Welcome to the Era of “BYO-Commission”

For decades, homebuyers got to enjoy one of the sweetest deals in real estate: having a pro in their corner—for “free.”

Okay, it was never really free, but traditionally, the seller covered both their agent and the buyer’s agent, leaving the buyer with top-tier advice at no direct cost.

But thanks to recent legal drama (cue the courtroom montage), the National Association of Realtors (NAR) reached a proposed settlement with the Department of Justice that could shift that model. The most likely outcome? Buyers may soon have to pay their own agent.

Before you panic—or Venmo your agent a tip “just in case”—take a breath. Nothing is finalized yet, but change is definitely in the air.

So if you're house-hunting in 2025 or beyond, it’s time to get strategic. Interviewing a real estate agent is no longer just about vibes — it’s about value.

Here are 7 key questions to ask a Realtor before you start working together in this brave new commission-paying world.

1. How Do You Charge for Your Services?

This is the big one. Ask it like you’re ordering coffee: confidently and with full knowledge that it could cost $5… or $15 depending on how fancy it gets.

🔎 Do they charge:

• A flat fee (e.g., $5,000 no matter the house)?

• A percentage of the sale price (e.g., 2.5%-3%)?

• Or something more à la carte — like $50 every time they unlock a door?

Some agents may even combine pricing models or offer custom packages. The key is to understand it all up front, not halfway through a house tour when they mention a “drive-time surcharge.”

2. When Do I Need to Pay You?

Spoiler: you probably don’t want to pay your agent at the same time you’re also coughing up closing costs, insurance premiums, moving truck deposits, and 87 rolls of bubble wrap.

That’s why it’s critical to ask when the bill comes due.

Will you pay:

• Upfront as a retainer?

• At closing, like traditional commissions?

• Per milestone (e.g., when submitting an offer)?

Also ask if their fee is contingent on closing, or if you're on the hook even if your deal falls through because you bailed on that “adorable fixer-upper” that turned out to be 72% black mold.

3. What Happens If the Seller Offers to Pay Your Fee?

Here’s where things get spicy 🌶️.

Even under the proposed rule changes, sellers can still choose to cover the buyer’s agent commission—they just can't advertise it on the MLS.

So ask your agent if:

• They’ll still try to negotiate seller-paid commission.

• You’ll get a credit or refund if that happens.

• They’ll reduce your fee accordingly if someone else picks up the tab.

It’s your money — don’t be afraid to double-dip if someone else is willing to foot the bill.

4. What Services Are Included in Your Fee?

Imagine booking a vacation that includes airfare and hotel… but surprise! Luggage and Wi-Fi are extra. 🧳💸

Agents may start offering tiered service models — so it’s vital to know what’s included. Some agents offer:

• Full-service (showings, contracts, inspections, negotiations, emotional support)

• Virtual or “paperwork-only” help

• A hybrid model (they help you and expect you to bring your own flashlight to the basement tour)

Clarify upfront if they’ll:

• Schedule and attend showings?

• Write and submit offers?

• Guide you through inspections and repairs?

• Help negotiate tricky contract terms?

• Be available on weekends (or only on days that don’t end in “y”)?

5. Is Your Fee Fixed, or Will It Change Based on the Number of Homes I See?

Let’s say you’re the Goldilocks of real estate — every house is too small, too big, or haunted.

Ask whether your agent:

• Charges more after a certain number of tours or offers

• Has limits on how many showings they’ll attend before billing extra

• Charges hourly or per-service rates after a set time

While most agents understand that home shopping takes time, some may implement time-based fees to protect their schedule — especially if buyers aren’t super serious yet.

Think of it like dating — nobody wants to commit to 14 dinner dates before realizing it’s not a match.

6. Can We Negotiate Your Commission?

Yes, you can ask this. And no, it doesn’t make you a jerk.

Many agents are open to discussing their fee structure, especially if:

• You’re buying a higher-priced home (and their percentage nets more $$$)

• You’ve already done much of the legwork (e.g., you found the house yourself)

• You’re a repeat or referral client

• You’re also selling a home and plan to use them on both transactions

Negotiation isn’t guaranteed, but in the new era of commission transparency, it’s completely acceptable to ask.

Just don’t start the conversation with “Hey Alexa, find me a cheaper agent.”

7. Will We Sign a Buyer Representation Agreement? What Are the Terms?

The DOJ/NAR settlement includes mandatory written agreements between buyers and agents.

These contracts outline:

• Your agent’s duties

• How long you’re committed to them

• How they’ll be paid (and by whom)

• What happens if you ghost them mid-process (yes, that’s a thing)

Before signing, make sure you:

✅ Understand cancellation clauses
✅ Know whether it’s exclusive (you can’t work with multiple agents)
✅ Are clear on how long the agreement lasts

And if you do ghost your agent, at least send a “Thanks but I’m buying from my cousin’s friend instead” text. It’s the least you can do.

Final Thoughts: Don't Just Hire — Interview

Buying a home in 2025 may come with more upfront costs — but it also comes with more transparency.

The days of casually using five agents before choosing your “favorite” may be over. With contracts, commission disclosure, and real money on the line, it’s time to treat hiring a Realtor like hiring a financial advisor or attorney.

Ask questions. Know what you’re paying for. Get it in writing.

And hey — if you’re going to spend thousands on someone helping you buy a house, they should at least be someone you trust, like, and maybe wouldn’t mind grabbing a celebratory taco with.