No fluff. Just straight answers to the things buyers want to know before they call us.
It's real. There's no hidden fee, no bait-and-switch, and no fine print that takes it away. This program started because Rusty Boshard treats people well. A neighbor mentioned they were moving. Then their kid. Then their friends. Moving is stressful and expensive, and Rusty knew that — whenever he had the chance to make it a little easier, he did. Before long, helping a few people turned into helping a lot of people. The rebate was always there — now it's just official.
The honest version of the business model: we make less per deal, we do more deals, and we build a reputation on volume and happy buyers. That's it. The rebate is written into your buyer agreement from day one so it's legally binding — not just a promise.
It depends on two things: the purchase price and the commission the seller is offering. Here are some real examples:
$400,000 home at 3% commission → we earn $12,000 → you get $6,000 back.
$600,000 home at 3% commission → we earn $18,000 → you get $9,000 back.
$500,000 home at 2.5% commission → we earn $12,500 → you get $6,250 back.
Whatever we earn, you get half. Always.
Both, in most cases. The rebate is applied first as a credit toward your closing costs at settlement — this reduces the cash you need to bring to closing and is the most tax-efficient way to receive it. Your lender approves this credit, which they typically do without issue.
If the rebate is larger than your closing costs, or if your lender can't apply the full amount, the remaining balance comes to you as a check after closing.
The credit shows up on your Closing Disclosure — the official settlement document. Everything is fully transparent and documented.
Generally, no. The IRS has historically treated buyer rebates as a reduction in the purchase price of the home rather than taxable income. That said, tax situations vary, and we're real estate agents — not CPAs. We'd always recommend checking with your accountant on your specific situation.
Yes — with one honest note about how we work best. We're great communicators, we show up, and we'll guide you from offer to close. But we work best with buyers who are proactively searching on their own through Zillow, Realtor.com, or the MLS. You find homes you love, we take it from there.
Think of it less like a personal shopper and more like having a sharp agent in your corner the moment you're ready to move. We handle offers, negotiations, inspections, appraisals, lender coordination, title, and everything through closing day.
We don't cut corners because our business runs on referrals. Every buyer we work with is a potential source of five more — we have every reason to make sure you're happy.
No. Every buyer we represent gets the same level of attention and advocacy — the rebate is part of our fee structure, not a discount tier. We don't have a "full price" client who gets better service.
That said, we work best with buyers who are ready to move. If you're in early research mode and not sure if you want to buy in the next six months, that's totally fine — just know that we're at our best when you're ready to go.
You get to pick. Our team is Rusty Boshard (our broker), Campbell Wright, and Todd Ashman. All three do buyer deals. On your first call we'll introduce you to whoever makes the most sense for your area and situation — but ultimately you choose who you work with. You'll have one consistent point of contact from start to close.
Since the NAR settlement took effect in August 2024, sellers are no longer required to advertise buyer's agent compensation on the MLS. Most Utah sellers still offer it — but not all.
We won't leave you in the dark. If a seller isn't offering commission, we'll talk through your options before you make any decisions: requesting compensation as part of your offer, asking for a seller concession, or structuring things another way. Every situation is different and we'll work through it with you transparently.
In a worst-case scenario where no compensation can be structured into the deal, we may need to charge a minimum commission — but that's a conversation, not a surprise. We'll discuss it openly on a call before you're ever committed to anything.
No. The rebate is unconditional — it has nothing to do with which lender you use. You're free to shop around and use whoever gives you the best rate and terms. We'll never pressure you toward a specific lender to get your rebate.
We do work with some great lenders and are happy to make introductions if you'd like a recommendation, but that's entirely your call.
As of August 2024, federal law requires all buyer's agents to have a written agreement with buyers before showing homes. Every agent in the country is required to have one now — not just us.
Ours clearly states our commission rate, your 50% rebate, and the terms of our working relationship. We'll walk you through it on your first call. It's designed to protect you, not trap you — and it makes the rebate legally binding rather than just a handshake.
The written agreement is actually good news for you. It means the rebate is in writing and enforceable — not just something we said on a call.
Absolutely — in fact, first-time buyers are often the ones who benefit most from the rebate since closing costs can be a significant hurdle. We'll walk you through the entire process and make sure you understand what's happening at every step.
Just come ready to engage. The buyers we work best with — first-time or not — are the ones who are motivated and communicative. We'll do our part if you do yours.
Yes — and this is important, so please read carefully. With new construction, the builder's sales rep works for the builder, not for you. Having your own agent costs you nothing and gives you someone in your corner during the process.
The critical thing: in almost every case, we need to be with you the very first time you walk into a model home or register with a builder. If you visit without us first, the builder may not allow us to represent you on that transaction — and you'd lose both our representation and your rebate.
Thinking about new construction? Talk to us before you visit any model homes. One quick call is all it takes to make sure you're protected.
Our deepest roots are in Utah County — that's where we have the most experience and market knowledge. We also work extensively in Salt Lake County and do deals in Davis County as well. If you're buying somewhere in that corridor, you're in good hands.
Buying somewhere outside those areas? Reach out and we'll be honest with you about whether we're the right fit.
Yes. Buyer rebates are explicitly permitted under federal law (HUD policy) and under Utah state law. An agent rebating part of their commission to their own client is not a RESPA violation — it's simply a discount to the party you represent.
Utah is a rebate-permissive state, and The Broker is a fully licensed Utah brokerage. The rebate is disclosed to all parties and appears on the Closing Disclosure.
Most lenders approve rebate credits without issue — it's a standard practice and shows up on the Closing Disclosure like any other credit. In rare cases where a lender limits the credit amount, the remaining balance simply comes to you as a check after closing. You won't lose any part of your rebate.
When applied as a closing cost credit, the rebate reduces what you bring to the table at closing — it doesn't affect your loan amount or down payment directly. Lenders do have limits on how much total credit a buyer can receive, so in some cases the full amount can't be applied. Any excess comes as a check after closing regardless.
Your lender will be looped in during the transaction and will account for the credit on your Closing Disclosure. It's a routine part of how we structure our deals.
We handle that too. The Broker Split is built around saving buyers money — but on the listing side, the goal flips entirely: we're focused on getting you top dollar. Full-service representation, professional photography, strategic pricing, and negotiation that works in your favor.
Campbell and Todd both handle listings. If you're selling your current home and buying your next one with us, you get the best of both sides — listing expertise on the sell, and your rebate on the buy.
Yes. The rebate is on the buy side only — it applies to the buyer's agent commission we receive when you purchase your next home. It's completely separate from your listing agreement and unaffected by it. You'd get full listing representation on the sell side and your 50% rebate on the buy side.
Book a free 15-minute call and ask us directly. We'd rather answer your questions upfront than have you second-guess yourself later.