OEHB offers a wide-variety of financial services

These services include:

1. Special Mortgage Programs through our partnerships with hand-picked lenders

2. Substantial Savings on your home loan

3. Information Your Credit and a Rent vs. Buy analysis

4. Education on the home mortgage process

5. Education on the home mortgage business

Since we began OEHB we have noticed two things about educators when it comes to homeownership:

1. Many educators don't believe they can afford to own a home

2. Many Educators think they have too much debt, or bruised credit - especially when it comes to student loans

The truth is quite the opposite! 

The facts are: 

• The vast majority of people can qualify to buy a home of their own

• Virtually every American has a glitch on their credit

Most of our OEHB finance packages don't count student loans as debt while they are deferred 

Owning a home still remains the best way for anyone to build wealth.

Two-thirds of U.S. household own their own homes.  According to The Wall Street Journal, U.S. homes appreciated at 9.2% in 2000 and 6.9% for 2001 and have seen 9% appreciation on average this year.  With U.S. stock portfolios off $4 trillion and home equity up $1.2 trillion since the start of 2000, some U.S. investors sensibly ask, should we take money out of the stocks and put it into real estate?

While we are not economists, and we know that stocks have outperformed all other asset classes since the 1920s, U.S. residential real estate from 1980-2001 returned a nominal 158% and a real (inflation-adjusted) 20%.

However, real estate is not about national averages and homes are not stocks, and most people don't buy them as an investment.  What they do buy depends entirely on local factors: price variances by city, neighborhood, block, and of course, the actual property itself.