Homes for Sale by Ray
Homes for Sale by Ray
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    • Your Home
    • Employee HomeOwnership
    • Careers
    • Employee Home Portal
  • Your Home
  • Employee HomeOwnership
  • Careers
  • Employee Home Portal

Employee Homeownership Assistance Program®

Your No-Cost Benefit for Hassle-Free Home Buying. "Turning Employees Into Homeowners--One Key at a Time."

Find out more

NO-COST, NO STRINGS

A picture of a couple and a realtor educating the buyers on their home buying journey

Why This Program Exists

From Ray Pearson, Broker/Owner of Cobbleridge Realty: “After decades in real estate—and a tough first-home experience—I created the Employee Homeownership Assistance Program to end confusion and fear. No one should feel pressured or misled. I’m here every day to answer your questions and help you buy with total confidence.”

 

  • Zero Employer Cost: This voluntary benefit is completely free to both employees and your company.
  • Private & Confidential: Your personal finances stay between you and our dedicated team—never shared with your employer or placed online.

Immediate Next Step: Enroll Here to see how this program can fast-track your journey to homeownership.

A photo of Ray Pearson broker and the creator of Employee Homeownership Assistance Program ®

Meet Your Dedicated Buyer’s Agent: Ray Pearson

Meet Ray—a proud Suffolk County, Long Island native, devoted husband, father of four, and grandfather of ten. Equipped with multiple licenses as a real estate broker, mortgage loan officer, and life and health insurance professional, Ray has long recognized a serious flaw in the real estate industry. Too often, brokerages prioritize revenue over people, leaving agents—and ultimately consumers—feeling neglected and mistrustful.


Driven to make a difference, Ray created the Employee Homeownership Assistance Program®  to introduce a more transparent, ethical approach. Rather than relying on sales gimmicks or manipulative tactics, he focuses on delivering clear, honest service. Ray firmly believes that by fostering trust and integrity at every step, real estate can be a genuinely positive and rewarding experience for everyone involved.

 

  • Exclusive Buyer Representation: I don’t list properties or represent sellers, so I focus 100% on you.
  • Off-Market Access: Gain insider access to homes not publicly listed.
  • Mortgage Loan Expertise: As a licensed mortgage loan officer, I’ll guide your financing from start to finish.
     

A couple starting their home buying journey on-line

How to Get Started (3 Steps)

We believe that every client is unique, and we take the time to understand their individual needs and goals. Our approach is personalized, and we work closely with our clients to ensure that they are completely satisfied with our services


Step 1: Enroll Online
Fill out a quick form (takes 2–3 minutes) to let us know where you are in your home-buying journey.  Begin Enrollment


Step 2: Schedule a 15-Minute Consultation
We’ll discuss your goals, budget, and any challenges—credit, down payment, timing—and map out a plan. Book a Call


Step 3: Launch Your Homeownership Plan
We’ll walk you through credit tips, mortgage pre-approval, shopping for properties, and more—every step of the way.

step by step through the home buying journey

Employee Homeownership Assistance Program® Highlights

Buyer Education Center: step-by-step guides, free credit check & repair tips, plus a mortgage calculator to test payments before you shop.

Happy couple holding a picture frame of a home with the title of home buyer education underneath

Buyer Education Center

What You’ll Learn: The basics of home buying, common pitfalls, and how to save on closing costs. And  customize strategies for your unique financial situation and timeline. All of this information can be found in  The Ultimate Homebuyers Educational Workbook© 


 

A picture of someone checking their credit score on their cell phone

Credit Check & Repair

Introducing the next generation of credit repair. It's just unconventional. Simple. Smarter. Better. Easier. For more information read Credit Rehab Guide: Boost Your Score Before You Buy a Home in Suffolk County  Also here is your Credit Rehab Checklist

A picture of a home and a mortgage calculator

Mortgage Calculator

Estimate Monthly Payments: Quickly see what you can afford. Also view the difference between rent vs buy calculator


 


Pre-Approval & 8 Keys to Smart Home Shopping

Secure pre-approval, master 8 success pillars, and shop confidently for your ideal Long Island home.

