HomeAdvantage®

Save hundreds, if not thousands of dollars when you buy or sell a new home!

CU Realty Services

Kirtland Federal Credit Union is pleased to provide comprehensive real estate services through our partnership with HomeAdvantage®§. This members-only benefit gives home buyers and sellers:

  • Unrestricted access to the same database of home listings the real estate agents use... complete with photos!
  • Research of comparable sales and housing prices with new states and real estate agents continuously joining the program.
  • A "report card" on local schools, including student-teacher ratios, class sizes, and programs.
  • Neighborhood demographics and maps.
  • And, best of all... HomeAdvantage® Cash Rewards of up to 20% of the real estate agent's commission whenever you buy or sell through a HomeAdvantage®-approved Agent! We'll even give you a list of local agents to choose from!

This innovative program puts you in the driver's seat. You have complete control over your house-hunting or selling and can make informed decisions with all of the facts in-hand. When you're ready to buy, Kirtland Federal Credit Union offers a wide range of mortgage loans to choose from. Consider getting pre-approved for a mortgage to save time!

Getting started is easy!

  • Connect directly to the HomeAdvantage® database.
  • Sign up for an account by providing basic contact information, designating a password, and answering a few simple questions. Be sure to select "Kirtland Federal Credit Union" as your Credit Union Affiliation.
  • Once you receive a confirmation email from HomeAdvantage®, you'll be ready to go!
  • When your sale or purchase is complete, simply notify HomeAdvantage®, fill out a brief member satisfaction survey, and enjoy your rebate!

HomeAdvantage® Cash Rewards

You can earn Cash Rewards worth up to 1% of the price of the home through HomeAdvantage®. The average member Cash Rewards paid on homes bought or sold is $1,545! To estimate your Cash Rewards, multiply the real estate agent's commission by 20%. For example, if you're selling a $175,000 home using an agent who earns a 3% commission, the agent's commission is $5,250, and 20% of the agent's commission is $1,050, so you'll get $1,050 to spend as you wish. You'll receive your Cash Rewards 30 to 60 days after close of escrow. Consult your tax advisor about how to report your Cash Rewards.

The possibilities are endless, the savings are real, and the program is another members-only benefit of Kirtland FCU!

HomeAdvantage® Cash Rewards Program

Purchase Price Cash Rewards*   Purchase Price Cash Rewards*
 $100,000  $600   $500,000 $3,000
$150,000 $900   $550,000 $3,300
$200,000 $1,200   $600,000 $3,600
$250,000 $1,500   $700,000 $4,200
$300,000 $1,800    $800,000  $4,800
$350,000 $2,100   $900,000 $5,400
$400,000 $2,400   $1,000,000 $6,000
$450,000 $2,700      

*The chart above illustrates the approximate rebate a buyer or seller would receive based upon an estimated commission rate of 3%. The rebate will be adjusted accordingly if the commission is higher or lower than 3%.

§ The HomeAdvantage program is made available to you through a relationship between Kirtland Federal Credit Union and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers and sellers are not eligible for Cash Rewards if they use an agent outside this network. Using Kirtland Federal Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. Kirtland Federal Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you.

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