The Employee Mortgage Benefit

A Program for Employers

Looking for a proven way to enhance the work/life benefits you provide your employees, without adding expenses? Then consider the Employee Benefits Mortgage Program from Steve Rogers and BancGROUP Mortgage.

We can help your employees purchase the home of their dreams or refinance their current mortgage to make home improvements or consolidate debt. Our mortgage professionals are specially trained to help find the right solution - even for employees in challenging financial situations.

As you know, the more substantial your benefit package, the easier it is to attract and retain valuable employees. The Employee Benefits Mortgage Program combines highly perceived value and painless administration - a surefire win for your company!

Count on These Benefits

When you enroll your company in the Employee Benefits Mortgage Program we will waive all lender administration fees  for every employee who completes their home purchase or refinance transaction with BancGROUP Mortgage. Plus, there are other compelling benefits for your employees:

·    Choice. We offer a full range of loan products - including fixed and adjustable rate mortgages with terms up to 40 years.

·    Flexibility. Steve Rogers considers the unique needs of each borrower to find a mortgage solution that fits. We even offer no-money down programs for first-time home buyers.

·    Excellent service. You want to know that your employees are in good hands. Steve Rogers is committed to exceeding each borrower's expectations. In fact, we can move most loans from application to the closing table in 7 business days or less. Now that's service!
 

Many employees are in need of extra help with: debt management, investment advice, credit repair and how to understand financing options.

This program is the first step to improving your company's employee benefit program. Our Benefit Program is so easy to implement. No expense. No effort. No time.  

Benefits Summary

• A home financing discount for employees that costs your company nothing
• Monthly educational seminars including free educational materials and resources to help your employees make informed financing decisions
• Credit Counseling to help employees manage debt, build assets and increase stability
• Tax Guidance and Preparation
• Quarterly reports sent to your benefits representative to analyze employee participation
• Newsletter featuring articles on managing credit scores, home buying and selling, understanding home financing and more
• Opportunities to hold on site seminars and other employee events

The Employee Mortgage Program helps your employees achieve the dream of home ownership with purchasing and refinancing options that meet their immediate and long-term financial goals — at absolutely no cost to your company. We offer convenient services and knowledgeable support, accessible online, by phone, and in person.

Exclusive Benefits

• Easy applications and quick approval decisions, right over the phone.
• Competitive rates and fees.

On-time closings with our Close Guarantee If an employee doesn't close on their new home by the initial close date stated in their purchase contract due solely to a BancGROUP Mortgage delay, we will reimburse them one monthly principal and interest payment.

The Relocation Mortgage Program

With The Relocation Mortgage Program, you and your relocating employees get simplified home financing and outstanding service.

Benefits for Your Company

• Comprehensive account management. We provide all of the support materials you need -- from brochures and benefits handbooks to website access. Usage reports and satisfaction surveys help you monitor the program's effectiveness.
• More control over funds. We offer mortgage subsidy programs that can be used as an alternative to mortgage interest differentials and cost-of-living allowances, providing you more control over funds and a cost-effective way to enhance your company’s relocation benefits.
• Proven track record. Transferees say they would use The Relocation Mortgage Program again for their next mortgage.
• A national program. Eliminate the need to work with multiple mortgage lenders, regardless of original location or relocation destination.
• A leading provider of corporate relocation mortgage services. Our industry standing means we can be a significant resource to you when evaluating or benchmarking policy information.

Benefits for Your Employees

• Convenient access. We can serve your transferees online, by mail, and in person.
• Loan pre-approvals before house hunting. Transferees can receive a mortgage commitment, not contingent on an appraisal, and lock in a rate before they begin house hunting in their new location.
• Quick loan decisions. Our automated approval process for applicants with good credit enables our mortgage consultants to provide a loan approval at the time of application for the majority of transferees.
• Working co-borrower income credit. When the co-borrower of a transferee does not have a job waiting at the new destination, we can make special provisions, offering up to 100 percent credit for the co-borrower's current income.