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Questions? Call or Text Us: 760-280-2800

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What is the Harrison Advantage?

  1. Trust – Simply…we do what we say and always prioritize your needs
  2. Expertise – We are a husband-and-wife team that have developed complementary skill sets over the last 30 years of service that we put to work for you…directly, no newbie Agents or hand-offs to Assistants
  3. Savings – Our low overhead and depth of services (Real Estate and Mortgages) allow us to pass on to you a discounted commission structure

Seller example on an $800,000 sales price

  • Typical total commission with other Realtors (6%)
    $48,000
  • Total commission when you work with us (3.50%)
    $28,000
  • Total Savings!
    $20,000

Buyer example on an $800,000 purchase price

  • Typical Commission Credit with other Realtors (0%)
    $0
  • Commission Credit when you work with us (1%)
    $8,000
  • Total Savings!
    $8,000

Get in Touch!

We are here to help!  To get in touch, please complete the below form or call/text us at 760-280-2800.
We look forward to connecting with you!

Below are some of our past deals…

We have negotiated deals to: cover all of the closing costs, obtain down payment assistance, and even include seller paid improvements (flooring, paint, etc.)

home-01

We negotiated a Seller credit on this Aliso Viejo home to cover 100% of the Buyer's closing costs.  Plus, the Buyers applied the Commission Credits towards reducing the sales price!

Purchase Price

$378,500

Commission Credit

$5,677

Negotiated Seller Credit

$8,340

Total Savings

$14,017

home-02

The Buyer used the Commission Credits on this Oceanside home to cover 100% of the closing costs and the excess reduced the sales price.  The higher the sales price, the more Commission Credits!

Purchase Price

$2,300,000

Commission Credit

$34,500

Negotiated Seller Credit

$0

Total Savings

$34,500

home-03

We assisted the Buyer purchase this San Bernardino home from their landlord and were able to negotiate 100% of their closing costs be paid for by the Seller.

Purchase Price

$225,000

Commission Credit

$3,500

Negotiated Seller Credit

$6,385

Total Savings

$9,885

home-04

This was the second time we had the pleasure of helping these clients purchase a home.  They applied their Commission Credits towards their closing costs.

Purchase Price

$484,000

Commission Credit

$7,260

Negotiated Seller Credit

$0

Total Savings

$7,260

100% of the closings costs (including impounds) were covered by the Commission Credits so the Buyers only brought in the down payment for this closing. Allowed them to purchase earlier than otherwise would have been doable.

Purchase Price

$656,900

Commission Credit

$9,853

Negotiated Seller Credit

$4,000

Total Savings

$13,853

This property needed some TLC so the Commission Credits allowed the Buyers to apply the funds that would have gone towards their closing costs towards improvements.

Purchase Price

$429,000

Commission Credit

$6,435

Negotiated Seller Credit

$4,000

Total Savings

$10,435

These first time buyers leveraged the Commission Credits program to buy in beautiful Encinitas. We were also able to negotiate $5,000 in additional credits which the combination coverered 100% of the non-recurring closing costs.

Purchase Price

$850,000

Commission Credit

$9,975

Negotiated Seller Credit

$5,000

Total Savings

$14,975

This was a previous Harrison Advantage Buyer and partially due to the savings, they were able to retain their previous purchase as a rental! This transaction closed during the crazy market of 2021 and we were still able to negotiate a great sales price and provide credits for the Buyer's closing costs.

Purchase Price

$779,000

Closing Cost Credit

$11,738

Negotiated Lender Credit

$2,109

Total Savings

$13,847

This was a first-tme Buyer that needed to close fast since their lease was up and they did not want to move twice. The offer was accepted on a Saturday and we obtained the Buyer's loan approved on Tuesday…3 DAY APPROVAL!

Purchase Price

$745,000

Closing Cost Credit

$7,500

Negotiated Lender Credit

$8,712

Total Savings

$16,212

This was a great property but it needed some work. We were able to negotiate a $40,000 Seller Credit towards the sales price in addtion to $15,000 towards the Buyer's closing costs.

