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If you haven’t found a realtor you are comfortable working with I love to work with you and to prove it rebate 1.25% of the home price ($500,000 x 1.25% = $6,250) back to you in escrow as a credit for your recurring and non recurring closing costs . I’m a loan officer as well and will get you a great rate and I can cover your $500 appraisal fee. Most importantly you should choose someone who will answer your questions and get things done for you within minutes not ignore you when you need something done .