HomeBenefitIQ.com Simply Smarter Home Benefits! The Origin of HomeBenefitIQ Today most employers offer their employees traditional benefits at a substantial cost burden to the employer. Traditionally these include: Medical/Dental/Vision Retirement/401K/Tuition Reimbursement In today’s competitive environment, employers are seeking value-added benefits that cost the employer little or nothing. **Confidential Benefits to the Employer Increases employee loyalty Demonstrates to employees that you care about them and their family Increases financial well-being Financially sound employees are more productive Reduces stress and increases productivity Financing a home (moving or refinancing) is one of the top three most stressful endeavors Zero cost to the company/organization Exclusive, co-branded website accessed through HomeBenefitIQ.com Little or no administration required on your part—we do all the work **Confidential Benefit to the Employee No up-front application fees Free Annual Credit Report Friendly, quality experience One-on-one relationship with your Mortgage Advisor Team Customized mortgage solutions for your employees Rates and fees not available to the general public Price clarity — know the cost of the loan prior to committing to the process All employees are eligible and it's completely voluntary Benefits can be extended to family and friends Complete confidentiality Dedicated staff Educational “Lunch & Learn” seminars available **Confidential What Are My Savings? Cost Typical HBIQ Savings Loan 1% .75% $875 Origination $3,500 $2,625 Fee HomeBenefitIQ.com can save Appraisal $450 $400 $50 you up to $3,650 on a Escrow $500 $450 $50 typical $350,000 home Home $375 $325 $50 purchase! Inspection Services Use a Realtor 0 $.25% of $2625 In the HBIQ commission Network given towards your closing costs on a purchases Total Savings N/A HBIQ Saves $3650 you…… Additional Services Monthly, we can provide your employees, an email newsletter that offers relevant information about real estate, personal finance, and updates on Member Privileges. We can, upon your request, hold training seminars on topics like: First-time home buying Credit repair Buying investment properties and 2nd homes Choosing an “adjustable rate” or “interest only” loan program How Do I Offer HBIQ to My Employees? 1. Sign the Employer/Organization Acknowledgement 2. We establish a “Launch Date” for the program 3. On Launch Date: You email your employees that a new benefit has been added. (We can provide you with standardized email text.) We provide you with a letter that explains the program. This letter is inserted into your New Member Packages and given to all employees, and HomeBenefitIQ member cards are issued. Provide you with lunchroom/breakroom/worksite posters. 4. Monthly-We will provide you with an e-newsletter that keeps the employees/members up-to-date on the changing mortgage/real estate market, along with updates to the “Member Privilege” section. Log-on & Take Advantage Visit www.HomeBenefitIQ.com User ID: (zak101107) Password: (zak101107) Remember, the program is also available to family and friends!
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