Valshield Express Contracts are designed to deliver quick turnaround cash to assist homeowners to accomplish short-term transitions.
Getting Around the Contingent Sale Hurdle
A homeowner wants to buy a better home but does not have the money for the down payment until they sell their old home because the homeowner cannot afford to be paying two mortgages at the same time.
A Valshare Express contract creates the cash to buy the new home so the owner can move now. It also pays the fees, principal, interest, tax, and insurance (PITI) costs of the old home until it is sold, typically in 90 days to one-year.
The proceeds from the home sale are used to pay off the Valshare Express contract costs. Any excess proceeds are given to the homeowner.
This product is particularly useful for mortgage brokers seeking to help their clients complete their home purchase.
Preserving Neighborhood Character When Leaving a Home Permanently
Whether for loss mitigation or other personal reasons, sometimes a homeowner just wishes to vacate and move on. Valshield believes that the timing and ease of the exit should be as gentle on the homeowner as possible.
A Valshare Express contract creates the opportunity for debt creditors and the homeowner to exit on their better terms instead of facing the stresses of foreclosure. This gives the owner a better chance at selling the property at full market value instead of at a distressed discount.
A Valshare Express contract creates the cash to pays the fees, principal, interest, tax, and insurance (PITI) costs of the old home until it is sold, typically in 90 days to one-year.
The proceeds from the home sale are used to pay off the Valshare Express contract costs. Any excess proceeds are given to the former homeowner.
This product is particularly useful for government agencies and debt servicers seeking to avoid detrimental foreclosure waterfall outcomes.
This product can also be used by community organizations to help steer the transitioning property to desired community outcomes to preserve neighborhood character; for instance, as a mechanism to ensure that low-moderate income and first-time buyers are the new owners of the vacated property.
Evergreen Use of Investment Capital
Valshare Express Contracts are typically expected to last 90 -to-180 days during the ownership transition period of the homeowners.
The need to bridge home switching and home exits is a constant artifact of the housing market so this need is an evergreen business case.
This makes these instruments ideal for investment funds looking for multiple turnover events on capital per year.