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Maintain accurate home records to showcase your property's value and unlock its full equity potential.
Explore Our Submission Process Here.
Registered by thousands of property owners with over one billion verified records under management
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Ensures transparency and adds value to your property by validating the quality and compliance of work done.
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Step 1: Pick a Plan | Get the Unique Homifax Asset Identifier IDChoose a Homifax plan that fits your coverage needs (like pay as per verification, annual fix rate, 10 year lock in rate more protection from rising cost).
Step 2: Learn the Portal
Get familiar with the Record Submission Portal where you’ll upload property records. Understand the basic categories (like repairs or upgrades) to make submission easy.
Step 3: Add Property Info and Records for Verification & Attestation
Enter your property’s details (like address and type) into the portal. Then gather past records (repair receipts, renovation invoices, etc.) and upload them for our verification team to review and get verified stamps on the records.
TRY OUR EZ SUBMISSION PROCESS
Step 4: Receive your free mail in Service Sticker Roll once you complete your first 30 submissions.
We make it even easier for you. let service and maintenance personnel upload the records for you with our site scan & fill stickers. Just notify them up submit their proof of works for you
To maximize your Homifax Verified Property Value and Report, follow these steps. Consistent updates and detailed records enhance your property’s market value and premium appeal, benefiting you in future asset sales, loans, mortgages , and insurance.
Tip 1: Submit Records Regularly
Frequently update your Homifax account with property records—like repairs, renovations, utility upgrades, or inspections. The Homifax system tracks these details to provide insights and spot potential issues, giving you better maintenance options and boosting value.
Tip 2: Keep Records Diverse
Don’t limit yourself to one type of record. Include a mix—maintenance receipts, renovation invoices, pest control reports, and more. This variety helps Homifax build a full picture of your property’s condition, making your report more reliable and impressive.
Tip 3: Add Proofing Media
Always include proof like photos, receipts, or certificates with your submissions. This solid evidence strengthens your report’s credibility, which buyers, lenders, and insurers value highly.
Tip 4: File Records Promptly
Minimize the gap between when a service or upgrade happens and when you upload it. Filing close to the actual date keeps your data accurate and current, a key factor for 90% of Homifax buyers who rely on these metrics.
Why It Matters
73% of Homifax buyers look at these report details to confirm the acquisition of an asset. Plus, 67% of loan officers and insurance companies use this info to lower your interest rates and premiums. A well-optimized report proves your property’s worth, reduces risks, and saves you money over time.
Your Homifax Verified Property Value and Report is a valuable asset that can enhance your property’s appeal and save you money. Here’s how to use it effectively:
A : For Selling
Showcase your property’s value with a Homifax verified asset report. Buyers are drawn to well-maintained homes, and our verified records.
B : For Financing
Use your report when applying for a mortgage or refinancing. Shaved thousands on interest payment
C : For policy and rate adjustment
Better asset rating and records, better premium
D : For Safety & Peace of Mind
Tap into insights from your Homifax Report. It tracks details like repairs and upgrades, helping you plan maintenance smarter. This keeps your property in top shape, preserves its value, and avoids expensive repair & damage down the road.
E : For Asset Social Proofing | Build Credibility with Proof
Keep your report robust with proofing media (photos, receipts) and regular updates. This level of detail builds trust with buyers, lenders, and insurers, giving you a strong advantage in any transaction.
Boost Property Value: Verified records can showcase a well-maintained home, making it more appealing to buyers and potentially increasing its market value by demonstrating a clear history of upkeep and improvements.
Simplify Sales Process: Having a verified report streamlines selling by providing buyers, realtors, or banks with trusted documentation upfront, reducing delays or disputes over property details.
Lower Insurance Costs: Accurate, verified records can lead to better insurance quotes, as insurers may view a documented property as lower risk, potentially saving on premiums.
Access to Discounts and Rewards: Verification services often offer perks like local service coupons, maintenance discounts, or rewards programs, helping homeowners save on home-related expenses.
Protect Against Fraud: Confirm ownership and provide accurate property details, minimizing the risk of fraudulent claims or disputes, particularly with inherited or complex titles. Real-time monitoring for malicious liens on the asset further enhances security by alerting owners to unauthorized encumbrances promptly.
