Earn points as you go. Cash them out at the milestones that matter.
Every action you take on Home Approach earns Approach Points. When you hit a real-world checkpoint — like getting pre-approved — you unlock the ability to redeem those points for partner credits, service discounts, and closing rewards funded directly by us.
Estimate Your Savings
Discover how much you could save when purchasing your home. Use the slider to explore potential savings with a Hero Benefits Network real estate and mortgage specialist. This is only an estimate. Actual savings may differ.
This is only an estimate. Actual savings may differ.
1. How you earn points
Points are only awarded for actions we can verify — auto-verified by the platform or admin-approved after you submit documentation. No points for clicks, streaks, or spins.
2. Six journey tracks, one points balance
Pick the track that matches where you are today. Switch tracks anytime as life changes — your points history follows you.
Homebuyer
Pre-approval, house-hunt, offer, close.
Homeowner
Equity, refinance, maintenance, taxes.
Seller
Pricing, prep, listing, negotiation.
Investor
Cash flow, ROI, portfolio building.
Renter
Credit, savings, rent-to-own path.
Relocator
Move planning, DIY/Pro, new market.
3. Milestones & what unlocks cashout
Most milestones simply earn you points. A small set are flagged as cashout-trigger milestones — completing any one of them permanently unlocks point redemption in the Points Store.
Auto-verified
Tracked automatically as you use Home Approach — finishing a lesson, completing a tool, hitting a streak. Points hit your balance instantly.
Manually verified
Real-world milestones (pre-approval, closing, refi). Upload supporting documentation and we approve within 48 hours.
Cashout-trigger milestones available today
Complete any one of these to permanently unlock redemption.
- HomebuyerGet Pre-Approval Letter
- HomebuyerClose on Your Home!
- HomeownerSet up home security system
- HomeownerPurchase a home warranty plan
- InvestorClose on the property
- RenterGet pre-qualified for a mortgage
- RelocatorClose on your new home
- SellerClose and hand over keys
Every track now has at least one cashout-trigger milestone. You only need to complete one (ever) to permanently unlock the Points Store.
4. Redemption tiers
Reach a tier, then redeem. The first tier is direct credit; higher tiers require a quick document verification.
Starter
100 pts ($1)Reach 100 points to unlock $1 in partner credits and service rewards.
Builder
250 pts ($2.50)Reach 250 points to unlock $2.50 in partner credits and service rewards.
Achiever
500 pts ($5)Reach 500 points to unlock $5 in partner credits and service rewards.
Champion
1000 pts ($10)Reach 1000 points to unlock $10 in partner credits and service rewards.
5. The two-gate cashout rule
To redeem points, both of these must be true. We designed it this way so rewards reflect real progress — not just clicks.
Enough points for a tier
Earn 100+ points (Starter) up to 1,000+ (Champion). Points roll up across every track, lesson, milestone, and referral.
One cashout-trigger milestone
Complete any milestone flagged as cashout-trigger (e.g., pre-approval letter). One time. Permanently unlocks the Points Store.
Exclusive member offers
The partner perks waiting on the other side of your next milestone — funded directly by Home Approach.
Exclusive Member Offers
Coming SoonEarn Approach Points + exclusive cashback at closing from the partners you'll meet on your journey.
6. Free and VIP
Two access tiers. Both are free. VIP is earned by using Home Approach.
Free
Everyone. Use every tool, earn points, complete milestones. No credit card.
VIP
Earned automatically at 100 points. Unlocks bonus content, deeper insights, and the Points Store cashout flow.
7. Who actually pays for the rewards?
Home Approach. Closing rewards, partner credits, and cashback are funded directly by us — out of our own pocket. Not by your lender. Not by your agent. Not by any partner.
That means there's no hidden cost rolled into your loan or service fees. It's our personal thank-you for trusting us with your homebuying journey.
8. Frequently asked
Ready to Start Earning?
Create your free account, pick a journey, and start earning Approach Points toward real rewards today.
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