HomeAdvantage™ Realtor Services
Simplify the home buying and selling process with realty services from HomeAdvantage™. Benefits include a rebate¹ when you use an approved Realtor from a network of pre-approved agents, as well as free property searches, market analysis, community research, and calculators that highlight ways of saving money on your first or next home. Get registered, select an agent, and get the rebate with financing from PAHO/WHO FCU.
HomeAdvantage™ is a premier provider of real estate services for PAHO/WHO FCU members. Whether you are buying or selling a home, our program can help you through the entire process.
¹Member rebates are calculated by multiplying the real estate agent’s commission on the sale price of the home by 20%. For example, if you are purchasing or selling a home for $400,000 and use an approved agent from the HomeAdvantage network, then your rebate* would be $2,400 (example based on the assumption that the agent earned a 3% commission). The HomeAdvantage program is made available to you through a relationship between your credit union and CU Realty Services. Program rebates are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network of approved realtors. Home buyers or sellers are not eligible for the rebate if they use an agent outside this network. Using your credit union for a mortgage is not a requirement to earn a rebate. Rebate amounts are dependent on the commissions paid to the agent. Your credit union may have specific rules on how your rebate will be paid out. Rebate incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult PAHO/WHO FCU lending staff to get details that may affect you. Restrictions may apply. The credit union has the right to terminate this service at any time.
APR = Annual Percentage Rate. Rates based on creditworthiness. Not all borrowers will qualify for the lowest loan rate. Your actual rate, loan amount and term may vary and will be based on your credit history. Restrictions may apply. *Maximum LTV or CLTV = 90%. Monthly payments: The required minimum monthly payment during the 10-year draw period would be $100. The monthly payments during the 10-year draw period are calculated based on the interest due on the outstanding loan balance. Borrowers may make principal balance payments during the 10-year draw period. Following the 10-year period, the required payment will be calculated based on the principal & interest (P&I) due to pay-off the HELOC balance over a 15-year amortization period. Home Equity loans only available on properties titled in the U.S. Equal Housing Lender.