SchoolsFirst FCU Home360℠ pairs you with an experienced SchoolsFirst FCU loan consultant and participating real estate agent who will guide you through every step of buying your home.
Your SchoolsFirst FCU loan consultant will answer your questions about financing, find a loan that’s right for you, and help you get pre-qualified.
We’ll then introduce you to a local real estate agent who will help you find the perfect place that fits your budget. If you have a home to sell, they’ll help you get it ready, listed and sold.
When a participating agent represents you in buying a home, you’ll get a 20% rebate on the commission they earn, credited on your closing statement.1 And if the agent also represents you in the sale of your home, you’ll pay a flat 1.5% listing fee, as opposed to the typical 3%.2
Home360 also offers additional benefits, including:
- 20% discount on escrow services when you use a partner escrow company — with free signing services at your home or office3
- My Home Savings, which helps you earn more dividends than a typical savings account and save up to $50,000 for a down payment4
ENROLL IN HOME360
Our loan consultants can enroll you in Home360.
800.462.8328, ext. 8288
Monday through Friday, 8 a.m. - 7 p.m.
Saturday, 9 a.m. - 3 p.m.
Enroll in Home360 and register to search homes for sale.
All loans subject to approval. Programs subject to change.
- Rebate payment is made by First Team Real Estate or HomeSmart Evergreen Realty. Rebate is credited to your benefit at the close of transaction, and will be lowered by any reductions to the commissions paid to the participating agent in a concurrent purchase and sale of a home. Commission will vary. To be eligible for the 20% rebate, Member must complete the transaction with the agent assigned by SchoolsFirst FCU Home360℠. Using SchoolsFirst FCU for a mortgage loan is not a requirement to earn the rebate. Purchase price must be greater than $150,000 after all credit adjustments. All rebates are subject to limitations, lender guidelines, and other requirements. Certain properties may not be eligible for rebates. Rebate is 20% for purchase only of a residential property in California. Please consult a qualified tax professional for advice on tax implications from receiving a rebate. First Team Real Estate and HomeSmart Evergreen Realty are not affiliated with SchoolsFirst FCU.
- Discounted 1.5% listing fee is for a residential property sale in California when the home is sold and closes escrow. Does not include commission owed to buyer’s agent (up to 3%). Sales price must be greater than $150,000.
- Escrow services discount, free signing services and on-time closing guaranty available only on an escrow serviced by Hallmark Escrow Co., Inc., Next Level Escrow, Coast Cities Escrow, or Escrow Options Group, Inc. (collectively, the “escrow companies”). On-time closing guaranty will be paid by the escrow companies at the close of transaction. The escrow companies are not affiliated with SchoolsFirst FCU. Check with the seller of the property regarding selection of the escrow company.
- Variable rate, subject to change daily at our discretion. Limited to Members who are participating in the Home Advantage Program; limit one per Membership. No early withdrawal penalty if full balance is used for home purchase. Partial withdrawals or withdrawals not used for home purchase are subject to an early withdrawal fee of $10, and closure of the share. Minimum deposit amount is $250. Additional deposits allowed to the maximum balance of $50,000. Certificate terms are available for 6, 12, or 24 months. See SchoolsFirst FCU’s Disclosure & Agreement of Terms and Conditions brochure for additional details about My Home Savings Share.
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