The 1b71b71 Program is built to show California buyers what a transaction can actually cost before they get too far down the road. Explore how BuyerFirst approaches representation, financing, and lender credits in Bay Area and Orange County transactions.
Most buyers find out too late. BuyerFirst buyers find out first.
This page breaks down the 1·1·1 Program in clear terms so visitors can understand how representation, lending, and closing costs connect before they commit to a purchase in California.
Sign a Buyer Representation Agreement with a BuyerFirst agent.
This is where the conversation starts. Your BuyerFirst agent discloses every number upfront — standard rate, discount condition, lender credit. Nothing hidden. You decide whether to move forward knowing exactly what you are agreeing to.
Close your loan through a BuyerFirst lending partner.
BuyerFirst works with multiple wholesale lending partners — including Champions Mortgage, UWM, and Rocket Pro TPO — offering conventional, VA, and FHA programs. When your loan closes through one of them, the 1% discount is applied and the lender credit is confirmed on your Closing Disclosure. That is it.
The discount is earned at closing. Not assumed. Not promised. Earned — by completing both sides of your transaction with the same team.
Here is what the 1·1·1 Program means on two actual transactions.
Orange County — $900,000
Standard buyer rep (2%): $18,000
Your effective cost (1%): $9,000
You save at closing: $9,000
Plus lender credit toward closing costs or rate: up to $7,000-$8,000
Total benefit vs. standard: up to $17,000
On one transaction. With one agent. Who held both licenses.
Bay Area — $1,400,000
Standard buyer rep (2%): $28,000
Your effective cost (1%): $14,000
You save at closing: $14,000
Plus lender credit toward closing costs or rate: up to $11,000
Total benefit vs. standard: up to $25,000
The same transaction. The same agent. A completely different financial picture.
1% discount applied when buyer's loan closes through an approved BuyerFirst lending partner. Standard 2% applies if loan does not close through BuyerFirst. Lender credit subject to loan amount, loan type, and origination income. All amounts disclosed on Loan Estimate and Closing Disclosure. DRE #01213498 | NMLS #2706644 | Equal Housing Opportunity. Commission rates negotiable.
You choose. Your agent models both before you decide.
Take it at closing.
The credit is applied directly to your closing costs. Less cash out of pocket on the day you get your keys. Immediate. Visible on your closing statement. Done.
Put it toward your rate.
The credit buys down your interest rate. Your monthly payment drops. Every month. For the life of the loan. On a $1.1M loan, that can mean $150-$180 less per month — or $50,000+ over 30 years.
Neither option costs you anything extra. You are choosing how to apply a benefit you already earned.
BuyerFirst operates in the San Francisco Bay Area and Orange County, California. These are the markets where our agents work daily — not a list of areas we service, but the places where our team shows up in person and knows what is happening right now.
Bay Area transactions are handled personally by De Wilmore and BuyerFirst's Bay Area team. Orange County transactions are assigned to BuyerFirst agents with direct market knowledge and lending capability.
One conversation tells you whether your transaction qualifies.
One agent. Both licenses. Three numbers that change what buying in California looks like.
The 1·1·1 Program is built around three numbers disclosed upfront, before you see a single home.
Two steps. That is all. First, sign a Buyer Representation Agreement with a BuyerFirst agent so every number is disclosed upfront. Then close your loan through a BuyerFirst lending partner to activate the 1% discount and lender credit at closing. This section helps buyers understand exactly how the program is earned, when the savings apply, and why clear financing strategy matters before moving forward in California.
Standard buyer rep (2%): $18,000
Your effective cost (1%): $9,000
You save at closing: $9,000
Plus lender credit toward closing costs or rate: up to $7,000-$8,000
Total benefit vs. standard: up to $17,000
On one transaction. With one agent. Who held both licenses.
Standard buyer rep (2%): $28,000
Your effective cost (1%): $14,000
You save at closing: $14,000
Plus lender credit toward closing costs or rate: up to $11,000
Total benefit vs. standard: up to $25,000
The same transaction. The same agent. A completely different financial picture.
The credit is applied directly to your closing costs. Less cash out of pocket on the day you get your keys. Immediate. Visible on your closing statement. Done.
Neither option costs you anything extra. You are choosing how to apply a benefit you already earned.
The credit buys down your interest rate. Your monthly payment drops. Every month. For the life of the loan. On a $1.1M loan, that can mean $150-$180 less per month — or $50,000+ over 30 years.
BuyerFirst operates in the San Francisco Bay Area and Orange County, California. These are the markets where our agents work daily — not a list of areas we service, but the places where our team shows up in person and knows what is happening right now.
Bay Area transactions are handled personally by De Wilmore and BuyerFirst's Bay Area team. Orange County transactions are assigned to BuyerFirst agents with direct market knowledge and lending capability.
One conversation tells you whether your transaction qualifies.
Most buyers spend months assuming they know what buying will cost them. Most of them are wrong — and they find out too late to do anything about it.
One conversation with a BuyerFirst agent tells you what your transaction actually looks like. The numbers. The discount. The credit. The timeline.
No obligation. No pressure. Just the real picture — before you need it.
Or start with pre-approval — link to /mortgage-help
BuyerFirst Real Estate & Lending | DRE #01213498 | NMLS #2706644 | Equal Housing Opportunity | Commission rates negotiable and not set by law
Your agent has seen the home. Your lender has seen the file. If something goes wrong at financing — a gap in the appraisal, a timing issue, a qualification question — you are in the middle of two conversations that should have been one.
BuyerFirst was built to end that.
Many BuyerFirst agents hold both a California real estate license and an NMLS mortgage loan originator endorsement. The person negotiating your offer can be the same person approving your loan.
De Wilmore — Designated Broker, California DRE Approved Instructor, licensed mortgage originator — has been doing exactly this for 29 years. The 1·1·1 Program is not a marketing idea. It is how BuyerFirst operates on every qualifying transaction.
Bay Area and Orange County. BuyerFirst operates in the San Francisco Bay Area and Orange County, California. These are the markets where our agents work daily, with local insight that helps buyers understand timing, financing, and what a qualifying transaction may look like.
Bay Area transactions are handled personally by De Wilmore and BuyerFirst's Bay Area team, while Orange County buyers work with agents who bring direct market knowledge and lending capability. One conversation tells you whether your transaction qualifies.
The conversation costs nothing.
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