Buying a home in the near future? Use me as your Realtor and I will put $2000 toward your closing costs on the purchase of a home $200,000 or higher! This promotion can be used toward the purchase of a new built home or an existing home.
This promotion is valid through the end of 2016. However, if you contact me before January 1, 2017 and claim this offer for your 2017 home purchase, I will reserve this promotion in your name and you can use it anytime during 2017. Home purchase must close by January 31, 2018.
This promotion is valid within the Denver metro area.
You may use any lender that you choose. If you do not have a preferred lender, I can recommend several lenders who I have worked with in the past who I know will do a great job for you!
You must close on a home with a purchase price of $200,000 or higher and use Courtney Murphy as your Realtor.
The home purchased must have a buyer agent commission of 2.5% or greater. The standard buyer agent commission rate in Colorado is 2.8%, occasionally the commission is 2.5%. On rare occasions the buyer agent commission rate on a home is under 2.5%. This offer is not valid on homes purchased where the buyer agent commission rate is under 2.5% of purchase price. (The seller of a home pays the buyer agent commission.)
The $2000.00 will be a credit at closing used toward buyer’s closing costs. We will verify with your lender before house shopping that they will accept a Realtor credit toward closing costs.
If Lender cannot accept full $2000 credit then Realtor will contribute max amount of closing costs allowed by the lender up to $2000. If your closing costs are less than $2000 then Realtor will contribute that amount or max amount allowed by lender.
$2000.00 is not paid directly to homebuyer. $2000.00 or max amount allowed by lender is a credit to the buyer at closing.
Where does the $2000 come from?
As a homebuyer, you do not pay for your Realtor’s services. The seller of the home you purchase pays the Realtor fees to both the listing Real Estate Agent and the buyer’s Real Estate Agent. (In rare cases a buyer does pay Realtor fees to their own agent. This is quite rare and only when agreed upon between the buyer and their agent when a seller does not pay full commission amount)
The $2000 closing cost credit will come out of my commission, which is paid by the seller.
What are closing costs?
Closing costs are fees associated with closing on the purchase of a property. Closing costs are separate from loan down payment.
Closing cost generally add up to about 2% to 5% of purchase price. Closing costs include such things as loan origination fees, private mortgage insurance, escrow money, recording fees, transfer fees, title closing fees, appraisal fee, etc.
Typically you must sign a contract to “hire” a Realtor before you start home shopping. I will not require you sign a contract with me until we find a home that you would like put an offer on.
This way, if you feel like I’m not doing a good job or we aren’t a good fit, you can move on and work with another Realtor.
Call me or email me with any questions that you have. And contact me before January 1, 2017 to reserve this promotion for your upcoming home purchase.