it’s your biggest purchase…yet there’s no crystal ball for homeowners

do it with peace of mind
We take the risk out of homeownership…delivering peace of mind for today’s homeowner

Home Diversification

The new frontier in homeownership. No one has a crystal ball that will predict what will happen 2, 5, 10 or more years into the future. Our Home Diversification Agreement – the “Peace of Mind” Mortgage Enhancement Product, enables homeowners for the first time ever to diversify what is often their largest, most concentrated asset – their home.

Everyone Should Diversify Their Home

Owning a home tied to one local market is much like investing in a single stock. Radio Shack, General Motors, Sears are all past members of the world’s most recognized stock index – the S&P 500. A $100k investment into any of these individual stocks in the past potentially returned pennies on the dollars when each was removed due to going out of business or filing for bankruptcy.

Meanwhile, a $100k investment made directly into a highly diversified S&P 500 stock index fund (investing in 500 companies versus just one) potentially tripled in value over a 20-year period. (1996 to 2016)

Real estate is another form of investment. Just like stocks, concentrating one’s largest asset (home) in a single market can lead to bad outcomes – loss of equity, foreclosure, etc.

But an individual with an HDA-covered house in the same exact market and neighborhood can avoid a sizable percentage of those losses compared to their neighbors, given their home price is tied to (exchanged) for a much more stable, less volatile (as much as 62% less), diversified HDC national home price index.

Bottom line, for just pennies per day ($19 per month for the typical $250k home), you protect your largest asset, help maintain the precious equity in your home and the associated future plans you have for it (funding your daughter’s wedding, opening a business, retirement), and provide a much better chance to stay in your home in the future when the unexpected occurs or times get tough.

All You Need to Know

Home Diversification Agreement

Available Feb 2020

Health Insurance

Key Benefits

How the HDA Works

Designed by Divi Den