Foyer and Nayya are partnering to offer first-time homeownership benefits to employees across the country.
Employers who use Nayya's agentic AI platform can provide Foyer, a dedicated 401(k) for homeownership, as a benefit that helps its employees buy a home by saving for a down payment, building credit and navigating the entire purchase process in one place, the companies announced in a press release Thursday. The partnership utilizes Foyer's homeownership tools and Nayya's benefits guidance.
"First-time homebuyers have never had to work harder or be more intentional to get into their first home," said Landy Liu, founder and CEO of Foyer, in the release.
"We built Foyer to be a 401(k) for homeownership, a dedicated account and experience that helps people save, build credit and get expert advice so they can stop renting and start owning. Partnering with Nayya means employers can finally offer a homeownership benefit alongside retirement and healthcare, meeting this generation where their real financial goals are today," he added.
The share of first-time homebuyers fell to a record low of 21%, while the typical age of first-time buyers rose to an all-time high of 40 years, according to a report released in November by the National Association of Realtors. Affordability struggles due to
"Young workers are under enormous pressure: they are navigating a historic housing affordability crisis while trying to make sense of increasingly complex benefits and financial decisions," said Sarah Liebel, CEO of Nayya, in the release. "By adding Foyer's first-time homebuyer experience to our platform, we are helping employees turn homeownership from a distant goal into a concrete, guided plan."
Nayya serves millions of employees in the United States. Its new platform reduces benefits-related HR questions and helps employees make decisions, sometimes taking some actions on their behalf. Foyer is the first homeownership-focused benefit on the platform and will be surfaced next to health, retirement and other financial wellness offerings, the release said.
Foyer members can open a dedicated homeownership savings account, set savings goals and earn rewards that can be used toward a down payment. Members can also access credit monitoring and credit-building tools through the platform, as well as advisors, including former loan officers, according to the release.
The partnership reflects increased demand from employers for more benefits that support life goals like buying a home. Many of Foyer's members are lower income earners and women, groups that have been locked out of homeownership and could take advantage of earlier preparation and employer-backed support, the release said.
"Homeownership is still one of the most powerful ways to build long-term wealth, but the system was not designed for today's first-time buyers," Liu said. "Employers are uniquely positioned to help their teams close that gap. Through Nayya, offering Foyer as a benefit becomes as simple as adding another line to the benefits menu, while employees get a single app dedicated to getting them mortgage-ready."
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