BUSINESS SUMMARY


HomeInTrust is an innovative, transformative, and disruptive solution to the ability of aging Americans to redefine retirement and finance longevity. It is structurally superior, with significant differentiating advantages for both homeowners and asset buyers, versus anything else in the market.

The already massive and still growing population of seniors face a financial crisis in their golden years. With insufficient personal retirement assets/income, and with public programs (Social Security/Medicare) severely stressed, they lack the financial means to age comfortably and with dignity. With $13.2T (Q1-24) in home equity, seniors simply have no viable choice but to extract cash from their home equity. Many are forced to sell their homes (although they strongly prefer to age in place), or to refinance their homes (if they can qualify and afford new payments).

Reverse mortgages are the only products specifically designed for this senior niche. 1.5M senior homeowners have been helped with the reverse mortgages originated to date, yet market penetration is a shockingly low 2% of eligible households. Reverse mortgage loans are an imperfect solution.

Other equity-based home equity extraction products, although billing themselves as a ‘bridge to a reverse mortgage’, simply do not work for senior customers. They often discount initial appraised values (to protect investor returns), offer very limited access to home equity (+/- 10%), include a date certain (+/- 10 years) when homeowners must sell/refinance to buy investors out. These products are pure HPA (home price appreciation) plays only.

HomeInTrust presents a profoundly powerful alternative. Homeowners sell portions of the home rather than borrowing against it.

This is better for homeowners (same or better dollars, no compound interest with growing loan balances, no default/foreclosure risk, more flexible).

This is better for asset buyers. The asset is a hedge against inflation (grows in value with HPA, unlike loans which decline in real value with inflation).Most notably, our Split Interest structure equates to ‘always buy at a discount, always sell at full value’, delivering improved yields as well as a strong cushion against potential losses in home values. This is much more than an HPA-only opportunity. Collateral is stronger (ownership of residential real estate held in trust, not just liens against those assets).

The HomeInTrust team share extensive histories of home run monetization for earnings and market value. Our ‘secret sauce’ can be demonstrated with extensive materials and financial modeling. We are in the process of raising equity capital for the startup entity, and asset buyers to acquire the assets. We are eager to present to interested investors. Contact:

Founder/Chairman/CEO     bart@homeintrust.com     949-375-0652