Answers about the Prime Buyer Advantage, home buyer savings, mortgage rate quotes, lender quote comparisons, and 1.5% listing fee opportunities.
The Prime Buyer Advantage is a home-buying savings program offered through Prime Home Team and Ultimate Mortgage. It is designed to help qualified buyers reduce certain lender fees, compare mortgage costs, request personalized rate quotes, compare lender quotes, and receive a future 1.5% listing fee when selling the home purchased through Prime Home Team, subject to the listing agreement and program terms.
Learn more →No. Buyers may choose any lender. Buyers are never required to use Ultimate Mortgage. The Prime Buyer Advantage applies when a buyer uses Prime Home Team for the real estate purchase and Ultimate Mortgage for financing.
Ultimate Mortgage does not charge a 1% loan origination fee and does not charge a lender processing fee. Other costs may still apply, including third-party fees, title charges, appraisal fees, taxes, insurance, prepaid items, escrow costs, and other closing costs.
Yes. Buyers can request a personalized mortgage rate quote by providing key preliminary information. A full mortgage application may be needed later for pre-approval, underwriting, and final loan approval.
Learn more →Yes. Buyers who already have a lender quote, Loan Estimate, builder lender offer, pre-approval worksheet, or fee worksheet can submit it for review and comparison.
Learn more →When a buyer purchases a home through Prime Home Team and later chooses Prime Home Team to list that same home, Prime Home Team will offer a 1.5% listing fee, subject to the listing agreement and program terms.
Learn more →Yes. If a move-up seller lists their current home with Prime Home Team while also buying their next home through Prime Home Team, Prime Home Team will offer a 1.5% listing fee on the current home sale, subject to the listing agreement and program terms.
Learn more →No. Savings are not guaranteed. Actual savings vary based on borrower qualifications, loan amount, loan program, property type, market conditions, lender pricing, third-party fees, title charges, appraisal fees, prepaid items, taxes, insurance, escrow costs, listing agreement, selling costs, and other factors.
Every question below is organized by category so you can quickly find what applies to your situation.
Most real estate websites focus mainly on searching homes. Prime Home Team is built around a real estate + mortgage savings model. The goal is to help buyers compare the full cost of buying, including lender fees, mortgage pricing, cash to close, monthly payment, and future selling costs.
The Prime Buyer Advantage exists to give buyers a clearer way to evaluate the cost of buying a home. It helps qualified buyers compare mortgage costs, reduce certain lender fees through Ultimate Mortgage, and plan for future listing fee savings when they later sell the home purchased through Prime Home Team.
The Prime Buyer Advantage may be available to qualified buyers who use Prime Home Team for the real estate purchase and Ultimate Mortgage for financing. It may be useful for:
No. The Prime Buyer Advantage can apply to many types of buyers, including first-time buyers, VA buyers, FHA buyers, conventional buyers, new construction buyers, and move-up buyers.
No. Buyers may choose any lender, but the Prime Buyer Advantage applies when the buyer uses Prime Home Team for the real estate purchase and Ultimate Mortgage for financing.
It is better described as a real estate + mortgage savings model. The program may help reduce certain lender fees through Ultimate Mortgage and may create future listing fee savings through Prime Home Team, subject to program terms.
The Prime Buyer Advantage may create savings through:
Savings vary by buyer, loan amount, loan program, purchase price, lender pricing, property type, market conditions, and future sale price. Buyers can use the Home Buyer Savings Calculator or request a personalized savings estimate.
The website uses 1% as an example loan origination fee assumption. Actual origination fees vary by lender. Ultimate Mortgage does not charge a 1% loan origination fee.
The website uses $600 as an example lender processing fee assumption. Actual processing fees vary by lender. Ultimate Mortgage does not charge a lender processing fee.
Other costs may still apply, including:
No. The Prime Buyer Advantage does not eliminate all closing costs. It focuses on certain lender fees charged by Ultimate Mortgage and future listing fee opportunities through Prime Home Team.
No. Rates are not guaranteed. Mortgage rates and pricing vary by borrower qualifications, loan program, credit profile, property type, market conditions, lender pricing, and other factors.
The Request My Rate Quote page allows buyers to request a personalized mortgage rate quote from Ultimate Mortgage using key preliminary information, without starting with a full mortgage application.
The rate quote request form asks for:
Credit score can affect mortgage pricing. An approximate FICO score helps create a more useful preliminary rate quote.
Income helps evaluate whether the requested loan scenario may be realistic. Final qualification requires verified information and underwriting approval.
The personalized rate quote and potential savings quote will be sent to the email address provided.
A cell phone number is used for text verification to confirm the request and help reduce inaccurate or incomplete quote requests.
No. A rate quote is not a loan approval, pre-approval, Loan Estimate, commitment to lend, or guarantee of loan terms. Final loan terms depend on verified borrower information, property details, loan program requirements, market conditions, and underwriting approval.
