HomeBenefitIQ.comHomeBenefitIQ.comSimply Smarter Home Benefits!Simply Smarter Home Benefits!

The Origin of HomeBenefitIQThe Origin of HomeBenefitIQToday most employers offer their employees traditional benefits at a substantial cost burden to the employer. Traditionally these include:

Medical/Dental/VisionRetirement/401K/Tuition Reimbursement

In today’s competitive environment, employers are seeking value-added benefits that cost the employer little or nothing.

**Confidential

Today most employers offer their employees traditional benefits at a substantial cost burden to the employer. Traditionally these include:

Medical/Dental/VisionRetirement/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 EmployerBenefits to the Employer

Increases employee loyaltyDemonstrates to employees that you care about them and their familyIncreases financial well-being

Financially sound employees are more productiveReduces stress and increases productivity

Financing a home (moving or refinancing) is one of the top threemost stressful endeavors

Zero cost to the company/organizationExclusive, co-branded website accessed through HomeBenefitIQ.comLittle or no administration required on your part—we do all the work

**Confidential

Increases employee loyaltyDemonstrates to employees that you care about them and their familyIncreases financial well-being

Financially sound employees are more productiveReduces stress and increases productivity

Financing a home (moving or refinancing) is one of the top threemost stressful endeavors

Zero cost to the company/organizationExclusive, co-branded website accessed through HomeBenefitIQ.comLittle or no administration required on your part—we do all the work

**Confidential

Benefit to the EmployeeBenefit to the Employee

No up-front application feesFriendly, quality experienceOne-on-one relationship with your Mortgage Advisor TeamCustomized mortgage solutions for your employeesRates and fees not available to the general publicPrice clarity — know the cost of the loan prior to committing to the processAll employees are eligible and it's completely voluntaryBenefits can be extended to family and friendsComplete confidentialityDedicated staffEducational “Lunch & Learn” seminars available

**Confidential

No up-front application feesFriendly, quality experienceOne-on-one relationship with your Mortgage Advisor TeamCustomized mortgage solutions for your employeesRates and fees not available to the general publicPrice clarity — know the cost of the loan prior to committing to the processAll employees are eligible and it's completely voluntaryBenefits can be extended to family and friendsComplete confidentialityDedicated staffEducational “Lunch & Learn” seminars available

**Confidential

What Are My Savings?What Are My Savings?

HomeBenefitIQ.com can save you up to $4700 on a typical $350,000 home

purchase!

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 RealtorIn the HBIQ Network

$0 $1050 given towards your closing costs on a purchases

$1050

Total Savings N/A HBIQ Saves you……

$4700

Additional ServicesAdditional 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 buyingCredit repairBuying investment properties and 2nd homesChoosing an “adjustable rate” or “interest only” loan program

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 buyingCredit repairBuying investment properties and 2nd homesChoosing an “adjustable rate” or “interest only” loan program

How Do I Offer HBIQ to My Employees?How Do I Offer HBIQ to My Employees?

1. Sign the Employer/Organization Acknowledgement2. We establish a “Launch Date” for the program3. 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.

1. Sign the Employer/Organization Acknowledgement2. We establish a “Launch Date” for the program3. 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 AdvantageLog-on & Take Advantage

Visit www.HomeBenefitIQ.comUser ID: envoymortgagePassword: envoy

Remember, the program is also available to family and friends!

Visit www.HomeBenefitIQ.comUser ID: envoymortgagePassword: envoy

Remember, the program is also available to family and friends!

Contact me Today to get startedContact me Today to get started

Richard WoodwardBanker / Senior Branch Manager, NMLS ID 217454

When Trusted Advice Count

Envoy MortgageOffice: (972) 661-5136 Fax: (972) 314-964717440 Dallas Parkway Suite 118 Dallas, TX 75287Visit Us Online - www.Envoy-Mtg.com Texas Mortgage Banker Registration #45300 NMLS ID 6666

The 10 Best of Everything Dallas Has to Offer!

Richard WoodwardBanker / Senior Branch Manager, NMLS ID 217454

When Trusted Advice Count

Envoy MortgageOffice: (972) 661-5136 Fax: (972) 314-964717440 Dallas Parkway Suite 118 Dallas, TX 75287Visit Us Online - www.Envoy-Mtg.com Texas Mortgage Banker Registration #45300 NMLS ID 6666

The 10 Best of Everything Dallas Has to Offer!