Turning Housing Support Into a Competitive Workplace Benefit
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For generations, owning a home has been one of the clearest symbols of the American Dream — a sign that hard work and opportunity could translate into stability and belonging.
My parents came to the United States from India with ambition and optimism but without a safety net. They were young, resourceful, and determined to make something of themselves in a country that promised opportunity but offered no guarantees. Through grit, patience, and hard work, they built a life from the ground up and eventually became proud homeowners. For them, buying a home represented stability, community, and the chance to build a better future.
For my generation, that dream feels much harder to reach.
The housing market today looks very different from the one my parents entered. Interest rates are high, home prices have skyrocketed, and wages haven’t kept up.
Even high-earning professionals are struggling to buy their first home. The math simply doesn’t work for many families anymore. And this pressure doesn’t just live at home. Two-thirds of employees say that the stress of buying a home affects their productivity at work⁵. Financial stress, especially around housing, is one of the biggest drains on focus, engagement, and mental health.
In recent years, HR leaders have broadened the definition of employee wellness. Benefits now often include retirement savings programs, student loan assistance, and financial education.
But there’s still a gap between what companies offer and what employees actually need. 92% of HR leaders believe they provide strong financial resources, yet three-quarters of employees say those benefits fall short⁶.
Buying a home is one of the biggest financial decisions most people will ever make. It’s complicated, emotional, and deeply tied to a sense of stability. When employees get real support during milestones like that, they’re more focused, loyal, and confident in their long-term plans.
That belief led us to build Multiply Mortgage. We partner with employers to make mortgage access and education part of the employee experience, with no cost or administrative lift for the company.
Employees get:
When employees reach milestones like homeownership with their employer’s support, engagement and retention naturally follow. 89% of employees say they’d feel more loyal to a company that offers financial benefits tailored to their needs⁷.
One employee at a Multiply partner company, told us our rate was nearly 2% lower than any other lender she spoke with. The process was simple and transparent, and she said it made her “stay for the next 10-15 years.” That kind of connection is what financial wellness looks like when it actually changes lives.
At Multiply, we use technology to make the mortgage experience faster and easier to understand. Our RateIQ tool helps employees compare loan offers in seconds. It breaks down not just the rate, but the total cost of the loan once fees and credits are included. Behind the scenes, our Sentinel platform automates key verification steps that usually require manual work and back-and-forth emails. By reducing those friction points, we shorten timelines, lower costs, and improve accuracy. The result is a smoother, more affordable experience for employees
Housing stability plays a major role in how people show up at work. When employees are worried about where they live or how they’ll afford their next move, it’s hard to be fully present.
As companies rethink what financial wellness should include, housing support belongs in that conversation. Mortgage benefits help employees build lasting financial security while strengthening loyalty and culture at the same time.
My parents’ story, like so many others, was built on the belief that hard work could turn goals into reality. That belief still matters. It just needs new tools to match today’s world.
At Multiply Mortgage, we’re helping to make homeownership more accessible for today’s workforce — combining modern technology, personal guidance, and employer partnerships to help employees achieve one of life’s biggest goals.
When people feel secure in their homes, they bring that same sense of confidence and focus to their work. And that’s a future worth investing in. Please reach out to learn more or schedule time with me.
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