Enhance Transparency for Contractors: When hiring contractors, verified records provide clear property data, helping professionals deliver precise quotes and services without guess work.
Prepare for Financing: Lenders often require detailed property records for mortgages or home equity loans; verified reports can expedite approvals by ensuring all information is accurate and readily available.
The Advance Intelligence Asset Shield leverages machine learning, time-series analysis, and data integration to provide a dynamic, forward-looking approach to asset protection. Unlike the Basic Asset Shield, which analyzes current records to report immediate asset conditions (e.g., detecting a current maintenance issue), the Advance version processes a broader dataset—including historical property records, real-time IoT sensor data, market trends, and external factors like environmental risks—to predict future risks and opportunities.
Its key functionalities include:
Predictive Risk Assessment: Uses AI algorithms to forecast potential threats to property value, such as structural degradation, market downturns, or regulatory changes. Example: Predicts a 65% likelihood of roof damage within 18 months based on weather patterns and maintenance history, enabling preemptive repairs.
Forecasting for Strategic Planning: Generates long-term projections of asset performance, maintenance costs, and resale value. Example: Forecasts a 10% increase in property value over 5 years if energy-efficient upgrades are implemented, based on market trends and utility records.
Enhanced Verification Integration: Seamlessly integrates with Homifax’s Verified Property Reports, ensuring predictions are grounded in validated data (e.g., 36 months of maintenance records, 18 months of utility usage, and Certificates of Good Standing).Enhances transparency for buyers, lenders, or insurers by providing predictive insights alongside verified records.
Real-Time Decision Support: Delivers actionable recommendations via a user dashboard, such as scheduling maintenance during low-cost periods or adjusting insurance coverage before a predicted risk event. Example: Suggests increasing flood insurance coverage 6 months before a predicted high-risk rainy season.
Additional Layer of Protection: Acts as a digital “shield” by monitoring and flagging unauthorized access attempts to property records, ensuring data privacy and security. Example: Alerts the owner if a third party queries their Verified Property Report without consent, preventing phishing or fraud.
* One time permanent enrollment fee
* Due at sign up for new property
* Please prepare home record documents for verification before paid for the service
* For home under 3,800 sq.ft of living space
*$1 per additional sq-ft of living space for activation & innitiation fee | due at sign u
- Fee covers:
- Homifax Unique Asset ID Issuance
- Ownership transfer
- Previous user pull up check
- Setup fee
- 30 initial back date records filing, $5 per additional back date records filing
- Annual Verification & Rating Fee Protection
- Homifax Active Lien Monitoring
- 5 years cold records and data protection.
- Notice: all account enrollment using bank or insurance carrier request code will not receive Homifax credit tracking and will not be able to receive perks and discounts.
*Billed later annually, plus applicable taxes
* Pricing applicable to US, Canada, UK and Australia properties
- Basic Includes:
- Up to 50 records verification request per annum
- Cover property up to 3,800 sq.ft living space
- Unlock discounts home service deals after 2nd term
- Unlock Zero fee verified landlord account after 3rd term
- Homifax points stacking
- Annual record summary
- Plus 2.5% net report transfer commission after sale of asset - buyer responsibility
- *Approval process may takes up 24 hours during business hours.
**Published Homifax Verified Property Report only available after one fiscal year completion or when the Report has accrued over 100 verified records.
***Report Active ranking is renew after each year and is not permanent.
*$420 | Billed once annually, plus applicable taxes
* Pricing applicable to US, Canada, UK and Australia properties
* For home under 3,800 sq.ft of living space
*$1 per additional sq-ft of living space for activation & innitiation fee | due at sign up
- Everything in Basic, plus:
- Activation & Commitment Fee Waived
- 5 Years Cold Data Storage *Low Energy Report Initiative
- Unique asset upload link for verification
- Up to 100 records verification request per annum
- $3 for each additional verified record submission *charged on the next billing cycle
- 6% APY with mininum 3 record update per month or 8% with 7 minimum records per month
- Earn back on each report sold on Homifax Verified Report Hub capped at original service acquired value.
