Buy your next home
with expert guidance
and a closing-cost credit.
As a credit union member, work with an experienced First Team agent and receive 20% of your agent’s commission as a credit toward eligible closing costs.*
Selling too? You may also qualify for a 1.5% listing fee.Juan Moreno | CA DRE 02021808
Referred by your credit union? You’re in the right place.
Get 20% of your
agent’s commission
toward closing costs.
More for your next chapter. Explore your estimated benefit with the calculator.
See what you could save
Drag the slider or type a price, from $250,000 to $1,500,000
Estimated closing-cost credit: $3,750
Estimate only, not a quote. Example assumes a 2.5% agent commission. Subject to program terms and lender approval.*
First home, next home, or a new city
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Your first home
We explain each step before you take it, from preapproval to what an inspection report is really telling you. Ask as many questions as you like.
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Your next home
Selling too? We coordinate both sides so your timing and financing line up, and you may qualify for the seller benefit as well.
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Sizing up or down
Straight talk about tradeoffs: space against commute, schools, HOA dues, and what a home takes to keep up.
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Relocating, near or far
Moving across California or across the country, we connect you with a trusted agent where you’re headed, with video tours and local insight when you can’t be there in person.**
Full-service listing at a 1.5% fee.
Eligible members can list with First Team at a 1.5% listing fee, with full service from start to finish: pricing strategy, marketing, showings, negotiation and support through closing. Any compensation you choose to offer a buyer’s agent is separate. If you’re buying too, we coordinate your sale and purchase, and you may receive both benefits.
The benefit may not be available if you’re already under contract with another agent or brokerage, so contact us before you sign a listing agreement. See program terms.
Ask about sellingOn a $750,000 home
- If you paid a 3% listing fee
- $22,500
- Your member listing fee (1.5%)
- $11,250
- You’d pay
- $11,250 less
Example only, comparing a 1.5% listing fee with a 3% fee. Listing fees are negotiable and not set by law.
Your next step can be a small one.
Start a conversation
Tell us a little about your goals.
There’s no commitment, and
you can move at your own pace.Meet your agent
We’ll connect you with an
experienced local agent who
understands your needs.Close with your credit
When you close, 20% of your agent’s commission is applied as a credit toward eligible closing costs, shown on your Closing Disclosure.*
Expert guidance. Clear answers. Your decision.
A closing-cost credit is one part of your benefit. Just as valuable is having an experienced agent help you weigh your options, ask the right questions, and move forward with confidence.
Talk with our team-
Understand your options
before you decideGet clear explanations of the homes you’re considering, the local market, and the tradeoffs that matter to you. Your agent helps you evaluate the choices so you can decide what fits your goals, budget, and timing.
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Know the costs and
what could changeUnderstand your agent’s fees, your estimated closing costs, and how your member credit may apply. We help you review the numbers with your lender and explain changes as your purchase moves forward.
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Have an advocate
from offer to closingFrom shaping your offer to navigating inspections and repair requests, your agent helps you understand where to negotiate, what to question, and when to reconsider.
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Know what happens next
Expect updates at key milestones, clear explanations of upcoming deadlines, and someone to turn to when questions come up. We help keep you informed from your first conversation through closing.
Behind every member, a team that cares.
“We couldn’t have asked for better real estate agents, and we are absolutely in love with our new home!”
Alexandra & Jack
Agent: Tay Davis & Corion Davis
1–4 of 12
Stories are shared with the members’ permission. Most were written by our team or the member’s First Team agent; quotes are the member’s own words unless credited to their agent. Members were not compensated, and individual experiences vary.
Real people. Here to help.
Your program team
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Program Director · CA DRE 02021808Juan Moreno
Leads our real estate partnerships and agent network with a commitment to delivering an exceptional member experience. Ensures every member receives the personalized attention, professional guidance, and quality of service they deserve.
Call Juan: (949) 400-2287 -
Program CoordinatorKatherine Patterson
Manages day-to-day program coordination, connecting members with the right real estate professionals and ensuring timely communication and follow-through.
The right agent makes all the difference.
Buying or selling a home is one of life’s biggest financial decisions. That’s why Home Benefit Services connects you with experienced First Team real estate professionals who bring local market expertise, strategic negotiation, and personalized guidance to every transaction.
Our agents are committed to protecting your interests, maximizing your opportunities, and helping you achieve the best possible outcome.
Expert guidance. Trusted representation. Exclusive member benefits.
Get the expertise you deserve, the representation you need, and the exclusive savings you’ve earned through your credit union membership.
Meet our agents-
Kathleen Rapoza
CA DRE 01930170Clear communication and no-pressure guidance, from entry-level homes to luxury estates.
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Marc Coppock
CA DRE 01963323Orange County native serving Orange, Los Angeles and Riverside counties.
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Luz Nunez
CA DRE 02082249Attentive advocacy that makes each move more informed and personal.
