This program is open to K–12 teachers, classified school staff, paraprofessionals, and community college faculty employed in California; eligibility is verified by a current .edu email address tied to a California school district or community college, or a current paystub confirming district or college employment.
Estimate Your Savings
Use the slider below to see your estimated savings at your target home price. The slider models both the 1% buyer rebate – conditional on the seller offering at least a 3% buy-side commission – and the $1,000 lender credit on the financing side. These are two structurally independent discounts, and the slider shows you what each one means at your specific number.
How This Works
Buyer Rebate
The buyer rebate is 1% of the final sale price, processed entirely through escrow and returned to you as a credit on the Closing Disclosure – so it’s documented, transparent, and shows up on the same paperwork your lender reviews. This rebate is conditional on the seller offering at least a 3% buy-side commission to Xavier’s brokerage. If the seller offers less than 3%, the rebate scales down or is unavailable – and Xavier will tell you that before any offer is written, not after you’re already in contract.
Lender Credit
The lender credit is a $1,000 credit on the financing side, appearing as a line item on both the Loan Estimate and the Closing Disclosure per TRID requirements. It reduces your out-of-pocket closing costs at the table, independent of anything happening on the real estate side. You do not need to use Xavier as your lender to receive the buyer rebate, and you do not need to be in contract to discuss the lender credit.
Each discount is independent – you can use one, both, or neither.
Why One Advisor on Both Sides Matters
Xavier holds a California real estate license (DRE #01968917) and a mortgage originator license (NMLS #1029190). That means the same person who writes your offer is the same person who structures your loan – not two professionals who first introduce themselves to each other after you’re already in escrow. When the real estate and financing picture lives in one advisor’s head, the offer gets written with exact monthly payment numbers already in hand, closing-cost trade-offs get explained in one conversation instead of two, and escrow coordination doesn’t depend on two separate organizations staying in sync.
Schedule Your Consultation
Schedule a complimentary consultation and Xavier will run the buyer-rebate and lender-credit math against your specific situation – your target price range, your loan type, your timeline – before you speak to anyone else. No pressure, no obligation. Just a clear picture of what you qualify for and how the numbers work at your number.