- Unlock discounts home service deals after year 3 of Actived Verified
- Unlock Zero HMLS listing after 3rd year of Active Verified
- Homifax Personal Credit Monitoring with combined Homifax asset tracking services
- Free & discounted home test kit
- Homifax Asset Shield
- Built in Umbrella Policy
- Account Rollover
- Asset Sponsored Listing
- Mail-in Service Identification Tags
- *Approval process may takes up 24 hours during business hours.
**Published Homifax Verified Property Report only available after one fiscal year completion or when the Report has accrued over 100 verified records.
***Report Active ranking is renew after each year and is not permanent.
*billed later annually, plus applicable taxes
* Pricing applicable to US, Canada, UK and Australia customers
- Basic Includes:
- Up to 50 records verification request per annum
- Cover property up to 3,000 sq.ft living space
- Unlock discounts home service deals after 2nd term
- Unlock Zero fee verified landlord account after 3rd term
- Annual record summary
- *Approval process may takes up 48 hours during business hours.
**Published Homifax Verified Property Report only available after one fiscal year completion or when the Report has accrued over 100 verified records.
***Report Active ranking is renew after each year and is not permanent.
*billed once annually, plus applicable taxes
* Pricing applicable to US, Canada, UK and Australia customers
- Everything in Basic, plus:
- $1 per additional sq-ft of living space
- Cover property up to 6,000 sq.ft living space
- $150 - Activation & Commitment Fee Waived
- 5 Years Cold Data Storage *Low Energy Report Initiative
- Unique asset upload link for verification
- Up to 100 records verification request per annum
- $3 for each additional verified record submission *charged on the next billing cycle
- 6% APY with mininum 3 record update per month or 8% with 7 minimum records per month
- Earn back on each report sold on Homifax Verified Report Hub capped at original service acquired value.
- Unlock discounts home service deals after year 3 of continuous service
- Unlock Zero HMLS listing fee after year 3 of continuous service
- Homifax Personal Credit Monitoring with combined Homifax asset tracking services *optional enrollment
- Access to Homifax Private Investment Hub after 3rd year tenure
- Guarantee average 3-5% net property value yield
- *Approval process may takes up 48 hours during business hours.
**Published Homifax Verified Property Report only available after one fiscal year completion or when the Report has accrued over 100 verified records.
***Report Active ranking is renew after each year and is not permanent.
HOMIFAX Verified Property | Owner Tier
Homifax introduces a dynamic Property Rating system—Class C, B, A, and A+—designed to reflect the quality, performance, and verified value of registered properties worldwide. Unlike traditional real estate classifications that rely on rigid checklists or physical attributes alone, Homifax’s ratings are derived from the cumulative sum and average performance metrics of all properties in its ecosystem. This innovative approach aggregates data from verified records—such as ownership history, maintenance logs, rental income, and financial stability—evaluated across millions of Homifax-registered homeowners, landlords, and tenants. The result is a holistic, data-driven rating that signals an asset’s standing relative to the global Homifax community, empowering owners to boost their property’s net asset value through best practices rather than a prescriptive formula.
Class C: Baseline Performers
Class C properties represent the entry-level tier within Homifax’s system, typically scoring in the lower range of the sum-and-average metrics across registered assets. These properties may have minimal verified records, inconsistent upkeep, or limited financial performance data (e.g., sporadic rental income or unresolved disputes). While functional, Class C assets often reflect deferred maintenance or outdated documentation, resulting in lower perceived value among lenders, appraisers, or prospective buyers. For tenants, a Class C rating might indicate a landlord with basic compliance but little transparency beyond legal minimums. Owners of Class C properties still benefit from Homifax’s verification platform but have significant room to grow their asset’s equity and market appeal.Class B: Solid Asset
Class B properties sit comfortably in the middle tier, outperforming Class C by demonstrating a stronger average in verified metrics like consistent maintenance, stable rental yields, or reliable ownership records. These assets are well-maintained with moderate documentation—think 12-18 months of utility and upkeep logs or a single Certificate of Good Standing. Class B properties appeal to working-class tenants or practical investors, offering dependable value without the premium of higher tiers. For landlords, this rating reflects a balanced approach to transparency and care, often unlocking modest equity gains or better financing terms. It’s a stepping stone—proof of effort that positions owners closer to elite status.Class A: High Value Property
Class A properties rank in the upper echelon, reflecting above-average performance across Homifax’s global dataset. These assets boast extensive verified records—typically 36+ months of maintenance, billing, and utility data, plus at least one 18-month Certificate of Good Standing. They showcase superior upkeep, robust financials (e.g., steady rental income or equity growth), and proactive ownership. For homeowners, Class A status signals a premium asset that commands higher resale value or rent premiums; for landlords, it attracts high-credit tenants and strengthens creditworthiness with financial institutions. This tier embodies Homifax’s promise of turning diligence into dollars, often contributing to the $150 billion in cumulative asset value growth Homifax has unlocked for millions worldwide.Class A+: Pinnacle Home
Class A+ is the pinnacle of Homifax’s rating system, reserved for the top percentile of properties that far exceed the average sum of registered assets. These elite properties feature exhaustive, impeccable records—60+ months of detailed logs, multiple Certificates of Good Standing, and consistent uploads of add-on assets (e.g., vehicles or upgrades). They demonstrate exceptional financial performance, minimal risk, and maximum transparency. Class A+ assets are market leaders, yielding the highest dividends through Homifax’s Verified Report brokerage, securing top-tie financing, and enhancing net asset value by tens of thousands—sometimes up to $100,000—depending on previous assessed worth. This is Homifax’s gold standard, a testament to owners who dare to care.
