Real Estate With a REBATE is what I do. 600+ Model tours

Florida's new construction buyer agent specialist offering a Real Estate Estate Rebate to my buyers.

Florida's REBATE Realtor

I’m James Stelmack, Florida's REBATE REALTOR specializing in new construction homes throughout much of the state of Florida. As a dedicated Florida Real Estate buyers agent, I've assisted hundreds of buyers in relocating through my exclusive Buyer agent rebate program, which has been featured in over 600 model tours on YouTube. With me, there are NO TRANSACTION FEES | NO ADMINISTRATION FEES | NO FEES and I rebate 50% of the Buyer's agent commission to my buyers for closing costs, pre-paids, interest buy down when financing or simple towards balance of pay-off if paying cash. Save thousands on your next new home purchase.

How does a buyer broker agreement & Rebate work?

Do you have to pay a buyer agent with the new Broker agreement? NO, MUST WATCH

Putting the Real Estate With a REBATE aside there are many benefits to having a Realtor.

How does a Real Estate commission Rebate work in Florida?

A Realtor rebate makes buying a home more affordable.

Fannie Mae on Interested party contributions (rebate)

https://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcs

How does a Real Estate commission REBATE Work in Florida?

A Realtor rebate makes buying a home more affordable.

Fannie Mae on Interested party contributions (rebate)

https://selling-guide.fanniemae.com/sel/b3-4.1-02/interested-party-contributions-ipcs

Limits on Real Estate commission Rebates in Florida

What is an I.P.C.

All interested parties must agree

Contribution limits

A Real Estate rebate, often referred to as a third party contribution or Interested Party Contribution (I.P.C.), can be a valuable resource for Florida Real Estate buyers. This rebate is applicable in transactions where a buyer agent rebate or commission rebate is involved, allowing buyers to benefit from contributions made by those with a financial interest in the transaction, such as a Florida realtor or builder-seller or mortgage company.

Contribution limits

All interested parties must agree

Contribution limits

I.P.C limits are based on the lower of the appraised or sale price. For example, if you are putting 9% down on a Conventional loan, the IPC limit is 3% from all parties involved. If you are putting down 10-25%, the limit increases to 6%, and for down payments above 25%, it rises to 9%, assuming the property appraises at the selling price. This is just one limit; there are others to consider.

All interested parties must agree

All interested parties must agree to The IPC. For example, there are a few builders that do not allow third-party contributions, which can impact the potential for a buyer agent rebate. One of those builders is GL Homes. Additionally, some builders restrict these contributions in certain divisions within their company; for instance, the Pulte Group in SW Florida does not allow IPC.

Can I just give you cash

What IPC can be applied towards varies for VA. FHA & Conv. loans

All interested parties must agree

No, separate guidelines apply, as the federal, state, and mortgage companies each have their own regulations. A mortgage company at closing may require a buyer's signature acknowledging that they will not receive anything after closing.

Fannie Mae Guidlines

What IPC can be applied towards varies for VA. FHA & Conv. loans

This link goes directly to the Fannie Mae article on IPC, which is essential for Florida real estate buyers agent looking to understand the implications of buyer agent rebate and commission rebate in their transactions, especially when considering new construction homes.

Fannie Mae LINK

What IPC can be applied towards varies for VA. FHA & Conv. loans

The IPC can be applied towards different expenses depending on the TYPE of mortgage, whether it’s FHA, Conv., or VA. Each of these mortgage types is unique.

Real Estate With a REBATE

get 50% of the builder paid Commission credited to you at closing

Real Estate With a REBATE is what I do. 600+ Model tours

Florida's REBATE Realtor

How does a buyer broker agreement & Rebate work?

Do you have to pay a buyer agent with the new Broker agreement? NO, MUST WATCH

How does a Real Estate commission Rebate work in Florida?

How does a Real Estate commission REBATE Work in Florida?

CLICK on the Subdivision to View Model Tours in that community.

Discover the Perfect new home community for you and save thousands with my exclusive new home Realtor REBATE program.

CLICK on the Subdivision to View Model Tours in that community.

New Home buyer agent rebate to buyers as a commission credit to buyer

Get 50% of the Real Estate Commission credited to YOU

How to take advantage of my new construction Rebate program

NO TRANSACTION FEES | NO ADNINISTRATION FEES | NO FEES EVER

Limits on Real Estate commission Rebates in Florida

What is an I.P.C.

All interested parties must agree

Contribution limits

Contribution limits

All interested parties must agree

Contribution limits

All interested parties must agree

All interested parties must agree

All interested parties must agree

Can I just give you cash

What IPC can be applied towards varies for VA. FHA & Conv. loans

All interested parties must agree

Fannie Mae Guidlines

What IPC can be applied towards varies for VA. FHA & Conv. loans

What IPC can be applied towards varies for VA. FHA & Conv. loans

What IPC can be applied towards varies for VA. FHA & Conv. loans

What IPC can be applied towards varies for VA. FHA & Conv. loans

What IPC can be applied towards varies for VA. FHA & Conv. loans

James Stelmack LLC REALTOR

James Stelmack LLC

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Empire Network Realty Inc.

Mery Fernandez Managing Broker Lic # BK3294643

Empirenetworkrealty@gmail.com

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