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This should be a joyous event in your life. However, many of us find it is a complicated, frustrating, costly maze with a seemingly endless number of roadblocks and obstacles standing in our way. We pride ourself on thinking of new and inventive ways to help YOU make the most of your time and money. We have developed a solution that will provide an exceptional home-buying or selling experience while saving you thousands of dollars! Value and service from a team that you can trust. We are proud to announce a new benefit for Members. Real Estate Services is helping our credit union Members by providing them with "A Better Way To Buy A Home."
This exclusive program is designed to take the guesswork out of selecting a real estate agent, and to ensure the highest quality services are provided to our Members. Real Estate Services strives to eliminate the problems associated with a real estate transaction by devoting more resources than usual.
This is accomplished through the efforts of a dedicated Member Advocate. Your Advocate will connect you with a CU Certified Realtor who is able to help you buy or sell your home. The Advocate helps you through the entire process, working with the Realtor to ensure all time periods and critical decisions are addressed correctly. The Advocate is your ally and is looking out for your best interests throughout the transaction.
Exclusive Member Benefits
Community First Credit Union Real Estate Services* provides these exclusive features for our members:
- Credit Union Certified Realtors
- Dedicated Member Advocate
- GE Homebuyer Privileges Package*
- Rebate On Commission
Please enter the information on the form in order to enroll in the Real Estate Service. When you are finished, print the form and select the Submit button to submit it for processing.
Use this calculator to determine an estimated amount that you can expect in the form of a commission rebate check. This is one of our ways of saying thank-you for using our Program. more info
One of the greatest incentives to using the Real Estate Services Program is the dedicated Member Advocate (MA). Your Member Advocate will contact you regarding your desire to enroll in the Program. Your MA will explain the Program in more detail and find out additional information about your particular housing needs, desires, and wants. Once the Member Advocate has more information about you, the MA will Match you with one of our Credit Union Certified Realtors. Throughout your transaction, your Member Advocate will be your initial point of contact making this as easy as possible for you!
After spending some time talking with your Member Advocate, the MA will painstakingly Match you with a Credit Union Certified Realtor. Your Member Advocate will contact you and the Realtor to make sure that communication has been established the Match is appropriate. The Agents that we have in our Program are hand selected by their branch managers for having exceptional customer service skills and real estate knowledge.
Yet another benefit of being involved with the Real Estate Services Program is the GE Homebuyer Privileges Program. This Program is available to you on either the buying or selling side. On the buying side of a transaction, you will receive an email as soon as a Purchase & Sales Agreement is received. On the selling side, you are able to access the GE Program as soon as your listing agreement is signed. Take advantage of discounts and savings at locations such as Home Depot, Dish Network, ADT Security, moving supplies, GE Appliances, and more. Enrollment into the GE Package can take up to two weeks so make sure and enroll right away!
- Internet access is required to take full advantage of this GE Program and the benefits associated with it.
The Real Estate Services Program is specially designed to make sure that our Credit Union Members truly experience "A Better Way To Buy A Home." We would be more than willing to share and discuss the benefits of our Program with you. Please do not hesitate to contact us regarding any questions about the Program!
Email: MckeownJ@C1CUFL.org
Phone: 904.549.8655
FAX 888.852.6642
EMAIL RES@Prime AllianceRES.com
* APR = Annual Percentage Rate. Does not apply to home equity lines of credit (HELOCs). Rate is for the life of the loan. Terms are 5, 15 and 20 years. Minimum loan amount is $10,000. If loan is paid in full within one year of the date of the loan, a pre-payment penalty up to $1,000 may apply. Home Equity Loan payment example: $60,000 borrowed for a 5-year term at 5.00% APR, sample monthly payment would equal $1,132.28.
** No closing costs for loans up to $100,000 (2nd mortgages only). For loans over $100,000, the estimated fees and costs to open the loan are between $1000 and $2500. Title insurance is required to be paid by borrower on home equity loans and HELOCs greater than $100,000. Property insurance is required, and flood insurance may be required depending upon the location of the property. The amount of a home equity loan is based upon the current market value of the property, minus the amount of any current mortgages and other liens on the property. Please consult your tax advisor and IRS Publication 936 (Home Mortgage Interest Deduction) regarding interest deductibility. Our current HELOC APR ranges between 4.75% APR and 17.9% APR depending on creditworthiness criteria and the HELOC type selected. HELOCs have a variable APR; the maximum HELOC APR is 17.9%. All rates and terms are subject to change without notice; please contact the Credit Union for current rates and terms. Credit subject to approval. Other restrictions may apply. A home equity loan is secured by a lien on your home. Full appraisal, paid by applicant, may be required in certain circumstances.
† APR = Annual Percentage Rate. This product is designed for the purchase and limited cash-out refinance of new construction or existing residential properties. These homes must be built to the standards of the National Home Energy Rating Standards (HERS). All requirements of the standard checklist must be met and a HERS Index of 85 or better must be obtained in accordance with the Energy Star Performance Requirements. This loan applies to one-unit, owner-occupied primary residence; fixed rate mortgages that have a term of 30 years and do not include interest-only option; maximum loan-to-value/combined-loan-to-value 95%. Energy efficient mortgage loan payment example: $200,000 borrowed for a 30-year term at 6.50% APR, sample monthly payment would equal $1,264.14.
Appraisal may be required and fee is the responsibility of member.
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