Homifax does not provide a rigid checklist to achieve a specific class rating, reflecting its philosophy that asset value emerges from organic, owner-driven effort rather than a one-size-fits-all mandate. Instead, ratings stem from a proprietary algorithm that calculates the sum and average of key performance indicators across all registered properties.
These include:
Record Volume and Quality: The depth and accuracy of submitted records (e.g., maintenance cycles, billing history).
Financial Metrics: Rental income consistency, equity growth, or recovered earnings.
Compliance and Transparency: Certificates of Good Standing, absence of warning check marks, and adherence to Homifax’s Terms of Service.
Engagement: Frequency of updates and interaction with Homifax’s platform (e.g., tenant vetting or report releases).The system benchmarks each property against the global & regional pool—updated continuously, ensuring ratings reflect real-time trends among millions of users.
While Homifax avoids a strict play book, it offers a flexible Best Practices Guideline to help owners maximize their Verified Report value and elevate their net asset value. Key recommendations include:
Consistent Recordkeeping: Upload detailed, verified records annually—maintenance logs, utility bills, and proof of upgrades (e.g., before-and-after photos)—to build a robust history. Aim for at least 3 records per month, scaling to 5+ months for A+ potential.
Proactive Maintenance: Address repairs promptly and document them, avoiding deferred maintenance that drags ratings down to Class C. Financial Transparency: Report steady rental income or equity gains, leveraging Homifax’s tools to recover losses (like shady landlord practices) and showcase stability.
Engage the Ecosystem: Use Homifax’s tenant vetting, referral programs, or Verified Report commercialization to enhance credibility and engagement scores.
Avoid Falsification or Misclassification: Per Homifax’s Terms of Service, truthful submissions are critical—misrepresentation risks warning check marks, lowering ratings and value.
Adhering to these practices doesn’t just chase a letter grade—it amplifies real-world outcomes. A Class C property might stagnate, but a Class B owner could unlock modest savings (e.g., avoiding3% payment fees with direct deposits). Class A status might secure a lender’s trust, boosting equity by thousands, while A+ properties join the elite contributing to Homifax’s $150 billion asset value surge. Each step up the ladder enhances marketability—buyers pay premiums for A+ transparency, tenants favor B+ landlords, and banks reward verified performance with better rates. Homifax’s lack of a checklist empowers owners to tailor efforts to their asset’s unique strengths, driving organic growth that’s reflected in both rating and net worth. This system isn’t static—ratings evolve as owners act. A Class C today could be Class A tomorrow with more diligence, mirroring Homifax’s mission to turn verified effort into verified wealth for millions globally.
