At SC Real Estate and Xpert Home Lending, we are proud to serve the physicians, residents, retirees, and student members of the Kern County Medical Society with a comprehensive real estate and lending partnership designed specifically for your profession and pace of life.

We understand the demands of your career — long hours, complex schedules, and major life transitions — and our mission is to simplify the home buying, selling, refinancing, and investing process with concierge-level guidance, exclusive financial advantages, and trusted expertise.

As medical professionals, you dedicate your lives to serving the community. Our commitment is to serve you with the same level of excellence, professionalism, and integrity.

We look forward to being your trusted real estate and lending resource — today and for years to come.

Real Estate Services

• Personal consulting for buyers, sellers, and investors
• Professional market analysis
• City / Neighborhood orientation
• Commission rebate program
• Free market updates
• Referral program
• Homeowner tax-savings guidance
• Real estate investment analysis
• Access to off-market properties
• Membership benefits extended to family & friends
• Relocation concierge service

Discounts and Offers

• Listing Fee Reduction - 0.5% reduction on listing fees for the Platinum Concierge Program (from 3.5% →3%)
• Purchase Concessions - $1,000 credit toward closing costs for purchase prices $500,000 and below, $2,000 credit
  toward closing costs for purchase prices $500,001 and above
• Complimentary Rate Buy Down - 0.25% rate improvement/buy-down, paid by the lender
• No Lender Fee Refinance - After completing a loan with us.

Xpert Home Lending Services

• Complimentary purchase or refinance consultation
• Low-rate guarantee
• Fixed and adjustable-rate mortgages
• Low-rate refinance loans
• Cash-out refinance programs
• Investment purchase/refinance loans
• VA purchase & refinance
• FHA purchase & refinance
• USDA purchase loans
• Jumbo purchase & refinance
• Down payment assistance programs

Eligibility & Redemption

• This offer is valid only for verified KCMS members.
• Kern County Medical Society members must present proof of current society membership in the form of a current
  membership validation letter, electronic, or hard copy.
• All current active, retired, resident, and student members are eligible with proof of membership.