When you buy with me, part of the commission I earn comes back to you at closing in the form of a rebate. Up to 40% of it.
Answer these quick questions and see if you qualify in about a minute. No obligation.
The rebate isn't a tier you choose — it's set by the buyer-agent commission the seller offers in the deal. The higher that commission, the bigger your share back at closing.
Your rebate percentage is set by what the seller agrees to pay the buyer's agent — confirmed in writing before you write an offer.
A lender pre-approval strengthens your offers and is required if your rebate will be applied as a closing-cost credit. We disclose the rebate to your lender up front.
A short buyer representation agreement confirms we represent you and puts your rebate structure in writing before you tour a single home.
Since the NAR settlement, buyer-agent compensation isn't posted in the MLS listing. We typically request 3% in your offer; the seller can counter lower, and it's settled through back-and-forth as part of the purchase offer.
Whatever the seller agrees to pay — 2%, 2.5%, or 3% — determines your rebate percentage: 20%, 30%, or 40% back, respectively.
At close of escrow, your rebate is delivered to you, as allowed by your lender and loan program.
Yes. Commission rebates to buyers are permitted under California law and have become more common industry-wide since the 2024 NAR commission settlement decoupled buyer-agent pay from listings.
Buyer rebates are generally treated as a reduction in your purchase price rather than taxable income. Every situation is different, so consult your own CPA or tax advisor.
Depending on your loan program and lender, your rebate is delivered as a closing-cost credit or rate buydown, or as cash where your lender allows. Some loan programs, FHA especially, are strict about cash back to the buyer. We confirm which options your lender allows before you're under contract.
Most conventional, FHA, and VA loans allow buyer rebates, subject to lender and program limits, which can be tight, especially for VA. Rules vary by lender and loan type. We disclose the rebate to your lender from day one and confirm the mechanics before you write an offer.
Not directly — lenders won't let you simply add the commission on top of the purchase price and finance it. The common workaround is negotiating a higher sale price paired with a matching seller concession, which effectively folds the cost into the deal. This still has to appraise at the higher value, and lenders cap how much a seller can contribute, so it's not guaranteed to work on every home.
We typically open by requesting 3% in your offer. The seller can counter at a lower rate — often 2%, 2.25%, or 2.5% — and from there we accept or counter back until it's settled, usually as part of accepting your offer. Your buyer representation agreement states that if the seller offers nothing, you're responsible for your agent's commission. If you'd rather not cover that gap, we can try to negotiate it with the seller directly or move on to a different home.
Your rebate drops to the lower tier. If the seller agrees to 2.25%, you'd get the 2% tier, which is 20% back. If the seller agrees to 2.75%, you'd get the 2.5% tier, which is 30% back.
Your rebate percentage locks in once the seller's compensation offer is confirmed in the purchase agreement — it doesn't change after you're under contract.
Last updated: October 23, 2026
This website (buyerrebateprogram.com) is operated by Alberto Gutierrez ("we," "us," or "our"), a California-licensed real estate broker (CalDRE #01331533) affiliated with lpt Realty. "Buyer Rebate Program" is the name of this website, not a separate business. This Privacy Policy explains what information we collect through this website, how we use it, who we share it with, and the choices you have. By using this site, you agree to the practices described here.
We collect information you give us and information collected automatically when you use this site.
We do not use your information to make automated decisions that produce legal or similarly significant effects.
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If you give us your phone number, we may call or text you about your inquiry and our program. Texts may be sent using automated technology. Your consent is not a condition of buying or selling any property or of receiving any service. Message and data rates may apply. Reply STOP to opt out of texts or HELP for help at any time. We do not share mobile phone numbers or text-messaging consent with third parties or affiliates for their own marketing.
The rebate calculator runs in your browser. The home price and commission rate you select are not sent to us. When you complete the questionnaire, your answers, first name, and phone number are sent to us and stored in our customer-management system so we can follow up.
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the CPRA, gives you the right to:
To exercise any of these rights, email us at hello@buyerrebateprogram.com. We will verify your identity before fulfilling a request.
We use reasonable administrative and technical safeguards to protect the information you provide. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security. We keep contact and transaction-related information for as long as reasonably necessary for the purposes described in this policy and to meet California real estate recordkeeping requirements.
This site is not directed to anyone under 18, and we do not knowingly collect personal information from children.
We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page shows the most recent revision. Continued use of this site after changes are posted means you accept the updated policy.
Questions about this Privacy Policy or your personal information can be sent to Alberto Gutierrez, CalDRE #01331533, at hello@buyerrebateprogram.com.
Last updated: October 23, 2026
These Terms & Conditions govern your use of this website, operated by Alberto Gutierrez, a California-licensed real estate broker (CalDRE #01331533) affiliated with lpt Realty. "Buyer Rebate Program" is the name of this website, not a separate business. By accessing or using this site, you agree to be bound by these Terms. If you do not agree, please do not use this site.
Alberto Gutierrez is a licensed real estate broker in the State of California, CalDRE #01331533, affiliated with lpt Realty. Nothing on this site constitutes an offer of representation until a written buyer representation agreement is signed by both parties. Use of this website does not, by itself, create an agency relationship.
The rebate percentages described on this site (20%, 30%, or 40%, depending on whether the seller agrees to pay a 2%, 2.5%, or 3% buyer-agent commission) are the structure we currently offer, and are subject to the following conditions:
All figures generated by the rebate calculator on this site are illustrative estimates only. They are not a quote, offer, guarantee, or binding commitment of any kind.
Actual rebate amounts depend on the final purchase price, the actual commission the seller agrees to pay, lender guidelines, loan program rules, and the terms of your specific transaction. Estimates shown on this site should not be relied upon when making financial decisions.
We are not a lender, CPA, or tax professional. Statements on this site about lender treatment of rebates or the tax treatment of rebates are general information, not individualized advice. You should confirm rebate mechanics directly with your lender and confirm any tax implications with a licensed CPA or tax advisor before relying on them.
If you give us your phone number, we may call or text you about your inquiry and our program, including with automated technology. Your consent is not a condition of buying or selling any property or of receiving any service. Message and data rates may apply. Reply STOP to opt out of texts or HELP for help at any time. See our Privacy Policy for how we handle your information.
You agree not to use this site to:
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This site and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to accuracy, completeness, or fitness for a particular purpose. We do not warrant that the site will be uninterrupted or error-free.
To the fullest extent permitted by law, Buyer Rebate Program and Alberto Gutierrez shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this site or reliance on any estimate, calculation, or information presented on it.
These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any dispute arising from these Terms or use of this site shall be subject to the jurisdiction of the courts located in Los Angeles County, California.
We may revise these Terms at any time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of this site after changes are posted constitutes acceptance of the updated Terms.
Questions about these Terms can be directed to Alberto Gutierrez, CalDRE #01331533, at hello@buyerrebateprogram.com.