Benefits

Empowering employers with benefits that give back to employees and nonprofit causes.

Recruiting and retaining employees is a critical challenge in today's workforce environment. Employers who offer benefits that impact their employees' lives, as well as causes outside the workplace, build positive, engaged workplace cultures. That translates into higher productivity, morale, retention, and talent recruitment.

The ibodio Real Estate and Charity Benefit Program provides a practical, competitive, and engaging advantage to your organization's workplace culture. How? Because it will make your employee's largest, personal financial investment – homeownership – more affordable. In addition, it will connect them to a higher purpose through donations to nonprofit causes. When employees set down roots through homeownership and become involved in causes greater than the workplace, studies show they are happier and more committed to their employers.

Key ibodio program benefits.

• EXPERIENCED REALTORS   ibodio real estate professionals are the best of the best. They live where you work and live. They know the neighborhoods where you want to buy or sell. They will help you find the house of your dreams or sell your current home and will manage the entire purchase and/or sales process to ensure your transaction has a worry-free closing.
• CASH BACK   ibodio's real estate benefit will give a cash back rebate, in most cases, worth thousands to buyers and sellers. Or, you may select to apply it to your closing costs. Whatever you choose, it's yours to spend however you wish: a trip, furniture, pay off debts or invest. Use our benefits calculator to see how much you could save. It's real and it's big.
• CHARITABLE DONATIONS   ibodio is committed to to helping nonprofit causes. With every real estate transaction closed using ibodio's benefit program, a donation will be made to a nonprofit charity organization in the employer's and/or employees' name.
• HOME LOAN EXPERTS   ibodio can connect you with top home loan experts to insure you receive the best rates and lowest loan costs. Get a "Yes" when others say "No." Our referred loan officers are the best of the best and have the experience and knowledge to overcome approval challenges where others would just say "no." If you would like to begin the enrollment process, submit the enrollment form HERE and indicate that you are interested in a home loan. Home loan information will be provided specific to your needs.
• ADVOCATES FOR YOU   Your first contact after enrollment will be with your ibodio Advocate. Your Advocate will coordinate the whole process. They will assign a Realtor chosen specifically for your individual needs; connect you with a loan officer; will track your progress and intercede on your behalf when needed. They are here for you and are available by phone or email if you need support, clarification or help throughout the process.

Experienced Realtors that care about you and nonprofit causes.

ibodio approved realtors are passionate about homeownership. They are experienced, and professional, and believe owning a home is the most significant financial and lifestyle benefit each of us can make. ibodio approved realtors demonstrate this belief by embracing ibodio's philosophy of making homeownership more affordable by giving back!

What are the requirements to be an ibodio realtor?

• They must be a full-time, licensed realtor and work under a respected, ibodio approved brokerage.
• They must have a proven, impeccable track record.
• They must be local to their assigned ibodio buyer or seller.

You can be confident your ibodio Realtor will be the most capable agent to find your most suitable homeownership opportunity, negotiate the most favorable contract, and ensure you will have a worry-free closing.

Donations to nonprofit causes.

Your home purchase and/or sale can now help those in need. ibodio is committed to supporting nonprofit causes and will make a donation in the employer's and employees' names. Use our Home Benefit & Charitable Donation calculator to see how much will be donated.

Home loan experts that can say "Yes" when others say "No."

Loan costs are expensive and the closing process can be confusing and intimidating. It is often the most stressful part of purchasing a home. Your ibodio referred loan officer will deliver the right loans for the right reasons in a way that exceeds all expectations. This is ibodio's commitment to you and requirement for our home loan partners. They will ensure the whole process from pre-approval to closing goes as smoothly and stress-free as possible. They can secure a "Yes" when others will say "No."

Obtaining a home loan is a complex process. Here are a few things you can expect. Your loan officer will help you understand, evaluate and determine the correct loan for you. The first step is obtaining pre-approval. You will be required to provide all your financial details. This, of course, is completely confidential and will never be shared with anyone who isn't required for the loan approval process.

Key elements for obtaining loan approval.

• CREDIT SCORE   Your credit score is a key factor in obtaining a home loan. A credit report will be one of the first things your loan officer will need to order.
• CREDIT REPAIR   If your credit score is below what is needed to qualify for a home loan, a credit repair plan will need to be completed before you will qualify. We will help you develop one that will give you the best chance of success.
• INCOME   Your income will determine how much of a home loan you will qualify for. You will need to show consistent income but may include other sources besides your employment income like alimony payments, stock dividends, and tips.
• DEBT TO INCOME   Your debt to income ratio is a key factor in determining risk and the amount of loan payment you can comfortably afford.
• DOWN PAYMENT   Your necessary down payment will be determined by the type of loan and loan-to-value ratio (the amount of the loan compared to the value of the property) required to secure that loan. Some government-insured loans require a minimal down payment, even a 0% down payment in the case of USDA and VA loans. Conventional loans may require as little as a 3% down payment but most typically demand a 5% to 20% down payment. Your down payment will also affect a number of other elements of your purchase including the interest rate and home price you can afford.
• MORTGAGE INSURANCE   Mortgage insurance protects the lender if you default. It is typically required for loans with less than a 20% down payment.
• CLOSING COSTS   Closing costs include a variety of items including lenders fees, escrow fees, title insurance and more. Thanks to the ibodio Home Loan Benefit, you will receive substantial savings on your closing costs.
• PRE-APPROVAL   Pre-approval is critical to the home buying process. Your realtor will need a pre-approval letter from your lender before an offer can be presented. This is required because the seller needs to be confident you can fulfill your contract to purchase their property.

Enroll now to apply for your ibodio Real Estate Benefit. Enroll Here