Class B Rating
- Local Discount Service Coupons
- Join Free Home sponsored Improvement Reward Program
- Homifax High Value Asset Bundle Discount
- Annual test kit discount for the home ( Mold Test Kits , Water Quality Test Kits, Radon Test Kits, Asbestos Test Kits, Lead Test Kits, Air Quality Test Kits, Gas Leak Test Kits, Electrical Test Kits, Moisture Test Kits, etc. )
- Property Loss & Casualty Reimbursement (Record Insurance Premium )
-sponsored future HMLS listing
For Class A & Class A+ Rating
Everything in Class B plus :
- Invitation to join Homifax Home Improvement Spend Card Program with low APR
- ZERO commission & listing fee for Sale & rental listing on HMLS
- 2X Property Loss & Casualty Reimbursement
- Complimentary In Person Home Inspection
More than just a verification report—it's a smart investment account in better home record management with big returns for your property
What our current clients say about us
We recovered 40% of our Homifax tracking fees due to robust interest in our verified report, which also boosted our home’s appraised value by $40,000, enhancing its market appeal
Our brand-new Lennar-built home came with a Homifax-verified report, a thoughtful gift from the builder and developer that introduced us to Homifax and enhances our home’s value
We received a better insurance rate through Homifax’s Smart Notification Hub, saving $800 on our new homeowners policy
Although the onboarding process may take some time, Homifax’s record submission is incredibly user-friendly. Even as someone who’s not a mobile app fan, I find it seamless
Our home did get burnt down due to electrical failure, and Homifax did reimburse our total spending in a blink of an eye. faster than any other claim settlement i have ever encounter before
It's is nice to use a platform where each report request get notified and subject to my approval. i feel priviledged.
We’ve just secured a new refinance term, and our Homifax-verified property report saved us $3,500 in interest costs!
I love how centralized Homifax’s system is—I can retrieve and share verified property records with prospective buyers via a single SMS
One key differentiator of our service isn’t about us — it’s about you and your property.
An property with a Homifax Verified Record stands apart from one that doesn’t. It carries proof, history, and trust that others simply can’t replicate — not now, and not retroactively. What we’ve verified over time becomes a unique advantage that no listing or last-minute documentation can match.
Register your property and become part of a growing network of Homifax Verified Asset owners trusted by buyers, lenders, and insurers.
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Seeking for a tailored solution for your custom home ( above 3,800 sq. ft ), multiple investments portfolio, or simply a consultation? Let our local expert team connect with you for a personalized consultation.
Frequently asked questions
Are you a current report holder? Want to help us sharing your experience and on boarding new client to Homifax ? Contact us to become a Homifax Specialists
Do i have to file the record myself or can a contractor do it for me?
You don’t have to file the record yourself. If you’re not a DIYer and have a contractor or someone working on your home, they can submit the records on your behalf. Once the records are submitted, we will send you a notification to confirm the submission.
What does it mean by "self enrollment" ?
Self-enrollment means an individual voluntarily signs up for a service on their own, without it being a requirement or part of an application process with a financial institution. It’s a proactive choice to access the service based on personal need or interest.
What are the key differences between Homifax AI Asset Shield Basic and Advance in terms of analysis capabilities, financial benefits, and features for Verified Property Owners ?
Does my Homifax Verified Report made available to the public ?
By default, your Homifax Verified Report is not freely available to the public. Homifax operates as a private record verification and management enterprise, ensuring your information remains confidential. Individuals or organizations of interest may submit a query or request to view your Homifax Verified Report, but access is granted only with your explicit permission as the owner. Additionally, Homifax provides an optional 'free-to-access' feature, which you may choose to enable at your discretion, allowing the public to view the report without requiring your approval for each request. To further protect your privacy, all proofing media and personal information submitted for verification are redacted by a record auditor after validation. In the event a request is made to view such proofing media, only the redacted version—marked with a Homifax verified checkmark—will be released, ensuring sensitive details remain secure while maintaining the report’s credibility.
What is the Homifax Umbrella Policy?
The Homifax Data Protection Umbrella Policy, provided at no additional cost with each annual asset tracking subscription, safeguards your investment. Should an irretrievable loss of asset records—such as those for properties, vehicles, boats, yachts, or aircraft—occur due to a Homifax system failure, we will reimburse your annual subscription fees for the affected year. You will also receive interest at an Annual Percentage Yield (APY) of 4.5% to 7%, determined by the number of records previously verified by Homifax.
When does the reimbursement apply?
Reimbursement applies only in cases of total record loss or irretrievable records caused by Homifax’s system issues, not user errors or external factors like device loss.
