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Mortgages & Mortgage/Real Estate Related Discounts

 

 

Premium Mortgage

 

Free pre-approval, free credit report, and cash back at closing

 

Tier One Mortgage

 

Over $1,500 in savings up front on application & underwriting

 

 

Citizens Bank

 

A $500 credit at closing & a Citizens relationship pricing discount

 

Provident Funding

 

Save up to $5,000 with 0.25% closing cost discount

 

 

Vintage Realtors

 

Full-service Brokerage offering thousands in cash back for buyers & sellers

 

Insurance Trak

 

$10 gift card with any auto, home, renters, or life insurance quote

 

 

Schell Law

 

Savings on real estate closings and other legal services

 

Liberty Mutual

 

Group rate discounts on home, auto, life, and pet insurance

 

 

Parkwood Heights

 

10% off your 1st six months of a senior residence agreement

 

Citizens One Student Loans

 

Up to $1,000 off a refinance loan or $500 off a new student loan

 

 

 

All offers in Mortgages and Real Estate (just click on a link):

Citizens Bank Mortgage

Premium Mortgage

Provident Funding

Tier One Mortgage

And . . .

InsuranceTrak

Liberty Mutual Insurance

Parkwood Heights (senior living)

Schell Law

Vintage Realtors - cash back to either buyers or sellers at closing

 

 

 

 

Citizens Home Mortgage Employee Benefit Program

Citizens Bank has partnered with My Better Benefits to bring you all the advantages of the Home Mortgage Employee benefit program.  

 

  • Please call your My Better Benefits/Citizens Team to learn how you could possibly qualify for a $500 credit at closing, and a Citizens relationship pricing discount

 

Whether you’re looking to buy your first home, looking for a new home, trading up or refinancing, our mortgage experts will guide you through the process and provide personal attention and expert guidance every step of the way. 

 

  • For Upstate NY employees, click on the more button below to learn more about this exciting benefit.   Please mention offer code YP-MBBR when you contact your my Better Benefits/Citizens Team.

For Upstate NY

Offer code YP-MBBR

 

 

  • For employees outside of the upstate NY area, click on the more button below to learn more about this exciting benefit.   Please mention offer code YP-MBBOR when you contact your my Better Benefits/Citizens Team.  The mBB/Citizens Bank mortgage benefit is offered in all 48 contiguous states (not offered in Alaska or Hawaii).

For all areas outside of Upstate NY

Offer code YP-MBBOR

·   

 

 

Member FDIC. Citizens Bank® is a brand name of Citizens Bank, N.A. and Citizens Bank of Pennsylvania. © 2017 Citizens Financial Group, Inc.

 

Citizens bank has branches in CT, DC, DE, FL, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, RI, SC, VA, and VT.

 

 

 

 

 

 

 

 

Premium Mortgage

When you use Mary Battaglia at Premium, you will receive a free pre-approval report and credit report to start the mortgage process.    The simplest mortgage discount available. 

 

You'll find the most competitive closing costs and rates you'll PLUS:

  1. Free pre-approval report; and

  2. Free credit report to start the mortgage process. 

  3. If you decide to obtain your mortgage through Premium, you will receive a check after closing for $500!

*This discount is ONLY available through Mary Battaglia and may not be honored by any other Premium broker.  Show your mBB ID card to Mary at the time of your first meeting to validate your discount.

 

Premium Mortgage Corporation has offices in and can service:

 

  • Buffalo/Western NY

  • Canandaigua

  • Great Neck/Downstate

  • Rochester/Central NY

  • Syracuse

 

Mary Battaglia 585-241-0000, x129.  E-mail:  MaryBattaglia@premiummortgage.com

 

 

 

 

 

 

MTD

Provident Funding

We are known as The Mortgage Price Leader®, and we have teamed up with My Better Benefits so that you can take advantage of an exclusive 0.25% discount towards closing costs on top of our aggressive rates. For over 25 years, Provident Funding has helped its customers finance their home purchases and refinance loans for primary, second and investment homes with superior service and efficiency, producing high quality loans at industry low costs. View live rates or apply today to benefit from:

  • Exclusive 0.25% closing cost discount on top of industry leading rates, saving up to $5,000

  • Home purchase or refinance loans for primary homes, second homes or investment homes

  • Closing times of 30-days or less, on average

  • Online account to securely download/upload documents and track loan progress 24/7

  • Industry unique Conditional Approval for purchases - the next best thing to cash offers

Note, if you are unable to access the page, please email us for the code and be sure to include your employer name in the subject line

 

Provident Funding lends in CA, CT, FL, IL, MA, NJ, OH, PA and many other states. 

