How does the 50% buyer rebate work with the new NAR buyer broker agreement rules?

Under the post-2024 NAR settlement rules and Michigan MLS policies (Realcomp, MichRIC, NGLRMLS, UPMLS), buyers sign a written buyer broker agreement before touring homes. Our agreement clearly sets our buyer broker compensation and guarantees in writing that we refund a flat 50% of the buyer agent commission collected from the seller or builder back to you at closing.

How much is a typical 50% home buyer rebate across Michigan metro areas?

When a seller or builder offers a typical 3% buyer agent commission, our flat 50% refund equals 1.5% of the purchase price back to you at closing: $4,500 on a $300,000 home, $6,750 on a $450,000 home, $9,000 on a $600,000 home, $12,000 on an $800,000 home, and $15,000 on a $1,000,000 home (or $3,750 to $12,500+ when the offered commission is 2.5%).

Does the 50% Michigan home buyer rebate work on new construction homes?

Yes. Whether you are buying a spec home or building with Toll Brothers, Pulte, Lombardo, Robertson Brothers, or a custom builder in Michigan, simply name Jeff Kermath (Flat Fee Michigan / Kermath Realty) as your buyer's agent on your very first builder visit or online registration to receive a flat 50% of the builder's buyer-agent commission at closing.

Can I combine a Flat Fee MLS listing when selling my home with the 50% buyer rebate when buying?

Absolutely. You can list your current Michigan home on the local Realtor MLS for a flat fee of $249–$499 and also receive a flat 50% buyer agent commission refund when purchasing your next Michigan home—saving thousands on both sides of your move.

2026 Michigan Home Buyer Commission Refund Program

Get a Flat 50% Buyer Agent Commission Rebate at Closing in Michigan ($4,500 to $15,000+ Back)

Q: Are home buyer commission rebates legal in Michigan?

Yes. Home buyer commission rebates are 100% legal in Michigan (one of 40+ states where real estate commission rebates are permitted) and are explicitly supported by the U.S. Department of Justice as pro-consumer competition. Your flat 50% commission refund is fully disclosed to your mortgage lender and title company on your Closing Disclosure / ALTA settlement statement.

Q: How does the flat 50% commission refund appear on the closing statement?

Your flat 50% buyer agent commission refund appears directly as a credit on your Closing Disclosure (CD) and ALTA settlement statement at closing. Depending on your loan program, you can apply the rebate toward closing costs, prepaid taxes and escrow, a mortgage interest rate buy-down, or reducing the cash required at closing.

Buy any MLS-listed or new-construction home in Michigan with licensed broker Jeff Kermath (35+ years experience, BBB A+ Rated) and receive a flat 50% of the buyer's agent commission credited directly to you on your closing statement—typically 1.5% of the purchase price back at closing.

Call / Text Jeff Kermath: 734-649-4903 Email: jeff@flatfeemichigan.com

2026 Michigan Home Buyer Commission Rebate Calculator & Examples by Price Tier

With Flat Fee Michigan / Kermath Realty, our rebate is a flat 50% of the buyer broker commission—never a sliding scale. Below is what your 50% Buyer Agent Commission Refund looks like across typical Michigan purchase prices ($300,000 to $1,000,000):

Michigan Home Purchase Price	3.0% Buyer Agent Commission	Your Flat 50% Rebate (at 3.0% = 1.5% Back)	2.5% Buyer Agent Commission	Your Flat 50% Rebate (at 2.5% = 1.25% Back)
$300,000	$9,000	$4,500 Credit at Closing	$7,500	$3,750 Credit at Closing
$450,000	$13,500	$6,750 Credit at Closing	$11,250	$5,625 Credit at Closing
$600,000	$18,000	$9,000 Credit at Closing	$15,000	$7,500 Credit at Closing
$800,000	$24,000	$12,000 Credit at Closing	$20,000	$10,000 Credit at Closing
$1,000,000+	$30,000+	$15,000+ Credit at Closing	$25,000+	$12,500+ Credit at Closing

2026 Michigan Buyer Rebate Examples by Metro Area & MLS Region

We provide statewide Michigan buyer representation and our flat 50% commission refund across every Michigan MLS board:

