Semya-Moya, Author at Semya-Moya

Do Sellers Pay Buyer's Agent Commission?

Semya-Moya — Sun, 26 Nov 2023 14:11:49 +0000

You did some serious hunting and scored the perfect house. Now it's time to sort out the payments.

Despite your late-night Google searches, you're still unclear how it's all going to work out. Who pays the real estate agent? This is a very common question.

To fully understand who pays real estate commissions — whether it's the sellers, buyers, or both — you first must take a look at how real estate agents are getting paid and how they share cooperating commissions.

How Real Estate Commissions Work

Real estate commission fees are how most real estate agents are paid for the homes they sell.

These agents work for a real estate broker, so all fees paid to the real estate agent pass through this broker. Only a real estate broker can pay the real estate commission and sign a listing agreement with a seller.

On average, buyer's agents are paid around 2.65% of the final sale price of a home. The seller is usually responsible for paying this fee.

Realtor commission changes may be coming

A November 2023 lawsuit found the National Association of Realtors (NAR), Homeservices of America, and Keller Williams Realty guilty of misleading sellers into paying inflated realtor commissions.

Traditionally, the seller pays the entire 5-6% commission, which is then split between the seller's and buyer's agent. The lawsuit argued that this system burdens sellers with the cost of paying the buyer's agent, who may not represent their best interests.

However, the ruling indicates a potential shift in this practice and suggests that buyers might soon be the ones paying their agents' commissions.

While immediate changes to realtor commissions are not expected, we will keep an eye on developments and update our content as needed.

» READ MORE:

Is it the Buyer Who Pays?

If you're buying a home, you're probably off the hook for paying the real estate agent commission. The home seller covers the commission fee for both the seller's and the buyer's agent. However, that doesn't mean that there is no cost to the buyer. Sellers sometimes account the fee they'll be paying by including them in their listing price.

The seller then is not obligated to compensate the listing broker for more than the listing side or portion of the commission. Reduced listing prices often reflect the amount the buyer is paying. Sellers can also credit the buyer the commission and the buyer, in turn, credits the brokerage.

Is it the Seller Who Pays?

When the sellers set the listing price for the home, they usually take the agent's commission into account. It's just the cost of doing business. Under a Buyer's Broker agreement, the named brokerage and agent represent the buyer. The seller most commonly pays the fee paid to the broker. Some Buyer Broker agreements contain clauses that will compensate the brokerage for the fee if it is less than the amount paid by the seller.

The home seller usually picks up this tab. Typically, the seller pays the fee at the settlement table at the time of sale, where the total is subtracted from the proceeds of the home sale.

Who is Really Paying?

You can argue the buyer always pays the commission. Why? Because it's part of the sale price. If the seller did not sign an agreement to pay the commission, the sale price might decline.

Whether you're a buyer or a seller, the listing price is not the only number you should consider. Fees outside the cost of the house can add up, and you don't want to be hit with surprises later in the game. If the closing costs are a little bit steep, and the seller won't chip in as much as the buyer would like, the buyer can request to roll the closing costs into the mortgage.

It's tough to know who is responsible for paying commission. Before you start pointing fingers, consult Clever. Whether buying or selling, Clever's flat-fee, full services agents will help you through the process. Call us today at 1-833-2-CLEVER or fill out our online form to get started.

What Is Rocket Homes? (The Ultimate Guide)

Semya-Moya — Sat, 04 Nov 2023 03:14:38 +0000

Should I use Rocket Homes? | How Rocket Homes works | Find a real estate agent near me today

What is Rocket Homes?

Rocket Homes is a real estate company that connects home buyers and sellers to real estate agents and buyers to mortgage lenders. The agents then handle the property searches and transactions, and Rocket Mortgage (or another mortgage lender) handles the financing.

On the surface, Rocket Homes looks like an all-inclusive site for home buying and selling. But it’s mostly an agent referral service that also offers a financing tool through Quicken Loans and a large database of property listings.

The main benefit of Rocket Homes is convenience. It simplifies the process for real estate transactions, but users still pay full realtor commissions.

Rocket Homes was previously In-House Realty, a Detroit-based fintech real estate company. It was acquired by the mortgage giant Quicken Loans and rebranded as Rocket Homes.

Our advice on using Rocket Homes

Rocket Homes is a convenient choice if you want several real estate services through the same company and don't mind paying full price for an agent. The company has solid vetting criteria for its agents, so there's a good chance you'll find a qualified agent.

However, if you're hoping to save money on realtor commission, Rocket Homes doesn't offer any cost savings.

Since agent matching services like Rocket Homes are free, we recommend signing up for multiple services to see which platform gets you the best agent.

For example, Semya-Moya can match you with top-performing agents from reputable brokerages like Keller Williams and Century 21. But unlike Rocket Mortgage, Clever pre-negotiates a 1.5% listing fee, so you can work with a high-quality agent and save thousands of dollars on your home sale.

If you don't like the agents Clever recommends, you can request more agent matches or walk away at any time — there's no obligation to move forward.

Start comparing top local agents for free!

How good are Rocket Homes agents?

To become a Rocket Homes Partner Agent, agents have to meet some fairly strict guidelines. They must:

Work for an eligible real estate brokerage
Have at least 2 years of experience as a full-time real estate agent
Have at least 8 completed transactions in the previous 12 months

Once an agent becomes a Rocket Homes Partner Agent, they must maintain a rating of 4.5/5 stars.

What benefits does Rocket Homes offer?

The main advantage of Rocket companies is convenience. Its website allows users to connect with agents, acquire financing, and browse properties all in one place. This is appealing to users who are intimidated by the long, complex home-buying process.

What are the drawbacks of using Rocket Homes?

Rocket Homes is owned by Quicken Loans, and users are encouraged to use the sister company Rocket Mortgage. But buyers need to do their own due diligence to ensure they get the best deal on their mortgage. Even a half-point of interest can equal tens of thousands of dollars over the term of a mortgage.

Additionally, Rocket Homes doesn’t offer any financial incentive to users. Sellers who go through Rocket Homes can expect to pay a full commission of 5–6% (a 2.5–3% listing fee and a 2.5–3% buyer's agent fee).

How does Rocket Homes work?

Finding an agent with Rocket Homes real estate is fairly straightforward. Users sign up through the Rocket Homes website or by calling a toll-free number.

Depending on your needs and location, Rocket Homes connects you with one of its local Partner Agents within one business day. If that agent doesn’t work out for any reason, Rocket Homes connects you with a different agent, free of charge.

Rocket Homes doesn’t charge buyers or sellers a fee for its services. Instead, it generates revenue by referring clients to its Partner Agents and taking a percentage of the commission.

