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Reverse Equity Annual Lease
The Reverse Equity Annual Lease (REAL) program gives homeowners a powerful way to tap into their home’s equity—without giving up long-term control. With REAL, you can unlock the value of your property while staying in your home under flexible lease terms, and even maintain the option to repurchase it in the future. It’s financial freedom with built-in flexibility.
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REAL Program Information
The Reverse Equity Annual Lease (REAL) program is a unique financial solution that empowers homeowners to unlock the equity in their homes—without selling or taking out a traditional loan.
With REAL, you can convert a portion of your home’s equity into cash while continuing to live in your home as a tenant, giving you financial flexibility when you need it most.
Whether you're facing unexpected expenses, working to restore your credit, or need immediate funds to avoid foreclosure, the REAL program offers a clear path forward—without the complexity or stress of traditional lending.
- Access Equity Without Selling: REAL gives you the ability to turn your home’s equity into usable cash—without putting your home on the market. Use those funds to catch up on bills, pay off debt, rebuild your credit, or cover emergency expenses.
- Stay in Your Home, Maintain Control: You remain in your home throughout the lease period, retaining the comforts of familiar surroundings and the potential for future equity appreciation.
- Flexible Lease Terms: Lease durations typically range from 6 to 24 months, providing you with breathing room to stabilize your finances—and the opportunity to repurchase your home when you’re ready.
- Fast, Hassle-Free Process: Unlike traditional loans, REAL doesn’t require a credit check or mountains of paperwork. The process is streamlined, allowing for quick access to funds when timing matters most.
- Personalized Consultation: It all starts with a conversation. We’ll listen to your financial needs, explain the REAL program in detail, and answer all your questions—ensuring you feel informed and confident in your decision.
- Home Equity Evaluation: Our team will assess your home’s current market value and available equity. This helps determine how much cash you can access through the REAL program.
- Tailored Lease Agreement & Cash Disbursement: Once the equity amount is confirmed, we’ll collaborate with you to define lease terms that match your goals and align with the lender’s requirements. A portion of your home’s equity is then placed in an escrow account to cover your monthly lease payments—keeping the process structured and transparent.
- Lease Period: You continue living in your home as a tenant, making regular lease payments from the escrow account. You retain the comfort of your space and stability during this time.
- Repurchase Option: At the end of your lease, you’ll have the option to repurchase your home. This gives you the opportunity to regain ownership and benefit from any value your property may have gained during the lease term.
If you're looking for immediate financial relief while staying in your home, the REAL program offers a powerful alternative to selling or refinancing. It provides the time, stability, and support needed to regain financial control—on your terms.
At Bravo Mortgage, we’re here to guide you through every step with care, clarity, and confidence. Let’s explore how the REAL program can work for you.
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We understand that every dream is unique and personal. If you're ready to take the next step or simply have questions.
