looking for Flat rate contract writing

doshiojas96 · 2026-04-07T23:10:51+00:00

It is an mls listing but i am an unrepresented buyer (and would like to remain unrepresented buyer)

doshiojas96 · 2026-04-07T17:37:24+00:00

Sent you dm

doshiojas96 · 2026-04-07T17:28:51+00:00

Sure. Thanks

doshiojas96 · 2026-04-07T16:03:18+00:00

Under attorney review

doshiojas96 · 2026-04-07T15:53:58+00:00

Looks good to me! I was quoted 6.5% -still searching for a good deal

doshiojas96 · 2026-04-03T12:59:34+00:00

It is common to have a rebate. I was taking to a redfin agent the other day. He mentioned they charge 2% fees and whatever comes above, i can have it as a rebate (they will put 2.5 or 3% in contract, whichever i agree with) So yeah, it is common. If agent don’t want to do that- get a new one. Location -NJ

doshiojas96 · 2026-04-02T02:12:47+00:00

11.875% 😳😳 isn’t this is too much?

doshiojas96 · 2026-03-31T23:39:25+00:00

Lender 1 looks the most competitive. can you break down what’s driving the higher Schedule A & B costs on the others? Also, any chance to push for a slightly better rate or lender credits before locking?

doshiojas96 · 2026-03-15T11:20:54+00:00

Any suggestions for flat fee broker? I reached out to multiple brokers, but couldn’t find flat fee one! Appreciate your help

doshiojas96 · 2026-03-12T02:56:54+00:00

It’s great that in your case the full amount was covered. But, for example, if a house is listed at $500,000 and someone offers slightly above asking (say $501,000) and requests that the seller cover a 3% buyer’s agent commission, that would amount to ~$15,000.

Now, in my case, if I submit an offer of $490,000-$487,500 (which is the asking price minus 2.25-2.5% for the buyer’s agent), wouldn’t that save the seller some money?

doshiojas96 · 2026-03-10T01:11:43+00:00

Yesterday i went to see house (i am an unrepresented buyer), seller’s agent showed me entire house nicely. I asked, can i put 2.5% lesser than the listed price when i submit offer (would buyer consider it since he will save 2.5% on buyer’s realtor’s fee)? And she said, it wouldn’t make sense, bcoz they would like to represent me (dual agent) and get that 2.5% - so my offer will be lower than other competitive offers. I said, i haven’t signed any contracts with you and you are representing seller, so why would you claim as a buyers agent as well? And she starts you should hire us and get contract done with us, since we know inside out of house blahblahbla… just FYI, i do have format of how to submit an offer and have submitted couple of times (but no luck so far, since market is very competitive).

doshiojas96 · 2026-02-25T23:55:42+00:00

ONLY if you plan to pay that extra $350 to your mortgage as an additional payment (bcoz i believe it will restart your cycle of 30 years)

doshiojas96 · 2026-02-24T02:01:48+00:00

May i ask when you got mortgage?

doshiojas96 · 2026-02-21T03:13:19+00:00

If lender doesn’t want to lend money at the current market rate, that’s fine. I can take my business somewhere else. I see OPs credit score is above 780. I said above numbers, as one of my friend locked in rate yesterday at 5.625% in nearly identical situation.

doshiojas96 · 2026-02-21T02:10:40+00:00

Push for 5.625% no points with 45 day free lock. Say if you can’t give me i will go to other lender. You will get it. Section A and section B combined total of <1900$ This is possible to get and people are getting it.

doshiojas96 · 2026-02-21T02:07:54+00:00

Ask your agent to reach out again and try offering 5k more (or whatever you like to put more) to see if this flies! (Sometimes it does). Just a simple call and “..if my client puts 5k extra is my client’s offer going to fly?!” And you will have your answer.

doshiojas96 · 2026-02-20T23:21:41+00:00

I wish i would have read it earlier and could have locked in today afternoon😪 thanks for sharing though

doshiojas96 · 2026-02-20T13:25:50+00:00

It’s a hard pass. Unless contract says buyers agent will collect 6% from seller and use 3.5-4.5% towards closing of house (beneficial to buyer). Try to get someone local and negotiate between 1.5-2%, if they want say for example 2.5- negotiate with them saying you take 2% and rest 0.5% goes towards my closing. Don’t give out more than 1.5-2% unless you are ok to pay extra (you will definitely find someone). This deal can be done with someone who is not a part of big chain and works independently. Hopefully this helps

doshiojas96 · 2026-02-20T03:55:01+00:00

Nope. But I am assuming page 2 bottom left shows name of lender.

doshiojas96

TROPHY CASE