a few days.
Homeowner Protection Program
Our core mission is to help our customers unlock the value of homeownership. We do that by building a long term relationship with our customers, who we call “homeowner partners” and helping them manage and protect their most important asset – their home.
But if 2020 has taught us anything, it’s to expect the unexpected. And that in tough times, we all need a helping hand to get through the challenges life throws at us. In the ups and downs of homeownership, RealtyGO’s Homeowner Protection Program is our commitment to help you manage through those tough times.
As a RealtyGO homeowner partner, if you fall into financial difficulty and find yourself unable to keep up with mortgage or property tax payments, or you need cash to make an emergency home repair such as a roof replacement, we are able to provide you with financial assistance to protect your home through our Homeowner Protection Program.
“Perfect timing of your offer to help!” said Amy, one of RealtyGO’s customers who received a Protective Advance this year. “World class customer service. Many thanks for your help in these tough times!”
This year has been an especially important time for homeowners to have someone in their corner. We’ve been able to help our customers like Arlene pay mortgage payments, property tax bills, and make emergency home renovations and repairs due to a range of emergent circumstances, including home damage, unemployment, small business challenges, and unexpected expenses.
How does the Homeowner Protection Program work?
With RealtyGO’s Homeowner Protection Program program, you can access a Protective Advance of up to $10,000 in additional funds without any ongoing monthly payments. There is an associated rate for Protective Advances, as well as a one-time processing fee. The Protective Advance amount and associated costs can be paid back in full anytime or simply be added to your original RealtyGO Home Value Investment and repaid at the end of the term.
If you are planning to use the funding to make default or delinquent payments, such as mortgage or property taxes, payments will be sent directly by RealtyGO to the institution(s) on your behalf. Otherwise, the funds will be wired directly to you within 3 days of final approval.
How do I request a Protective Advance through the Program?
We’ve made it simple for you to request a Protective Advance through your RealtyGO Dashboard. Log into your account and scroll to the bottom of your Dashboard – in the “Products” section, you’ll find the Homeowner Protection Program.
To submit your request just answer a few quick questions – the reason you’re seeking funds, how you plan to use them, and the total amount you’re seeking – and upload any applicable supporting documents. We’ve got it from there. Our Servicing team will review your request and get in touch with you directly for next steps. While we continue to support our homeowner partners across life situations, we do reserve the right to reject a Protective Advance request.
If you’re a RealtyGO customer, we’d love to answer any questions you might have about the Homeowner Protection Program. Reach out at ownersupport@realtygo.ai, or give our Servicing team a call at 213.235.8554.
See why buyers love RealtyGO Home Loans
RealtyGO Home Loans was great to work with. My purchase was on a very tight deadline and my own work schedule was extremely busy at the time. RealtyGO Home Loans worked around my schedule and still able to get my deal closed with plenty of time to spare.
FAQs
The RealtyGo Estimate factors in more than 500 data points about the market, the neighborhood, and the home itself to arrive at an estimate for 92 million homes across the United States.
You don’t have to spend your valuable time or money on repairs. No time-consuming showings. And, no paying commissions or closing costs.
Once you find a home you love, we have great options. For RealtyGo homes, you’re welcome to buy directly from us or we can pair you with a local buying agent. They’re an experienced agent whose job is to have your best interests in mind and can help as much as you need. Plus, switch agents if you need them. For non-RealtyGo homes, we can pair you with a buying agent with local experts who can provide as much or as little help as you need to create an offer and complete the purchase.
Yes! You can use our app to search for homes owned by RealtyGo and homes listed on the open market. When you schedule a tour of a non-RealtyGo home, an RealtyGo tour assistant will meet you at the home to provide access.
When the time comes to submit an offer, we’ll connect you with a RealtyGo partner agent to represent you. This agent has a great track record of providing excellent customer service. They pay our brokerage a fee for the referral, and then act 100% on your behalf to provide you fully dedicated white glove support. The best part is you’ll receive up to 1% of the purchase price back at closing.
Traditional agents spend most of their time searching for new clients and marketing themselves. Our platform eliminates that need and allows agents to work more efficiently, so they can refund up to 1% of their commission from the sale back to you. This refund is subject to a minimum commission of $3,000 and lender approval.
Yes! We’re thrilled to be able to provide customers with the option to sell directly to us and also purchase their new home at the same time (what we call a trade-in). Here’s how it works:
- Request a competitive instant offer on your current house. We’ll connect you with your dedicated team at RealtyGo who will work with you to coordinate your sale and purchase.
- Once you know how much you can afford, it’s time to find the perfect home! Use our app to browse homes and visit them on your schedule. In select markets, you can tour any home for sale—even if RealtyGo doesn’t own it! When you’re ready to make an offer, you can do it with as much or as little support as you want. Start an offer right from the app and work with an Experience Partner or buying agent to complete your sale.
- Once you’ve found your next home, you can line up your RealtyGo sale close date with the date you’ll buy your new home, and skip the double-moves, double-mortgages, and storage units. Our trade-in program comes with a three-day complimentary Late Checkout to give you extra time to move your belongings into your new home.
The benefits of our trade-in program for sellers means you don’t have to worry about the hassle of listing, stressful home showings, and months of uncertainty. When it comes to buying a home with RealtyGo, it means you can tour RealtyGo homes on your schedule to find the perfect one, and easily make an offer with on-demand support from a top local agent when you need it. The best part is that RealtyGo will help you coordinate your closing dates so you don’t have to pay two mortgages or move twice. You’ll also get a three-day complimentary Late Checkout to give you extra time to move your belongings into your new home. Plus, we can help you save thousands by trading in.
Can I trade-in my home if I am working with a home builder?
Yes, you can! We have the largest network of partnerships with major homebuilders, like Lennar and Toll Brothers. Trading-in your home with RealtyGo allows a smooth transition into your new home.
RealtyGO Story