Purchase Price

$1,715,000

Closing Cost Credit

$15,000

Negotiated Seller Credit

$40,000

Total Savings

$55,000

This was the third purchase by these Buyers through Harrison Advantage. Partially due to the savings, they were able to maintain the two previous properties as rentals. We were able to provide a credit towards their closing costs in additon to obtaining a Seller credit!

Purchase Price

$950,000

Closing Cost Credit

$12,067

Negotiated Seller Credit

$3,000

Total Savings

$15,067

This was a first purchase by this Buyer through Harrison Advantage and we are confident that it will not be his last! He is on a mission to purchase and then rent after 1-2 years so he can build a strong real estate portfolio.

Purchase Price

$650,000

Closing Cost Credit

$6,500

Negotiated Seller Credit

$0

Total Savings

$6,500

This was a first-time Buyers and we were able to provide a credit towards their closing costs in addition to negotiating a Seller credit! These savings provided the additional cash flow to enable the Buyers to plan a few upgrades on the property.

Purchase Price

$599,000

Closing Cost Credit

$5,990

Negotiated Seller Credit

$10,000

Total Savings

$15,990

Calculate Your Savings!

ready to own a home

Ready to Learn More?

We are easy to reach and easy to talk with…let’s connect!
Call or text us at: 760-280-2800 or click on the “Contact Us” button to send us an inquiry.

Strategy for best results

Over the last 30 years, we have established a streamline process that leverages both our Mortgage and Real Estate Services to position you for success… even if you are purchasing your 1st home or next property.

The key is getting LOAN APPROVAL from Underwriting prior to making an offer!

By 1st obtaining loan approval, you are positioned to win! Win by having your offer accepted! Win by being able to negotiate like a cash buyer! Win by eliminating the stress (for all parties) during the closing process.

submit loan document

Submit Loan Documentation

The first step is to submit your documentation. We provide a secure online upload site for ease and security.

obtain credit approval

Obtain Credit Approval

Your documentation will be submitted to the Underwriting Department for FULL CREDIT APPROVAL!

find dream home

Find Your Dream Home!

We will present your offer along with a Certificate of Approval. Sellers and Agents know the value of a buyer that is already APPROVED!