Selling with Rocket Homes

If you contact Rocket Homes as a seller, the company puts you in touch with a local agent. That agent lists your home on your local multiple listing service (MLS), and your property is automatically syndicated to the Rocket Homes website.

Rocket Homes is free to use. But you still have to pay a total realtor commission of 6% unless you negotiate a lower rate. The company provides convenience, but it doesn't offer sellers a discount or financial incentive.

Buying with Rocket Homes

As a buyer, Rocket Homes helps you assess your financial situation and apply for financing.

After contacting Rocket Homes, you go through the mortgage pre-approval process. The process includes an open assessment of your finances and assets, which leads to a pre-approval letter for a home loan of a specific size.

Rocket Homes might encourage you to get financing through its in-house mortgage lender, Rocket Mortgage, but you're not required to.

Once you're pre-approved, the company refers you to a Rocket Homes Partner Agent, who helps you find the right home. When you make an offer on a property, your pre-approval should help you get serious consideration from the seller and speed up the entire transaction.

Locations

Rocket Homes is available in all 50 states.

Next steps: Talk to a real estate expert

If you’re looking to buy or sell a house and weighing your options, Clever can help!

Our fully licensed Concierge Team is standing by to answer your questions. They offer free, objective advice about how to sell or buy your next home, based on your specific goals and situation.

Give us a call at 1-833-2-CLEVER, or contact us via the form below.

Ready to get started?

Enter your basic info below. Our Concierge Team will be in touch shortly to answer your questions, offer advice, and match you with top-rated agents in your area. Remember, this service is 100% free and there's no obligation!

Rocket Homes FAQ

Is Rocket Homes owned by Quicken?

Rocket Homes was formerly In-House Realty, but it was acquired by Quicken and rebranded as Rocket Homes in late 2018. Rocket Homes is essentially an agent referral network, but because of its affiliation with Quicken, users also get help with the mortgage pre-approval process.

Can FSBO sellers list on Rocket Homes?

Rocket Homes is mainly an agent referral business, meaning it makes most of its money by connecting sellers with agents. A free FSBO listing wouldn’t benefit Rocket Homes or its Partner Agents.

Furthermore, a listing has to be on the MLS to be syndicated to Rocket Homes, and a FSBO seller can't get their property on the MLS themselves. Learn more about FSBO listings.

How can real estate agents partner with Rocket Homes?

To become a Partner Agent with Rocket Homes, an agent has to meet certain criteria. They must work for an eligible real estate brokerage, have at least two years of experience as a full-time real estate agent, and have eight completed transactions in the previous year.

Once Rocket Homes accepts an agent into its partner network, the agent must maintain a 4.5/5 star rating, and they must meet the Rocket Homes general conduct standards.

The post What Is Rocket Homes? (The Ultimate Guide) appeared first on Semya-Moya.

How Long Does it Take to Get a Mortgage Pre-Approval? (2023 Update)

Semya-Moya — Tue, 31 Oct 2023 21:35:00 +0000

How long does pre-approval last? | Can you be denied a loan after pre-approval? | Speeding up pre-approval | Why you need a mortgage pre-approval

It can take anywhere from five to 10 days to secure a mortgage pre-approval. A straightforward application may be approved in three to five days, while a more complicated situation could take two weeks or longer.

How long it takes to get a mortgage pre-approval depends on how fast you and your lender can gather and evaluate your financial documents. Approval is based on your gross monthly income, debt payments, assets, credit reports, and employment history.

Getting a mortgage pre-approval letter provides you with a home buying budget and shows sellers you’re serious about buying.

How long does a mortgage pre-approval last?

A mortgage pre-approval is usually good for 90 days, though some lenders can issue them for 30 to 60 days. The expiration date will be in your pre-approval letter, along with other terms and conditions, like how much you’re approved to borrow and your interest rate.

Mortgage pre-approvals expire because your financial situation can change within the approval window. For example:

You could open a new credit card, which could lead to a lower credit score.
Your job or level of debt compared to income could change.
Mortgage rates might have fluctuated, so the rate you were quoted initially could affect your final approved amount.

Maintain communication with your lender. If your mortgage pre-approval expires before you make an offer on a house, you’ll need to apply again. And you might need to provide updated documents or resubmit the necessary paperwork.

Can you be denied a loan after getting a mortgage pre-approval?

Yes, you can be denied a loan after getting a mortgage pre-approval if your financial situation — your credit score, income, debt level, etc. — changes significantly between applying for pre-approval and officially getting approved.

If possible, try not to make large financial decisions or purchases during your pre-approval window.

How to speed up mortgage pre-approval

1. Gather documents early

Collect all your documents in one place so you can submit your application faster. Most lenders will ask you for documentation to verify:

Identification — such as driver’s license or Social Security card, as well as a list of recent (last two years) addresses and time of occupancy at each
Income — tax returns, including W-2s from the past 2 years
Employment — a written letter or contact information from employers
Assets — bank statements from past 2–3 months as well as investment or retirement accounts, such as 401(k)s, IRAs, or mutual funds

Liabilities — loan statements from previous 2 months, including for student debt, car payments, and credit cards
Down payment funds, in which case you may also need a down payment gift letter to prove the funds were not a loan from someone who has a stake in the home purchase

Other information to have handy

Estimated price of the property. You’ll want to know an estimate of how much you can afford. Be sure to ask your lender what the minimum down payment required is.

Type and purpose of the property — i.e., whether this will be your primary residence, a secondary home, or an investment property. Lenders will have different rates and requirements for different property types.

Your debt level. A lender will check that your debt (mortgage payment, car or student loans, etc) makes up no more than 36% of your total pre-tax income.

2. Choose a mortgage lender that's fast

Lenders that can easily upload documents, accept e-signatures, and other technology to cut down on time may be faster. They may also be able to improve their customer service and be more readily accessible for support throughout the process.

Ask mortgage lenders directly about how long it takes for them to grant pre-approval.

If you're trying to find a good lender online, check reviews and ratings from past customers on Google, Facebook, Better Business Bureau. Good lenders should have visible proof (such as a decent amount of positive ratings). Look specifically for comments about speed and customer service.

Asking someone you trust — such as friends, family, or realtor — for lender recommendations can lead you to a quality lender.

Why you need a mortgage pre-approval

Getting pre-approved establishes financial certainty for both you and home sellers. We highly recommend getting a mortgage pre-approval to help set a realistic budget and show sellers that you’re serious about buying.

Pre-approval involves setting a specific budget for your home purchase, which makes shopping and comparing potential homes with realtors easier. Some sellers may even ask for pre-approval before agreeing to show their home.

Pre-approval increases credibility with the seller because it indicates you'll qualify to buy property (pending an appraisal, contingencies, and final underwriting).

