For People Teams at Remote-Flexible Bay Area Companies

The housing benefit that costs you nothing.

Your flexible-work policy already unlocked the map. This program turns it into something your employees can hold the keys to: new waterfront homes 78 miles from San Francisco, with exclusive lender and builder credits — and zero cost or administration for your company.

See the benefit package How it works
New Kiper Homes single-family home at River Islands with white board-and-batten siding, black trim, and wood accents
Kiper Homes · River Islands

$0

Cost to Your Company

Up to $2,500

Lender Credit · CrossCountry Mortgage

+ Builder Credits

Kiper Homes · Confirmed at Contract

The Problem

Bay Area housing is quietly taxing your workforce.

Employer research from PwC, ADP, and Marsh McLennan consistently links employee financial stress to lower productivity, higher absenteeism, and turnover — and in this market, housing is the biggest line in the budget. For most of your team, buying near the office isn't a stretch goal. It's off the table entirely.

$1.3–2.1M

Median single-family resale price across core Bay Area counties in 2026 — often for homes built in the 1950s and 60s.

~28%

Share of paid workdays in the SF–San Jose metro still worked from home — a number that has barely moved year over year.

78 mi

Distance from Skye at River Islands to San Francisco — a very different proposition when the commute happens once a week, not five times.

The Benefit Package

Two credits. Exclusive to your employees.

Employees who purchase at Skye at River Islands through the program receive stacked incentives from both the lender and the builder.

Lender Credit

Up to $2,500

Sean Herrero · CrossCountry Mortgage

  • No lender fees
  • No appraisal fee
  • Dedicated loan team for your employees
  • Pre-approval support during relocation decisions

Builder Credit

Substantial builder incentives

Kiper Homes · Skye at River Islands

  • Credits toward closing costs and/or rate buydowns
  • Seasonal promotions on quick move-in homes
  • Priority access for employer-referred buyers
  • Current amounts confirmed at time of contract
Cost to your company: $0. No contracts, no administration, no payroll integration. You make the program available to employees and new hires — we handle everything else.

For Employees with Families

A community built around schools your people will ask about.

Relocation conversations stall on one question: "What about the schools?" River Islands answers it. The community's own on-island K-8 charter schools outperform California averages by wide margins, with a STEM-focused high school on the same campus.

A-

Niche overall grade, River Islands Technology Academy (K-8)

Top 20%

of all California schools for combined test scores

65%

vs. ~47% CA average

Reading proficiency

51%

vs. ~34% CA average

Math proficiency

Why It Works

Housing stability is a workforce strategy.

Less financial stress, more focus

Financial-wellness research repeatedly ties money stress to lost productivity and turnover. Removing the biggest cost barrier in your employees' lives pays back in engagement.

A differentiated offer letter

Salary bands are public and matched within weeks. A curated path to owning a brand-new waterfront home is a benefit candidates remember — and competitors can't copy overnight.

Retention through roots

Employees who buy a home within a commutable radius are making a long-term bet on the region — and on the employer whose flexibility made it possible.

It rewards the policy you already have

You've invested in a remote-flexible culture. This converts that policy into visible, personal value for every employee who uses it — without adding a dollar to your benefits budget.

How It Works

Four steps. Zero administration.

1

Share

Add the program to your relocation packet, benefits page, or new-hire materials. We provide ready-made copy and a co-branded employee landing page.

2

Learn

Optional 30-minute virtual lunch-and-learn for interested employees: the community, the commute math, and the credit package.

3

Tour

Employees book private model tours at Skye at River Islands — evenings and weekends included. Models open daily, 10–6.

4

Close

Sean's team at CrossCountry Mortgage handles pre-approval through closing with credits applied. Builder incentives are applied at contract.

Next Step

Let's set up a 20-minute intro call.

We'll walk through the community, current pricing and incentives, and exactly how the program would look in your benefits materials. If it's a fit, it can be live for your new hires within two weeks.

Email Sean Herrero

Sean Herrero · Loan Officer, CrossCountry Mortgage · NMLS# [add]
[phone] · [email]

Skye at River Islands · A Kiper Homes community
3424 Mulholland Drive, Lathrop, CA 95330 · 209-297-6300