Cash Back In 4 Easy Steps

  • Step 1 – Enroll: You can enroll 24/7/365. Fill out the easy online enrollment form. Click here to start your enrollment now.
  • Step 2 – Work With Your ibodio Realtor: An ibodio approved Realtor will be assigned to you based on your personal needs and requirements within 48 - 72 hours of your enrollment. If you choose to use the ibodio home loan benefit, a home loan officer will also be assigned to you. Your realtor will work with you throughout the purchase and/or sale process. Your loan officer will work with you to ensure you receive the best interest rate available and your home purchase loan or refinance qualification goes as smoothly as possible.
  • Step 3 – Close Your Transaction: Sell or purchase a home using your ibodio Realtor.
  • Step 4 – Deposit Your Check: Once your real estate transaction has closed, your rebate check will be mailed directly to you within 30 days. Loan cost credits will be applied at closing.

    • advocate

    We Are Your Advocate

    ibodio only accepts the most qualified, full-time realtors and loan officers to ensure that your experience goes as smoothly as possible. We also understand that, at times, you may have concerns about your realtor, loan officer or the process. An ibodio Advocate will be assigned to you to ensure that you are happy and your transaction is going smoothly. If at any time you encounter a problem or have concerns or questions, you will have direct access to your ibodio Advocate who will assist in resolving any issues.

    Purchasing a home.

    "Don't wait to buy real estate, buy real estate and wait."
    Will Rogers, Actor, Humorist, Columnist, Social Commentator

    Owning your own home is the #1 American dream. Making it a reality is often a challenging and nerve racking process. ibodio helps with real cash savings and purchase cost credits as well as providing top local, full-time realtors and experiences loan officers. Knowing what is involved with purchasing a home is the first step in beginning the home purchase process. Your realtor and loan officer will clarify these costs and help you more clearly understand the whole buying process but here are a few things you should know.

    • Know your credit score. Your credit score is a key component when securing a loan. Perfect scores aren't necessary but good scores will give you more loan options and often lower interest rates. Know your score so, if needed, you can begin improving it.
    • Get pre-approved. Pre-approval is critical to the home buying process. It will tell you how much house you can afford. In addition, 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.
    • Know what the costs to purchase are. Purchasing a home includes costs you may not be aware of. Buyers typically pay a downpayment and 3% to 5% in cash above and beyond the purchase price at closing. These costs may include:
      • Down Payment: Your required down payment will depend on what you can afford and the type of loan you qualify for. Some government-insured loans require very little down payment, even 0% down payment in the case of USDA and VA loans. Conventional loans may require as little as 3% down payment but most typically require 5% to 20% down payment.
      • Prepaid & prorated property tax, homeowners insurance and association fees: Property taxes and homeowners insurance will be prorated based on the date of your closing. A portion may be required to be prepaid at closing. Also, if there is an HOA (home owners association), typical when purchasing a condo, there may be a prorated portion that needs to be paid at closing.
      • Appraisal Fee: As the buyer, you will be required by your lender to purchase an appraisal to confirm that the value of the home is equal to or greater than the price you are paying.
      • Inspection Fees: If you would like, or your lender requires, something about the property inspected, you will need to pay for the costs. Typical required inspections are a general property inspection that involves all elements, roof insepctions and foundation inspections.
      • Closing Costs: These costs include fees your lender will charge to provide you a loan as well as escrow fees and title insurance. Fees your lender may charge include, but are not limitied to, loan origination fees, application fees, discount points and prepaid interest for your first months mortgage interest.

    The good news is ibodio's Real Estate Benefit will save you thousands of dollars on your home purchase through cash rebates and, if you qulaify, home loan savings.

    Selling your home.

    "The best investment on earth is earth."
    Louis Glickman, Real Estate Investor & Philanthropist

    Since you own a home, you know the financial benefits. Now that you have decided to sell, whether you're moving on up, down sizing or being transfered, you will want to get the highest price and have the least hassle throughout the sales process. Here are a few things that should help ensure you achieve both.

    • Hire a great realtor. Thankfully, ibodio makes this part easy. ibodio realtors are qualified, full-time, local agents with proven track records. They are the best of the best. After your enrollment, an ibodio realtor will be assigned to you based on your needs and requirements.
    • Prepare your home for sale. First impressions are key. Your ibodio realtor will help determine what things may need to be done to get top dollar and a fast sale. This may include:
      • A pre-listing inspection.
      • Repairs and maintenance that need to be completed before listing.
      • Yard care, de-cluttering, beautifying.
    • Determining the right price. Listing your home for the right price is the most important factor to how fast your home sells or whether it sells at all. We love our homes. Often, because of this, we are biased to it's value. We often feel it is worth more than it really is. On the other hand, the real estate market can be volatile. It may actually be worth substantially more than you think. What ever the case, the fact is, the market determins value, not homeowners, real estate agents or friends and family. The only way to find an accurate value is to have an expert real estate professional preform a comprehensive market analysis that will show an accurate value range your home will sell for in the current market.
    • After Listing. Now that you have listed, be prepared to have strangers inspecting every nook and cranny. Here are some quick tips to help earn a quick sale.
      • Clean is better than dirty.
      • What smells good sells good.
      • Follow the advice of your realtor.
      • Stage for the buyer.
      • Leave during showings and open houses... and take your pets with you.

      Getting your loan approval and closing your transaction.

      Getting approved for a home loan is often the most stressful part of the purchase process. Your finances, credit and income will be scrutinize. You will need to reveal everything about your good financial decisions and your bad ones. You will need to pay for a credit report. You will need to gather and supply details that will require a lot of paperwork. Be prepared, but understand, you are asking your lender to give you the biggest loan of your life and trust you to pay it back as agreed.

      Once you have been approved, had your offer accepted on the house of your dreams, the closing process begins. Your lender will need to give final approval which may entail requiring more documents and inspections. Your realtor may need to ammend the contract and negotiate on your behalf because of things found in inspections and lender requirements. Once in escrow, a signing appointment will be arranged and you will need to sign a stack of papers that will finally give you ownership.

      This whole process, from acceptance of your offer to document signing may take a few weeks or a month or more. And then it's moving time.

      Now that you are more familiar to the process, all that's left is to enroll. Enroll Here