New Construction · NC & SC
The builder already priced in a buyer's agent. Represented by Citadel, you recover it.
Walk in unrepresented and the builder keeps that fee, while you negotiate alone against a professional sales team. Bring Citadel and you get an advocate on price, inspections, warranty, and the build, plus a defined share of the compensation we collect, credited at closing when your lender allows it. Builders often use rate buydowns and other incentives to sweeten the deal. An independent buyer agent helps you pressure-test those offers, not just take the sales pitch.
We help buyers across the Charlotte metro and the South Carolina corridor, including Fort Mill, Indian Land, Waxhaw, and nearby new-build communities (single-family and townhomes). Talk to us before you register, tour, or fill out a builder form so representation and any closing credit stay possible.
Do not register yourself with the builder
Before you visit any builder, including online, do not enter your name, book a tour, or fill out a form on your own. Send us the communities you like. We handle the introductions and accompany the first visit when required. One click in the wrong place can cost you thousands and lock out representation on that community.
Represented-Buyer Credit
A defined credit at closing, not a coupon pitch
We retain a service floor to fund full representation (the greater of $8,500 or 1% of purchase price). The remainder of the commission we actually collect comes back to you as a closing credit, subject to lender approval. Figures below are conservative typicals for the $600k and up range.
$600k range
$3,500 or more
$700k range
$5,500 or more
$800k range
$7,500 or more
$900k range
$9,000 or more
$1M range
$10,000 or more
Credited at closing. Subject to lender approval. Paid only from commissions actually received. May be reduced or unavailable when a builder pays reduced or flat co-op.
How it works
Consult and agreement
We confirm your builders, timeline, and financing. You sign a buyer agency agreement before any tours. On SC communities, we complete the required brokerage disclosure first.
We register you first
Citadel registers as your broker before you visit, call, or fill out a builder form. That is how co-op is preserved so a credit can exist.
Tour and negotiate
We walk the community with you, pressure-test rate buydowns and other incentives alongside upgrades, and keep the sales team from rushing a same-day decision.
Credit on the closing statement
When we are paid, the Represented-Buyer Credit is disclosed to your lender and shown on the closing statement, capped at what the loan allows.
What you get beyond the credit
- An advocate who works for you, not the builder
- Written confirmation of co-op, rate buydowns, and other incentives before you write
- Eyes on design-studio upgrades, lot premiums, and warranty terms
- Lender fit-check so the credit lands on the closing statement when allowed
- Licensed representation in North Carolina and South Carolina
Full service, clear math
This is not a discount brokerage pitch. The credit exists because builders already budget for buyer representation. We keep enough to do the work. You get the rest back at closing when the loan allows it.
Builders we know
Ryan Homes, David Weekley Homes, True Homes, Stanley Martin Homes, Saussy Burbank, and other communities across the Charlotte metro and SC corridors. Co-op varies by community. We confirm each one in writing.
Questions
Do I need a buyer's agent for new construction?
Yes, if you want someone working for you on price, upgrades, inspections, warranty, and the contract. The builder's sales team works for the builder. Representation is most valuable on new construction, and least present when buyers walk in alone.
How does the Citadel Represented-Buyer Credit work?
When we are paid a buyer-agent commission on your new construction purchase, we retain a service floor (the greater of $8,500 or 1% of the purchase price) and credit the remainder to you at closing, subject to lender approval. Typical credits for represented buyers in the $600k to $1M range start around $3,500 and go up from there when co-op supports it.
Why can't I register myself with the builder first?
Most builders only pay a buyer's agent if that agent is registered at the first point of contact and often must accompany the first visit. If you fill out a form, book a tour, or walk in alone first, the builder can keep the co-op and lock us out. Send us the communities you like. We handle registration before any visit.
Is the credit guaranteed?
No. It depends on the commission we actually collect and on what your lender allows on the closing statement. Some builders pay reduced or flat co-op. In those cases the credit may be small or zero. We confirm the co-op in writing before you write an offer, and we never pay a credit outside of closing.
Do you work in South Carolina too?
Yes. We are licensed in North Carolina and South Carolina. On SC communities we provide the required brokerage relationships disclosure and settle agency terms before touring.
Do you cover Fort Mill, Indian Land, and Waxhaw new construction?
Yes. Those corridor communities are a core part of this program. Send us the builders and neighborhoods you like before you register or tour. We handle introductions so representation and any closing credit stay possible when co-op supports it.
What about rate buydowns?
Builders often advertise rate buydowns and other incentives to make the monthly payment look better. Those packages can be real value, or they can come with lender ties, shorter terms, or trade-offs on price and upgrades. We help you pressure-test the offer against your financing and the rest of the deal, so you are not deciding from the sales pitch alone.
Next step
Request a new construction consult
Tell us which communities you are watching and whether you have already registered. We will reply with next steps before any builder contact.
Prefer email? carnarri@citadelcofield.com
The Citadel Represented-Buyer Credit is offered by Citadel Cofield, a licensed real estate brokerage in North Carolina and South Carolina (NC Firm License C31339, SC Firm License 23860). The credit is paid only from commissions actually received by Citadel Cofield on the transaction and is subject to your lender's approval. It must be disclosed to your lender and shown on your closing statement. It cannot be applied to your down payment and cannot be paid outside of closing. The credit amount depends on the compensation actually collected and on your closing costs and prepaid expenses. It may be reduced or unavailable on some transactions, including builders that pay reduced or flat co-op. This is not tax or legal advice. Please consult your own tax advisor regarding any credit you receive.