No. A rate quote is not the same as a formal Loan Estimate. A formal Loan Estimate is issued only when the required application information has been provided under applicable mortgage rules.
Yes. Buyers can request a rate quote based on an estimated purchase price, loan type, down payment percentage, and preliminary information.
The Compare My Lender Quote page allows buyers to submit a current lender quote, Loan Estimate, builder lender offer, pre-approval quote, or fee worksheet for review and comparison.
Buyers can submit:
The review may include:
That is acceptable. A screenshot, email, or partial quote can still be reviewed. The more complete the information, the more useful the comparison can be.
Yes. New construction buyers can submit a builder lender quote, incentive sheet, Loan Estimate, fee worksheet, or email showing the builder incentive.
No. Submitting a lender quote for review does not create a mortgage application, Loan Estimate, pre-approval, commitment to lend, or guarantee of loan terms.
A lower rate may be valuable, but buyers should compare the full cost, including points, lender fees, credits, APR, cash to close, and monthly payment. The lowest rate is not always the lowest total-cost option.
Yes. Buyers can search homes on the Search Homes page using the MLS search tool.
It can be helpful to understand potential payment, loan type, affordability, and mortgage pricing before seriously shopping for homes.
A savings estimate can help buyers understand how the Prime Buyer Advantage may affect lender fees and future listing fee savings before making major decisions.
Yes. Buyers may choose any lender. If a buyer already has a lender quote, it can be submitted for comparison.
That depends on whether the buyer has signed any representation agreement or otherwise committed to another agent. Buyers should review any existing agreements before seeking representation elsewhere.
Prime Home Team serves buyers and sellers throughout El Paso County, Colorado and nearby areas, including Colorado Springs, Monument, Palmer Lake, Falcon, Peyton, Fountain, Security-Widefield, Black Forest, Manitou Springs, Northgate, Briargate, and nearby areas when applicable.
A good starting point is understanding budget, payment range, down payment, closing costs, lender fees, loan type, and possible Prime Buyer Advantage savings.
Yes. First-time buyers may use the Prime Buyer Advantage when they buy through Prime Home Team and finance through Ultimate Mortgage, subject to borrower qualifications and program terms.
Yes. First-time buyers can request a personalized rate quote using key preliminary information before starting with a full mortgage application.
Not always. Down payment requirements vary by loan type, borrower qualifications, loan program, property type, and other factors.
Cash to close is the total amount a buyer may need to bring to closing. It can include down payment, closing costs, prepaid items, escrow setup, and other costs.
Yes. Eligible VA buyers may use the Prime Buyer Advantage when they buy through Prime Home Team and finance through Ultimate Mortgage, subject to VA eligibility, borrower qualifications, property eligibility, underwriting approval, and program terms.
Yes. VA buyers can request a personalized VA mortgage rate quote using key preliminary information.
Yes. VA buyers can submit a VA lender quote, Loan Estimate, builder lender offer, pre-approval worksheet, or fee worksheet for review.
VA buyers should compare rate, APR, lender fees, discount points, lender credits, funding fee treatment, estimated cash to close, monthly payment, and total loan cost.
Ultimate Mortgage does not charge a 1% loan origination fee through the Prime Buyer Advantage.
The builder's preferred lender may offer a valuable incentive, but buyers should compare the full cost before deciding. Compare rate, APR, points, lender fees, builder credits, lender credits, estimated cash to close, and monthly payment.
Yes. Buyers can submit a builder lender quote, incentive sheet, Loan Estimate, fee worksheet, screenshot, or email for review.
Not always. Builder incentives should be compared against the full loan cost, including rate, points, lender fees, credits, monthly payment, and cash to close.
Yes. Buyers can request a personalized rate quote from Ultimate Mortgage before deciding whether to use the builder's preferred lender.
Yes. Prime Home Team can help buyers think through price, payment, lender options, builder incentives, timeline, and potential Prime Buyer Advantage savings before they commit to a builder.
A move-up buyer is a current homeowner who is selling or considering selling one home and buying another home.
It depends on equity, income, financing options, market conditions, timing, and comfort level. Some buyers sell first, some buy first, and some use a contingent offer.
Yes. A home value review can help estimate current value, selling costs, possible net proceeds, and next-home buying options.
Yes. Move-up buyers can request a personalized rate quote for the next home purchase before deciding whether or when to sell.
Yes. If a move-up buyer lists their current home with Prime Home Team while also buying their next home through Prime Home Team, Prime Home Team will offer a 1.5% listing fee on the current home sale, subject to the listing agreement and program terms.
Yes. The move-up seller 1.5% listing fee applies to the current home being sold as part of a sell-and-buy strategy. The future 1.5% listing fee applies when a buyer later sells the next home purchased through Prime Home Team, subject to program terms.