How is the reimbursement processed?
Upon verification of the record loss, Homifax will refund the full annual tracking fee to your original payment method within 30 days.
Does this cover partial record loss?
No, the Record Insurance Premium covers only total and irretrievable record loss.
How do I activate this feature?
The Record Insurance Premium is automatically included with all Homifax annual tracking subscriptions.
What is Loss & Casualty Account Rollover
Record holder with active Homifax asset tracking accounts impacted by a verified loss or casualty event are eligible for a full refund of prior tracking fees.
If you’ve been affected by a loss or casualty event, don’t wait—contact the Homifax team today to claim your rights! Our Loss and Casualty Account Rollover service ensures your records are seamlessly transferred to a new verified account, and we’ll reimburse all prior tracking fees paid. Protect your asset’s value and secure your peace of mind. Reach out now at https://www.homifax.com/support to start the process.
Does Homifax sell user data ?
At Homifax, we never compromise on your trust. Our clients pay an annual service fee for us to meticulously verify, securely store, and rigorously protect their proprietary records. We specialize in verifying submitted records, safeguarding privileged data, and providing verified report brokerage and independent rating agency services. Unlike others, Homifax does not offer free platform access in exchange for user data, rely on ad revenue, or sell your information behind closed doors. Our transparent annual fee ensures robust data protection, giving you peace of mind and control over your assets. Choose Homifax for integrity, security, and value.
Do you have a specific checklist of records item to improve the overall my overall Homifax Verified Property Rating?
While Homifax does not offer a specific, publicly available checklist to improve your Verified Property Rating, this is intentional due to the proprietary and dynamic nature of its algorithm.
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Here’s a deeper breakdown of why this approach exists and how homeowners can still strategically enhance their ratings:
1. Why Homifax Avoids a Fixed Checklist
Proprietary Algorithm: Homifax’s rating system is a trade secret, designed to evolve with market trends, regulatory changes, and data science advancements. Disclosing specific criteria could lead to manipulation (e.g., "gaming the system"), undermining the accuracy and fairness of ratings.
Seasonal Adjustments: The weighting of factors (e.g., energy efficiency, maintenance history, or local market conditions) may shift over time. For example, sustainability features might gain prominence during climate-focused policy changes, while renovation ROI metrics could adjust with housing market fluctuations.
2. How Homeowners Can Proactively Improve Their Rating
Even without a checklist, homeowners can focus on universal best practices that align with Homifax’s core objectives: transparency, accuracy, and market relevance
A. Prioritize Transparency
Document Everything : Upload verifiable records of upgrades (e.g., roof replacements, HVAC servicing), permits, and inspections. This builds a credible, audit-friendly profile.
Highlight High-Value Improvements : While Homifax doesn’t confirm specifics, upgrades like solar installations, smart home tech, or energy-efficient windows often correlate with higher valuations in most property systems.
B. Ensure Timely Updates
Avoid Reporting Gaps: Delays in updating records (e.g., post-renovation) can cause Homifax’s algorithm to rely on outdated data, lowering responsiveness to your home’s current value.
Sync with Market Cycles: If you renovate before peak selling seasons, update Homifax promptly to align with seasonal algorithm adjustments that may prioritize recent activity
C. Adopt General Property Best Practices
Preventative Maintenance: Regular upkeep (e.g., pest control, plumbing inspections) minimizes "risk flags" in systems like Homifax that may penalize deferred maintenance.
Leverage Third-Party Data: Homifax likely cross-references tax assessments, MLS listings, or utility records. Ensure consistency across these sources to avoid discrepancies.
Homifax’s model functions similarly to a credit score—it aggregates patterns rather than chasing isolated actions. For example:
A history of on-time mortgage payments (reported via connected lenders) signals financial responsibility.
Consistent property tax updates reflect stability to algorithms assessing "neighborhood reliability."
By focusing on long-term transparency and data hygiene , homeowners indirectly "train" the algorithm to recognize their property as low-risk and high-value.
While the lack of a checklist may feel ambiguous, it ultimately ensures ratings remain adaptive and unbiased. Homeowners should treat their Homifax profile like a dynamic portfolio : regularly refresh it, emphasize verifiable wins, and stay attuned to broader market trends that Homifax’s system is likely tracking. Over time, these habits compound into a stronger rating, even without a formal roadmap.
