Sell and Stay Transactions

Benefits of a Sell-and-Stay Transaction

Maybe you love your property, but you’d also love to take care of some debt. Perhaps you’re looking to downsize or retire, but want to move gradually on your own terms. Or an unexpected life event has you turning to a home equity loan—but you’d rather not take on additional payments.

If you want to stay in your home but also gain flexibility, you may enjoy the benefits of a sell-and-stay transaction like the one at Truehold.

1. Gain Immediate Access to Equity in Your Home

No one’s immune to the stress of homeownership, no matter how hard they work or what precautions they take. But by selling and staying with Truehold, you can gain instant access to the equity you have in your home.

No stressful listings, no open houses, no movers, no more property taxes. With cash in hand, you’ll feel empowered to invest in the future.

2. Avoid the Volatility of the Housing Market

Between shifting interest rates and a historically turbulent housing market, many homeowners feel concerned about the strength of their investment. If you’re spending more time worrying about your home than enjoying it, Truehold’s sell-and-stay transaction can offer relief from everyday stress.

Protect your wealth from an unpredictable market and take control of your finances. We can help move beyond mortgage payments and get on the road to securing your wealth.

3. Start to Build Back Your Financial Life

Truehold takes two nationally recognized and regulated real estate processes, selling a home and renting a home, and combines them so one team can guide you through your transaction stress-free. There are no surprises and complicated calculations that will leave you confused.

Our Truehold Advisors will work with you individually to help determine whether selling then staying is really right for you.

Truehold is made for people like you, no matter your stage in life.

Secure your retirement

Stop worrying about daily expenses and economic fluctuations. Consolidate resources.

Achieve financial goals

Our sell-and-stay transaction can help you pay off debts or navigate major life events like a divorce.

Simplify your move

Lock in a great sale price now and use the proceeds to buy or build a new home on your own timeline.

Age in place

Use your home equity to finance healthcare and other large expenses while staying in a place you love.

Finance your dreams

Get the cash you need for a better future like continuing education or a new business venture.

Maximize home equity

Make a savvy financial choice: sell and stay with Truehold. Unlocking your home's value now can save you thousands in the long-run.

Frequently asked questions

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How long does the sell-then-stay process take?

We understand that you may be looking for a timely solution to a challenging situation, so we’ll get to work right away. As soon as you reach out, our dedicated team of Truehold advisors will begin exploring your best options and developing an actionable plan that helps you move forward, fast. They will walk you through the process of selling your home and then signing a lease, making sure you understand every single step.

Many of our partners have been able to complete their home sale and rental agreement within the span of about 45 days. In some cases, homeowners may be able to complete the transaction in even less time.

Why is Truehold better than other options where you remain a homeowner?

Put simply, sell-and-stay is the simple process of selling your home and leasing it back. Other products like reverse mortgages, home refinancing loans, or HELOCs are complex loans that result in debt. A Truehold transaction results in no debt.

By working with Truehold, homeowners gain access to their home equity in the form of debt-free cash. And, because they make the transition from homeowner to renter, they’re no longer responsible for property taxes, essential maintenance, and homeowner’s insurance fees.

With a reverse mortgage, for example, a homeowner gains access to only 40–60% of their equity in the form of a complex cash loan that carries increasing interest and fees. Because individuals retain ownership in a reverse mortgage or refi scenario, they will still be responsible for property taxes, home maintenance, and homeowner’s insurance. These costs and responsibilities can really stack up. And while homeowners aren’t required to make monthly payments to their reverse mortgage lender, they (or their beneficiaries) will eventually be required to repay the debt—sometimes by selling the home.

How long can I stay in my home when I rent it back?

How long you stay in your home is entirely up to you. As long as you continue to pay rent and comply with the long-term lease agreement, there’s no limit to how long you can rent the property.

Some of our customers see Truehold as a long-term, supportive solution for remaining in the house and community that they love. Others view a sell-and-stay transaction as the first step toward their next adventure.

How are my home's value and rent calculated?

Using best-in-class technology and years of experience in the real estate market, our team of real estate professionals and financial experts will assess the property value of your home and any other owned real estate asset.

Once the value has been established, we’ll calculate a lease payment that aligns with comparable rentals in your area. If you have questions about the valuation process or your leaseback arrangement terms, one of our (real, human) team members is just a call or message away.

What fees will I pay during the process?

Real estate asset transactions can be riddled with fees. At Truehold, we’re committed to keeping as much of your cash in your hands as possible. When you sell your home, you will pay a standard fee of 5.5%. This is typical of a standard home sale.

What is the inspection process?

The inspection process is a standard part of any home sale. We believe that transparency is essential to our process, so we hire a third party expert to conduct inspections before we close.

When we have the full picture of a home’s condition from an independent source, we can arrive at the final price and plan for any necessary repairs.

After closing, who pays property taxes, HOA fees, maintenance and insurance?

After we buy your home, we take on the burdens that come with property ownership—including taxes, insurance, and essential repair costs.

See all FAQs

Take Hold of Your Financial Future, with Truehold

Accessing your home equity has never been easier.

Sell Your Home

Stay as a Renter

Ready to access your home equity?

Benefits of a Sell-and-Stay Transaction

1. Gain Immediate Access to Equity in Your Home

2. Avoid the Volatility of the Housing Market

3. Start to Build Back Your Financial Life

Truehold is made for people like you, no matter your stage in life.

Secure your retirement

Achieve financial goals

Simplify your move

Age in place

Finance your dreams

Maximize home equity

Frequently asked questions

Get your all-cash offer in 48 hours.

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