An option to upgrade, with zero cash

YOUR home is many things. It is shelter from the heat and rain. It is a place to raise a family and grow old. It's yours. You own it. Ownership means your home is also a storage of financial wealth.

In essence, when you go to bed at night, you are sleeping in a vault. As you sleep, your home accrues value. The walls might as well be made of gold.

Over the course of many nights, the market price of your home appreciates and you accumulate wealth in the form of unre…