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For Employees

Your job can help you buy a home

Employee Home Advantage is a workplace benefit that gives you a clear, supported path to homeownership — with guidance, vetted professionals, and real financial assistance from your employer.

Ask your employer if they're enrolled in EHA — or share this page with HR.

What eligible employees can utilize
3.5–5%
existing and employer-funded down payment assistance options to get you to your front door
Eligibility timelineTenure-based
Full program length36 months
ParticipationVoluntary
Lender involvementNone (EHA)
Real estate transactionsLicensed 3rd parties

Homeownership feels out of reach — even when you're working hard

Rising rents, stalled wages, and the complexity of buying a home have left millions of working Americans stuck renting — not because they can't afford it long-term, but because they can't get over the initial barrier.

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Down payments are the biggest obstacle

Saving while renting is a near-impossible cycle for most workers. EHA breaks that cycle with employer-funded assistance.

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The process is complex and overwhelming

Most first-time buyers don't know where to start. EHA connects you with vetted professionals who guide you through every step.

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There's never a "right time"

EHA creates one — a clear, structured timeline with defined milestones so you always know where you stand.

This isn't about effort or income. It's about access.

Employees who achieve homeownership gain something more than a house. They gain financial security, stability for their family, and the ability to plan long-term. EHA is built to make that possible — through the workplace you're already committed to.

See the Path →

One 36-month program. One big outcome.

Enroll through your employer

Participation is entirely voluntary. Simply opt in during open enrollment or at any time your employer offers the benefit. No credit checks, no financial commitments at this stage.

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Day 1
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Month 1–24

Build tenure and stay in good standing

Remain employed, participate in the program, and work with EHA's partner professionals to prepare for homeownership — credit readiness, savings goals, neighborhood research.

Eligibility milestone

Utilize existing and employer-funded down payment assistance options (3.5%–5%)

Once eligible, available employer-funded assistance is applied toward your down payment or eligible closing costs — coordinated through licensed real estate and mortgage professionals.

3.5%–5% assistance
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Month 24
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Month 72

No repayment after 3 years of continued employment

No repayment required after 3 years of continued employment — fully earned through tenure. No strings. Just a home you earned through your commitment.

Fully earned at 3 years

EHA works best for employees who...

Are first-time homebuyersYou don't need experience or expertise — EHA and its partner professionals guide you the entire way.

Plan to stay with their employer long-termThe benefit rewards tenure. The longer you stay, the more value you receive.

Want to stop renting and build equityRenting builds nothing. Homeownership builds wealth. EHA bridges the gap between the two.

Feel overwhelmed by the homebuying processEHA removes the uncertainty with a clear structure, professional guidance, and employer-backed support.

Are working toward financial stabilityHomeownership is one of the most reliable tools for long-term financial security — and EHA helps you get there.

Common questions employees have

What employees usually want to know

Do I have to buy a home right away?
No. Enrollment starts the clock — you have time to prepare and build eligibility.
What if I leave before completing the 36-month program?
Unearned assistance may be recaptured per your program agreement.
Does EHA do my mortgage or real estate deal?
No. EHA connects you with licensed professionals. We don't lend or broker.
Is my credit score a factor?
EHA's tenure-based program is designed to help you prepare — including credit readiness guidance through partners.
How do I know if my employer is enrolled?
Ask HR, or share this page with them — we can reach out directly to discuss enrolling your company.

Frequently asked questions

Is participation required?

No. EHA is always 100% voluntary. You choose whether to enroll, and there's no obligation to purchase a home. The program is designed to be a resource — not a requirement.

How does down payment assistance work?

EHA connects you to existing down payment assistance options, including employer-funded programs. Think of it like a 401k match, except for your home. You earn it by staying and participating in the program.

What kinds of homes qualify?

Primary residences purchased through EHA's licensed partner network. Program-specific details on eligible property types will be provided during your enrollment process.

What happens if I'm transferred or change locations?

EHA is geography-agnostic. Program participation generally follows your employment, not your location. Specific scenarios are addressed in the program agreement.

Ready to move toward homeownership?

If your employer is enrolled in EHA, ask HR about getting started. If they're not, share this page — we'd love to have the conversation with them.

📱 Text Your Employer About EHA → Learn More About the Program