This program is open to active California first responders – including police officers, sheriff deputies, California Highway Patrol (CHP) officers, firefighters, paramedics, EMTs, and 911 dispatchers – verified by an active-duty department ID, sworn-officer credential, or paystub confirming current employment with a California public-safety agency.
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 – which is conditional on the seller offering at least a 3% buy-side commission – and the independent $1,000 lender credit on the financing side. Move it to your number and see the full picture before you talk to anyone else.
How This Works
Buyer Rebate
The buyer rebate equals 1% of the final sale price, processed entirely through escrow and appearing as a credit on your Closing Disclosure – so it’s documented, transparent, and applied where it reduces what you bring to the table at closing. This rebate is conditional: it requires the seller to offer at least a 3% buy-side commission to Xavier’s brokerage. If the seller offers less than 3%, the rebate scales down or may not be available. Xavier tells you that before any offer is written, not after.
Lender Credit
The lender credit is a $1,000 credit on the financing side, appearing as a line item on your Loan Estimate and Closing Disclosure per TRID requirements. It reduces out-of-pocket closing costs directly, independent of whether you use the buyer rebate. You do not have to take the mortgage through Xavier to use the real estate rebate – but if you do, the lender credit stacks on top.
Each discount is independent – you can use one, both, or neither.
Why One Advisor on Both Sides Matters
Xavier holds both a California real estate license (DRE #01968917) and a mortgage originator license (NMLS #1029190). That means the person writing your offer and the person structuring your loan are the same person, working from the same numbers, in the same conversation. Most California buyers work with a separate agent and a separate lender who have never spoken before the offer goes out. That coordination gap costs buyers in three measurable ways: the offer is written without exact monthly payment figures locked in; closing-cost trade-offs like rate buy-downs versus credits get explained across two different conversations that may never fully connect; and escrow timing depends on two separate organizations staying in sync. None of that happens when it’s one advisor.
Schedule Your Consultation
If you’re a California first responder thinking about buying in the next 90 days – or just trying to understand what you can actually afford – schedule a complimentary consultation. Xavier will run the buyer-rebate and lender-credit math against your specific situation before you talk to a lender, sign a buyer agreement, or look at a single house.