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Tay Davis
CA DRE 01377916Serving greater Sacramento, with experience helping first-time buyers.
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Jessica Wagoner
CA DRE 02050103Educating and advising clients across the Temecula Valley.
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Stephanie Garcia
CA DRE 02187314Detail-focused support for individuals and families. Bilingual in Spanish.
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Pablo Salcedo
CA DRE 01778864Serving buyers and sellers from the Yorba Linda office.
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Kat Johnson
CA DRE 01205852Concierge-style support and deep knowledge of local neighborhoods and schools.
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Marise Freitas
CA DRE 01707991A personal, empathetic approach for first homes and long-term residences.
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Fred Van Allen
CA DRE 00553496Licensed since 1976, with expertise in historic and architecturally distinctive homes.
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Corion Davis
CA DRE 02109197Serving the greater Sacramento area.
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Sofia Delgado
CA DRE 01401361Patient home searches and clear explanations of every step.
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Sarah Summers
CA DRE 02071057San Diego County, with a focus on military relocations and VA loans.
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Kevin Laurent
CA DRE 01317706About 25 years in San Diego, making complex moves more manageable.
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Kate Nash
CA DRE 0130978820+ years in Los Angeles and Orange County, built largely on referrals.
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Francisco Jilote
CA DRE 01980528More than a decade guiding buyers and sellers in the Coachella Valley.
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Elizabeth Rose Zheng
CA DRE 02034336Guiding first-time and repeat buyers in the Sacramento region since 2016.
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Jamie Read
CA DRE 01895969Client-centered guidance across Riverside County’s residential market.
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Randy Hill
CA DRE 01854837A broker associate and long-time local investor, active in the Seal Beach and Rossmoor community.
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Kendall Davis
CA DRE 02060578Serving the Long Beach area.
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Ray Guerrero
CA DRE 02020115Guiding buyers and sellers with First Team Real Estate.
A few questions you might have.
How does the closing-cost credit work?
The benefit is 20% of the commission your agent receives, applied toward eligible closing costs and subject to program terms and lender approval. It is not 20% of the home price or a cash payment.
Do I have to be a first-time buyer?
No. The program can help members buying a first home, moving to another home, or relocating. Our team can confirm eligibility for your situation.
What does it cost to use the program?
There’s no charge to talk with us, ask questions, or get matched with an agent. If you decide to work with a First Team agent, your agent’s compensation will be stated in a written buyer representation agreement that you’ll review and sign before touring homes. Commissions are negotiable and not set by law. Your closing-cost credit is calculated from the compensation First Team receives, as described in the program terms.
Do I have to use a particular lender, escrow or title company?
No. You’re free to choose any lender, escrow company and title company, and your credit doesn’t depend on that choice. If you’d like names to consider, we can share some, and we encourage you to compare offers.
How will I receive the credit?
As a credit toward your closing costs, shown on your Closing Disclosure. It isn’t paid as cash. Your lender must approve the credit, and some loan programs limit how credits can be used, so we’ll check this with your lender early.
Is the credit 20% of the home price?
No. It’s 20% of the commission your agent receives. For example, on a $750,000 home with a 2.5% commission ($18,750), the credit would be about $3,750, roughly 0.5% of the price.
Can I get help if I’m also selling a home?
Yes. Eligible members may also sell with First Team at a reduced listing fee, and we can coordinate your sale and purchase together. See selling details.
Does anyone get paid for referring me?
No one is paid for referring you to this program. Your credit union receives no compensation of any kind from First Team or Home Benefit Services. We don’t pay or receive fees for referring you to a lender, escrow or title company. If you’re moving out of state and we refer you to an agent there, First Team may receive a referral fee from that agent’s brokerage, and we’ll tell you before making the referral.
Can I get a credit if I’m buying outside California?
The 20% member credit applies only when you buy with a First Team agent. If you’re moving out of state, our referral network can connect you with a trusted agent there. We’ll try to negotiate a closing-cost credit on your behalf with that agent where the state allows it. The credit isn’t guaranteed and may be a different amount. Some states don’t allow these credits at all.
Can I refer family or friends?
Yes. The benefit is designed for credit union members, but if you refer family or friends who are buying or selling, we’re happy to work with them too. Have them contact us, and we’ll explain what’s available to them.
What if I’m just exploring?
You can start by asking questions. Some of our best conversations happen early, when there’s time to plan. An initial conversation does not commit you to purchasing a home or working with an agent.
Do you offer help in Spanish?
Sí. Hablamos español. Let us know when you reach out, and we’ll make sure you can talk with someone in Spanish.
Who operates this website?
Home Benefit Services, a program of First Team Real Estate - Orange County (CA DRE# 01008773). This site is not operated by your credit union. See the program terms for details.
Let’s talk about your next step.
Ask about your benefit, your home search, or where to begin.