EquityKey - Frequently Asked Questions

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A few of the more common questions about EquityKey^TM:

Who is EquityKey^TM?

EquityKey^TM is a real estate investment company that offers the EquityKey^TM real estate option. EquityKey^TM is owned by KBC Financial Products, a U.S. unit of the $450 billion Belgium-based KBC Bank, one of the world’s leading financial institutions. KBC employs more than 50,000 people and serves over 11 million customers worldwide.

How much money will I receive from the EquityKey^TM program?

For each qualified homeowner, the lump sum offered will be between 10%-15% of the home’s appraised value (20%-30% if 2 qualified homeowners participate).

Example: John and Irma Smith. Their home appraised for $750k. John qualified and was offered a $100,000 lump sum! They will use the money to purchase a life insurance policy to complete their estate planning, and provide peace of mind.*

How EquityKey^TM work?

EquityKey^TM is making an investment in a homeowner’s property. In exchange for an upfront payment, EquityKey^TM receives the right to share in the future appreciation of the property.

How do Homeowners qualify for EquityKey^TM?

Homeowners must be between 65 and 85 years old, and satisfy health standards required by life insurance carriers. EquityKey^TM buys a life insurance policy as part of every transaction. This allows the company to hedge against losses if the homeowner unexpectedly passes away before the property has appreciated. It also gives EquityKey^TM the liquidity to buy the home if the homeowner passes away, ensuring a smooth estate settlement process.

Do I have to pay the money back to EquityKey^TM?

The money you receive from EquityKey^TM is not a loan, line of credit, or debt^** of any kind. EquityKey^TM is purchasing a percentage of the future and unknown appreciation of your home and the money paid to you is yours to keep.

As long as you abide by your agreement with EquityKey^TM you will not have to pay back the money paid to you.

* This is a hypothetical example only. Nothing in this example is intended to provide financial, tax or other estate planning advice. Please contact your financial, tax or other advisor concerning your options and what may be best suited for you.

** Terms & Conditions Apply Qualified Participants Only.

Please email or call us today and see if EquityKey^TM fits your, or your loved ones, financial goals! We specialize in working with estate attorneys, financial planners, business advisors and CPAs.

© 2012 W.J. Bradley Mortgage Capital, LLC 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government.

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