Life's Rewards
Looking To Buy a Home?
Smart home buyers are taking advantage of today's market AND
Earning cash-back on their mortgage payments.
With Homeowner Loyalty Rewards
Offered through Preferred Realtors and Lenders
You can receive as cash-back
of 5% and up to 10%
of your mortgage payments, over the life of your mortgage.
Introducing
Homeowner Loyalty Rewards
Loyalty
We’re going to change the way you think of your mortgage. Now you can generate Rewards simply by being loyal and making your scheduled mortgage payments.
Rewards
Members of the Homeowner Loyalty Reward ™ Program can generate up to 5% of the mortgage payments paid over the life of your mortgage.
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Need to refinance or want to purchase a new home? No problem, your reward can be rolled over.
Join Our Rewards Program
The best part is you don’t need to do or invest a thing. Simply agree to become a member and when you register with a participating lender a Reward program will be started on your behalf at no cost to you.
Find a Partner
We have carefully vetted and partnered with the the very best Realtors and Lenders.
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We are excited to give you the opportunity to have them work for you to help you purchase the very best home for you.
Most importantly, we are pleased to offer you the opportunity to earn very sizable cash-back Rewards on your home.
We're here...
for you
Becoming a member of the Homeowner Loyalty Reward Program gives you access to the full compliment of our services.
​In return, all we ask is that you remain a loyal customer of our preferred lenders.
Membership
Members of the Homeowner Loyalty Reward™ Program participate together with authorized lenders. As a long-term member and loyal customer to a participating lender, both you and your lender will benefit from our program - in substantial ways.
Cash-Back
The Homeowner Loyalty Reward™ program is structured so that you will will receive an opportunity to generate up to 5% of your mortgage paid over the life of your 30-year mortgage.
On Demand
Oh, did we mention it's on demand? Take out your earned reward whenever it suits you.* We recommend saving it as long as possible to increase the likelihood of earning 5% of payments on your mortgage over the life of your mortgage. ​
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*Subject to terms and conditions
How to Start Earning Mortgage Rewards
No Costs - No Risk - Just Rewards
Become a Member
Simply fill out the form below to see if you qualify. If you qualify you can become a member with no upfront or annual fees.
Find a Participating Lender
Once you become a member, we will provide you with a list of the participating lenders in your area. It is up to you to determine if the lender is right for you.
Register with Lender
Simply confirm that you are a member of the Homeowner Loyalty Reward program and the lender will register you into the program.
Generate Rewards
You will receive Reward points on each and every monthly mortgage payment and can redeem them for cash when you pay-off your mortgage.
FAQ
Will I pay any more than I already am at closing?
That’s the great part about the Homeowner Loyalty Reward Program™. There is no fee and no risk to you as the borrower. We use a portion of the our economics to fund the program as long as you are a customer. There are no costs to you to participate in the program.
Do I have to do anything on my end?
Once you are signed up for the Program, there is no action required on your part until you can claim your reward. At any time, you may login to the secure TWF online portal to review the current amount of your reward.
I don’t understand how I can earn a reward without paying any money. What’s the catch?
After you have chosen to work with your lender and they register you, we are able to deliver this dynamic program to you that others cannot. There is no catch. Our goal is to ensure your complete and long-term satisfaction within your mortgage loan experience with your Lender. If you remain a long-term customer, everybody wins. As a member of our patented loyalty program, we put your mortgage to work for you and provide a significant reward at the end of your repayment.
Will I lose my HomeCache™ Reward if I refinance my mortgage?
The Homeowner Loyalty Reward Program™ allows you to refinance your mortgage and rollover the Reward into your new mortgage and still receive Rewards when you pay-off your mortgage. You will need to use the same lender*. Your Reward will not change and will continue to grow over time. You can refinance as many times as you’d like as long as you use the same lender. By allowing you to refinance, you can still manage your mortgage effectively and ensure you get your reward at the end of your repayment.
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*if your lender is no longer operational, you will have the opportunity to select another lender participant
How do I earn Rewards points and when can I redeem them?
Earning Rewards Points is simple. You earn HLR Points on every regularly scheduled payment of principal and interest that you make on your mortgage. You will earn one HLR Points for each dollar that you pay beginning with your very first payment made on your mortgage. As you make your payments you earn increasingly more Homeowner Loyalty Reward Points over time and can redeem them when you leave the program, subject to the terms and conditions.
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When can I redeem my points and how much will they be worth?
While you earn 1 MLR Point per dollar paid, points values start at .5% and increase over time as a function of when you choose to redeem.
After 30 Years | 100 Points = $5.00 or 5.0% |
After 25 Years | 100 Points = $4.00or 4.0% |
After 20 Years | 100 Points = $3.00 or 3.0% |
After 15 Years | 100 Points = $2.00 or 2.0% |
After 7 Years | 100 Points = $1.00 or 1.0% |
Value of points at the end of the Program Term will increase with each additional mortgage ($1 Purchase - $.5 Refinance) that you register in the program , but shall not exceed $5 per every 100 Points or 10% of total payments.
“I will forever believe that buying a home is a great investment. Why? Because you can’t live in a stock certificate. You can’t live in a mutual fund.”
Oprah Winfrey
“Owning a home is a keystone of wealth, both financial affluence and emotional security.”
Suzie Orman
"If you don’t own a home, buy one. If you own a home, buy another one. If you own two homes, buy a third. And lend your relatives the money to buy a home."
John Paulson
“Don’t wait to buy real estate. Buy real estate and wait.”
Will Rogers