Our Reviews

Megan V
Megan V
2022-11-30
Joel and Kerry were such a pleasure to work with during this whole process- I don’t think we could’ve done it without their guidance and expertise! They both had great communication and were quick to answer our endless questions! Luckily they both really know what they’re doing since I certainly didn’t as a first time home buyer! Thank you both so much!! :)
Gerard Keating
Gerard Keating
2022-11-19
Joel and Kerry Harrison did an outstanding job in serving my mortgage needs. They reviewed numerous documents and provided a wide range of financing options. Everything was done very quickly and accurately. Also, besides their outstanding service, Joel and Kerry are truly a pleasure to work with. One more thing: Joel also did an outstanding job as my real estate agent; he handled a very complex transaction with great expertise. Joel is as good of a realtor as he is a mortgage broker.
Adrienne Bixby
Adrienne Bixby
2022-11-17
They have access to a ton of different loan options which makes shopping around a lot easier. Also, they have a home-buying program where they can also act as the realtor. We just needed to find the home ourselves (easy enough!) and then they help navigate all of the paperwork. With this program, they were able to put a percentage of their commission towards closing costs. Lastly, I'm a first-time home buyer. It will probably be the biggest purchase of my whole life, so I was very nervous. But, Joel and Kerry were very patient with me and answered all of my questions without making me feel silly. I would recommend them and this program to anyone.
Miriam Schroeder
Miriam Schroeder
2022-11-17
America’s Loan Advisors worked with me in getting a home equity loan. They were knowledgeable, professional and patient, explaining each step of the process. I am very pleased with my experience with them and would highly recommend them.
Leonard Kilman
Leonard Kilman
2022-09-23
Joel and Kerry Harrison are the easiest people to work with when refinancing or purchasing a new home very professional they know their job well they give you excellent advice as far as your credit goes they work very hard to make a easy and smooth process and I trust them 100% they’ve sold houses for me refinanced for me and help me with purchases on new homes they are the go to people when purchasing any real estate or refinancing needs, Great team to work with Joel and Kerry.
Michael Blackstone
Michael Blackstone
2022-09-06
Joel and Kerri are both very professional and make the process of applying, qualifying, and securing a loan fast and easy. I have used ALA for several refinances and plan to use them again.
Julie Chetney
Julie Chetney
2022-08-17
Thank you, Joel and Kerry Harrison, for everything you did and continue to do for us in the world of lending and mortgages. We cannot thank you enough for walking alongside us. We knew your expertise and professionalism but the extent to which you went the extra mile really means a lot. They are professional and kind and had great patience as we navigated the purchase of our first home. We highly recommend anyone reach out to Joel and Kerry!
Robert O'Rourke
Robert O'Rourke
2022-08-02
Joel and Kerry handled our Refi and could not have made the process easier! We couldn’t be happier with the service and professionalism that they provided. I would and will recommend them to everyone!
Giulia Swolgaard
Giulia Swolgaard
2021-07-26
My husband and I would like to send out a huge thank you to both Joel and Kerry from America’s Loan Advisors. We recently completed a second home refinance with them and I cannot say enough great things about how they conduct business. It was late afternoon when I had spoke to Joel about options that we had with our situation and telling him that we would like to proceed. The great thing I liked about my conversation with Joel was that he asked what I was trying to accomplish and then he provided me with a great option that accomplished what we were trying to do and in the process saved us a lot of money. Within a couple of hours of speaking to Joel, our rate was locked and initial disclosures were sent over for signing. This was done all after normal business hours. The communication was outstanding. Kerry always kept us up to date of everything that was happening with our refinance. We knew we would be leaving town within a few weeks of starting the process. I made both Joel and Kerry aware that we would be going out of town and we were actually signing all of our closing documents about a week and a half later and were fully closed withing two weeks. Thank you Joel and Kerry for your outstanding service. Without hesitation, I would definitely recommend America’s Loan Advisors for all of your home loan needs.
Karen Metcalfe
Karen Metcalfe
2021-06-07
Joel and Kerry Harrison are an incredible team! Joel is very knowledgeable and provided a detailed, yet easy to read and understand spreadsheet with my rate, payment, and savings options. Kerry was thorough and efficient at gathering the documents required for a clean loan approval quickly. From start to finish my refinance took less than 18 days with an appraisal. I absolutely will continue to use Joel and Kerry for all of my home loan needs and would highly recommend them to anyone looking for an experienced, trustworthy mortgage broker.

Frequently Asked Questions

If you have a question that is not answered below, please call us at 888-979-0321

How can you afford to provide this much of a commission credit?

Low overhead, plus, when we sell or help you buy while providing your financing, we are paid commissions which we share with you.

What services do you provide?

We are a full-service Real Estate and Mortgage Firm with over 30 years of experience.

Home Sellers

  • MLS/Internet/Virtual Tours
  • Professional Photography
  • FREE Home Staging Consultation
  • Showing Scheduling
  • Listing Prep Financing
  • Skilled Negotiating
  • Contractor Coordination
  • Closing Coordination

Home Buyers

  • Home viewing
  • Inspection Coordination
  • Property Valuations
  • Contractor Bids
  • Offer presentations
  • Purchase & Improvement Financing
  • Offer negotiations
  • Closing Coordination
When do I receive my Commission Credit?

You receive your Commission Credit during closing.

How does the Seller Credit work?

Partially due to our “winning strategy” we have been successful in negotiating credits from the Seller to help our Buyer clients with closing costs and improvements.  This strategy reduces the amount of cash our Buyer clients need to have available at closing and after for needed improvements.

Is there an income restriction to receive the Commission Credit?

No. The Commission Credit is available to all regardless of their income level.

We look forward to being of service.