Michigan Metro Area / Region	Local MLS Board	Typical Purchase Range	Your 50% Commission Refund (1.5% Typical)
Metro Detroit & Oakland / Wayne / Macomb Royal Oak, Troy, Birmingham, Novi, Rochester Hills, Canton, Grosse Pointe, Shelby Twp	Realcomp II MLS	$300,000 – $1,000,000+	$4,500 – $15,000+ back at closing
Ann Arbor & Washtenaw County Ann Arbor, Saline, Dexter, Chelsea, Ypsilanti, Milan	AAABOR / Realcomp	$450,000 – $1,000,000+	$6,750 – $15,000+ back at closing
Grand Rapids & West Michigan Grand Rapids, Ada, Holland, Grand Haven, Muskegon, Kalamazoo, St. Joseph	MichRIC (West MI MLS)	$300,000 – $800,000+	$4,500 – $12,000+ back at closing
Lansing & Mid-Michigan Lansing, East Lansing, Okemos, Haslett, DeWitt, Grand Ledge, Brighton	Greater Lansing MLS / Realcomp	$300,000 – $600,000+	$4,500 – $9,000+ back at closing
Traverse City & Northern Michigan Traverse City, Leelanau, Petoskey, Harbor Springs, Charlevoix, Boyne City, Cadillac	NGLRMLS & Northern MI MLS	$450,000 – $1,000,000+	$6,750 – $15,000+ back at closing
Upper Peninsula of Michigan Marquette, Houghton, Escanaba, Sault Ste. Marie, Iron Mountain, Munising	Upper Peninsula MLS (UPMLS)	$300,000 – $600,000+	$4,500 – $9,000+ back at closing

Interactive Michigan 50% Buyer Commission Rebate Calculator

Select or enter your target Michigan home purchase price and the offered buyer-agent commission rate to calculate your flat 50% closing credit:

Home Purchase Price ($)

Buyer Agent Commission (%)

Your Flat 50% Commission Refund

$6,750

Top 2026 Michigan Home Buyer Rebate FAQs

1. Are home buyer commission rebates legal in Michigan?

Yes — 100% legal. Michigan is one of more than 40 states where real estate broker commission rebates to home buyers are completely legal, and the U.S. Department of Justice explicitly endorses buyer rebates as pro-consumer competition. Your rebate is transparently disclosed to all parties on your Closing Disclosure / ALTA settlement statement.

2. How does the flat 50% commission refund appear on the closing statement?

Your flat 50% commission refund appears directly as a buyer credit on your Closing Disclosure (CD) / ALTA settlement statement at closing. With your mortgage lender's approval, it can cover your closing costs, prepaids/escrow, mortgage points (rate buy-down), or reduce the cash you bring to closing.

3. How does the 50% rebate work with the new NAR buyer broker agreement rules?

Under the post-2024 NAR rules and Michigan MLS policies (Realcomp, MichRIC, NGLRMLS, UPMLS), buyers sign a written Buyer Agency Agreement before touring homes. Our agreement clearly states our commission and includes our written guarantee to credit a flat 50% of the buyer-agent commission paid by the seller or builder back to you at closing. Always let listing agents and builders know on first contact that you are represented by Jeff Kermath (Kermath Realty / Flat Fee Michigan).

4. Does the 50% buyer rebate apply to new construction homes in Michigan?

Yes! Whether you are buying a spec home or building from scratch with Toll Brothers, Pulte, Lombardo, Robertson Brothers, M/I Homes, or a custom Michigan builder, register Jeff Kermath as your buyer's agent on your very first visit or online registration and receive 50% of the builder's coop commission at closing.

5. Can I combine a Flat Fee MLS listing ($249–$499) when selling with the 50% Buyer Rebate when buying?

Yes! Many Michigan clients list their current home with us for a flat fee of $249–$499 (saving $10,000+ in listing commissions) and then use our flat 50% Buyer Commission Rebate on their next Michigan purchase (saving another $4,500–$15,000+ at closing).

Contact Jeff Kermath Directly to Lock In Your 50% Michigan Buyer Rebate

Broker: Jeff Kermath — Flat Fee Michigan / Kermath Realty (Licensed Michigan Real Estate Broker, 35+ Years Experience, BBB A+ Rated)

Direct Phone / Text: 734-649-4903 | Email: jeff@flatfeemichigan.com

(Note, the above is an example only. Commission rates vary by state law, it could be higher or lower.)

Building a new, custom home? Buying a new home? Building with a custom builder like Toll Brothers, Pulte or any other builder?

If you're looking for your next home, why not get paid to do it? We are Michigan's #1 home buyer rebate company

We are a full service real estate company with over 30 years of experience and hundreds of files closed.

Sacrifice nothing, gain everything. . We are here to guide you through the home buying process and fully represent you NO DIFFERENT than any other buyers agent.

