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OUR CLOSING COSTS PROGRAM

We will pay a portion of your closing costs when you build a new home or buy a home from a builder's inventory.  It can save you thousands of dollars!

WHAT ARE CLOSING COSTS

When you purchase a home, you will have to pay what is known as closing costs.  These are fees above and beyond the down payment on your mortgage.  Closing costs generally amount to around 2% of the cost of the home.  For example, if you buy a $500,000 home, closing costs can be somewhere around $10,000.  That will include fees from the lender, title company, plus what is known as pre-paids.  Pre-paids include property taxes and homeowners insurance.


HOW OUR PROGRAM WORKS

We will pay up to 2% of the price of the home towards your closing costs. In some instances, we can arrange for the builder or lender to pay some of your closing costs as well.  In those cases, you might end up paying no closing costs at all.  The portion of your closing costs that we pay includes the fees from the lender and title company.  We will not pay your property taxes or your homeowners insurance.


WHAT YOU NEED TO DO

First, call me before you go to visit a builder.  I need to have an idea of what you are looking for and where you are looking.  When you visit a builder, make sure to tell them that you are working with Joseph & Cindy Spurlock, realtors with Keller Williams.  Some builders require that we be there on your first visit to their model home, but most do not.  They understand that you are shopping around.  Once you decide on a builder, we will need to be there to help you pick a lot, choose a floor plan, and negotiate the contract.


LIMITATIONS

If a builder refuses to work with a realtor or pay a commission, I cannot offer you this program.  We are using our commission to pay a portion of your closing costs.  If a builder refuses to pay commission to a realtor, you probably don't want to work with that builder anyway.

DO I NEED A REALTOR WHEN I BUILD A HOME?

The quick answer is "Yes" for so many reasons.  The builder is represented by a sales agent whose job is to sell you a home at the highest possible price with the least amount of hassle for the builder.  Shouldn't you have someone representing you whose job is to get you the lowest price with the most free upgrades and incentives?  We're also here to protect your interests and keep you informed of your rights.  Hiring us won't cost you a dime.  The builder pays my commission, and most are happy to do it.  It's built into their marketing costs and if they don't pay me, guess who gets the commission?  The salesman selling the home for the builder.  That means the salesman gets double the commission and you have no one representing you. Always remember that the salesman works for the builder, not for you.  His job is to save the builder money and generate commission for himself.  He or she may tell you that they'll discount the price if you don't have a realtor, but that discount is already available in other ways.  If you don't have a realtor, they may knock 3% off the list price, but you will miss out on the price reductions and other incentives we can get you that will total far more than 3%.  Plus, you will have no one protecting your interests during a very expensive and very  important transaction.

IF YOU HAVE A HOME TO SELL, WE CAN SAVE YOU EVEN MORE MONEY!

CALL US FOR DETAILS