NatEquity’s mission is to provide senior homeowners responsible access to their home equity to relieve financial stress while allowing them to age in place with the assurance of additional lifetime monthly income and the knowledge their home will be maintained. Homeowners do not willingly give up part of the equity in their home unless financial needs arise that they cannot handle. These cumulative triggers ultimately create the tipping point: leaky roof, failing refrigerator, mounting dental work, need to support a family member. We are seniors who understand the needs of other seniors.

30-years ago NatEquity’s founders created Transamerica HomeFirst and patented proprietary jumbo lifetime income and line of credit/lump sum reverse mortgage products. The lifetime products were what seniors want and outsold the lump sum products 15::1. In recent years lifetime products have been abandoned in favor of lump sums allowing homeowners to refinance or fund a splurge.

The time has come to reintroduce products that give homeowners the upfront money for a “fresh start” and then provides monthly additional cash for as long as they live in their home. We have and will introduce other products, but first we will serve the coastal California markets we understand and where we live.

The concept is simple: NatEquity agrees to buy half or more of your home at its today appraised value. When the home is sold, we share in our part of each home’s appreciated future value, but capped at 4% cumulative appreciation. Along the way our homeowners live in an improved home and receive cost of living adjusted monthly income. NatEquity will be there along the way to help when needs arise. Half of each home’s future value is protected for heirs.

NatEquity’s scientific contribution is to advance the accuracy of our algorithmic model to predict the morbidity and mortality of seniors over age 65 by model updates funded through a National Institute of Health Grant. This unique IP was developed using data from the National Long Term Care Survey that began in 1982. Using 2007 published source material from the North American Actuarial Journal this model, named Longevity Cost Calculator (LCC), is used to price contracts and “Net Present Value” the future cash flows in longevity dependent asset securitizations. This methodology was first presented to the SEC in 2009 and peer reviewed and published in 2011. This methodology is integral to SEC Rule 2a-5, effective September 8, 2022, for valuing Level-3 longevity dependent assets by companies and securities sold in the United States.