Summit Realty – Summit Credit Union

Buying, selling, or doing both in the same month

The member agent programme

What the network gets you

Summit Realty is a wholly owned subsidiary of the credit union; the agents themselves are independent professionals.

Agents are screened, then scored Every agent in the network holds a current licence in good standing and has closed at least twelve transactions in the past year. Members rate their agent after closing, and agents who fall below a 4.3 average are removed. Placement is never sold.

Two or three names, matched to the area Matches are made on the specific town and property type you name, not on who bought the most leads. Most members receive names within one business day. Interview all of them or none of them.

You still negotiate commission The member credit is funded from the referral fee the agent's brokerage pays Summit Realty. It is not a discount on the agent's commission, which remains yours to agree in writing before you sign a representation agreement.

Seller pricing done in writing Listing agents in the network prepare a comparative market analysis using closed sales from the past six months, not active listings. You get the pricing range, the days-on-market estimate, and the preparation list before anything goes live.

Buyer support through inspection Offer strategy, inspection referrals, and repair negotiation are part of the service. Agents are expected to give you the honest number on a property, including when walking away is the right call.

One point of contact at Summit A programme coordinator stays with your file from match to closing and can loop in Title Services or your loan officer. Call 800.555.7846 and you reach a person who can see the whole transaction.

Member credit

What comes back to you at closing

The credit is 0.5 percent of the sale price on each side of a transaction, capped at $6,500.

Sale price Estimated member credit Notes

$150,000 $750 Deposited to your Summit account within 30 days of recording.

$250,000 $1,250 Applies to buying or selling, one to four unit residential.

$350,000 $1,750 Roughly covers a year of homeowner's insurance in most markets.

$500,000 $2,500 Can be taken as a closing cost credit where state rules require it.

$650,000 $3,250 Stacks on top of any lender credit on a Summit mortgage.

$850,000 $4,250 Sell and buy in the same move and both sides earn a credit.

$1,100,000 $5,500 Jumbo purchases are eligible; the credit calculation does not change.

$1,300,000 or more $6,500 Programme maximum per side of a transaction.

A member who sold at $350,000 and bought at $500,000 received $4,250 back

Both sides of a move earn a credit, and it is paid whether you finance with Summit or with another lender. Nothing on this page is conditioned on taking a loan from us, and lending decisions are made independently of the referral programme. Membership eligibility is required. Equal Housing Opportunity Lender.

How it pairs with a Summit mortgage

You can use Summit Realty with any lender, and plenty of members do. Pairing it with a Summit purchase mortgage mainly buys you coordination: the loan officer and the agent work from the same file, so the preapproval letter, the appraisal order, and the closing date are handled by people who can reach each other by phone rather than by portal message. Preapproval decisions typically come back in one to two business days, and Summit services most of the loans it originates instead of selling them off after closing, so the servicer you call in year six is still us.

Members moving up before the current place sells often bridge the deposit with a home equity line and repay it from the sale proceeds. Check today's mortgage rates before you settle on a price range, and run the payment through our calculators so the agent is searching against a number you are actually comfortable with. Commercial property, raw land, and new construction bought directly from a builder fall outside the programme, since there is usually no buyer-side agent to refer.

Start with the agent, not the listing

Tell us the town, the price range, and your timeline. Names usually reach you the next business day.

Request an agent match →

Purchase mortgage →

Title and closing →

Book an appointment →

This is a demonstration website; rates, products, and figures shown are illustrative only.