Discount is 0.25% and amount will vary based on the new loan amount and property state. Non-lending states include: AL, AK, AR, DE, HI, ID, IA, KS, LA, ME, MS, MT, NE, NV, NH, NM, NY, ND, OK, RI, SD, VT, WV, WI, & WY.

Must use discount code (we will provide you at the link above) online at www.provident.com/MyBetterBenefits or when calling 1-888-547-4050. This is not a guarantee to lend. Additional factors may impact eligibility. Discount restrictions may apply.

Provident Funding Associates, L.P. (NMLS #3821) l www.nmlsconsumeraccess.org l Equal Housing Opportunity

700 Airport Blvd, Suite 430, Burlingame, CA 94010 l AZ: 1839 S Alma School Rd, Suite 310, Mesa AZ 85210;

IL: Illinois Residential Mortgage Licensee, 221 North LaSalle Street, Suite 1030, Chicago IL 60601;

MO: 435 Nichols Road, Suite 235, Kansas City MO 64112 l TX: 4131 N. Central Expressway, Suite 445, Dallas TX 75204

 

 

 

 

Tier One Mortgage

Tier One Mortgage offers competitive rates and low closing costs with mortgages designed to fit your needs - not fitting you into a mortgage whose terms may not be best for you.  And of course, Tier One offers service that makes a difference.

 

Lender credits provided to borrowers typically result in a higher interest rate.  Not so with Mark's promo - great rates and low costs!  This is a major savings compared to programs offered by many competing lenders.   TRID loans typically closed in about 30 days. 

 

When you use Mark Leach at Tier One Mortgage to obtain your new mortgage or refinance an existing mortgage, you will receive:

 

  • No application fee - a $200 value!

  • No processing fee - a $475 value!

  • No underwriting fee - an $895 value!

  • Free credit report with pre-qualification

  • Competitive rates from multiple lenders

  • Unique programs that many lenders do not offer - they save you money!

  • Un-matched personal service with 12 years of experience from pre-qualification to post-closing.

 See and print the flyer

 

 

>> This discount is ONLY available through Mark Leach.  Please check directly with Mark to validate current offers.

 

 

 

Mark Leach, NMLS #24112, Tier One Mortgage, Member FDIC, NMLS # 37972, 674 Ridge Road, Suite 100, Webster, NY, 14580.   Telephone:  585-576-6605 or 585-282-0960  E-mail:  mleach@tieronemtg.com

 

 

 

 

 

Our Featured Real Estate Partners . . .

 

Vintage Realtors - Real Estate & Relocation

Vintage Realtors is a boutique realty firm located in Pittsford, NY that serves all of the U.S. and offers mBB members the potential for thousands of dollars cash back when they buy or sell their homeWe use a team-based approach to provide you with the best experience - multiple agents and brokers assigned just to you to provide you attention and access 24/7.  We are a full-service brokerage.

For clients in Western and Central NY, we can assist you in selling your home for the most advantageous terms available to you or if you are buying, we can help you find that perfect home and negotiate forcefully on your behalf for the best possible terms.

For sellers, with over 35 years of real estate experience, our brokerage provides sellers with the expertise to properly price and position their home in a competitive marketplace, ensure the property is listed on all major real estate Internet sites, provide all photos for the listing, help stage their home for the best effect, manage all showings, negotiate all offers for the best possible terms, and see the transaction through to closing.

