HomeBenefitIQ.comSimply Smarter Home Benefits!

Welcome to the future of Real Estate and Financial

Wellness Marketing

Why Become a Preferred Partner

Have local employers endorsing YOUR services to their employees

Exclusive rights to “Your” employersExtremely low marketing costNetwork with other top professionalsBuild a book of business that has

value and can be sold at retirement

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 fees Friendly, quality experience One-on-one relationship with your Advisor Team Customized financial and home related services solutions for

your employees Rates and fees not available to the general public Price clarity — know the cost 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?

HomeBenefitIQ.com can save you up to $5829 on a

typical $350,000 home purchase!

Cost Typical HBIQ SavingsLoan Origination Fee

1%$3,325

0%$0

$3325

Application Fee $250 0 $250

Processing Fee $500 0 $400

Home Inspection Services

$375 $325 $50

Use a RealtorIn the HBIQ Network

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

$1050

Home and Auto Insurance

$2665 $1995 $700

Survey $450 $396 $54

Total Savings N/A HBIQ Saves you……

$5829

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 Wealth Management Asset Protection

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. Provide each employee with a Benefit ID Card with access code

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 AdvantageVisit www.HomeBenefitIQ.com

User ID: envoymortgagePassword: envoy

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

Contact me Today to get started

Richard WoodwardHome Benefit IQ DirectorBanker / 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

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