NO-COST, NO STRINGS
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.
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.
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.
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©
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
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.
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
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
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
Making an Offer
Offer Strategy: We handle negotiations and ensure you make a competitive offer without overpaying. Offer Strategy Guide
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.
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
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.
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.
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.