Don’t panic if your credit score drops during a mortgage pre-approval check!

Ultimately, the impact of checking your credit will be minimal, compared with how much you save by getting the best deal from a lender.

When lenders check your credit — often called a "hard credit inquiry" — you can expect your credit score to drop by up to five points.

However, lenders can see the credit checks run by other lenders, so any additional checks that fall within the pre-approval window will still count as a single inquiry.

Unlike pre-qualification, pre-approval is a deep dive into your finances BEFORE you put an offer on a home. And although getting a pre-approval doesn’t guarantee you'll immediately make an offer, it gives a clear indication that you are ready to buy.

Privacy Policy

Semya-Moya — Tue, 22 Aug 2023 17:59:39 +0000

Introduction

It is our goal to respect the privacy of each user of this website (referred to herein as “you” or “user”). This Privacy Statement (“Policy”) describes how information is collected, used, and disclosed by Semya-Moya, Inc. (“Clever”), when you use our websites, mobile applications, and other online products and services (collectively, “Services”) or otherwise interact with us.

BY REGISTERING FOR OR USING THIS WEBSITE, YOU ACCEPT AND AGREE TO BE BOUND BY THIS POLICY. IF YOU DO NOT AGREE TO THIS POLICY, YOU CEASE AND DESIST ALL USE OF THIS WEBSITE IMMEDIATELY. Clever reserves the right to modify this Policy from time to time by posting a notice on the Website's home page or any other reasonable means. Your use of the Website after the date of the last modification listed at the beginning of this Policy indicates acceptance of, and agreement to, any changes made.

Information You Provide to Us

When using this Website, you may be asked to provide personal information about yourself, including but not limited to your name, contact information (i.e., email address, physical address, telephone number), details about a home you are selling or interested in selling or an area in which you are looking to buy (i.e., address, neighborhood criteria, price range, etc.), and in some cases payment or financial information. You may also provide information about a third party through the Website or through other mediums, for example, if you share information on behalf of a friend or relative with one of our sales representatives. We may combine information that you provide to us directly with other information we collect from your interaction with the Website or from other companies. Clever may collect and store any such information for its own internal use and purposes, including but not limited to providing such information to any of its partners in providing the services referenced on this Website.

Automatically Collected Information

Pages on this Website may also include web beacons or pixels, which are used to count visits to individual pages of the website, to track activity over time, to track whether and how users have interacted with emails we send, or to gather other information about your devices or your interactions with the Website. Information collected this way may be combined with other information you provide or that Clever collects about you, which may include but is not limited to your individual browser, device type, login information, access times, operating system, Internet Service Provider, or IP address. You may determine what information Clever accesses from a mobile device or mobile browser by adjusting the related settings on your device. Refer to your device or mobile service provider's instructions for details about how to accomplish this.

For devices that enable location services, Clever may collect the location of your device, which may be used to provide you information and advertising based on your location. This feature can be deactivated by disabling location services on your device.

Clever uses multiple technologies to track phone calls and text messages made between you and the Company's representatives so that we can record when you communicated with us, access certain details about your inquiries and communications, and provide better customer service. As part of this process, Clever will receive in real time and store data about your call or text message, including the date and time of the call or text message, your phone number, and the contents of the text message.

This Website may include Social Media Features, such as the Facebook Like button, the Twitter Tweet button and other social sharing buttons or interactive mini-programs. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on this Website. Your interactions with these features are governed by the privacy policy of the company providing the same.

A cookie is a small data file, often including an anonymous unique identifier that is sent from a web Website's computer and stored on your computer's hard drive. Use of cookies is common on the Internet. A web Website can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser permits a web Website to access only the cookies it has already sent to you, not the cookies sent to you by other Websites. You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent. (Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.) You can reset your browser to refuse all cookies or indicate when a cookie is being sent. But if you refuse cookies, some parts of the Website may not function properly and may not provide services or information you have requested.

Third Parties, with whom we partner to provide certain features on this Website, provide services, or to display advertising based upon your Web browsing activity, may also use, collect, and store information.

Use of Information

You expressly consent to Clever's use of the information provided on this Website to:

(A) Provide, improve, and maintain our services and provide you with the services that you request;

(B) Provide you with periodic industry updates, if you so choose;

(D) Refer you our partners or sales associates who may provide you with services

(E) Communicate with you about our Services and any other events, news or information about Clever and its partners;

(F) Monitor and analyze trends, usage, and activities in connection with our Services;

(G) Personalize and improve the Services and provide content, features, or advertisements that match your interests and preferences; and

(H) Link or combine with other information we get from third parties to help understand your needs and provide you with better service.

(I) Communicate directly with you, including autodialed phone calls, text messages, and prerecorded messages from Clever and its partners, on any landline or cell phone number provided to Clever, even if such number is on a Do Not Call list and even if charges are incurred for the call or text. You understand that consent to receiving such communications is not a condition of receiving Clever's services and that you can call 1-833-2-CLEVER for services should you choose not to receive such communications.

Clever's partners may use cookies, web beacons, SDKs, and other technologies to identify your device when you use this Website. We use Google Analytics and other such tracking mechanisms to collect information about the use of this Website. More information on Google Analytics — including how you can control the information sent to Google — can be found here: www.google.com/policies/privacy/partners/

Users may provide some Personal Information directly to Agents who are providing Services. Agents are third parties who are not our contractors, employees or agents, and we do not supervise, direct, or control any Agent's provision of Services. Accordingly, while Agents are contractually obligated to comply with this policy in their storage, use and disclosure of any Personal Information that you provide to them, we do not guarantee that Agents will always comply with their obligations.

The Website is hosted by servers in the United States. If you are located outside of the United States, you're the Information you provide will be transferred to the United States. By submitting the Information, you consent to its transfer to the United States and to its storage, processing, and use there in accordance with this Policy.

Sharing Your Information

By using this Website, you agree that we may share the Information you provide with our affiliated companies and partners, as permitted by law, in order to fulfill our commitment of providing you with the Services referenced on the Website. We may share the Information you provide under the following circumstances:

(A) Third party vendors we engage to provide services on our behalf, such as hosting, web-Website development, and support, have access to the Information, but have agreed not to the Information or to use it for any purpose other than providing the requested services.

