Frequently Asked Questions

  1. What is RH Reward?

    Responsible Homeowner Reward (RH Reward) is a patent-pending incentive rewards program which was launched in January 2010. Members of the program gain access to Rewards, which can take the form of cash, discounts, and/or special offers. Program terms vary. If you are currently enrolled in the Program, please refer to your specific Terms and Conditions for details.

  2. How do I get an RH Reward?

    RH Reward is by invitation only. Homeowners are selected by their mortgage company, mortgage insurer, or the investors who own their mortgage. If you are selected, you will be notified by mail, email, and/or phone.

  3. Who pays the Reward?

    RH Reward can be sponsored by one or more of the following: your mortgage lender, mortgage insurer, the investors who own the mortgage, and/or RH Reward Affiliate Partners.

  4. Does it cost anything to be a member of RH Reward?

    No. It does not cost anything to become a member of RH Reward, and there are no annual fees.

  5. Does RH Reward have to be repaid?

    No. RH Reward is not a loan and does not have to be paid back.

  6. Is RH Reward a loan modification?

    No. All aspects of your mortgage remain the same.

  7. When do I start earning RH Rewards?

    Program terms vary. Homeowners may receive their Rewards immediately, periodically (for example once a year as “cash-back”) or at some pre-defined future date such as when they sell their home, refinance, or repay their mortgage in full. If you are currently enrolled in the Program, please refer to your specific Terms and Conditions for details.