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SECURE YOUR REALTOR REBATE TODAY
Today's home buyers do half of the work Realtors used to do in the past.
Get 50% of the Real Estate Commission credited to YOU
Real Estate With a REBATE is what I do (700 + Model tours)
Florida's REBATE Realtor and new construction specialist
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 Florida Buyer agent rebate program, which has been featured in over 700 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. CALL ME BEFORE VISITING A NEW HOME COMMUNITY TO PROTECT YOUR REALTOR REBATE + Get Builder Incentives
Why I do what i do
Every great business plan solves a problem.
- No one likes to pay closing costs.
- No one likes to pay high interest rates
- Everyone wants to save money
Florida new construction Lot and Structural option Tips
Selection a lot site selection and structural options is an extremely important Step
Choosing the right homesite and structural options is one of the most important decisions when building a new construction home in Florida. Lot selection can impact resale value, privacy, drainage, flood-zone requirements, future development, and even long-term insurance costs, while structural options—such as elevation changes, extended lanais, impact-rated windows, or additional living space—must be decided early and cannot be easily changed later. Making informed choices upfront helps ensure your home fits both your lifestyle and Florida’s climate while protecting long-term value. As a full-service new construction buyer’s agent, I also offer my Florida buyers a realtor commission credit at closing, which can be used to help offset structural upgrades, closing costs, or prepaid expenses.
Florida new construction & new home orientation
NEW HOME CONSTRUCTION PROCESS AND ORIENTATION
As a new construction home approaches completion, the new home orientation—often referred to as the builder or blue-tape walk-through—is a critical step before closing. This walkthrough allows buyers to inspect workmanship, review installed options, test major systems, and document any items that need attention prior to closing. I provide full-service buyer representation throughout the entire new construction process, including guidance during the new home orientation . In addition to comprehensive service, I contribute 50% of my commission back to my buyers at closing, shown as a real estate commission credit on the settlement statement to help offset closing costs or prepaids and or lower your interest Rate.
CLICK on the Subdivision to View Model Tours in that community.
CLICK on the Subdivision to View Model Tours in that community.
CLICK on the Subdivision to View Model Tours in that community.
CLICK on the Subdivision to View Model Tours in that community.
CLICK on the Subdivision to View Model Tours in that community.
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.
New Home buyer agent rebate to buyers as a commission credit at closing
How does a buyer broker agreement & Rebate work?
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
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 to take advantage of my new construction Rebate program.
First you need to call
Get 50% of the Real Estate Commission credited to YOU
Get 50% of the Real Estate Commission credited to YOU
Get 50% of the Real Estate Commission credited to YOU
Get 50% of the Real Estate Commission credited to YOU
Get 50% of the Real Estate Commission credited to YOU
Get 50% of the Real Estate Commission credited to YOU
My Blog
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, commonly known as a third party contribution or Interested Party Contribution (I.P.C.), serves as a valuable resource for Florida Real Estate buyers. This rebate applies in transactions involving a buyer agent rebate or commission rebate, enabling buyers to benefit from contributions made by those with a financial interest in the transaction, such as a Florida realtor, builder-seller, or mortgage company. Additionally, this can be especially advantageous for those looking into new construction homes.
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 instance, if you are putting 9% down on a Conventional loan, the IPC limit is 3% from all parties involved, including your Florida realtor or buyer agent rebate. If you're 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, especially when looking at new construction homes or exploring commission rebate options.
All interested parties must agree
All interested parties must agree
All interested parties must agree
All interested parties must agree to The IPC. For instance, some builders, like GL Homes, do not allow third-party contributions, which can affect the potential for a buyer agent rebate. Additionally, certain builders impose restrictions on these contributions in specific divisions; for example, the Pulte Group in SW Florida does not permit IPC, which may influence Florida real estate buyers agent options and commission rebate possibilities for those looking at new construction homes.
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 Florida realtor or mortgage company at closing may require a buyer's signature acknowledging that they will not receive anything after closing. Additionally, for Florida real estate buyers agent scenarios, it's important to understand that a buyer agent rebate may be available, particularly in new construction homes, but specific conditions will apply.
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
This link goes directly to the Fannie Mae article on IPC, which is essential for Florida real estate buyers agents looking to understand the implications of buyer agent rebate and commission rebate in their transactions, particularly when considering new construction homes.
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
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. Additionally, Florida Real Estate buyers agents can help clients understand the potential for a commission rebate, especially when purchasing new construction homes.
James Stelmack LLC REALTOR
James Stelmack LLC
Call 321-287-8263 CELL for information on how you can benefit from a buyer agent rebate when purchasing new construction homes. Reach out at RealEstateWithaREBATE@gmail.com to connect with a Florida realtor who specializes in helping Florida real estate buyers agents maximize their savings through commission rebates.
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2295 S. Hiawassee Road, 409 Orlando, FL, 32835
Empire Network Realty Inc.
Mery Fernandez Managing Broker Lic # BK3294643