How can i earn back from the report / commercialization ?
The Homifax "Earn Back" policy is designed to incentivize homeowners to maintain and leverage their Verified Property Report by rewarding them financially when third parties (e.g., buyers, lenders, insurers) request access to their report.
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Here’s a detailed breakdown of how it works, its strategic value, and critical considerations for maximizing returns:
Mechanics of the Earn-Back System
1. Class-Based Tiering:
Class B Rating Requirement: Only properties achieving a Class B rating (or higher) qualify. This ensures the property meets baseline standards for safety, maintenance, and marketability.
Earn-Back Percentage: Each report release earns 35–50% of the report’s cost back to the homeowner. The exact percentage depends on:
-Property Class: Higher ratings (e.g., Class A) may unlock higher earn-back rates.
-Usage Frequency: Frequent report requests might trigger loyalty bonuses.
-Requester Type: Premium partners (e.g., top-tier lenders) could offer higher reimbursements.
2. Credit Utility:
Earned credits can offset Homifax’s annual tracking fee (for maintaining an updated report) or fund new reports (e.g., for refinancing or renovations). This creates a self-sustaining cycle: the more you share the report, the less you pay out-of-pocket for future services.
What happen to my Verified Property Report when i sold the property ?
Upon the sale of your asset, you will be required to transfer your verified record to its new owner. Your personal Homifax consumer credit will remain on your personal account if you choose to continue service with your new property
How can i get a class A status on my property report ?
You will receive a detail onboarding checklist to complete in order to maintain active filing status and minimum asset rating score.
What happen when i don't maintain minimum record update ?
Your Verified Property report will not receive an active score for that year, and we will only charge you 50% of the annual fee. for that year
Who has access to my Verified Report ?
The short answer is just you, the report holder, and whoever you allow to view your record. Upon your report is listed on HMLS, whenever party of interest query your report, we will send you a request notification
How parties of interest use my Verified Report ?
A Homifax Verified Property Report serves as a trusted, standardized, and tamper-resistant record of a property’s condition, history, and value. It acts as a single source of truth, streamlining interactions between property owners and key stakeholders. Here’s a critical breakdown of how different parties leverage it to drive efficiency, reduce risk, and optimize outcomes. By centralizing verified data, the Homifax report reduces information asymmetry in real estate transactions. It empowers stakeholders to act faster, price risk accurately, and build trust—ultimately creating a fairer, more efficient market. For homeowners, this translates to better rates, faster sales, and stronger negotiating power.
Why i can't obtain and build Homifax personal credit score ?
Since your account registration is a direct result of a banking and insurance policy request, we will not count your personal credit points. However if you have already obtain the service with us prior to these banking and insurance request, your score will be track along with all side benefits and rewards.
Why i can't create Homifax account?
Being unable to create a Homifax account could stem from several factors, but the most likely explanation—if tied to policy violations—is that Homifax’s Fraud Prevention System has flagged your profile or activity as non-compliant with its terms of service. Below is a detailed breakdown of potential causes, systemic safeguards, and critical considerations for resolving the issue:
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1. Common Reasons for Account Creation Failure
a. Prior Policy Violations
-Fraudulent Activity: Homifax may ban users for actions like:
-Submitting falsified property data.
-Manipulating reports to misrepresent a property’s condition.
-Creating multiple accounts to exploit incentives (e.g., the Earn Back program).
Abuse of Services: Excessive or malicious report requests, spamming third parties, or harassing other users.
Security Risks: Suspicious login patterns (e.g., VPNs, bots) or ties to blacklisted IPs/devices.
b. Automated Fraud Detection
Homifax’s system uses algorithms to flag high-risk behavior during signup, such as:
-Mismatched Information: Discrepancies between your name, email, property records, or payment methods.
-Geographic Red Flags: Attempting access from regions where Homifax isn’t licensed to operate.
-Duplicate Identifiers: Reusing banned email addresses, phone numbers, or device fingerprints.
2. How Homifax’s Fraud Prevention System Works
Multi-Layered Verification: Cross-references your data with public records (e.g., property deeds, tax IDs) and internal databases.
