Our pledge to you
The Home Approach Independence Pledge
Home Approach is paid only by employers and PEOs. No lender, agent, title company or investment firm or anyone else who sells to buyers, sellers or homeowners pays us. None ever will.
That one rule is why you can trust what we tell you. It covers every move we help with: buying, selling, refinancing, tapping home equity with a HELOC, and investing in real estate. Here's what it means in practice.
- 1
Who pays us
Your employer or PEO pays a flat monthly fee per employee. We earn the same whether you buy, sell, refinance, invest, or decide to stay put.
- 2
No commission either way™
We never take referral fees, commissions, lead fees, sponsorships or perks from lenders, agents, title companies, credit companies, investment firms, or anyone else.
- 3
How we recommend
When we connect you with a professional, we match on objective criteria: the programs you qualify for, track record, location, total cost and speed. The criteria fit the move: grant coverage for a purchase, local sales record and fees for a sale, rate and closing costs for a refinance or HELOC. No one can pay to rank higher, earn a "preferred" badge, or show up more often.
- 4
Your choice, always
You never have to use anyone we suggest. We show you more than one option when we can, and we encourage you to shop around.
- 5
Your information stays yours
We share your details with a professional only when you say yes, for that one connection. We never sell your data. Your employer sees only anonymous, combined usage numbers, never your credit, finances or plans.
- 6
Paid voices are labeled
Some experts in our videos are paid for their time making content. They're labeled "Paid Partner," and that pay never depends on whether you use them.
- 7
Rewards are clear
Some members qualify for hero rewards through Hero Benefits Alliance. Those rewards come from HBA's own network. Home Approach receives nothing when you get one, and eligibility never depends on which provider you choose.
- 8
Honest advice, even when it's "not yet."
If waiting, saving or fixing credit first is the right move, we'll tell you. The same goes for selling, refinancing, borrowing against your equity or buying an investment property: if the numbers say no, so do we. Our job is your financial health, not a transaction.