For buyers, we will work with you to ascertain your housing needs, establish a search for you to identify all possible properties meeting your search criteria, accompany you to showings,

For clients in the rest of the U.S., or for those relocating out of the NY area, we can work with you to find the perfect Realtor to assist you in home buying/selling at no charge.  As a referring Realtor, we offer a win-win-win situation.  We will connect you with the right agent in the area you are looking at who best meets your needs.  We do the search and analysis according to your specifications.  It's a better way to engage a professional than a tip from a friend or a new co-worker who "knows someone . . ."  It avoids conflict of interests with family members or other awkward referrals.  We will thoroughly vet all candidates and present you with a slate of prospects from which you may choose.  And then we stay involved in the process - providing you a "second set of eyes" to help answer questions and oversee the process from start to finish.

 

Your Savings:

 

 

As an mBB member, if you engage Vintage Realtors to help you either buy or sell your home, or both, you can enjoy significant savings, thousands of dollars.  At or after closing (depending upon the transaction - at closing for sellers or after closing for buyers) we can provide you with actual cash back - 15% of Vintage Realtor's real estate commission on any transaction for any transaction of $100,000 or more.  We believe these amounts to be among the most generous in the industry.

 

Here's how it works:*

 

Buyer: 

 

$100,000 home purchase - your cash back after closing, $450.00

 

$150,000 home purchase - your cash back after closing, $675.00

 

$300,000 home purchase - your cash back after closing, $1,350.00

 

 

Seller: 

 

$130,000 house sale - your cash back at closing, $585.00

 

$200,000 house sale - your cash back at closing, $900.00

 

$350,000 house sale - your cash back at closing, $1,575.00

 

 

Both selling & buying: 

 

$150,000 house sale & $200,000 home purchase - your cash back after closing, $1,575.00

 

$250,000 house sale & $300,000 home purchase - your cash back after closing, $2,475.00

 

You may combine your real estate discounts with those offered by mBB member mortgage companies, insurance companies, attorneys and more to almost triple the above savings.

 

 

E-mail us for details and to let us assist you in selling your existing home or helping you find the home of your dreams!

 

 

Vintage Realtors, 395 Garnsey Road, Pittsford, NY  14534    (585) 713-3370 or (585) 354-9085    Email:  VintagerealtorsNY@gmail.com

 

* Above illustrations based upon a sample 6% commission split between the buying and selling brokerages.  Actual commission rates may vary.  Contact your broker for further information.

 

 

 

 

 

Homearama

Plans for Homearama 2021 are to be announced.

 

 

 

Your mBB discount is the best discount available anywhere:

 

Tickets are regularly $10.  Show your mBB ID card at the gate to save $3  - only $7 each for as many as you would like to purchase!   And yes, this is the best discount available anywhere.  You don't need to print off a coupon in advance, just show your mBB ID card (see below).

 

Get your mBB ID card here

 

or

 

Show your mBB ID card on your smart phone at the gate

 

Homearama Hours of operation:

 

Saturdays, 10 AM to 8 PM

 

Sundays, 10 Am to 6 PM

 

Monday thru Friday, 12 PM to 8 PM

 

Watersong Trail – off Five Mile Line Road north of Plank Rd

 

 

 

 

 

 

 

 

Insurance

Companies providing mBB members with access to and discounts on life, home, long term care, auto, and disability insurance.

 

 

 

 

 

 

 

 

 

Legal Services

Professional legal services for house closings, divorces, bankruptcy, criminal representation, simple wills, power of attorney, living wills, health care proxy, etc.

 

 

 

 

 

 

 

Parkwood Heights

Parkwood Heights is a picturesque, 122 acre senior living campus that provides fresh choices for retirement living. Whether you're newly retired, considering retiring, or just looking for a secure and supportive environment to age in, Parkwood Heights is the perfect location for a relaxed lifestyle. 

 

Parkwood Heights Senior Living Campus 1340 Parkwood Drive, Macedon, NY 14502 315.986.9100 585.223.7595 pwh@parkwoodheights.com   

 

 

Parkwood's independent senior living campus offers apartments and villas for lease and Patio homes for sale.

 

 

 

 

 

mBB members (and their immediate family members) can save two ways at Parkwood Heights.

 

  • Exclusive to mBB members only.  10% off for the first 6 months with any new resident signed agreement for an Apartment or Villa.

  • Purchase a custom-built patio home and receive a free upgrade to the standard landscape package, a $500 value.

