Buy a home. Get a credit toward closing costs.

When you buy with Close With Coby and your loan is through our preferred lender, part of the commission we earn comes back to you at closing. First home, next home or luxury home. No cap.

Example: a $350,000 home in Douglas County. At a 3 percent buyer side commission, we earn $10,500.

Community Heroes

$2,625

25 percent back toward closing costs. Teachers, nurses, first responders, military and veterans.

All other buyers

$1,575

15 percent back toward closing costs. First time, repeat, move up or luxury.

Example only. Commission is negotiable and is not set by law or industry standard. Your credit depends on the commission earned, your eligibility, your closing costs and your loan program's limits. Applies when your loan is through our preferred lender.

Your lender, your choice. Here is what each choice means.

Finance with our preferred lender

Full representation plus your closing credit: $2,625 for Community Heroes or $1,575 for everyone else on this example.

Use another lender

Full representation. Same service, same agent. The closing credit does not apply.

Not sure which is better for you? We put a Loan Estimate from our preferred lender next to any other lender's quote so you can compare the whole cost, credit included.

Separate from the rebate: the loan itself.

Your rate matters as much as the rebate. Bring us any Loan Estimate and we put ours beside it, line by line.

Close With Coby is a real estate team of Virtual Properties Plus LLC and does not make loans. Loans through UHome Mortgage, powered by Barrett Financial Group, L.L.C., NMLS 181106. Coby Pegues, NMLS 2556341. Coby Pegues owns 100 percent of UHome Mortgage LLC; you are not required to use UHome Mortgage to buy a home with Close With Coby. Equal Housing Opportunity.

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The two tiers.

Community Heroes, 25 percent of the commission we earn.

Teachers and school staff, nurses and healthcare workers, firefighters, police and first responders, active military and veterans, and other public service roles we confirm with you.

See the Community Heroes guide.

Every other qualifying buyer, 15 percent of the commission we earn.

Every other qualifying buyer, first home or next home, everyday price or luxury.

The tiers are alternatives, not added together.

What it looks like at other prices.

Home price and commission at 3 percent

Heroes credit (25 percent)

Buyer credit (15 percent)

$300,000 ($9,000)

$2,250

$1,350

$350,000 ($10,500)

$2,625

$1,575

$400,000 ($12,000)

$3,000

$1,800

$500,000 ($15,000)

$3,750

$2,250

$1,000,000 ($30,000)

$7,500

$4,500

No cap, so the credit grows with the price. Same percentage at every price.

What the credit can pay for.

Eligible closing costs, prepaid items and escrows where your loan program allows, discount points for a lower rate, or a temporary buydown where program rules allow. It cannot be your minimum required down payment, and it is never cash back after closing. If the credit is larger than your eligible costs, the usable amount is lower, and we show you that before you make an offer.

Every condition, in one list.

1You are represented by Close With Coby under a written buyer brokerage agreement that states the rebate.
2Your purchase loan is through our preferred lender. With another lender we still represent you in full, but the credit does not apply.
3The credit is a percentage of the commission actually paid to Close With Coby at closing, before any brokerage fees, not of the purchase price.
4Loan program limits on credits apply and can reduce the usable amount.
5The credit appears on your closing statement, as Georgia rule GREC 520-1-.10(6)(e) requires.
6Heroes status is confirmed with an employer ID, a recent pay stub, a DD214 or a military ID.

Three questions before you compare any rebate.

Is it a share of the commission or of the price? Does it come with tour limits or reduced service? And what will the lender charge you, in rate and fees? We answer all three in writing.

Why we can do this.

Coby Pegues is licensed as a real estate agent and as a mortgage loan originator, and owns our preferred lender. One team sees the whole purchase, which saves time and mistakes, and we share part of the real estate side of that with you.

Coby Pegues owns UHome Mortgage LLC. You are not required to use UHome Mortgage as a condition of buying a home with Close With Coby. An affiliated business disclosure is provided before any mortgage referral.

FAQ

Is this the cheapest way to buy?

It is one lever. The rate, points and lender fees often matter more over the life of the loan, so we show you all of them.

What if I do not qualify with our preferred lender, or I want a different lender?

You still get full representation from us, with the same service. The closing credit applies only to purchases financed through our preferred lender.

Can I use the rebate with Georgia Dream or another assistance program?

Georgia Dream loans are closed by state approved lenders, and our preferred lender does not close them, so the rebate and Georgia Dream do not combine on the same purchase. We still represent you, and we help you compare both paths in dollars.