Behavioral Analysis: Tracks patterns like rapid report generation, inconsistent login locations, or sudden spikes in activity.
Third-Party Tools: Integrates with services like Sift or Arkose Labs to detect bots or stolen credentials.
3. Types of Bans
Temporary Suspension (90 - 360 days): For minor breaches (e.g., accidental duplicate accounts). Access may restore automatically after the period.
Permanent Ban: For severe violations (e.g., fraud, deliberate misinformation). Requires manual appeal and evidence to overturn.
Shadow Ban: Your account appears functional, but reports are hidden or marked “unverified” for third parties.
4. Steps to Resolve the Issue
a. Diagnose the Cause
Check for emails from Homifax’s Trust & Safety team explaining the ban.
Review the User Agreement for violated clauses (e.g., Sections 4.2 on data integrity or 7.3 on fair usage).
b. Contact Support
Submit a ticket via Homifax’s help center or a secondary email (e.g., appeals@homifax.com). Include:Proof of identity (government-issued ID).Documentation disproving fraud (e.g., property records, repair invoices).For permanent bans, escalate to a supervisor or legal team if you believe the decision was erroneous.
c. Technical Workarounds
Use a new device, network, and email—but only if the ban was accidental. Deliberate circumvention may worsen penalties.
5. Critical Considerations & Limitations
a. Transparency Issues
Homifax may withhold specific ban details to prevent fraudsters from gaming the system. This lack of clarity can frustrate legitimate users.
Example: A user unknowingly triggers a ban by sharing their report with a lender later flagged for fraud.
b. False Positives
Overly aggressive fraud filters may block legitimate users, especially those:Using shared networks (e.g., realtors in an office).With common names matching blacklisted profiles.
c. Legal and Ethical Risks
Data Privacy:
Homifax’s fraud system might retain biometric or geographic data, raising GDPR/CCPA concerns.
Right to Appeal:
Unlike credit bureaus, Homifax isn’t legally obligated to provide dispute mechanisms, though reputational incentives exist.
What is Homifax Rating ?
A Homifax Asset Rating is a verification score that reflects the credibility and value of your asset based on detailed, authenticated records. It’s like a credit score for your property or other assets, helping buyers, lenders, and insurers trust its worth.
A Homifax Asset Rating is a unique evaluation provided by Homifax to assess and validate the quality, history, and reliability of your asset—whether it’s a vehicle, property, or other high-value item. By verifying records like maintenance history, ownership details, and usage patterns, Homifax creates a transparent and trustworthy profile for your asset. The benefits are significant: a strong Homifax Asset Rating can boost your asset’s market value by proving its condition and reliability to potential buyers. It can also lower insurance rates or secure better financing options, as lenders and insurers rely on this verified data to reduce their risk and your risk while living with it. For sellers, it speeds up transactions by building confidence, while owners benefit from organized records that maximize long-term value. Essentially, it’s a powerful tool to enhance trust, save money, and simplify dealings in the marketplace.
Refer your family & friend and save together
Get your referral reward In addition to getting your property records verified, you and your referer are eligible for a reward!
Homifax is not a public data aggregator. All information in our verified reports are privileged and confidential. Access to verified reports and information provided by Homifax is granted exclusively with the explicit permission of the current asset owner and is subject to approval by the respective record holder. Homifax is committed to maintaining the privacy and security of all data in accordance with applicable laws and regulations. As an independent mutual records verifier and verified report publisher, Homifax does not own any records. Copying or redistributing information from our database is strictly prohibited and may result in serious legal consequences.
Using the Homifax logo or affiliated trademarks to facilitate a sale without registering the asset with Homifax is strictly prohibited. Homifax does not protect buyers who complete transactions without first acquiring a report.
Homifax supports verification and report transcription in multiple countries and languages, serving customers worldwide with our international team.
English | French | Español | Deutsch | Italiano | Chinese | Japanese | Thai | Vietnamese | Korean | Slavic | Japanese
You're in good hand policy
At Homifax, we are dedicated to delivering exceptional value and service to our clients. Should you find that our offerings do not meet your expectations, we are pleased to offer a refund. If no verified report is issued or if you have not utilized your Homifax Verified Property status for financial benefits over the years, you may receive up to 70% of the original purchase plan after five years of service.
