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The EHA Model

Built to align everyone's interests

EHA converts employment longevity into housing security — without introducing regulatory, financial, or operational complexity for anyone in the ecosystem.

EHA works because it benefits everyone

Most benefit platforms serve one audience. EHA aligns employers, employees, and housing partners around a single shared outcome: sustainable homeownership.

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Employers

  • Reduce housing-driven turnover
  • No balance sheet risk
  • No regulatory exposure
  • Zero admin burden
  • Measurable retention ROI
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Employees

  • Clear path to homeownership
  • Optional 3.5%–5% down payment assistance
  • Vetted professional partners
  • Voluntary — no pressure
  • No repayment required after 3 years of continued employment

How the EHA program works end-to-end

01

Employer Enrollment

An employer activates EHA as a voluntary workforce benefit through a simple sponsorship agreement. EHA sets up the program structure, compliance framework, and partner network — your HR team's involvement is minimal.

$0 employer setup cost No regulatory exposure Turnkey setup
02

Employee Opt-In

Eligible employees voluntarily enroll in the program through their employer's benefits system. Participation is never mandatory. Employees receive access to vetted housing professionals, education resources, and a clear eligibility roadmap from day one.

Voluntary Access to vetted partners Clear eligibility milestones
03

Tenure-Based Participation Period

Employees work toward eligibility through continuous participation and good standing on a tenure-based schedule. During this period, EHA's partner professionals guide them through credit preparation, savings planning, and market readiness — so they're fully prepared to buy when the time comes.

Credit readiness support Partner professional access Eligibility milestone tracking
04

Employer-Funded Down Payment Assistance

Within the 36-month program, eligible employees may access optional employer-funded down payment assistance of 3.5%–5%. All home purchase transactions occur through licensed, independent real estate and mortgage professionals. EHA does not lend, broker, or transact real estate.

3.5%–5% optional Off-platform transactions Licensed 3rd parties only No employer RE exposure
05

Forgiveness Through Continued Employment

No repayment required after 3 years of continued employment — fully earned through tenure. Early departures may trigger partial recapture per the program agreement.

Fully earned at 3 years Retention-aligned structure Protects employer investment

EHA works for everyone in the program

For Employers

A retention tool built for today's workforce reality

  • No lending or real estate ownership
  • No regulatory licensing risk
  • No balance-sheet debt
  • Integrates with existing benefits
  • Improved retention and recruiting
Learn more about the employer program →
For Employees

A clear path to homeownership — not a sales pitch

  • Voluntary participation
  • Clear 36-month program structure
  • Licensed, vetted housing professionals
  • Optional employer-funded down payment assistance (3.5%–5%)
  • No repayment required after 3 years of continued employment
Learn more about the employee experience →

Why Employee Home Advantage exists

"When employees stay, communities stabilize. When communities stabilize, employers win."

EHA is building the infrastructure that makes homeownership a standard employee benefit — like healthcare or retirement. We believe that when workers can put down roots, everyone benefits: families, employers, and the communities that depend on a stable, committed workforce.