How pay at close rates are determined

Our pay at close rates vary from state to state and are determined based on credit score.

All rates are a flat fee if paid within the repayment period (either when the home sells, or at 6 months, whichever comes first).

Example

A homeowner qualifies for a pay at close rate of 4%. If the homeowner uses $1000 of their pay at close funds, the repayment amount will be $1000 + $40 (4% flat fee) = $1040. 

You can view our state by state rate sheet here.