1% Buyer Credit for Preferred Listings
Buyers receive a 1% lender credit (based on the loan amount) to use toward a rate buydown or closing costs when working with the preferred lender on this property.
As the agent, you’re cleared to apply this to all your active listings upon receipt of this email.
🏡 1% Buyer Credit – Terms & Conditions
Overview:
Circle Home Loans, a division of Priority 1 Lending LLC, is offering a 1% credit toward buyer closing costs on select listings in partnership with participating real estate agents. This credit is designed to help buyers reduce their out-of-pocket expenses and make homeownership more affordable.
✅ Eligibility:
Buyer must use Circle Home Loans as their mortgage lender. Home must be an active listing where the seller (or agent) has opted into the 1% buyer credit program.
Credit applies to primary residence purchases only. Minimum loan amount of $200,000.Offer valid for conventional, FHA, and VA loan types.
💸 Credit Details:
Buyer will receive a credit equal to 1% of the final purchase price, applied toward allowable closing costs and/or prepaids. Credit is capped at lender and program-specific maximum contribution limits. Cannot be used for down payment or to exceed total closing costs. If total closing costs are less than the credit, the unused portion is forfeited.
🕒 Timeframe:
Offer must be disclosed and applied prior to final loan approval. Valid only for contracts ratified between [Insert Start Date] and [Insert End Date].Subject to change or termination at any time without prior notice.
⚠️ Other Disclosures:
This is not a commitment to lend. All loans are subject to credit approval and appraisal. Offer not valid with other promotions unless explicitly agreed to in writing. Must be disclosed on the purchase agreement or via addendum if seller participation is involved. RESPA guidelines prohibit this offer from being contingent on a referral of business.
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Disclosures & Legal Notice
Circle Home Loans is a division of Priority 1 Lending LLC.
This is not a commitment to lend. All loans are subject to credit approval, underwriting review, and property appraisal. Terms, conditions, and programs are subject to change without notice.
Any mortgage-related services offered through this site are provided by licensed mortgage professionals. This site is intended for informational purposes only and does not constitute legal, financial, or tax advice. Consult appropriate licensed professionals for specific guidance.
RESPA Compliance Statement
Circle Home Loans does not offer, promise, or provide anything of value in exchange for the referral of settlement service business.
All marketing collaborations, including Circle Points™ activities, are conducted in full compliance with the Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. § 2601 et seq.
Marketing services offered through Circle Points™ are provided only after verified agent participation in closed transactions, not for referrals, and are based on documented services performed. All optional co-branded marketing initiatives require proportional fair market value contributions as required by law.
Agents and brokerages do not receive compensation for the act of referring clients to Circle Home Loans unless explicitly disclosed and permitted under applicable legal exceptions.
Program Disclosure
Statements regarding the reinvestment of $5,000,000 into local markets reflect combined activities of Priority 1 Lending LLC and its affiliated divisions, including both purchase and refinance business channels.
Results vary and are not guaranteed. All references to marketing reinvestment, profits, or performance are illustrative only and do not constitute a guarantee of future results or financial return. Circle Home Loans is a direct lender committed to reinvesting earned revenue into marketing systems that generate, support, and close transactions.
📄 Terms & Conditions for Leverage Calculation
By using this calculator, you acknowledge and agree to the following:
For Informational Purposes Only
The output of this tool is an estimate based on the information you provide. It does not constitute financial, tax, legal, or business advice. Actual results may vary significantly based on market conditions, agent performance, marketing execution, and other external factors.
No Guarantees
Circle Home Loans makes no representations or warranties regarding the accuracy, profitability, or effectiveness of the projections shown. Use of this calculator is at your own risk.
Data Collection & Use
Your name and email may be used to send you a copy of your results, relevant follow-up resources, and marketing updates. Your data will not be sold or shared outside of Circle Home Loans or its affiliates.
Intellectual Property
This calculator and all associated materials are the intellectual property of Circle Home Loans. Unauthorized copying, distribution, or reuse is prohibited.
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