How does an HPG contract work?                             
Many homebuyers worry about the possibility of their home price falling causing them to lose money on the resale of their home. The HPG contract allows you to buy your home with the confidence that you will be protected from an extreme price decline.

The HPG contract provides financial protection for you in the event that your home's value has a large decline between the time you purchase the protection and the time you sell your home. There is a one time fee of 1.25% of the purchase price of the home. There are no continuing fees.

You own your home for more than 3 years and you are ready to sell:
If the current fair market value of your home is less than 95% of your original purchase price, HPG will either purchase the house at 95% of the original purchase price or pay you the difference between 95% and your selling price at current market value.*

Example: More than Three Years:
If you buy a home for $300,000 and you resell it at fair market value for $200,000. HPG will pay you $85,000. (95% of $300,000 less $200,000 = $85,000)