Keep 85% of your buyer’s commission — $51,000 average1
On a $3M Bay Area home, your buyer’s agent typically earns about $75,000 — paid out of the home’s sale price, but priced into what you pay.
Agnsy is efficient. We take a flat 15% and route the other 85% back to you — applied where your loan permits as a reduction to cash-to-close.
Underwriting, lender pre-approval, and a cash plan that routes our 85% buy-side commission credit toward your cash-to-close where the loan permits. Or come pre-approved.
Every shortlisted home gets a comp-priced telemetry report — PPSF vs comps, school score, commute, hidden risk flags — before you tour.
We model the seller's comps, run disclosures past our review desk, and price your offer to win without paying for surprises.
Escrow, appraisal, contingencies, lender coordination are managed end-to-end. The credit lands on your closing disclosure as a reduction to cash-to-close, or as a cashier check same day — whichever your loan structure allows.
Full credit applied to cash-to-close. They wired $34,000 less than they’d planned for.
Took the full credit as a cashier check at closing — $115,000 in hand the day they got the keys.
Their lender approved the full credit toward cash-to-close. $27,944 stayed in their account.
Hybrid structure: covered closing costs, took the rest as a cashier check.
Yes. We can coordinate with your lender so the sale-side proceeds, your financing, and the buy-side credit align. That means your closing dates can be synchronized, no double-move or bridge-finance. When our in-house mortgage operation ships, you’ll be able to run all three under one roof. Until then, we work with yours.
At closing. It either appears on your final closing disclosure as a reduction to cash-to-close — you wire less money — or you receive a cashier check same day for the credit amount. Which path applies depends on your loan structure. Either way, the credit is yours at close.
In most cases the IRS treats a buyer-side commission credit as a price adjustment, not income. We are happy to coordinate with your CPA. Not to be treated as tax advice.
We retain 15% of the buyer-side commission. On a $3M home at a 2.5% buyer commission, that's $11,250 — enough to run a small, tech-enabled, fiduciary team. We don't take referral fees, lender kickbacks, or vendor commissions, and have zero financial interest in steering you toward any service provider.
Bring them. Our capital plan works with any lender — we might lose the cash-to-close optimization depending on their guidelines, but the 85% credit is unaffected.
Discount brokerages cut commission by cutting service. Agnsy inverts the model. We retain top broker expertise from regionally ranked ex-Compass agents who earned the depth to know what can be automated and what shouldn't be while structuring financing around the credit. The 85% rebate isn't a margin cut. It's the residual after a software cost structure replaces a labor cost structure.
Listing agents see our offers as competitive offers, structured cleanly. Our credit is a buyer-side arrangement. It doesn't affect the seller's net or our presentation. We structure the offer to be seller-friendly and continue to win in multiple-offer situations against Compass, Sotheby's, and traditional brokerages.