A Thank You, From American River Home Care

You show up for our patients.
Let's help you come home.

As a way of saying thank you for the compassion and consistency you bring to our patients every day, American River Home Care is offering every eligible employee a closing cost credit toward buying a home of their own.

Apply Online How the credit works
$2,500
Closing Cost Credit
For eligible ARHC team members buying a primary residence
“

Our clinicians and caregivers give our patients stability, day after day, visit after visit. We want the same stability for you. This credit is one concrete way we say thank you for being part of the American River family.

— American River Home Care Leadership
Why It Matters

Owning a home changes the shape of a life

We didn't want this credit to be a nice gesture with nothing behind it, so we actually dug into the research on what happens for people who own a home versus rent — and what it means for teams like ours when caregivers can put down roots instead of moving every year or two. Beyond the wealth it builds, homeownership is consistently linked to better health outcomes and stronger community ties. The pattern was hard to ignore, and it's the reason this benefit exists.

38×
the gap in median net worth between the typical American homeowner ($396,200) and the typical renter ($10,400) — the single clearest reason homeownership is called the biggest wealth-builder in American life.

Rent keeps climbing. A mortgage doesn't.

10-year change in cost: market rent vs. a locked-in fixed mortgage payment
Rent has risen 54% nationally since 2015. A fixed-rate mortgage payment set today is the same payment a decade from now.

This credit pays for itself

What it costs to replace a caregiver vs. this closing cost credit
Agencies spend $2,600–$5,000 replacing a single caregiver who leaves. A $2,500 credit that helps someone stay is cheap by comparison.
$23,500
Average equity gained by U.S. homeowners in 2024 alone — wealth that quietly builds in the background of everyday life.
8.5 yrs
Average length of time today's homeowners stay in one place — a 25-year high, and a sign of the roots a home creates.
75%
Average annual caregiver turnover across the home care industry. Helping our team put down roots is one of the most meaningful things we can do about it.
65.7%
Share of American households who currently own their home — a milestone still out of reach for the other third of the country.
Sources: Federal Reserve, Report on the Economic Well-Being of U.S. Households (2025); U.S. Census Bureau, Housing Vacancy Survey (Q4 2025); CoreLogic / FHFA home equity data (2024); U.S. Bureau of Labor Statistics, CPI for Rent of Primary Residence (2015–2025); Activated Insights, 2025 Home Care Benchmarking Report; ShiftCare, caregiver replacement cost estimates (2026). Figures are national averages and provided for general context, not a guarantee of individual outcomes.
How It Works

A simple, four-step thank you

No fine print gymnastics — just a straightforward credit toward the cost of closing on your first or next home.

01

Confirm eligibility

Check with HR on tenure and employment status requirements for the program.

02

Get pre-approved

Work with Eric Teply at Cornerstone Funding to get pre-approved.

03

Submit your paperwork

Share your purchase agreement and closing details with HR ahead of closing day.

04

Receive your credit

Your $2,500 credit is applied toward eligible closing costs at settlement.

Preferred Lending Partner

Eric Teply | Cornerstone Funding

Honest Answers ~ Honest Loans

American River Home Care employees can work with Eric Teply and the Cornerstone Funding team to apply your $2,500 closing cost credit toward a purchase or refinance — with the same straight-talk, education-first approach they've brought Sacramento-area homebuyers for over a decade.

Apply Online Get a Free Quote
(916) 761-4915 · eric@ericteply.com · ericteply.com
Cornerstone Funding · CA DRE Broker #02236382 · NMLS #2575298 · Equal Housing Opportunity
Eric Teply, Cornerstone Funding
Education-based mortgage lending
One Family, Many Ways to Care

The companies behind American River Home Care

This benefit belongs to every part of our family of companies — because it's the people, not the entity on the paycheck, that we're saying thank you to.

Parent Company

American River Health Care

The home office behind every American River company and every employee benefit.

americanriverhealthcare.com →
Hospice

American River Hospice Service

Comfort-focused, end-of-life care for patients and the families who love them.

arhssac.com →
Infusion & Pharmacy

American River Infusion Pharmacy

Home-based infusion therapy, specialty pharmacy, and ambulatory infusion care.

arinfusion.com →
Companion Care

American River Companion Care

Non-medical companionship and daily support for clients living independently.

arccsac.com →
Visiting Providers

American River Visiting Providers

Clinical providers who bring visits directly to homebound patients.

arproviders.com →
Home Care

American River Home Care

Quality, compassionate home care — every patient, every time.

arhcsac.com →

Thank you for everything you do. Let's help you get home.

Reach out to HR to confirm your eligibility and start the process — it's our way of investing in the people who invest in our patients every single day.

Email HR to Get Started