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Mortgage Terms

Mortgage Terms

Mortgage Terms

Home Advantage Plus has teamed up with some of the best mortgage organizations in the industry to provide you exceptional home loan solutions. Whether you are buying a home, investment property, or refinancing a home, the Home Advantage Plus program may save you money. There’s a lot to know about home loans. You will find some valuable information below that may assist you in finding the best home loan solution for you

Call 877-722-5020 or contact us for more information on home loan solutions.

Buying a home is perhaps the largest investment you’ll make in your lifetime, so it’s important to choose the right mortgage from the start. You have several types of loans to choose from, including a conventional mortgage, and each has a different set of requirements.

Conventional Loan:

A conventional mortgage is a home loan that isn’t guaranteed or insured by the federal government and conforms to the loan limits set forth by Freddie Mac and Fannie Mae. You can get a conventional loan at a fixed or adjustable rate, and with as little as 3% down payment.

Government backed Loan:

FHA and VA are two of the most popular government backed home loans. You apply at a home loan provider such as a mortgage broker or bank, and the loan is guaranteed by a government agency. The typical down payment requirement is a minimum of 3.5% down for FHA and 0% down for a VA loan.

State Bond Loan:

Many areas have bond funded home loan programs for low or moderate income individuals and families. Often times you are required to attend a home buyers education course as part of your qualifications and there are typically income restrictions. Many programs offer down payment and closing cost assistance. Your home loan provider, real estate agent can give you more information on available programs in your area. Click here to find your State’s programs.

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Home Advantage Realty LLC AKA HomeAdvantageBenefits.com is not licensed as a Broker/Lender and does not conduct mortgage brokerage or lending activities with consumers in the United States or Canada.

You are not required to purchase any service or product recommended by Home Advantage Realty LLC AKA HomeAdvantageBenefits.com or from any entity or person we may recommend.

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You, co-workers, family, retirees, friends and neighbors can all use the Home Advantage real estate and mortgage benefits that may help you save thousands when buying, selling, or financing real estate. Learn more >

HOW TO Get started

It’s as easy as 1, 2, 3

You, co-workers, family, retirees, friends and neighbors can all use the Home Advantage real estate and mortgage benefits. These benefits may help you save thousands when buying, selling, or financing real estate. Home Advantage Benefits is part of over 11 million worker’s voluntary employee benefits. We like to call it “Employee Perks with Purpose”.

How To Get Started - Click or Call

1. Click or Call

Click here to E-mail us or Call 877-722-5020 to get started.

How To Get Started - Get Informed

2. Get Informed

A Home Advantage representative will call you to explain your benefits.

How To Get Started - Start Saving

3. Start Saving

A certified program agent will be assigned to you helping you every step of the way to save a much as possible on your real estate transactions.

Details of Participation:

*The Home Advantage Program is served by our network of certified agents across the country. To participate in this program, you must contact Home Advantage prior to buying or selling real estate to qualify. If you are already working with an agent, you may not qualify for Home Advantage benefits. Furthermore, Home Advantage benefits are not retroactive if you are under contract or closed on a real estate transaction. If your home is already listed, this is not a solicitation to list your home. There is a minimum purchase/sale price of $100,000 to receive the full rebate amounts. Purchase/sale rebates are based on a 3% commission rate. There is a 2% net commission to the agent that serves you. In the event that the commission rate on a purchase is less than 3%, you will receive a rebate for the difference between the commission rate and the 2% agent net. Purchase rebates may not be available in the states of AL, AK, IA, KS, LA, MS, OK, OR, and TN by State Law.

Sarah B. Los Angeles, CA Testimonial
"My cubicle mate told me that we had real estate benefits on our benefits site. I didn't even know we had these types of benefits. The timing was great, because I found the home that we wanted to buy the day before. Our Home Advantage agent met with us and we bought the home and saved over $18,000 with her help. To all my colleagues, make sure you check out the Home Advantage benefits if you are thinking of buying and selling. I would highly recommend this company."

- Sarah B. Los Angeles, CA

5.0
2018-04-12T19:23:57+00:00

- Sarah B. Los Angeles, CA

Sarah B. Los Angeles, CA Testimonial
"My cubicle mate told me that we had real estate benefits on our benefits site. I didn't even know we had these types of benefits. The timing was great, because I found the home that we wanted to buy the day before. Our Home Advantage agent met with us and we bought the home and saved over $18,000 with her help. To all my colleagues, make sure you check out the Home Advantage benefits if you are thinking of buying and selling. I would highly recommend this company."
Jennifer H. Portland, Oregon Testimonial
"We had to sell our home fast to relocate to Wichita, and the Home Advantage program and our agent Kim helped us sell our home in Seattle and Sam in Wichita found us a great home and we saved a lot of money. I would recommend Home Advantage to my associates."

- Jennifer H. Portland, Oregon  

5.0
2018-04-12T19:16:33+00:00

- Jennifer H. Portland, Oregon  

Jennifer H. Portland, Oregon Testimonial
"We had to sell our home fast to relocate to Wichita, and the Home Advantage program and our agent Kim helped us sell our home in Seattle and Sam in Wichita found us a great home and we saved a lot of money. I would recommend Home Advantage to my associates."
- Ron & Deanna L. Wichita, KS Testimonial
"My agent took the time to meet with me at Starbuck's to go over everything and gave me a personalized Home Finder's Notebook that gave me so much information on buying a home. Buying my first home was a great experience with the help of the program and I saved over $15,000 on a home that cost $193,000!"

- Ron & Deanna L. Witchita, KS

5.0
2018-04-12T18:18:59+00:00

- Ron & Deanna L. Witchita, KS

- Ron & Deanna L. Wichita, KS Testimonial
"My agent took the time to meet with me at Starbuck's to go over everything and gave me a personalized Home Finder's Notebook that gave me so much information on buying a home. Buying my first home was a great experience with the help of the program and I saved over $15,000 on a home that cost $193,000!"
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