The New Buyer Agreements: What You’re Signing and Why It Protects You
Quick pulse (today): 30-yr fixed averaged ~6.22% this week. Denver’s median sale price is about $614K, and listings are taking ~45 days—still enough runway to negotiate concessions. Translation: you can often swap a small price cut for targeted credits that lower your early payments or closing costs.
What’s new for buyers: Before touring, you’ll sign a written Buyer-Broker Agreement that spells out (in plain English) your agent’s services, how they’re paid, and the exact amount or formula—no open-ended blanks. Compensation is fully negotiable between you and your broker. Sellers can still offer concessions (think: closing costs or a rate buydown), and off-MLS negotiations about agent pay are allowed—but the MLS itself no longer shows offers of compensation.
Why this protects you:
Clarity up front—no surprises at closing.
You choose fee style: flat, % of price, or capped—whatever fits your budget.
You can direct seller credits toward your actual costs (rate buydown, prepaids, inspection items) instead of chasing headline price cuts.
Andy’s tip: On homes sitting 30–70 days, ask first for seller credits that (1) cover your closing costs and (2) fund a 2-1 buydown; then use inspection leverage for roof/sewer/HVAC. Lock a payment you can live with and treat any future refi as a bonus, not a plan.
— Andy | Your Denver neighbor + data-driven Realtor®
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