No, we simply facilitate connections between home sellers and buyers with Real Estate Agents who
work to keep costs low.

Not exactly. When a seller lists their home, they specify the commissions for both their Listing Agent and
a Buyer’s Agent (typically 3% each, totaling 6%). If the buyer doesn’t have an agent, the Listing Agent
often receives both commissions. Although the seller pays the commission, it comes from the money
they receive from the buyer. Essentially, as the buyer, you end up covering this cost. That’s why
SmartSaverEstate offers the Buyer’s Refund, allowing you to get some of your money back. work to keep costs low.

By empowering buyers like you to take an active role in the search process. Our model supports buyers
who already have a clear idea of their target location, price range, and purchase timeline. By working
with these buyers, we offer unmatched value, guidance, and expertise. Since our buyers contribute
more to the search process, we can refund up to half of our commission toward your closing costs.

The seller typically pays a commission ranging from 2.5% to 3% of the homes purchase price for
representing you as your “Buyer’s Agent.” Instead of keeping the entire amount, we provide you with up
to 1% of the final sales price as a closing credit. New construction homes that involve no showings may
qualify for a higher refund. who already have a clear idea of their target location, price range, and purchase timeline. By working
with these buyers, we offer unmatched value, guidance, and expertise. Since our buyers contribute
more to the search process, we can refund up to half of our commission toward your closing costs.

The refund is subject to a minimum net commission of $5,000 to the Real Estate Brokerage and may decrease on a tiered basis after the first
five showings. It is also contingent on lender approval and may be restricted with certain loan products. Consult with your mortgage
professional for details on your anticipated Buyer Refund, and refer to the Terms and Conditions for comprehensive information about our
Buyer Refund.