(B) To enforce this Privacy Statement or any other part of our terms and conditions to protect our property or rights;

(D) To investigate, prevent, or take action regarding illegal or improper activities;

(E) To carry out a merger or consolidation with another entity, a sale or transfer of some or all of our assets, or any similar transaction;

(F) For other reasons we determine in good faith are necessary, appropriate, or required by law, such as when we respond to subpoenas, court orders, or other legal or administrative process

(G) Upon obtaining your consent to do so

This Website contains links to third-party web Websites, including a mortgage company, our partners, and advertisers. If you hold your mouse over a link, it will indicate whether clicking the link will send you off our Website. When you click on those links, you will go to a third-party Website where you will be subject to that Website's privacy statement and we encourage you to read that policy statement. Clever shall not be responsible for the privacy practices of any other Websites and we expressly disclaim any liability for their actions, including actions relating to the use and disclosure of Information by those third parties. We do not sell your personal information to third parties. Clever may also share aggregated or anonymized information that does not directly identify you.

Security

Clever's Website hosting service provider maintains its systems in accordance with reasonable industry standards to reasonably secure the information of Clever and Users of this Website. No data transmission over the Internet, however, can be guaranteed to be 100% secure. You agree to use this Website at your own risk. If you have questions about security on our Web site, you can contact us at support@listwithclever.com

If Your Information Changes

If your Information changes or if you no longer wish to use the Website, you may correct or update your Information or unsubscribe from any industry updates you have requested by modifying or deleting your profile on the Website, writing to customer service at:

Semya-Moya
6358 Delmar Blvd Suite 300
St. Louis MO 63130

or by emailing: support@listwithclever.com

California Law

Under California law, California residents have the right to request in writing from businesses with whom they have an established business relationship (1) a list of categories of personal information, such as name, address, e-mail address, and the type of services provided to the customer, that a business has disclosed to third parties [including affiliates that are separate legal entities]during the immediately preceding calendar year for the third parties' direct marketing purposes and (2) the names and addresses of all such third parties. To request the above information please contact us by writing to the contact address below.

Contact Us

If you have any questions or concerns about this Policy, please contact us at

Semya-Moya
6358 Delmar Blvd Suite 300
Saint Louis, MO 63130

or by emailing support@listwithclever.com

The post Privacy Policy appeared first on Semya-Moya.

Terms & Conditions

Semya-Moya — Tue, 22 Aug 2023 17:53:33 +0000

Effective Date: Feb 28, 2021

Last Updated: Feb 28, 2021

General Provisions:

ListWithClever.com

DISCLAIMER TO HOMEOWNERS AND BUYERS BY USING THIS SERVICE, YOU UNDERSTAND AND AGREE THAT THE COMPANY IS NOT REPRESENTING YOU AS A REAL ESTATE AGENT OR BROKER OR PROPERTY MANAGER. ALSO BY USING THIS SERVICE, YOU MAY COME INTO CONTACT WITH OR USE THE SERVICES OF VARIOUS REAL ESTATE AGENTS OR BROKERS, VENDORS, ADVERTISERS OR OTHER THIRD PARTIES. THE COMPANY IS AN INDEPENDENT WEB-BASED PROVIDER OF REAL ESTATE RELATED DIRECTORY SERVICES AND CONTENT AND DOES NOT CONTROL OR SUPERVISE ANY SUCH AFFILIATES, AGENTS, BROKERS, VENDORS, ADVERTISERS OR OTHER THIRD PARTIES, AND THE COMPANY IS NOT RESPONSIBLE FOR THEIR ACTIONS.

This legal agreement (herein “agreement”) between you (herein “you” or “seller”) and Semya-Moya, Inc. (herein “Clever”, “us”, “we”, or “our”) should be read carefully before using our Website and/or mobile application (herein “Service”).

Semya-Moya is a Delaware corporation with a business office located at 6358 Delmar Blvd suite 300. St. Louis MO 63130 and a licensed real estate brokerage in MO, License # 2017042277

Your access to and use of the Service is conditioned on your acceptance of and compliance with this Agreement. This agreement applies to all visitors, users and others who access or use the service. If you don't agree with the terms and conditions of this Website, then we ask you please to leave this Website. However, if you do use this Website, then that operate as an acceptance and agreement that you agree to be bound by the terms and conditions of this Website.

You agree not to enter or use the service for any purpose that is not expressly permitted by these terms and conditions, or is otherwise unlawful. You further agree to comply with all applicable laws, statutes, ordinances, regulations, contracts and licenses regarding your use of the service including, without limitation, those applicable to the Internet, e-mail, privacy, copyrights, trademarks and data.

If you provide any information to us, you agree to provide only true, accurate, current and complete information. If you provide information to us about any third party, including, but not limited to, personally identifiable information, you represent and warrant that you are specifically authorized to provide such information to us so that we may use, process and transfer such personally identifiable information, and you assume all responsibility for dissemination and use of the information provided.

Clever is operated in compliance with all federal and state housing laws.

Terms for Sellers and Buyers of Real Estate

When you submit information to this Website, you agree and authorize Clever to share this information with one of the professional real estate agents or brokers associated with Clever to make a match. You also agree and consent to being contact by Clever's real estate professionals either by e-mail, telephone, mail or any other reasonable means of communication, including autodialed phone calls, text messages, and prerecorded messages from Clever and its partners, on any landline or cell phone number provided to Clever, even if such number is on a Do Not Call list and even if charges are incurred for the call or text. You understand that consent to receiving such communications is not a condition of receiving Clever's services and that you can call 1-833-2-CLEVER for services should you choose not to receive such communications.

You are obligated to provide information that is accurate and complete so that Clever can provide you with a real estate agent that is suited for the potential transaction and Clever reserves to the right to terminate anyone who provides false, inaccurate or misleading information.

Payment of any Cash Back, rebate, or incentive for use of the Clever platform is contingent upon Clever's receipt of a Service Fee related to the same use of its platform. If Clever fails to collect a Service Fee, it shall have no obligation to pay any Cash Back, rebate, or similar incentive. In the event Clever collects a Service Fee that is less than the money owed under any Cash Back, rebate, or other similar incentive program, Clever shall have the right to reduce the Cash Back, rebate, or incentive to an amount equal to or less than its Service Fee

CLEVER IS MERELY A REFERRAL SERVICE. All terms and conditions between a home seller or buyer and a real estate professional is governed by a separate legal agreement that does not involve Clever and is solely between the home owners or buyers and the real estate professional.

Clever does not endorse, validate, or recommend any legal agreements between home owners and buyers and real estate professionals. Please consult your own attorney for this type of work.

Referrals provided by Clever via this website are not recommendations by Clever for any particular service provider referred and should not be considered as such. You are responsible for vetting referrals and choosing the service provider(s) which best suits your individual needs.

Even though your participation in this referral service may be terminated by you or Clever at any time with written notice and it totally voluntary, any referrals that Clever may have with a real estate professional prior to termination are still effective.

You agree and acknowledge that Clever may modify the terms and conditions of this Website and associated referral service at any time. Clever will notify you in advance of any significant changes of our services to provide you with the option to discontinuing the Website and referral services. Your continued use of the Website and their referral services after the period listed in the notice indicates agreement and acceptance of the new terms and conditions.

