For Employees
Buy Your Dream Home with $0 Down Through HomePerk
Your employer is investing in your future—giving you access to 0% interest financing for some of the biggest out of pocket expenses when buying a home, the down payment and closing cost. This lowers the barrier to homeownership and increases your purchasing power. HomePerk is lifechanging:
Financial Freedom
Downpayment & Closing Cost Assistance:
Reduce upfront out of pocket expenses by financing your cash to close at 0%* interest.
Build Wealth:
The average net worth of a homeowner is 40x that of a renter. The average homeowners earned $25K in equity in 2024. Buying a home at a younger age means more time to build equity for retirement and not going into retirement with a mortgage payment
Better Work-Life Balance
Shorter Commutes:
Employees living closer to work gain 7 extra days of free time annually vs. long commuters.
Less Stress:
Fewer hours in traffic means more energy for family, hobbies, and your career.
Support Every Step of the Way
Homebuyer Education:
Learn about mortgages, credit repair, and budgeting from experts.
Seamless Experience:
We provide access to loan officers and realtors already familiar with the HomePerk program to make your experience streamlined. Buying a home can be stressful, but we will be there to help.
Recommend your employer here if you think they would be interested in learning more about offering homeownership as a benefit today.
*Down payment assistance offered pursuant to your employer’s down payment assistance benefit plan and is accomplished through an unsecured down payment assistance loan. The down payment assistance loans may be provided by CharlieMike Financial, Inc. or other partner banks or credit unions. Certain restrictions apply. Subject to borrower qualification and subject to obtaining a mortgage from an eligible mortgage partner.
$0 down is based on obtaining a mortgage for 97% of the purchase price of your home from an eligible mortgage partner and funding the other 3% of the purchase price with a down payment assistance loan. The down payment assistance loan has a term of 60 months and the borrower experiences an interest rate of 0% (actual note rate 12%), assuming all principal payments are made when due by the borrower, as the result of the rate being permanently bought down. Buydown funds may not be redeemed for cash or credit and are nontransferable. The monthly payment on a $10,000 loan at 0% interest for a 60-month term is $166.67. Subject to certain conditions.