FREQUENTLY ASKED QUESTIONS

Q. Does the lender receive a referral fee from Home Benefits Plus?
A. No. A referral fee paid by Home Benefits Plus to the lender would be a violation of the RESPA regulations.

Q. What do I do if I have a local Realtor who wants to be part of the Home Benefits Plus program?
A. We will often add a Realtor interested in the Home Benefits Plus program. Have the Realtor call our toll free number. Our consultants will explain the program and determine if the Realtor meets the requirements necessary to become involved in the Realtor part of the program.

Q. What does it cost the lender to join the Home Benefits Plus program?
A. Nothing. The lender participates in the program absolutely free.

Q. How much do I have to spend to market the Home Benefits Plus program?
A. Nothing. Home Benefits Plus furnishes printed marketing materials. We also provide you a CD of finished artwork that contains a brochure, poster and an envelope insert. You may customize these pieces to contain your logo and print them at your discretion.

Q. How do I know the Real Estate agent won’t direct the mortgage to another lender?
A. The Home Benefits Plus Realtors understand that the mortgage lender is a business partner in an on-going business relationship. The Realtor also understands there will be no repeat business if this rule is violated. When the client calls the toll free number, one of the first questions we ask them is, “Have you talked to your lender?” Our Consultant will obtain the client's permission for you to contact them, and will immediately forward to you the client's name and information so you can begin the mortgage lending process. We will also forward to you the name and number of the Realtor/Brokerage working with your client.

Q. Where do you get your Realtors?
A. Home Benefits Plus participates with a nationwide network of Real Estate professionals, based on experience, professionalism and service, to serve clients all over the United States. We work with over 800 brokerages nationwide crossing all brands and franchise affiliations. We have access to over 20,000 real estate agents nationwide.

Q. How is the Home Benefits Plus rebate funded?
A. The local Realtor pays a traditional referral fee for the business given to them. The client is paid the 25% rebate on the commission from this referral fee.

Q. How do you handle my clients when they call Home Benefits Plus?
A. When the client calls, one of our trained Consultants assesses their needs to get a clear understanding of their goals. The Consultant carefully matches the client with an established experienced cooperating local brokerage and agent. The Consultant also assesses your client's pre-approval status. The client's permission is obtained for you to contact them directly, if the client has not already started their mortgage loan application with you. You are contacted with the client information, as well as the information on the real estate brokerage/agent. The client is encouraged to stay in touch with the Home Benefits Plus Consultant. The client is told that if they have any problems, questions, or concerns, to call the Consultant for assistance. Our Consultant acts as an advocate for the client to insure a smooth and successful transaction.