For quality assurance, you agree that Clever may make a digital recording of any telephone calls with Clever or one of Clever's real estate professionals for the sole purpose of providing quality assurance.

Moreover, Clever's policy is to respond to claims of intellectual property infringement. Clever, under the Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c)(2) (“DMCA”) and other applicable intellectual property laws and will promptly investigate notices of alleged infringement and will take appropriate action.

Under the DMCA, notifications of claimed copyright infringement should be sent to the designated agent of Clever's service provider.

This Website may contain third party advertisements and links to third party sites. Clever does not make any representation as to the accuracy or suitability of any of the information contained in those advertisements or sites and does not accept any responsibility or liability or the conduct or content of those advertisements and sites and the offerings made by the third parties. Third party advertisements or links to other sites where goods or services are advertised are not endorsements or recommendations by Clever of the third party sites, goods, or services. Clever takes no responsibility for the content of the ads, promises made, or the quality/reliability of the products or services offered in all advertisements.

Clever intends that the information contained on our Web site be accurate and reliable; however, errors sometimes occur. In addition, we may make changes and improvements to the information provided at any time. Accordingly, we do not guarantee the accuracy of any information available on this Web site, and are not responsible for any errors, omissions, or misrepresentations and any information should be independently verified.

Marketing statements or assertions made by Clever on this Website related to the amount of savings a homeowner might obtain through use of our services are premised upon mathematical assumptions and hypotheticals that may not be applicable to every situation. Any such statements or assertions made on this Website regarding the “savings” or “average savings” of a homeowner are based upon Clever's own internal analysis of home sales and commission data, may not be universally accurate, and are only intended to illustrate the financial distinction between use of the “discount” real estate agent model versus use of the traditional real estate agent model (as explained on our Website). Homeowners and Buyers should inquire with their real estate brokers or agents about the potential savings they could receive by using our services.

Privacy Policy

Clever will collect, store and use personal information in accordance with its Privacy Policy. For more information about the information collected, when and how it is collected, and how and why the information is used, refer to Clever's Privacy Policy, which is incorporated into and made a part of these Terms and Conditions.

In addition, your use of any linked website is subject to the terms and conditions of use and privacy policy imposed by the operator of the linked website.

Arbitration

PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS.

These terms and conditions and all matters arising out of or in connection with the Website and/or terms and conditions shall be governed by and interpreted according to the laws of the State of Missouri (without applying the state's conflict-of-law principles).
Any dispute arising out of or connected with this Website and/or these terms and conditions not resolved amicably between you and Clever shall be resolved exclusively by binding arbitration as follows. You agree to give up your right to go to court to sue or seek relief from us.

Arbitration shall take place in the City of St. Louis, Missouri, and shall be administered under the procedures established by the American Arbitration Association or as may otherwise be agreed upon by the parties.

The party asserting the dispute (the “Petitioner”) shall indicate an intent to commence arbitration hereunder by giving written notice of such intent to the other party (the “Respondent”).

If the Petitioner and Respondent are unable to resolve the dispute within 15 days following the receipt by the Respondent of the above notice, arbitration shall commence upon the delivery by the Petitioner to the Respondent of a petition complying with the Arbitration Rules of the American Arbitration Association (the “Rules”) and setting forth at a minimum (i) the acts or omissions complained of, (ii) the section(s) of the terms and conditions breached or otherwise involved, and (iii) the relief sought. The Respondent shall respond to such petition in conformity with such Rules and a counterclaim shall be permitted if timely filed and served.

The arbitration shall be conducted by a single arbitrator in conformance with such Rules except that (i) the Petitioner and Respondent may provide any instructions to the arbitrator(s) which deviate from such Rules as the Petitioner and Respondent may mutually agree, and (ii) unless the Petitioner and Respondent mutually agree otherwise, they shall have the right to conduct discovery in any manner and to the extent authorized by the Federal Rules of Civil Procedure as interpreted by the Federal courts in the Eastern District of Missouri.

If the Petitioner and Respondent are able to agree upon a single arbitrator within 10 days following commencement of the arbitration, such individual shall serve as the arbitrator. If the parties cannot mutually agree upon the selection of an arbitrator within 10 days following commencement of the arbitration, the arbitrator shall be selected in accordance with the rules of the then effective Commercial Arbitration Rules of the American Arbitration Association.

With respect to any award in arbitration, the arbitrator: shall issue an award in writing which (A) sets forth findings of fact, (B) resolves each specific claim, (C) attaches a reasoned opinion, and (D) is signed by the arbitrator; may compel specific performance by the Petitioner or the Respondent of his or its respective obligations under the terms and conditions or award injunctive relief to restrain any breach of the terms and conditions by a Petitioner or Respondent, in each instance without the necessity of the Petitioner (A) alleging or proving damages as a result of the breach, or (B) posting any bond; provided, however, seeking or obtaining equitable relief shall not preclude a party to the arbitration from also seeking or obtaining an award for money damages in the arbitration; and shall equitably allocate between the Petitioner and Respondent all (A) administrative fees and expenses of the arbitrator(s) and the arbitration, and (B) fees (including reasonable legal fees) and expenses incurred by the prevailing party in the arbitration.

Judgment upon an award in arbitration may be entered in any court of competent jurisdiction in the United States.

Class Action Waiver / Venue

PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS.

You agree that you will resolve any disputes or claim with Clever on an individual basis, and that any claims arising out of or in connection with the Website and/or terms and conditions will be brought in an individual capacity, and not on behalf of, or as part of, any purported class, consolidated, or representative proceeding. You further agree not to participate in any consolidated, class or representative proceeding brought by any third party arising out of or in connection with the Website and/or terms and conditions.
If any court or arbitrator determines that the preceding waiver is void or unenforceable or that arbitration can proceed on a class basis, then the dispute or claim will not be subject to arbitration.

For any dispute or claim that is not subject to arbitration, you consent to exclusive jurisdiction and venue in the federal courts sitting in the Eastern District of Missouri, unless no federal subject matter jurisdiction exists, in which case you consent to exclusive jurisdiction and venue in the state courts sitting in St. Louis County, Missouri. You hereby irrevocably waive, to the fullest extent permitted by applicable law, any objection which you may now or hereafter have to the laying of venue of any such proceeding brought in such a court and any claim that any such proceeding brought in such a court has been brought in an inconvenient forum.

Modifications to the Website and Terms and Conditions

We are entitled to terminate or modify all or part of any of the Website at any time, without notice to you. We encourage you to check the Website regularly to ensure you are aware of the current terms.
We may modify these terms and conditions at any time by updating this posting. If we do so, we'll also update the effective date at the top of this page.

