HBC provides money to tenants, buyers, sellers, owners, and investors of homes for their real estate needs. The money provided by HBC is not a debt.  HBC does not check credit histories or income of the recipients; its sole focus is the home transaction.

HBC buyers can waive financing contingency, make cash offers, and win a home, often at much lower price. HBC will protect buyer's earnest money deposit, by buying the home for the buyer as the situation arise.

HBC sellers do not have to take lowball cash offers, instead take the highest offer, even if the highest offer is subject to financing. If the buyer's financing were to fail, HBC will buy the home. 

The money provided by HBC is not debt. HBC makes money either by real estate commission or by charging a rent., as per the use case. Terms and conditions apply.