
The Employee Homeownership Assistance Program® (EHAP®) is a no-cost benefit designed to help Long Island employers support employee financial wellness while improving recruitment and retention. We provide employees with education, guidance, and homeownership resources—without adding administrative burden to your HR team.

Access to education on down payment assistance, mortgage options, affordability, and smart home-buying strategies.

Employees receive professional guidance from licensed real estate and mortgage professionals, with no obligation to use any specific lender.

Access to off-market opportunities, private listings, and proprietary methods that can help employees find homes beyond the public market.

Step-by-step support helps employees get prepared, stay confident, and move through the home-buying process with less uncertainty.
EHAP® gives employers a meaningful, no-cost benefit that supports financial wellness, improves employee morale, and strengthens retention. Your team gets access to expert homeownership guidance, while your organization gains a differentiated benefit with little to no internal lift.
Have questions about launching EHAP® for your organization? Contact us at ray.pearson@cobbleridgerealty.com
EHAP® is a voluntary, education-first real estate benefit that guides and supports employees through the home-buying process. It is offered at zero cost and requires zero administrative lift for the employer.
EHAP® was created by Ray Pearson in 2021 and formally registered in January 2023. The program was designed to give employers a practical, no-cost way to support employees through the home-buying process.
Exclusive Buyer Agency means we only represent buyers, ensuring 100% loyalty and thus eliminating conflicts of interest.
Employers do not pay program fees. Our services are funded through the standard commission split upon a successful real estate closing, meaning the program is supported only when an employee chooses to buy a home through us and a closing occurs. There is no direct cost to the employer or the employee.
We utilize proprietary software and proven sourcing methods—including research on expired/withdrawn listings, builder connections, and other networks—to identify homes that are not publicly advertised on the major real estate portals.
No. Employees are never required to use a specific lender. EHAP® is designed to provide education, guidance, and choice.
By offering a financial wellness benefit that reduces home-buying stress, employers show a strong commitment to their employees’ long-term well-being—boosting morale, loyalty, and job satisfaction. The program also supports employees relocating, whether they’re moving for a role within your company or transitioning to a new firm in another state, helping them navigate the process with confidence and ease.
No. Implementation is designed to be low-lift for the employer, typically requiring only an internal announcement and optional scheduling help. We provide all marketing materials, handle all employee education, and manage support directly.
Employees can still access educational guidance, but certain EHAP® program-specific advantages may depend on working within the program structure.
Schedule a quick overview. We will provide the rollout kit and walk your HR/leadership team through an easy launch plan.
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Licenses #: 10311209234, NMLS 223314 and LA-1752864
Cobbleridge Realty Corp, a licensed New York real estate brokerage.
Employee Homeownership Assistance Program ® Registered Number TXu2-361-587
Real Estate Divorce Planning® Registered Number TXu2-251-944
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