Prohibited Activity:

You agree not to engage in the following prohibited activities: (a) engaging in activities or submitting materials that could be harmful to minors; (b) submitting materials that are patently offensive to the online community, such as content that promotes racism, bigotry, hatred or physical harm of any kind against any group or individual; (c) engaging in activity or submitting materials that harasses or advocates harassment of another person; (d) engaging in activity, or submitting materials, or promoting information that is false, misleading or promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous; and (e) engaging in activity that involves the transmission of “junk mail” or unsolicited mass mailing or “spam” or harvesting or otherwise collecting personally identifiable information about Website users, including names, phone numbers, addresses, email addresses, without their consent; (f) submitting materials that contain viruses, Trojan horses, worms, or any other similar forms of malware; (g) submitting materials that displays pornographic or sexually explicit material of any kind; (h) submitting materials that provide instructional information about illegal activities such as making or buying illegal weapons, violating someone's privacy, or providing or creating computer viruses; submitting materials that contain restricted or password only access pages, or hidden pages or images; (i) engaging in activities or submitting materials that solicit passwords or personally identifiable information for unlawful purposes from other users; (j) engaging in unauthorized commercial activities and/or sales without our prior written consent such as advertising, solicitations, contests, sweepstakes, barter, and pyramid schemes; (k) using any robot, spider, cancelbot, other automatic device, or manual process to monitor, copy, or “scrape” web pages or the content contained in the Website or for any other unauthorized purpose without our prior written consent; (l) decompiling, reverse engineering, or disassembling the software or attempting to do so; or using any device, software, or routine to interfere or attempt to interfere with the proper working of the Website; (m) taking any action that imposes an unreasonable or disproportionately large load on the Website or our hardware and software infrastructure or that of any of our licensors or suppliers, (n) use any of its trademarks as metatags on other websites; (o) use the service in any manner that is illegal or impairs the operation of the service or its availability or usage by others; (p) display any part of the service in frames (or any content via in-line links); and/or (q) decompiling, reverse engineering, or disassembling the software or attempting to do so.

Indemnification. You hereby agree to indemnify and hold harmless Clever and its affiliates, officers, members, directors, employees, shareholders, information providers, suppliers and licensees (collectively, “Indemnified Parties”) from and against any and all liability and costs, including, without limitation, reasonable attorney's fees, incurred by any Indemnified Party in connection with any claim arising out of (a) any claim that any claim that you misappropriated, infringed or otherwise violated any privacy or trademark, copyright, or other intellectual property right of any third party and/or (b) any breach, or alleged breach, of any of the terms and conditions of this Website by you.

Disclaimer of Warranties. You expressly acknowledge and agree that your use of the Website and associated referral service is at your sole risk. This is provided on an “AS IS”, “WITH ALL FAULTS”, and “AS AVAILABLE” basis. Clever makes no representations or warranties relating to the Website and associated referral service including, without limitation, representations or warranties that (a) the Website and associated referral service shall meet your requirements, (b) the operation of the Website and associated referral service will be uninterrupted or error free, (c) the Website and associated referral service will be secure; or (d) any defects in the Website and associated referral service will be corrected. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ACTUALLY HEREBY DISCLAIMS ANY AND ALL WARRANTIES AND/OR REPRESENTATIONS, WHETHER EXPRESS, IMPLIED, ORAL OR WRITTEN INCLUDING, WITHOUT LIMITATION, ANY AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, REASONABLE CARE, AND/OR FITNESS FOR A PARTICULAR PURPOSE (WHETHER OR NOT ACTUALLY KNOWS, HAS REASON TO KNOW, HAS BEEN ADVISED, OR IS OTHERWISE IN FACT AWARE OF ANY SUCH PURPOSE), IN EACH INSTANCE WITH RESPECT TO THE SERVICE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ACTUALLY FURTHER DISCLAIMS ANY AND ALL WARRANTIES, AND/OR REPRESENTATIONS OF QUIET ENJOYMENT, TITLE AND NON-INFRINGEMENT WITH RESPECT TO THE SERVICE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS ON APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO THE ABOVE EXCLUSION AND LIMITATIONS MAY NOT APPLY TO YOU.

Limitation of Liability. IN NO EVENT SHALL CLEVER BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS OR SERVICES OR ANY OTHER DAMAGES OR LOSSES, ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE TERMS AND CONDITIONS OF THIS WEBSITE AND ASSOCIATED REFERRAL SERVICE, WHETHER FOR BREACH OF CONTRACT, IN TORT OR OTHERWISE, EVEN IF ACTUALLY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND WHETHER OR NOT SUCH DAMAGES ARE A REASONABLY FORESEEABLE CONSEQUENCE OF A BREACH OF THIS AGREEMENT OR A TORT THAT FALLS WITHIN THE SCOPE OF THIS AGREEMENT. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR PERSONAL INJURY, OR OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION MAY NOT APPLY TO YOU. In no event shall Clever's total liability to you for any damages arising out of or in any way connected with the Terms of Service or the Service, whether for breach of contract, in tort or otherwise, exceed ten dollars ($10).

Accounts

You have no obligation to work with Semya-Moya to buy or sell a home and you can terminate your account at any time.

When you create an account with us, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the agreement, which may result in immediate termination of your account on our service.

You are responsible for safeguarding the password that you use to access the service and for any activities or actions under your password, whether your password is with our service or a third-party service.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

Any information you obtain from the Semya-Moya Website is intended for your personal, non¬commercial use. You will not copy, redistribute, or retransmit any of the information provided except in connection with your personal home search.

Termination

We may terminate or suspend access to our service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the agreement.
All provisions of the agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the agreement.
Upon termination, your right to use the service will immediately cease. If you wish to terminate your account, you may simply discontinue using the service.

You agree to indemnify and hold harmless The Semya-Moya Parties (defined above) from and against any and all loss, expenses, damages, and costs, including without limitation reasonable attorney's fees, resulting, whether directly or indirectly, from your violation of the agreement. You also agree to indemnify and hold harmless the Semya-Moya Parties from and against any and all claims brought by third parties arising out of your use of any service and the content you make available via the Service by any means, including without limitation through a posting, a link, reference to content, or otherwise.

Semya-Moya has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party websites or services. You further acknowledge and agree that Semya-Moya shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services.

Communications

By submitting a form to Clever you consent to have Clever or one of its partners to contact you via autodialed phone calls and text messages, and prerecorded messages, on the landline or cell number provided even if your on any Do Not Call list and even if you are charged for the call or text. Your consent consent is not a condition of receiving Clever's services. You can call 1-833-2-CLEVER for services if you do not consent.

