Expands Mission to Help Renters Build Path to Homeownership Through Credit History Building and Revolutionary Home Search Tools

Bilt Rewards, the pioneering rewards program for renters, today announced a groundbreaking expansion that allows Bilt Members to earn substantial Bilt Points when purchasing a home through an eXp Realty agent—often hundreds of thousands of Bilt Points on a single transaction. This first-of-its-kind program awards one point for every $2 of a home's purchase price—meaning a $400,000 home purchase could earn up to 200,000 valuable Bilt Points—which are redeemable for travel, fitness classes, and more.

“Americans receive rewards for everyday purchases, but have never been properly rewarded for the largest purchase they will make in their lifetime. Bilt pioneered Bilt Points on rent payments to give members something back on their biggest monthly expense. Now, we're going to reward them when they buy a home—their largest lifetime purchase," said Ankur Jain, Founder and CEO of Bilt Rewards. "This is part of our broader mission to make the path to homeownership more accessible and rewarding for our members."

This points-earning opportunity comes as part of Bilt's comprehensive initiative to help renters transition to homeownership, which includes:

Building Credit History Through Rent

As one of the largest free sources of rent reporting, Bilt helps members boost their credit history by reporting their rent payments to all three major credit bureaus. Through Bilt’s app renters can monitor their credit score and track their progress toward mortgage qualification.

Revolutionary "Buy a Home" Tool Makes Home Shopping Simple

Bilt has launched an innovative home search tool that transforms how renters approach buying a home. Unlike traditional calculators that require users to input complex mortgage calculations, Bilt's technology shows available homes based on best estimates of an all-in monthly payment—making it easier for renters to compare the monthly cost of homeownership to their current rent.

The tool provides unprecedented personalization by:

• Converting home listing prices into transparent best estimates of all-in monthly payment amounts that include costs like property taxes and insurance;
• Factoring in Bilt Members’ actual financial profile to determine indicative rates and mortgage types across FHA, Fannie Mae, Freddie Mac, and NQM lenders;
• Allowing Bilt Members to explore various downpayment scenarios and to incur added savings by applying Bilt Points towards a down payment; and
• Showing available homes across different cities based on monthly payment to see how Bilt Members’ buying power differs by geography.

“The path to homeownership seems distant to American renters, but for many, homeownership is closer than they realize. Most home search tools start with a purchase price and expect buyers to figure out complex mortgage calculations on their own. Bilt now makes it surprisingly easy by simplifying the home search to include an all-in monthly mortgage price so consumers can now see how far their monthly rental payment could go toward owning a home,” said Bilt Board Member and former Fannie Mae CEO Tim Mayopoulos. “It's about making homeownership feel achievable and transparent."

To enable the points-earning benefit, Bilt has partnered with eXp Realty, allowing members to earn one point for every $2 of their home's purchase price when working with an eXp agent to find their perfect home.

“At eXp Realty, we're committed to empowering homebuyers with innovative solutions that make the journey to homeownership more accessible and rewarding,” said Leo Pareja, CEO of eXp Realty. “Our strategic relationship with Bilt enhances this commitment by providing homebuyers the ability to earn significant rewards while making the most important purchase of their lives. This collaboration not only simplifies the homebuying process but also brings unprecedented value to the table, helping more people turn their dream of owning a home into a reality. Together, we're creating a future where homebuyers are rewarded for every step they take on the path to homeownership."

The Complete Path to Homeownership

This expansion reflects Bilt's commitment to supporting renters at every stage of their housing journey—from building credit history through rent payments, to understanding their home buying power, to earning valuable rewards when buying a home. The program creates a clear roadmap from renting to owning while making the process more rewarding than ever before. Anyone can become a Bilt member, and sign-up is free.

To learn more about Bilt Rewards and its revolutionary homebuying program “Buy a home”, please visit https://www.biltrewards.com/buy-a-home, download the Bilt Rewards App, or contact our media relations team at media@biltrewards.com.

About Bilt Rewards

Bilt Rewards is the pioneering loyalty program for where you live that allows renters to earn rewards on rent and benefits in their neighborhood, while building a path towards homeownership. Through the Bilt Rewards Alliance, a network of more than 4.5 million rental units, Bilt Members can earn points just by paying rent. Launched in June 2021, Bilt Rewards boasts one of the highest value rewards programs on the market today, including one-to-one point transfers for travel across over 100 major airlines and hotel partners; fitness classes at the country's top boutique studios; limited-edition and exclusive collections of art and home decor through the Bilt Home Collection, and the ability to use points for rent credits or towards a future down payment. For more information, visit www.biltrewards.com.

About eXp World Holdings, Inc.

eXp World Holdings, Inc. (Nasdaq: EXPI) is the holding company for eXp Realty®, FrameVR.io and SUCCESS® Enterprises.

eXp Realty is the largest independent real estate company in the world with more than 85,000 agents in the United States, Canada, the United Kingdom, Australia, France, India, Mexico, Portugal, South Africa, Puerto Rico, Brazil, Italy, Hong Kong, Colombia, Spain, Israel, Panama, Germany, the Dominican Republic, Greece, New Zealand, Chile, Poland and Dubai and continues to scale internationally. As a publicly traded company, eXp World Holdings provides real estate professionals the unique opportunity to earn equity awards for production goals and contributions to overall company growth. eXp World Holdings and its businesses offer a full suite of brokerage and real estate tech solutions, including an innovative residential and commercial brokerage model, professional services, collaborative tools and personal development. The cloud-based brokerage is powered by FrameVR.io technology, offering immersive 3D platforms that are deeply social and collaborative, enabling agents to be more connected and productive. SUCCESS® Enterprises, anchored by SUCCESS® magazine and its related media properties, was established in 1897 and is a leading personal and professional development brand and publication.

For more information, visit https://expworldholdings.com.

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