Activate Your $3,000 Welcome Home Credit

Q: Can I use this on a house already listed by Nathan?

The credit applies to homes Nathan represents you to buy from another seller. If you're interested in one of Nathan's listings, talk to him directly — there are different ways to structure that fairly under California disclosure rules.

Thanks for stopping by. Enter your certificate number below to lock in your $3K credit toward closing costs on your next Redding home.

$1,500 from Luke Rugerio when you finance through Luke

$1,500 from Nathan Cross as a closing credit

Nathan Cross

Local Redding Realtor

eXp Realty | DRE# 02082647

Activate Your $3,000 Credit

Takes 30 seconds. I'll text you a confirmation.

How the Credit Works

Activate Online

Fill out the form above with your certificate number. Locks in your credit for 6 months from activation.

Get Pre-Approved

If you're not already, I'll connect you with Luke Rugerio for a no-obligation pre-approval. Usually 24–48 hours.

Find Your Home

I'll set up a home search and tour properties with you. No pressure, no rush.

Apply at Closing

When you close, the $3,000 shows up as a closing-cost credit on your Closing Disclosure. Real money, less out-of-pocket.

The Fine Print (in Plain English)

What you need to know:

Activate within 60 days of receiving your certificate. Activation locks in the credit for 6 months.
Nathan must be your representing buyer's agent on the purchase — that's how the agent-side credit gets applied at closing.
The $1,500 lender credit requires you to finance through Luke Rugerio. You keep Nathan's $1,500 either way.
Applies to home purchases in Shasta County (Redding, Anderson, Shasta Lake, Palo Cedro, Cottonwood, Bella Vista, Lakehead, Burney, Round Mountain, Shingletown).
Credit appears on your Closing Disclosure as a credit toward closing costs. Cannot be redeemed for cash, transferred, or combined with other promotional offers from Nathan.
One credit per household.
Lender credit subject to Luke Rugerio's standard underwriting and loan program eligibility.

Questions? Text Nathan at (530) 999-1773 — happy to walk through how this would work for your specific situation.

Why I Built This Offer

Closing costs catch a lot of buyers off guard — especially first-timers. On a typical Redding home, you're looking at $8,000–$12,000 in closing costs on top of your down payment. That's a real number that can push a deal out of reach or eat into your moving budget.

I partnered with Luke Rugerio on this credit because I wanted to give Redding buyers a meaningful head start, not just a marketing gimmick. $3,000 toward closing costs is real money — enough to cover most of your title and escrow fees, or pay for a year of homeowners insurance, or fund a kitchen refresh after you move in.

If you've made it this far, you're seriously considering buying a home in Shasta County. I'd love to be the one who helps you do it. Activate your credit above, and let's start the conversation.

Frequently Asked Questions

What is the $3,000 Welcome Home Credit?

It's a combined closing-cost credit when you buy a Redding-area home with Nathan Cross as your buyer's agent. $1,500 comes from Luke Rugerio (when you finance through Luke) and $1,500 comes from Nathan's commission as a credit at closing.

How do I claim the credit?

Pick up a numbered certificate at one of Nathan's open houses, then activate it on this page within 60 days. Once activated, the credit is reserved for you for 6 months and applies at closing when you buy with Nathan representing you.

Does the credit work with any lender?

The $1,500 agent-side credit works with any lender. The $1,500 lender-side credit requires you to use Luke Rugerio. There.s no obligation to use him — but you'd give up that half of the credit if you don't.

Are there strings attached?

You need to be represented by Nathan Cross as your buyer's agent and close on a Shasta County home within 6 months of activation. The credit appears on your Closing Disclosure as a credit toward closing costs. It can't be redeemed for cash or combined with other promotional offers from Nathan.

Can I use this on a house already listed by Nathan?

The credit applies when Nathan represents you to buy from another seller. If you're interested in one of Nathan's own listings, talk to him directly — there are different ways to structure a fair deal under California dual-agency disclosure rules.

What if I'm not pre-approved yet?

That's fine — activate the certificate now and Nathan will connect you with Luke Rugerio for a free, no-obligation pre-approval. Most buyers can get pre-approved in 24–48 hours.