Homeowners all over Philadelphia are being inundated with ads for MV Realty’s Homeowner Benefit Program on social media, through robocalls, and some people even receive a knock on their door. The pitch is simple: Get a quick cash payment in exchange for a promise to use MV Realty as their real estate agent if they decide to sell their home in the future. Many homeowners say they were never informed that the contract is for 40 years and MV Realty can take out a mortgage on their home.