Miscellaneous

If any provision of this agreement is unlawful, void or unenforceable, then the unlawful, void or unenforceable provision shall be modified in accordance with the applicable law as nearly as possible to reflect the original intention of the applicable provision, and the remaining sections of the terms and conditions shall remain in full force and effect.

Contact Us

Any feedback, comments, requests for technical support, and other communications should be directed to customer service at 1-833-2-CLEVER. Hours of operation are from 9:00 am to 5:00 pm, Central Time, Monday through Friday, excluding holidays.

Our Company Contact

CLEVER CONTACT INFORMATION
Phone: 1-833-2-CLEVER
Email: support@listwithclever.com

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Consent to Contact Consumer

Semya-Moya — Tue, 22 Aug 2023 17:03:16 +0000

I expressly provide consent to Semya-Moya, Inc. (“Clever”), its agents, and the real estate companies that work with Semya-Moya, Inc., and their respective agents or affiliated companies, and any third party company with which Clever may partner to provide the goods and services advertised on this website to contact me via an automatic telephone dialing system, including SMS text messages, or an artificial voice to the number provided in this application for telemarketing purposes, regardless of whether or not my phone number is on any Do Not Call List. I understand that charges may apply to a mobile phone if that is the number provided. I understand that consent is not a condition of purchase, that I may opt out at any time, and that my decision to opt out only applies to the entity to whom the opt out preference is communicated. If you do not want to be contacted for telemarketing purposes, you can call Clever at 1-833-2-Clever‬ to access our services.

The post Consent to Contact Consumer appeared first on Semya-Moya.

Real Estate FAQs

Semya-Moya — Sat, 05 Aug 2023 09:35:32 +0000

General

What is Clever?

Clever is an online referral service that pre-negotiates discounted rates and rebates with top-rated, local real estate agents for home sellers and buyers.

If you’re selling, get full listing services and support for just a 1.5% listing fee — half the typical rate.

» JUMP: Learn more about selling with Clever.

If you’re buying, get full service from a top local agent, instant MLS alerts, and on-demand showings. You can also qualify for Clever Cash Back, putting money back in your pocket when you buy a house.

» JUMP: Learn more about buying with Clever.

We partner with top-rated, full-service agents from major brands and top brokerages like Keller Williams, Coldwell Banker, RE/MAX, Compass, and many more. Our no-obligation service is fast, easy, and 100% free. Interview as many agents as you’d like until you find the perfect match.

How does Clever work?

Clever’s goal is to make finding the perfect agent (and saving thousands) as fast and easy as possible. Once you submit your information, one of our licensed, Clever Advisors will reach out via phone or email to answer your questions, offer advice, and connect you with one or more top agents in your area.

Your Clever Advisor will send out an introduction via text or email so you and your prospective agent can coordinate next steps: a phone interview or in-person meeting. After speaking with your prospective agent, you have three options:

Sign an agreement and get started!
Request interviews with other agents in your area
Simply walk away — you won’t owe us (or the agent) a dime!

What is a Clever Partner Agent?

Clever Partner Agents are all top-rated, full-service agents from major brands (Keller Williams, Compass, Coldwell Banker, etc.) who run traditional real estate businesses. They’ve agreed to offer significant to sellers that connect with them via Clever’s referral service, saving you thousands — without sacrificing service.

How does Clever select its Partner Agents?

Clever selects its Partner Agents very carefully to ensure you get the best possible experience and outcome when buying or selling your home.

We partner with top-performing, full-service agents across the country from major brands and regional brokerages. We carefully screen our Partners so you don’t have to! When you list or buy with Clever, rest assured you’ll be getting world-class service and support from a best-in-class local agent — and saving thousands on your sale or purchase.

To be a Clever Partner Agent, realtors must meet the following minimum criteria:

Active real estate license
5+ years of real estate experience
Great reviews from past sellers and buyers
Proven track record of success in their local market
Excellent communication and responsiveness

Additionally, our Partner Agents know that if they don’t provide our buyers and sellers with the best possible service and results, we'll stop sending them referrals — and they'll likely damage their professional reputations. As such, expect to receive the same treatment and care they extend to any of their full-commission clients.

Are Clever Partner Agents full-service?

Yes! All of our Partner Agents offer full service and support, whether you’re buying or selling. They’ll guide you through the entire process, from day one all the way through closing. Get all of the help and resources you need to ensure and optimal outcome and a positive experience.

Does Clever work with real estate agents in my area?

Clever’s service is available in all 50 U.S. states and Washington, D.C. We partner with thousands of top-rated real estate agents nationwide to help you save thousands when buying or selling a home.

Get in touch to learn more and get started! Submit your info via the link below and we’ll help you set up a preliminary consultation with a top-performing agent in your area. Remember, the referral is 100% free and there’s never an obligation to sign or move forward.

> Interview top-rated, flat-fee agents near you.

Is Clever free?

Yes! Clever’s referrals are 100% free and there’s never any obligation to sign or move forward with one of our recommendations. Interview as many agents as you’d like until you find the perfect match for your specific situation, goals, and preferences. When you list with Clever, you’ll only pay your reduced fee if and when your home actually sells. If you’re buying, you won’t pay a dime.

Am I obligated to use Clever's service if I request an agent?

No! Clever’s referral service is free and there’s no obligation to hire any of the agents we send your way. There’s also no obligation to use our service in general — if our recommendations fail to meet your expectations or needs, you can walk away at any time. You won’t owe us (or the agents you’ve interviewed) a dime!

What happens if I don't like the agent Clever sends me?

We pride ourselves on the quality of our Partner Agent Network and our ability to make great referrals; however, we recognize that everyone has different goals, personalities, and preferences. Sometimes it takes more than one interview to find the right fit.

If you don’t like the agent we send you, let us know! We can connect you with other top-rated Partner Agents in your area — interview as many as you’d like until you find the perfect match!

Why should I work with Clever instead of negotiating with an agent myself?

When you negotiate a reduced rate with your listing agent on your own, chances are there's going to be a tradeoff — less communication, services, support, etc. When you sell or buy with Clever, you’ll have the same experience you’d expect working with a traditional, full-service agent, but with significant cost benefits attached!

Why do Clever’s Partner Agents offer the same service for less?

Agents who work with Clever get a steady stream of new business opportunities for zero upfront cost. That means they can spend more of their time and energy closing deals, as opposed to finding new prospective customers with no guarantee of a payday down the road.

As a result, they're able to generate more income with little-to-no upfront investment. This allows them to pass savings along to you — in the form of a reduced commission or buyer rebate — while still maintaining their bottom line.

What happens after I contact Clever?

Once you submit a form on our website, a Clever Advisor will reach out via phone or email to learn a little more about your situation and needs, answer any questions you might have, and get the process started.

