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.

Use our home buyer rebate to buy your next home and we rebate a flat 50% (half) of our commission to you at closing! It's that simple!

Our home buyer rebate program works with any home even new construction. Use our name as your agent with a builder and you earn half of our commission!

Steps To Getting Paid To Using Our Home Buyer Rebate

Step 1 - Understanding the process of Home Buyer Rebates

Before you begin your home search, it's critical buyers understand the buying process. This entire process is geared toward buying from a home listed for sale in the MLS (Multiple Listing Service), not for sale by owner listings.

As you begin to contact listing agents it is critical you let them know that we are your buyers agent AND that we helped you find your home. If the listing agent is not informed that we are your agent FROM THE VERY BEGINNING that listing agent will think you are their buyer, not our buyer and there will be no home buyer rebate. We can't stress this enough.

Procuring Cause: This simply means, "Who or how was the home found"?

THIS IS WHY IT IS CRITICAL THAT YOU LET ALL LISTING AGENTS KNOW FROM THE VERY FIRST TIME YOU CONTACT THEM THAT WE ARE YOUR BUYERS AGENT, NOT THEM, OTHERWISE WE DON'T GET PAID.

Make sure you're pre approved! Few if any will want to help you unless you're formally approved. This means you've gone to a mortgage lender, submitted your income and assets and have been approved to buy your next home. If you're serious this needs to be taken care of from the beginning.

The bottom line: Make sure as you begin search and contacting listing agents, they understand we represent you or rather we are your "Buyers Agent". This way getting your home buyer rebate at closing guaranteed.

Important! Download and print our "Smart Buyer, We're Represented" form. Make copies and take them with you as you see homes. If you email agents, send it to them so they know you are professionally represented. This is the first step to verify you get your home buyer rebate.
Here is your rebate form for you verifying you get paid at closing, click here.

Next Step - Step 2, How To Search & Find Your Next Home

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

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