Double Market Value Guarantee Terms & Conditions

DOUBLE MARKET VALUE GUARANTEE

TERMS & CONDITIONS
Last Updated: 12/01/2025

These Terms & Conditions (“Terms”) govern the Double Market Value Guarantee (“Guarantee”) offered by The Home Equity Advisory (“Provider”). By submitting information, checking any acknowledgment box, or participating in the offer process, the homeowner (“Homeowner”) confirms that they have read, understood, and agreed to these Terms in full.

IMPORTANT DISCLOSURE (READ CAREFULLY)

This Guarantee does not obligate Provider to purchase the property for double market value.

It only guarantees that Provider will either:

  1. Present a qualifying purchase offer equal to double the Provider-verified market value, or

  2. Present a market-rate cash offer if a double-value offer is not possible.

Either outcome fully satisfies and fulfills the Guarantee.

1. Ownership Requirement

The property must be owned 100% free and clear by the Homeowner submitting the inquiry.

If the property is subject to any lien, loan, mortgage, judgment, tax debt, unpaid contractor claim, divorce claim, estate claim, title defect, or other encumbrance, the Guarantee is void.

2. Definition of “Double Market Value”

“Double Market Value” refers exclusively to the purchase price stated in an offer issued by Provider.

If Provider cannot issue an offer at double the verified market value, Provider may issue a market-rate cash offer, which fully fulfills the Guarantee.

3. Determination of Market Value

Market value is defined solely as the average of two independent appraisals performed by licensed local appraisers selected exclusively by Provider.

The following do not qualify as market value:

  • Online estimates (e.g., Zillow, Redfin)

  • Tax assessments

  • Broker price opinions or CMAs

  • Personal opinions or third-party valuations

Homeowner irrevocably waives all rights to dispute, challenge, supplement, or introduce alternative valuations.

4. Appraisal Verification & Cooperation

Homeowner must grant appraisers:

  • Full access to the property

  • Prompt scheduling

  • Unrestricted completion of their work

Any refusal, delay, interference, or obstruction immediately voids the Guarantee.
Appraisers are selected at Provider’s sole discretion and are not required to be neutral or independent for purposes of this promotional Guarantee.

5. Inspection Requirement

A full inspection by a licensed home inspector selected by Provider is required.

If the inspection reveals undisclosed defects, hazards, structural issues, or material repair needs, the Guarantee is void.

6. Access Requirement

Homeowner must allow full access for:

  • Appraisals

  • Inspections

  • Verification steps

  • Any evaluations required to prepare an offer

Failure to cooperate voids the Guarantee.

7. Offer Fulfillment

The Guarantee applies only to the act of presenting an offer. It does not apply to:

  • Acceptance

  • Closing

  • Payment

  • Financing

If a double-value offer is not possible, a market-rate cash offer satisfies the Guarantee.

8. Verbal Offer Presentation & Call Recording

Provider may present qualifying offers verbally during a recorded call.

By participating in a call with Provider, Homeowner consents to the recording to the extent permitted by law.

A qualifying offer presented verbally during a recorded call constitutes valid presentation of the offer for purposes of fulfilling the Guarantee.

9. Written Confirmation Email

After a verbal offer, Provider may send a written confirmation via email, text, or other electronic delivery.

This confirmation:

  • Documents the verbal offer

  • Is considered part of the Guarantee fulfillment

  • May instruct the Homeowner to accept or decline

Failure to respond within the stated timeframe in the confirmation constitutes a refusal of the offer and satisfies the Guarantee.

10. Verbal Refusal & No Written Delivery Requirement

If Homeowner verbally refuses a qualifying offer during a recorded call, Provider is not required to deliver the offer in writing.

A verbal refusal captured on a recorded call, after disclosure of recording, constitutes:

  • Refusal of the offer, and

  • Fulfillment of the Guarantee

11. Documentation of Refusal

Refusal may be documented by:

  • Recorded verbal refusal

  • Written or electronic acknowledgment

  • Other verifiable communication records

Once refusal is documented, Provider has no further obligation to issue, deliver, or resend the offer.

12. Offer Acceptance Requirement

If Provider presents a qualifying double-value offer and Homeowner refuses it—verbally, in writing, or by inaction—the Guarantee is immediately void.

