Historically, innovation in home financing has been based on interest charges and payment options.  With the REX Agreement, we’ve eliminated both.  In fact, the REX Agreement is not debt of any kind.  Convert a portion of your home equity to cash today, with no interest charges and no new monthly payments. The cash you receive can be used for any purpose. Imagine the possibilities!


The REX Agreement is a smart new way for homeowners to convert a portion of their home equity to a lump-sum cash payment today.  The cash you receive can be used for any purpose, including reducing debt, remodeling your home, planning for retirement, taking a dream vacation, paying for a child’s education or anything else you can imagine.  Best of all, you pay no interest charges on the money you receive, and you make no monthly payments to FirstREX for the life of the REX Agreement.



At the start of the REX Agreement your home’s value is determined by an independent appraiser.  You decide how much of the future change in value of your home you would like to share with FirstREX, from 20% to 50%.  The amount of the lump-sum payment you can receive from the REX Agreement is based on the value of your home, the share you choose, the condition of your property and a review of your financial history.  At the end of the REX agreement, which typically occurs when you decide to sell your home, FirstREX receives a payment based on the value of your home at that time.  If your home increases in value we typically share in the gain.  If your home decreases in value, we typically share in the loss.  It’s that simple.



The REX Agreement is ideal for some people, but not for others.  Homeowners with equity and good credit who have a need for cash, but don’t want to take on more debt or make monthly payments, may find it to be a perfect solution.  It is also a good way for homeowners to diversify their assets by moving some of the net worth locked up in their home into other investments.  If you are planning on selling your home in the next few years, think home prices are going to rise substantially, or have no concerns about taking on more debt, the REX Agreement may not be the best choice for you.  Find out more about the REX Agreement and pre-qualify today.

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Ron D., Daly City, CA

January 16th, 2015|Comments Off

The REX Agreement is a godsend – it has allowed me to pay down my debt and start an education fund for my daughter. I don’t know how else this would have been possible without me incurring more debt. I recommend that everybody whose home equity represents a significant portion of their net assets consider the REX Agreement.

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George L., Sunrise, FL

January 16th, 2015|Comments Off

FirstREX worked very closely with me and treated me very fairly.  For us retired folks, what a great way to tap the equity of your home without creating debt or monthly payments.  Now I have the peace-of-mind that I can afford the lifestyle to which I have become accustomed.  And, when I end the REX Agreement, I know there’s no way the equity in my home will be eroded.  The REX Agreement was the best financial decision I have made in my 72 years of life.

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Chris and Stacy R., Monroe, WA

January 16th, 2015|Comments Off

The REX Agreement was an easy decision for us.  We had recently remodeled our home and took out a home equity loan to finish it.  The home equity loan payment was just too much for us to handle, not to mention the credit cards we wanted to pay off.  After we read about the REX Agreement in our local newspaper we sent for more information.  A representative called us that same day.  The transaction was very simple and once approved we were able to pay off the credit cards and most of the home equity loan.  Now we can handle […]


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About FirstREX

Golden Gate Bridge

FirstREX is a San Francisco-based consumer solutions company dedicated to providing homeowners with smart new financing alternatives and more control over their financial lives without the use of debt.  We are not a lender or a bank.  We have earned national recognition from prominent newspapers and magazines including the Wall Street JournalBusiness Week and the New York Times.