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

Q.	Who is Kermath Realty?
	Kermath Realty is based out of Saline, MI. We have been licensed Realtors for over 35 years and see the trend toward automating the buying and selling process. We are Statewide Realtors in Michigan that can list your home for a flat fee in any MLS and offer a real estate rebate when buying homes too.
Q	How do I find a home?
	Several ways: Realtor.com is common, try the link to the right side of our web site "Search Statewide MLS's this is a list of common MLS'S throughout the state. Also, if you see a home, you may call the listing agent. Just tell them you already have a buyers agency greement with someone else.
Q.	How does the real estate rebate work?
	As you find homes we can pull additional data for you to review. If you speak to the listing agent just tell them you already have an agent. This way they won't think you are thier prospect. By law your rebate must be on your closing statement so once we get the offer going we'll need to alert your mortgage rep so they are aware of the rebate.
Q.	How do I get started?
	Simply email me or call me at 734-649-4903. I can set you up in "Listing Match". This is a program in the MLS where we can input you so when a home meets your criteria you are the first to know as the home is emailed to you!
Q.	Can I sign up even if I've talked to other agents?
	Yes but be sure you let them know you will be signing a buyers agency agreement from here on out. It is important other agents know you're working with us. Otherwise they'll think you are their prospect and want the commission if you buy.
Q.	Can I use Kermath Realty if the home is for sale by owner?
	Yes, the owner most likely is willing to pay a commission to sell their home. Although you may think that if you go to the owner direct you get the home cheaper because there is no commission, that is not true. The owner is saving half and you are professionally represented so we can get the home for even less! Additionally, when a buyer and seller have no agent it's best to hire us to do the paperwork to ensure a smooth closing. Many times any commission of fee to us can be negotiated and split between buyer and seller as a way to get professional help.

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