  • Your mBB ID card must be presented prior to move-in to take advantage of this offer.

 

A Bit More about Parkwood Heights

 

If you’re looking for Senior Living for yourself or a loved one . . . .  look no further!!  Independent Living or Enriched Living at it’s best.  Apartments, equipped with a full kitchen, ample natural light, full bathrooms with walk in showers and grab bars, and a patio or balcony!  Meals, housekeeping, utilities, transportation, activities - are just some of the amenities we include in our rent for Independent Living.  The Enriched Living Program includes medication management, assistance with showers, 24/7 personal aide service, reminders – just to mention a few services.  Villas provide a maintenance free, independent lifestyle in the seclusion of a rented ranch-style cottage with an attached garage and also includes utilities, trash pickup, lawn care, snow removal and more.  Promotional offers extend to Apartments and Villas.  Patio Homes are individually purchased properties on our campus.  Information and showings can be arranged through Pat Welker.  Visit our website for a virtual tour and to learn more at:  www.parkwoodheights.com.

 

 

Our new homes for sale, senior apartments, and villas (all offering spacious floor plans) give you the freedom to continue living independently while enjoying the closeness of friendly neighbors.

Regardless of your choice, you'll be in a beautiful, private location within an active community that offers the kind of lifestyle you've always had, and maybe always wanted...

Our mission is to 0ffer an attractive lifestyle to the retired and senior community through a secure, caring, and active community with well designed surroundings and a wide array of personal services that meet all present and future needs - a place you're proud to call home.

We are committed to our residents' happiness; the well being of those living with us; and providing the opportunity for self-fulfillment.

 

 

 

 

 

 

Parkwood Heights • 1340 Parkwood Dr., Macedon, NY •   Telephone:  315-986-9100   or   585-223-7595

 

 

 

 

 

 

 

VRBO (and previously HomeAway)

 

Vacation Rentals by Owner from Home Away - FIND OR LIST YOUR PERFECT VACATION HOME.

VRBO is the leading online source for finding vacation rental properties with discounted rates and last-minute deals.  We post this here on behalf of our mBB members who may be wanting to list their vacation home or lake cottage for rent.  We've tried them ourselves and we find the experience to be a very satisfying one.

 

Featuring more than 35,000 vacation rentals ranging from Florida beach houses to European villas, VacationRentals.com connects travelers seeking the space, value and amenities of vacation rentals with homeowners looking to rent out their vacation properties.

 

The HomeAway Brand has been subsumed into the VRBO family.  All searches will now be performed on VRBO.

 

 

  • Rent a house for half the price of a hotel.  Vacation rentals for less than $50 a night.

  • Now offering flexible cancellation rentals.

  • List your place for FREE on Home Away!    Only pay when you get a booking.

  • Ski vacation rentals

  • Beach vacation rentals

  • Find rentals that accept pets!

 

 

 

 

 

 

 

 

Buffalo Home Show, Mar 6-8 and 13-15, 2020

With hundreds of exhibits all under one roof, you will be able to shop, compare and save on every kind of product for your home.  

 

 

 

 

Appearing at the 2020 show:

  • A feature garden by A-1 Land Care

  • Celebrity designer rooms

  • Craft beer corner

  • And much more!

Regular $9.00 online adult tickets are only $5.50 (40% off or 50% off the $11.00 door price) when you use the promotion code MBB.  Order and pay for your tickets

 

 

 

promotion code: MBB

 

 

Tickets are e-mailed to you upon purchase completion.

 

 

 

 

 

 

 

 

 

The mBB web site contest is open to mBB members only.

 

 

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© COPYRIGHT 2014, 2017, 2018, 2019, 2020 & 2021 by

my Better Benefits

Rochester, New York

ALL RIGHTS RESERVED

 

 

mBB is overseen by an independently elected Board of Directors and is a 501 (c)3 charitable organization that gives back to organizations supporting children in the communities we operate within.

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mBB may earn a commission when you use one of our coupons or links to make a purchase.  We do not promote any one vendor over another and our Board's policy is not to accept advertising but only promote offers to our members that provide some type of discount or added value to our membership regardless of whether or not they provide any financial payment to mBB.  Read more.