HomeBenefitIQ.com Simply Smarter Home Benefits!
The Origin of HomeBenefitIQ z z
Today most employers offer their employees traditional benefits at a substantial cost burden to the employer. Traditionally these include: z z z z
z z
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 **Confidential
Benefits to the Employer z z z z z z z z
z z z z z z
Increases employee loyalty Demonstrates to employees that you care about them and their family Increases financial well-being z z
Financially Financially sound sound employees employees are are more more productive productive
z z
Financing Financing aa home home (moving (moving or or refinancing) refinancing) is is one one of of the the top top three three most most stressful stressful endeavors endeavors
Reduces stress and increases productivity
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 **Confidential
Benefit to the Employee z z z z z z z z z z z z z z z z z z z z z z
No up-front application fees 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 **Confidential
What Are My Savings?
HomeBenefitIQ.com can save you up to $4700 on a typical $350,000 home purchase!
Cost
Typical
HBIQ
Savings
Loan Origination Fee
1% $3,500
0% $0
$3500
Appraisal
$450
$400
$50
Escrow
$500
$450
$50
Home Inspection Services
$375
$325
$50
Use a Realtor In the HBIQ Network
$0
$1050 given towards your closing costs on a purchases
$1050
Total Savings
N/A
HBIQ Saves you……
$4700
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: z z z z z z z z
First-time First-time home home buying buying Credit Credit repair repair nd homes Buying Buying investment investment properties properties and and 22nd homes Choosing Choosing an an “adjustable “adjustable rate” rate” or or “interest “interest only” only” loan loan program program
How Do I Offer HBIQ to My Employees? 1. 1. 2. 2. 3. 3.
Sign the Employer/Organization Acknowledgement We establish a “Launch Date” for the program On Launch Date: z z z z
z z
4. 4.
You You email email your your employees employees that that aa new new benefit benefit has has been been added. added. (We (We
can can provide provide you you with with standardized standardized email email text.) text.)
We We provide provide you you with with aa letter letter that that explains explains the the program. program. This This letter letter is is inserted inserted into into your your New New Member Member Packages Packages and and given given to to all all employees, employees, and and HomeBenefitIQ HomeBenefitIQ member member cards cards are are issued. issued. Provide Provide you you with with lunchroom/breakroom/worksite lunchroom/breakroom/worksite posters. posters.
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 z Visit
www.HomeBenefitIQ.com
User ID: envoymortgage Password: envoy z z
Remember, the program is also available to family and friends!
Contact me Today to get started Richard Woodward Banker Banker // Senior Senior Branch Branch Manager, Manager,
When When Trusted Trusted Advice Advice Count Count
NMLS NMLS ID ID 217454 217454
Envoy Envoy Mortgage Mortgage
Office: Office: (972) (972) 661-5136 661-5136 Fax: Fax: (972) (972) 314-9647 314-9647 17440 17440 Dallas Dallas Parkway Parkway Suite Suite 118 118 Dallas, Dallas, TX TX 75287 75287 Visit Visit Us Us Online Online -- www.Envoy-Mtg.com www.Envoy-Mtg.com Texas Texas Mortgage Mortgage Banker Banker Registration Registration #45300 #45300 NMLS NMLS ID ID 6666 6666
The The 10 10 Best Best of of Everything Everything Dallas Dallas Has Has to to Offer! Offer!