Guide, updated November 2026

How to compare real estate rebate offers

Rebate offers look simple until you read the agreement. These are the terms that change the real number.

Percentage of what?

"Up to 1% back" is not the same as "50% of the commission we receive." Ask for the rebate as a share of the brokerage's actual commission, and ask what happens if a listing pays less than usual.

Minimum fees

Some programs keep a minimum fee, for example the first $5,000 of commission, before any rebate is paid. On lower-priced homes that can wipe the rebate out.

Caps

Some offers cap the rebate at a flat dollar amount regardless of price.

Conditions

Look for requirements such as using a specific lender, title company or mortgage broker. A rebate tied to a lender with a higher rate can cost more than it saves.

Gift cards and points

Programs paying in gift cards or points often pay far less than a cash rebate. Compare in dollars.

Questions to ask

1. What exactly is my share, in writing?
2. Is there a minimum fee or cap?
3. When and how is it paid?
4. Do I have to use any particular lender or service?
5. What happens if I buy a home where the commission is lower?