Home Financing Will
Never Be The Same.
The 3.5% Permanently Fixed Rate R.O.C.
(Residential Ownership Certificate)
Has Arrived!
[ Updated May 29, 2026 ]
[ Upgraded Full-Capacity Ai Assisted Website Nearing Completion ]
Learn More about the R.O.C.:
How Does the R.O.C. Work?
The short answer is, the R.O.C. (Residential Ownership Certificate) is an ingenious form of hyper-factoring®. Whether you own your home or are looking to buy one, the R.O.C. collectively uses your current and future income, along with your current and future home equity, to establish a R.O.C. This allows you to use your overall current and future cash value – TODAY – rather than waiting for it grow over time.
Factoring is the financing of accounts receivables (future income). It is done by banks, public companies and institutions (big and small) every day. In the case of a R.O.C., the factoring is accomplished using BESTLife proprietary and time-proven algorithms.
The R.O.C. is the first time a form of factoring has been applied to 30 to 40 year home financing: AND IT WORKS!
Learn More About Our Affiliates:
Who Helps Us Get it Done?
R.O.C. Home Financing relies on three affiliated entities to accomplish the tasks required to quickly, affordably and efficiently generate 3.5% permanently fixed 30 to 40 year (no recourse) home financing:
1.) The National Real Estate Exchange
(NREX)
2.) The National Real Estate Clearing Company
(NRECC)
3.) The National Real Estate Escrow Company
(NREEC)
While working in unison, a R.O.C. application can pass-through registration, review, underwriting, R.O.C. application approvals, completion of funding and deed recording in less than seventy-two (72) hours.
And with this expediency also comes liquidity: SOMETHING NEVER BEFORE ACHIEVED WITH REAL ESTATE!
Our Services
We Are Ready to Work with You and For You.
The R.O.C.
The R.O.C. is the collective bundling and hyper-factoring® of current and future income and home equity to generate 3.5% R.O.C. (Residential Ownership Certificate) financing.
The NREX
Instantly buy, sell, liquidate or trade your home or your R.O.C. on the NREX; the nation’s only Real Estate Exchange dedicated to everything real estate and real estate finance.
The NREEC
The National Real Estate Escrow Corporation (NREEC) acts as the financial expediter and monetary agent for all R.O.C. and real estate transactions.
The NRECC
The National Real Estate Clearing Corporation (NRECC) is the neutral processor, expediter and communicator for all US real estate transactions.
Member Services
Add these services to your R.O.C. to Maximize Savings and Conveneince.
BESTLife Health
Comprehensive health coverage for individuals and families that is built-into R.O.C. home finaincing.
BESTLife Mobile
With R.O.C. Ownership comes benefits such as affordable talk and data plans that meet individual and family needs.
BESTLife Air & Sea
Where the R.O.C. addresses home affordability, BESTLife Air & Sea addresses the ability to travel more frequently – for less.
BESTLife Rewards
Earn rewards on all BESTLife R.O.C. payments and apply them as credits for BESTLife Health, Mobile, Air, etc.
BESTLife
SUPER APP
One APP to manage all of your personal and financial needs including BESTLife Products and Services.
BESTLife Bank & Investments
Along with the BESTLife Debit VISA, manage R.O.C. equity, make payments, investment and much more.
FAQ
What Exactly is a R.O.C.?
A R.O.C. is a Residential Ownership Certificate. It is very much like a bond (ie: US Treasury Bond) which is backed by (a.) an individual’s present and future income and (b.) the present and future value of a home.
How is a R.O.C. Similar or Different from a Mortgage from a Bank or Lender?
A R.O.C. is straight-up 3.5% permanently fixed rate 30 – 40 year home financing. However, it does not use HUD, FHA or banking-styled requirements to approve an applicant.
With the exception of the R.O.C.s speed, accessibility, affordability and bringing same-day closings, settlement and liquidity to real estate, R.O.C. financing can be seen in the same light as a mortgage. There is no substantial difference other than how easily a R.O.C. is generated and regulated, how they are managed / serviced and how much more flexible they are compared to mortgages.
