Nearly one in four employees say such perks could be a deciding factor in where they choose to work
With homeownership feeling increasingly out of reach for many American workers, a growing number are turning to their employers for mortgage-related support.
That’s the key takeaway from Multiply Mortgage’s 2025 workforce survey, “The State of Mortgage Benefits,” which highlights how financial stress and limited savings are impacting both employees and the companies they work for.
The national survey, conducted in May 2025 among 1,000 full-time US employees, found that nearly half of respondents are living paycheck to paycheck, and one-third have less than $1,000 in savings. Many workers feel unprepared for the major financial decisions required in the homebuying process and often rely on informal sources (like real estate websites, agents, or advice from friends and family) over professional guidance.
“This data confirms what we’re hearing from employees and employers alike,” Multiply Mortgage CEO Michael White said in the report. “People are under financial pressure, and homeownership feels further out of reach than ever. Employers are looking for meaningful ways to help, especially when budgets are tight.”
Financial uncertainty isn’t just a personal issue, it’s spilling over into the workplace. The survey revealed that nearly three-quarters of employees planning to buy a home spend hours each week at work worrying about or distracted by their housing situation, with 12.1% saying they lose more than six hours a week to these concerns. Nearly 70% of respondents believe employer-provided mortgage support would help them stay focused at work.
“Our survey found that about a quarter of employers have cut back on benefits in the past year. Mortgage benefits are one way to provide that support without adding cost,” White said.
Two-thirds of surveyed employees said that access to lower mortgage rates through their employer would be extremely valuable. Almost three in four would be more likely to join a company offering this support, and 23.1% indicated it would be a deciding factor for them. A third of employees reported that mortgage-related benefits would significantly boost their job satisfaction, and 34.7% said these benefits would increase their loyalty to their current employer.
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