EMPLOYER-SPONSORED BENEFIT
Unlock Your Path
To Homeownership
Your employer provides roughly 2% of the purchase price toward your closing costs - helping you buy sooner with less cash out of pocket.
Two Credits, One Goal
A transparent breakdown of how your employer-sponsored home buying benefit works to lower your closing costs.
1% Realtor Credit
Provided by Better Homes and Gardens Real Estate Winans. This credit is calculated directly on the purchase price of your home and applied toward your closing costs.
1% Lender Credit
Provided by UMortgage. This credit is calculated strictly on the final loan amount (not the purchase price) and is applied toward your closing costs.
Zero Cost To You
There are no hidden fees or membership dues. This benefit is entirely free for you to use and offered on behalf of your employer.
WEALTH BUILDING
Why Owning Beats Renting
Every month, you write a check for housing. When you rent, that money pays down your landlord's mortgage. When you own, that same monthly payment acts like a forced savings account, building your personal equity while protecting you from rising rent prices.
10-Year Net Position
DUAL-BASIS CREDIT TOOL
Calculate Your Savings
Adjust the purchase price and down payment to estimate your combined credits. Notice how the lender credit changes with your loan amount, while the realtor credit is tied to the price of the home.
Credits cannot exceed actual closing costs and are subject to loan program limits. Calculator results are estimates for illustrative purposes only and do not constitute an offer.
How It Works
Your Journey Starts Here
Three simple steps to unlock your employer-sponsored home buying benefits.
01
Get Pre-Approved
A free, 10-minute application to see what you can afford. There is no cost and no obligation.
02
Get Matched
Connect with a participating real estate agent who will guide you smoothly through the home buying process.
03
Close & Receive Credits
Complete your purchase and have your combined realtor and lender credits applied directly to your closing costs.
Pre-approval is free and takes about 10 minutes.
Real Results
I never thought I could afford a home this soon. The lender credit practically covered all my closing costs. A total game changer for my family.
The process was incredibly transparent. Seeing exactly how the 1% realtor credit applied to my purchase price gave me huge peace of mind.
Such a valuable benefit. My company offering this helped me transition from renting to owning, building real equity instead of paying someone else's mortgage.
Ready To Start?
Pre-approval is free, takes about 10 minutes, and doesn't obligate you to buy.
UMortgage NMLS ID 1457759 | Brandon Cuellar NMLS ID 1984424
Equal Housing Opportunity
This is not a commitment to lend. All loans subject to credit approval, income verification, and property appraisal. Credits are subject to program guidelines and loan program limits. Credits cannot exceed actual closing costs.
The realtor credit is provided by Better Homes and Gardens Real Estate Winans, a separate company from UMortgage, and is subject to state law and brokerage policy. The lender credit is calculated as 1% of the final loan amount and the realtor credit as 1% of the purchase price. Actual credit amounts will vary based on the loan amount and purchase price at closing.
Participation in the program does not require the use of any particular real estate brokerage, title company, or other settlement service provider. Employees are free to shop for these services.
Calculator results are estimates for illustrative purposes only and do not constitute an offer, a rate quote, or a prediction of future home values. Employees should consult a tax professional regarding any tax questions.
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