Represented-Buyer Credit
What the closing credit actually looks like in Belmont
Register with Citadel before you tour. We introduce you and advocate on price, upgrades, warranty, and the contract. Any closing credit is paid only from compensation we actually receive, needs lender approval, follows the minimum service fee in your written buyer agency agreement, and fees are negotiable. Credit is not a rebate, not guaranteed, and not why you hire us.
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When a community pays buyer-agent compensation, that compensation goes to whichever brokerage represents you. It is not a discount the builder hands back if you show up alone.
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Citadel Cofield retains a minimum service fee to fund full representation on your file. Broker compensation is not set by law and is fully negotiable, so that fee is set in your written buyer agency agreement rather than advertised as a fixed rate.
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Whatever we actually collect above that floor comes back to you as a closing credit, disclosed to your lender and shown on your closing statement, subject to lender approval.
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Some builders pay reduced or flat compensation. When it does not clear the minimum service fee, the credit can be small or zero. We confirm the number in writing before you tour, not after you are under contract.
Belmont townhome and single-family product often prices below the Charlotte in-city range, which is why the illustrative figure below uses a lower purchase price.
Why we do not publish a credit figure here
Broker compensation is not set by law and is fully negotiable, so a published figure would be misleading. What we actually collect varies by builder and community, and what your lender will allow on the closing statement varies by loan. We put the service fee and the credit calculation in your written buyer agency agreement before you tour, and we confirm the community's compensation in writing before you write an offer. You get the real numbers in advance, not an estimate from a web page.
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 compensation. This is a closing credit, not a rebate and not a guaranteed cash-back amount.