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Borrowers

Congratulations on purchasing a new home. We wish you the best. Buying a home brings  important responsibilities and sometimes a few unanticipated expenses. We look forward to working with you to help you to better understand homeownership. Our program is part of the purchase of your home and is provided to you at no cost.

Once your mortgage professional or builder has signed you up for our program, you will be receiving homebuyer education. We offer a comprehensive course that covers all of the basics that a homebuyer needs to be successful.  After you close on your loan, you will learn additional information about homeownership, budgeting, and the power of compound interest.

 

 


Mortgage Payment Protection

One of the principal reasons that borrowers fail to make mortgage payments is because of unanticipated job loss. For this reason, as part of our program, the borrower is enrolled in a mortgage payment protection plan. This plan will typically cover a 12 month period and will pay the borrowers mortgage payment in the event of job loss through no fault of the borrower. The plan will pay a total of six mortgage payments of up to $2,000 per month.


 

 

 

Home and Family Protection

 Home Deductible Reimbursement Protection

  •  Supplements current homeowners or renters insurance by paying the deductible, up to $500 when an insured loss occurs.

  •  Provides $500 emergency cash to help pay living expenses if a home becomes unlivable due to an insured loss.

  • Up to $250 reimbursement for services of a locksmith when locked out of the home.

Emergency Medical Expenses for the Individual and Family

  •  Provides protection in the event emergency room treatment is required as a result of an accident that occurs in the home, yard or garden.

Identity Theft Restoration Services

  • Provides consulting services to identity theft victim.

  •  Determines nature and extent of identity theft.

  • Completes “ID Theft Recovery” Kit(s) based on victim’s residential address, type of identity theft, and number of thefts.

  • Mails completed “Kits” and supporting documentation to all three credit bureaus, the Social Security Administration, the Federal Trade Commission, the U.S. Postal Service and other local, state and federal agencies as needed.

Roadside Assistance

  • Up to 25 miles tow guaranteed no “out of pocket” cost to customer per occurrence.

  • Program includes Towing, Jump Start, Fluid Delivery, Tire Changes, Lockout, and Trip Routing Services.

 

 



Mortgage Monitoring--Buyer Education

In the home buying process, borrowers are inundated with information. We help them sift through this information in a structured way and make sure important points are not lost. Our budget counseling helps them to remain grounded during and after the home buying process.

We offer a comprehensive buyer education course. The course is divided into two parts: 1) pre-purchase and 2) post purchase. Buyers will also be offered counseling on budgeting and important issues relating to home purchase and ownership.

Encouraging Responsible Habits—One of the most important principles to maintain responsible homeownership is the ability to weather unforeseen financial difficulties. Essential to this ability is a financial reserve. The goal of our program is to help homeowners to establish habits that will lead to greater financial safety and security. An essential quality of a good homeowner is the ability to create and preserve a reserve fund̶—a financial safety net the homeowner contributes to every month. Developing this habit is important in the first months of the mortgage.

 

 
   
   
   
       
 

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