A picture of an approved mortgage application

Mortgage Pre-Approval

We’ll connect you with a trusted local lender that fits your needs—or handle the process in-house for you. No duplicate applications. No extra credit pulls. Just the best rates and terms available.

 

Gather these documents to get started:

  • Last 2 pay stubs
  • Last 2 years of W‑2s
  • Last 2 years of tax returns
  • Bank statements (most recent 2 months)
  • Photo ID (driver’s license or passport)

 Begin your pre‑approval today. And don’t forget to Download the physical Checklist Here

The picture is of a home with the text of unlocking home buying secrets , the 8 pillars of success

8 Pillars Of Home Buying Success

Exclusive  home buyers guidance from down payment assistance programs , to how we shop for the right mortgage for you and how we structure offers and so much more. Watch Unlocking Home Buying Secrets 

A picture of a model home on a laptop keyboard -home buyers starting point

Home Shopping

Off-Market Advantage: Reduce competition by accessing properties that never hit public listings. View Public Listings Request  and Off-Market Alerts


From Offer to Ownership

Offer, inspection, closing, move-in, warranty—your guide

A potential buyer is making an offer on a home in the picture

Making an Offer

Offer Strategy: We handle negotiations and ensure you make a competitive offer without overpaying. Offer Strategy Guide
 

Home inspector explaining his findings to the potential new home buyer

Home Inspection & Acceptance

 Due Diligence: Get connected with expert local inspectors and receive a detailed review of your inspection report—so you know exactly what matters and what doesn’t.
👉 Be sure to check out and download the full Home Inspection Blog and Printable Checklist for Suffolk County buyers. 

A realtor handing over the keys to the home buyers new home

Closing the Deal

Paperwork & Deadlines: We coordinate every document, signature, timeline, and final detail—so you don’t miss a beat. From lender communication to closing day logistics, we keep it all on track.
📖 Read this blog for a deeper breakdown of what to expect, and
📄 Download the Closing Checklist (PDF) to stay fully prepared. Add a description about this item

Picture of a family with boxes in their new home-it must be moving day

Moving In

Seamless Transition: From setting up your utilities to forwarding your mail, we guide you through every step of your move. Simplify the process and save hours using our free, integrated platform to compare and schedule service providers—at no cost to you.

📖 Be sure to read the blog Seamless Transition: Moving & Utility Setup Checklist
📄 and download the Moving & Utility Setup Checklist (PDF) to stay organized and stress-free.

Couple just bought their first home but our services don't end there

Post Closing

Closing day isn’t the end of your journey—it’s the beginning of homeownership. From changing locks to setting up utilities and organizing your documents, a few key steps will help you start off right. 📖 Be sure to read the blog: What To Do After Closing on Your New Home for expert guidance, and
📄 Download the Post-Closing Checklist (PDF) to stay organized after the move.


Illustration of a home warranty plan protecting appliances and systems in a house

Home Warranty

A home warranty is a yearly service plan designed to help cover the cost and stress of unexpected breakdowns in your home’s systems and appliances. With providers like American Home Shield, coverage often goes beyond repairs—offering discounts on routine maintenance and exclusive member perks to keep your home running efficiently year-round.

📲 For more details or to find the right plan for your home, contact Ray Pearson today.

If we’ve missed a topic or you’d like more details, just let us know.

  • Your Home
  • Employee HomeOwnership
  • Careers
  • Financial Calculators
  • Buyers Resource Library

Homes for Sale by Ray

(631) 320-5849

Copyright © 2025 Cobbleridge Realty Corp. - All Rights Reserved. 

Licenses #: 10311209234, NMLS 223314 and LA-1752864  

“HomesForSaleByRay.com is the online real estate portal powered by 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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