Start by requesting a home value review. Prime Home Team can review comparable sales, active competition, property details, condition, updates, timing, and selling goals.
No. A home value review is not an appraisal. It is an estimate based on market information and property details. An appraisal is a separate valuation usually completed by a licensed appraiser.
Selling costs may include mortgage payoff, listing-side fee, buyer-side compensation if offered or negotiated, seller concessions, title fees, closing fees, taxes, repairs, HOA fees, and moving costs.
Yes. Sellers who are also buying can use the move-up buyer strategy to connect home value, estimated net proceeds, rate quote, next-home search, and Prime Buyer Advantage savings.
Yes. Sellers can request a home value review and discuss a selling strategy even if they are not buying another home.
The future 1.5% listing fee applies when a buyer purchases a home through Prime Home Team and later lists that same home with Prime Home Team, subject to the listing agreement and program terms.
The move-up seller 1.5% listing fee applies when a seller lists their current home with Prime Home Team while also buying their next home through Prime Home Team, subject to the listing agreement and program terms.
No. The 1.5% listing fee refers to the listing-side fee only. Buyer-side compensation, if offered or negotiated, is separate. Other seller costs may also apply.
Yes. Listing fees vary and are negotiable. Any listing fee must be documented in the signed listing agreement.
No. The 1.5% listing fee is subject to eligibility, program terms, and a signed listing agreement.
You may qualify for the future 1.5% listing fee when selling the same home through Prime Home Team, subject to the listing agreement and program terms.
If you did not buy your current home through Prime Home Team, the future 1.5% listing fee may not apply to that home. However, if you are selling that home and buying your next home through Prime Home Team, the move-up seller 1.5% listing fee may apply, subject to the listing agreement and program terms.
A home value review is a market-based review of what a home may be worth. It may consider comparable sales, active listings, pending sales, home condition, upgrades, location, timing, and seller goals.
At minimum, the form should ask for the seller's name, contact information, and property address. Additional information about condition, updates, mortgage balance, timeline, and whether the seller is also buying can make the review more useful.
No. A home value review may provide a value range or pricing strategy, but it is not a guarantee of sale price. Final sale price depends on market conditions, buyer demand, property condition, pricing, negotiation, and contract terms.
Yes. The Home Value Review form should include fields where sellers can indicate whether they are interested in the 1.5% listing fee opportunity.
No. A home value review can be useful even if the homeowner is only researching, planning a future move, or deciding whether selling makes sense.
Prime Home Team is a real estate company serving buyers and sellers in El Paso County, Colorado. The company is built around the Prime Buyer Advantage and a real estate + mortgage savings model.
Ultimate Mortgage is the mortgage company connected to the Prime Buyer Advantage. Buyers who finance through Ultimate Mortgage may be able to avoid certain lender fees, including a 1% loan origination fee and lender processing fee.
Prime Home Team and Ultimate Mortgage are separate companies connected through common ownership. This relationship supports a coordinated real estate + mortgage model.
Common ownership helps create an efficient real estate + mortgage model. This structure allows qualified buyers to access certain savings opportunities when using Prime Home Team for the real estate purchase and Ultimate Mortgage for financing.
Because Prime Home Team and Ultimate Mortgage are connected through common ownership, buyers should receive the appropriate affiliated business arrangement disclosure as part of the process.
Visitors can learn more about the Broker Owner on the dedicated Broker Owner page.
Visitors can read reviews on the Reviews page.
The Reviews page should use actual Google reviews and approved client feedback. Reviews should not be invented or rewritten in a way that changes their meaning.
Yes. The Reviews page should include a Google review link for clients who have worked with Prime Home Team or Ultimate Mortgage.
No. Reviews reflect individual client experiences. Every buyer, seller, mortgage scenario, property, loan, and transaction is different.
No. Savings are not guaranteed. Actual savings vary based on borrower qualifications, loan amount, loan program, property type, sale price, market conditions, lender pricing, third-party fees, title charges, appraisal fees, prepaid items, taxes, insurance, escrow costs, listing agreement, selling costs, and other factors.
No. This website is not a Loan Estimate, pre-approval, commitment to lend, rate quote, mortgage application, or guarantee of loan terms.
No. A savings estimate is not a loan approval, Loan Estimate, pre-approval, commitment to lend, or guarantee of savings.
No. A requested rate quote is based on preliminary information and is subject to verification, market conditions, property details, loan program requirements, underwriting approval, and rate lock availability.
No. A home value review is not an appraisal, home valuation, net sheet, listing agreement, or guarantee of sale price.
No. Buyers may choose any lender. Buyers are never required to use Ultimate Mortgage.
Visitors may choose any real estate company. The Prime Buyer Advantage applies when a buyer uses Prime Home Team for the real estate purchase and Ultimate Mortgage for financing.
Yes. Listing fees vary and are negotiable. Any listing fee must be documented in a signed listing agreement.