How is 3.5% home financing possible with interest rates over 5% and 6%?
It has been ingrained into the minds of consumers that “federal interest rates” and “the 10 Year Treasury” mandate the cost of home financing. But that is not entirely true.
R.O.C. home financing bypasses the abusive costs over-and-above the true cost of lending. For example, recent federal funds rates have been hovering at approximately 3.75%. So why can’t the consumer get a conventional mortgage at 3.75%? The answer is: profits.
Banks and lenders set their own rates based upon various factors, including cost of operations, investor returns, inflation, economic conditions, and the risks associated with lending.
The R.O.C., on the other hand, is not a “bank” nor a “lender”. It is a BESTLife product dedicated solely to home financing. It does not build-in extra, added or external costs. This allows the R.O.C. rate to remain permanently fixed at 3.5%.
The R.O.C. is new to me and a commitment to a 30 year conventional mortgages scares me. Aren't I better-off renting?
The R.O.C. provides the most flexible form of residential financing to ever be introduced. It can be moved from home-to-home in less than five (5) business days making it more affordable than renting. Even better, you never need to reapply for a R.O.C. as it is regularly updated with your home equity and income; similarly to updating a credit report.
Additionally, where a conventional mortgage requires a personal guarantee, specified credit criteria and up-front costs and fees; R.O.C. home financing is 100% non-recourse with no personal guarantees, no credit scores and no money-out-of-pocket required. There are also no prepayment penalties.
How do I convert my current mortgage to a R.O.C. and what does it cost?
You can convert your mortgage to a R.O.C. at any time. If your mortgage comes with prepayment penalties, cost or fees, you can add them into your R.O.C. financing – as long as it does not go over your approved R.O.C. financing amount.
To get started, you will need to register your home with the NREX National Registry®. There is a nominal administrative / processing fee which will be credited-back upon receipt of your R.O.C. financing or it can be applied to any BESTLife product or service.
Next, make application for a R.O.C. via the eApplication form. A response will be provided in the same day or within 24 hours maximum.
Once approved, your mortgage will be refinanced, replaced and the R.O.C. will be recorded. All within a maximum of five (5) business days.
What Does the NREX Do?
The NREX (National Real Estate Exchange) is the central agent for all US real estate. It does for real estate what the the DTCC does for stocks and bonds; clearing, settlement, and trade reporting for trillions of dollars of securities transactions on a daily basis.
Through the NREX National Registry® and utilization of the NREX NR-Number®, similar to a CUSIP number on securities, the NREX manages and maintains every deed, lien and other styled official record for every property in the United States.
This immediate access is what brings, among other benefits, the R.O.C. and all real estate, the electronic ability to clear, settle, trade and report in the same day.
With the NREX maintaining all US real estate records, it is also an open marketplace for, among other functions, buying, selling and trading properties, liens, real estate financial instruments and R.O.C.s.
What Does the NRECC do?
In conjunction with the NREX, the National Real Estate Clearing Corporation (NRECC) is the epicenter for all real estate closings.
The NRECC neutrally executes the buy / sell / trade parameters based upon two-party or other mutually agreed-upon real estate arrangements.
In the case of the R.O.C, the NRECC acts as agent for BESTLife, the Buyer, the Seller or, in the case of a refinance, the Homeowner.
The NRECC clears all transactional documentation for submission to the NREX for identification and recording through the issuance of an NREX NR-Number®.
What Does the NREEC do?
Much like the NRECC, the NREEC (National Real Estate Escrow Company) also works in unison with the NREX.
With the R.O.C. binging cash liquidity to real estate, it is imperative to have a central escrow agent in place to verify funds are properly held, available and disbursed as required.
The NREEC segregates the responsibility of funding to one sole entity where settlement and transfer of funds is only possible when the set criteria per-transaction are, first, fully met.
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