Our rebate is simply an incentive for you to work with us. If you're searching for a home, why not get paid to do it?

Your real estate rebate will be on your closing statement. It can be used as a credit toward the purchase price of your home or against closing costs. Here's what the DOJ (Department of Justice) says on Rebate, see the article here...

How to earn buyer real estate rebate at closing!

Step #1: As you find homes and contact listing agents, make sure you tell the listing agent that you already have an agent. This is critcal for you to get your home buyer rebate. If you don't tell agents that you have another agent they'll think you are their buyer. This means no home buyer rebate as they could legally demonstrate that you are their buyer, even if you use us.

Step #2, Let us do the work: As you search for homes just email me, Jeff Kermath by clicking here with any home you're interested in. I can pull the data, contact the listing agent to see if there are any offers and feel them out to see how motivated the seller is.

If you've already found a home, email me the address or mls number. I can look up the history of the property and verify it is still active. Many homes advertised have offers but aren't updated. I can also pull up the history and check tax data to see when it last sold and for how much giving us good insight as to what we price we should offer.

Additionally, If you wish, I can enter you into the MLS system so you receive emails of any home that meets your criteria automatically! You would be the first to know when a home is listed or the price reduced that meets your guidelines.

Step #3: Get pre approved: Most agents don't want to show a home to you unless you've been pre approved.

When you're ready to make an offer, a pre approval lends credibility and is almost a requirement from listing agents. Most offers won't be presented unless the offer has a pre approval with it.

Step # 4: Again, as you're searching for homes you will invariably speak to agents. Make sure you let them know that you already have an agent. Otherwise they will think you are their prospective buyer.

Step #5: Once you find a home this is our "Rebate contract" verifying you get your rebate paid to you at closing.

Calculating your home buyer rebate: The more work you do finding your home, the higher the rebate. The concept is simple. We know that you're actively searching for homes. The less time we spend showing you homes, the more you get back at closing.

NOTE: IF you're buying a new home from a builder in a subdivision just let the builder / developer know you have an agent and you receive the rebate. This is very simple on new homes!

Calculate your home buyer rebate. We rebate a flat 50% of the buyer's agent commission to you at closing!

Potential resistance: Most Listing agents will expect me, your buyer’s agent to show the property. Since we may not be able to be there for every showing, the listing agent must show you the property, (unless there is an open house). NOTE: IT is illegal for a listing agent to give you a lockbox code to get into a vacant home. If they allow this it is wrong.

Additionally, we may be able to meet you at the home to show it for you. Just give us advanced notice please.

IF YOU ASK THE LISTING AGENT TO SHOW YOU THE HOME AND THEY DON’T WANT TO

In the past, buyer’s agents scheduled AND attended showings. True, they want their listing sold but both listing agent and buyer’s agents have their “perceived” duties to earn their commission.

The listing agents phone number is generally found on the listing, if not you should be able to get an office roster or Google them.

When you call the listing agent to see their listing they may think that you don't have an agent since you're calling them direct. Inform them that you do have an agent but you wish to arrange the showing directly with them. (If you're not comfortable doing this, call us and we'll not only pull the mls sheet and get the data on the home, we'll schedule it for you).
Occasionally, they may be offended as the listing agent expects the buyer’s agent (Kermath Realty) to drive out and show you the property.

If the listing agent gives you resistance try the techniques below!

"I'm calling because I would like to see your listing at ____________. I have an agent but they're out of town and I wondered if you can show me the property. I am ready to buy and have my pre approval." I’ve narrowed my choices down to just a few homes and this one may be it!

I'm very interested in your listing on ____________________. Before I make an offer I want to see the property. I am using Kermath Realty as my agent. They represent me and do all of the paperwork and negotiating, but they typically don't accompany me to showings.

My agent is out of town but I would really like to get in to see your listing at ______. Can you tell me when a convenient time is for you? I’m pre approved, ready to buy and really like this home!

If you have any trouble scheduling a tour with a listing agent, just call me at 734-649-4903.I”ll make sure you get into the property!

Don’t let the rebate fool you. You are fully represented. We bring over 20 years of experience and hundreds of closing to the table. As you buyer’s agent, we are committed to getting you the lowest price and best terms on your next home!

With Kermath Realty, you have the best of both worlds; Flat fee listings to save you thousands selling and buyer rebates when you’re buying. We are committed to making the home buying and selling experience the best it can possibly be while saving you the most money possible.

Yours truly,

Jeffry M. Kermath

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