The fallback market-rate cash offer applies only if Provider cannot issue a double-value offer, not if Homeowner declines one.

13. No Prior or Competing Offers

The Guarantee does not apply if the Homeowner has accepted another offer (verbally or in writing) before:

  • Completion of both appraisals

  • Completion of the inspection

  • Provider’s offer presentation

14. Property Disclosure Requirement

Homeowner must disclose all known issues, including but not limited to:

  • Structural or foundation problems

  • Water damage or mold

  • Roof damage

  • Plumbing or electrical defects

  • Unpermitted renovations

  • Code violations

Failure to disclose any material condition voids the Guarantee.

15. Condition Consistency

The property must remain substantially the same from appraisal through offer presentation.

Any damage, deterioration, or removal of fixtures voids the Guarantee.

16. Occupancy Requirement

The property must be:

  • Owner-occupied, or

  • Vacant and fully accessible

Properties with tenants, squatters, evictions, or uncooperative occupants are not eligible.

17. Probate & Shared Ownership

Properties involved in probate, estates, shared ownership, divorce, or family disputes are eligible only if all parties provide written consent.

Absent such consent, the Guarantee is void.

18. No Shortcut Sales

Accepting any offer before completion of appraisals and inspections voids the Guarantee.

19. Guarantee Expiration

The Guarantee expires 30 calendar days from the earlier of:

  • Initial inquiry, or

  • Submission of contact information

Failure to complete required steps within this timeframe voids the Guarantee.

20. Proof of Fulfillment

Provider’s obligation is fulfilled once:

  • A qualifying offer is presented verbally during a recorded call and refused, or

  • A written double-value or market-rate cash offer is delivered electronically

Electronic delivery constitutes proof of fulfillment whether or not Homeowner opens, reviews, or acknowledges it.

21. Non-Transferability

This Guarantee applies only to the original Homeowner who submitted the inquiry and is non-transferable.

22. Homeowner Cooperation Clause

Homeowner must respond to communications, sign required documents, and cooperate with scheduling.

Unresponsiveness or delay voids the Guarantee.

23. Fraud & Misrepresentation

Any misrepresentation, falsified document, withheld information, or attempt to manipulate the process immediately voids the Guarantee.

24. Legal Compliance

This Guarantee is subject to applicable federal, state, and local laws.

If any provision is restricted or prohibited, it shall be modified to remain enforceable.

25. No Obligation to Purchase

Nothing in this Guarantee obligates Provider to:

  • Buy the property

  • Enter into a contract

  • Proceed to closing

Only the act of issuing or presenting an offer is guaranteed.

26. Limitation of Liability

Provider is not liable for:

  • Homeowner expectations

  • Decisions made based on the Guarantee

  • Damages, losses, or delays

  • Third-party actions or errors

27. Bad-Faith Conduct Clause

Any conduct that materially interferes with, delays, or undermines the valuation or offer process, as determined solely by Provider, voids the Guarantee.

28. Refusal Protection Clause

If a qualifying double-value offer is presented and refused:

  • The Guarantee is void

  • Provider has no obligation to continue evaluations

  • Provider is not responsible for incurred third-party costs

29. Force Majeure

The Guarantee is void if circumstances beyond Provider’s control prevent completion, including natural disasters, government actions, pandemics, or civil unrest.

30. Governing Law & Venue

These Terms are governed by the laws of New Hampshire.

Any dispute shall be brought exclusively in the state or federal courts located in New Hampshire, and the parties consent to jurisdiction and venue therein.

31. Severability

If any provision is held unenforceable, the remaining provisions remain in full force and effect.

32. Third-Party Reliance Disclaimer

Provider is not responsible for errors, delays, or failures caused by appraisers, inspectors, contractors, or vendors.

33. Non-Reliance Disclaimer

Homeowner acknowledges that no verbal statements, advertisements, or marketing materials outside this document are binding or relied upon.

34. No Tax or Financial Advice

This Guarantee does not provide tax, legal, or financial advice. Homeowners should consult their own professionals.

  1. No HOA

    Any property that is part of a HOA is not eligible.

  2. Only Residential Properties are eligible

    No commercial properties or mixed-use properties are eligible for this guarantee.

  3. No property with more than four units is eligible for this guarantee