Whether you are just starting your home search or you are a few weeks from submitting an offer, this guide covers everything you need to know about using Bilt Rewards to purchase a home in the Greater Philadelphia area — including how to request your agent, how the points math works, and what to expect at each stage of the process.
What Is Bilt Rewards?
Bilt Rewards is the leading residential payments and loyalty platform in the United States. It started as a way for renters to earn points on rent payments and has expanded through the Bilt Rewards Alliance — a network of over 4 million homes nationwide — to reward homebuyers as well.
For homebuyers, Bilt offers 1 point per $2 of purchase price, plus limited-time bonuses for pre-approval and closing. There is no cost to join and no obligation beyond working exclusively with your Bilt-assigned eXp Realty agent throughout the buying process.
Where Bilt Buyers Are Searching in the Philadelphia Region
The program covers the full Philadelphia metro area, including:
Philadelphia city and all neighborhoods
Montgomery County — Lansdale, Blue Bell, Horsham, King of Prussia, Ambler, Conshohocken, and more
Chester County — West Chester, Phoenixville, Downingtown, Malvern, and beyond
Delaware County — Media, Haverford, Ridley, Upper Darby, and surrounding areas
Bucks County — Doylestown, Newtown, Langhorne, Warminster, and more
South Jersey — Burlington and Camden counties (Shaina is licensed in both PA and NJ)
The Full Timeline: Bilt to Keys
Here is the complete process from beginning to closing:
Step 1: Join Bilt Rewards at biltrewards.com — free to sign up
Step 2: Submit your home search interest and request Shaina McAndrews as your eXp Realty agent
Step 3: Connect with a mortgage expert through Bilt and get pre-approved — earn 25,000 bonus points
Step 4: Define your search criteria and target neighborhoods with your agent
Step 5: Tour homes and identify the right property
Step 6: Submit a competitive offer with your agent guiding the strategy
Step 7: Navigate inspection, appraisal, and the contract-to-close period
Step 8: Close on your home — earn 25,000 closing bonus points plus base purchase points
Step 9: Transfer your points to airline miles, hotel programs, or other rewards
The Points Math on a Typical Philadelphia-Area Purchase
Here is what Bilt Points look like across common price points in this market:
$400,000 home: 200,000 base points from purchase price
$465,000 home: 232,500 base points (average in the MontCo Living market)
$500,000 home: 250,000 base points
Pre-approval bonus (limited time): +25,000 points
Closing bonus (limited time): +25,000 points
Total on a $465,000 home with both bonuses: approximately 282,500 Bilt Points
Frequently Asked Questions
Is Bilt Rewards free to join? Yes — there is no cost to join or participate in the homebuyer program.
Can I request a specific agent? Yes. When you submit your interest through Bilt, you can request Shaina McAndrews by name.
Does the program work in New Jersey? Yes. Shaina McAndrews is licensed in both PA and NJ, so buyers in South Jersey can participate.
What if I am already working with another agent? You may not be eligible for Bilt Points if you are already under contract with a different agent. Contact Bilt directly for your specific situation.
How long does the bonus offer last? The 50,000-point pre-approval and closing bonus is a limited-time promotion. Visit biltrewards.com for current terms and conditions.
Why Request Shaina McAndrews?
Shaina McAndrews is a licensed PA and NJ real estate agent and team leader at eXp Realty, operating under the MontCo Living brand in Greater Philadelphia and Montgomery County. She has more than 10 years of local market experience, a $465,000 average sale price, and a team of roughly 10 agents serving buyers and sellers across the region.
Her approach is warm, direct, honest, and no-pressure. If you are buying in the Philadelphia area through Bilt Rewards and want an experienced local agent in your corner, she is ready to be that person for you.
Ready to Get Started?
If you are searching for a home in Philadelphia, Montgomery County, Chester County, Delaware County, or Bucks County, you can request Shaina McAndrews as your dedicated eXp Realty agent directly through the Bilt Rewards program. When you submit your home search interest with Bilt, simply request Shaina by name. She will reach out within 24 hours to discuss your preferences, answer your questions, and start helping you find the right home — while making sure you earn every Bilt Point you are entitled to along the way.
Shaina McAndrews | (215) 767-7150 | shaina.mcandrews@exprealty.com | MontCoLiving.com