After verifying your information, they’ll connect you with a top-performing agent in your area via group text, so you can set up a no-obligation interview, either in-person or via phone — whichever you prefer.

What should I expect during the interview with my Partner Agent?

Your Clever Advisor will introduce you to your prospective Partner Agent via group text so the two of you can coordinate next steps. Your interview will take place at the agent’s office, your home, or via phone depending on your preferences.

The interview is not only an opportunity to evaluate your agent’s expertise and personality, but also to get some free, expert advice about the home buying or selling process in general. Ask your agent questions, learn more about current conditions in your local market, gauge their personality and work style to determine whether they’re a good fit for you.

If you’re not 100% sold on the Partner Agent we recommend, let us know! We’re happy to connect you with one or more other agents so you can set up interviews and explore all of your options. Interview as many agents as you’d like until you find the perfect fit!

Will Clever keep my information private?

We take your privacy very seriously and will never sell your information to third parties. If you have any concerns, you can call 1-833-2-CLEVER at any time or view our full privacy policy here.

Selling with Clever

Why do I need a realtor to sell my home?

Selling a home is a high-stakes, complicated process. Unless you’re a seasoned real estate veteran who's extremely well-versed in home valuations, local market trends, pricing negotiations, legal documents, and tax protocol, chances are you would benefit immensely from an agent’s help.

There's a reason approximately 91% of home sellers opt to work with realtors: agents have the requisite experience, resources, and local market expertise to help you get the best possible offer in the shortest amount of time.

Why should I sell with Clever?

Put simply, Clever lets you sell with the same agents for less!

When you list with Clever, you’ll work with a top-rated, full-service agent in your area from a major brand or regional brokerage (e.g., Compass, Keller Williams, Coldwell Banker, etc.) — but you’ll pay a fraction of their typical rate.

The standard listing commission rate nationwide is approximately 3% of the final sale price of the home. When you list with Clever, you’ll get the same service and support, but you’ll only pay a 1.5% listing fee — or half the typical price tag.

> Use the calculator on this page to see how much you could save with Clever!

How does selling with Clever work?

Clever has a nationwide network of top-rated, full-service real estate agents, all of whom represent major brands and/or regional brokerages (Keller Williams, Century 21, RE/MAX, and more). Our Partner Agents run traditional, full-commission real estate businesses, but have agreed to offer a significant discount to any home seller who connects with them through Clever's referral program.

Importantly, when you work with a Clever Partner Agent, you’ll get the exact same treatment as any of their traditional, full-commission clients — and that includes the use of their professional branding on listings and the “for sale” sign in your yard. In other words, unlike when you work with other discount brokerages, prospective buyers will have no idea that you saved thousands on your listing commission. That helps you avoid lowball offers and hard-line negotiations from potential buyers.

How much does it cost to sell with Clever?

Clever’s referral service is 100% free and comes with zero obligation. Meet with as many agents as you’d like. If you don’t find a good fit, you’re free to walk away at any time.

If you sign with one of our agents, you’ll pay a pre-negotiated 1.5% listing fee (half the typical rate) ONLY if and when your home actually sells. If your listing doesn't work out, you won't owe a dime.

Of course, you’ll still need to offer a full buyer's agent commission in order to incentivize other agents to show your home to their clients. Standard rates range from 2.5-3% in most areas (your agent can tell you exactly how much you’ll need to offer to be competitive).

Most sellers, with the help of their listing agent, will simply bake this fee into listing price of their home — think of it as another built-in cost of the process, just like renovations, legal fees, and taxes.

Why do I have to pay the buyer's agent?

The vast majority of buyers are working with a realtor. The best way to sell a home quickly — and for top dollar — is to properly incentivize their agent.

When you don’t offer the buyer’s agent a commission, the buyers may have to pay them out of their own pocket, which could limit their ability to purchase your home.

It will also likely disincentivize the buyer’s agent from showing your property to their clients. Buyer’s agents spend a considerable amount of money marketing themselves and acquiring new clients. If one of their clients ends up purchasing a home and they don’t earn a commission, it doesn’t just shrink their profits — they’re actually losing money in this situation.

All of this is to say that even if you opt to list for sale by owner (FSBO) and forego the services of a listing agent, chances are you’ll still be on the hook for the buyer’s commission — about 3% of the final sale price.

How much will I save by listing with Clever?

Your total savings will depend on how much your home ultimately sells for.

Clever Partner Agents provide full service for a 1.5% listing fee — about half their typical rate. When you factor in the 2.5-3% buyer’s agent fee (this is typically non-negotiable for sellers), your total commission rate comes to 4-4.5%. If you were selling a $500,000 home and found your agent through Clever, you'd save roughly $7,500 compared to if you'd found that same agent on your own.

As of 2023, sellers who listed with Clever saved an average of $7,000, compared to what they would’ve paid working with a traditional, full-commission realtor.

> Use the calculator on this page to get an estimate of your savings with Clever!

What listing services do Clever Partner Agents provide?

All of Clever's Partner Agents are full service, meaning you'll get end-to-end guidance and support in exchange for your discounted commission rate.

Here are some of the services you can expect when you list with Clever:

Comparative market analysis (CMA)
Pricing strategy
Net sheet
Home-staging advice
Professional photography
Full listing on the MLS and hundreds of other real estate sites
Digital and traditional marketing campaigns
Help with showings and open houses
Help with offers and counteroffers
Home inspection coordination and negotiation support
Title transfer assistance
Help with paperwork and closing
Expert, hands-on guidance throughout the entire process
And more!

Why are agents willing to work with Clever for a lower rate?

Acquiring new business is one of the most expensive and time-consuming parts of being a real estate agent. And of course, they don’t get paid for signing new customers — they get paid when they help those customers sell or buy homes.

When agents work with Clever, they get a steady stream of new clients, meaning they can spend less time selling themselves and focus on closing deals. Simply put, they’re able to generate more revenue with less effort — and those savings are passed on to you in the form of a reduced commission rate.

What’s more, the increased volume of business helps them build their brand within their local market. This boost to their stats, visibility, and reputation ultimately helps them get more traditional, full-commission referrals and listings.

Our Partner Agents know that if they fail to provide our buyers and sellers with the best possible service and results, we’ll stop sending them referrals — and they’ll likely damage their professional reputations. In other words, expect to receive the same treatment and care they’d extend to any of their traditional clients.

Can I list with Clever if I’m already working with an agent?

When you sign a listing agreement with an agent, the terms regarding termination will be specific to that contract. Some agents or brokers will allow terms or conditions for ending the contract early — some won't. Before you sign anything, be sure to discuss these terms thoroughly and that you’re crystal clear on the implications.

Some contracts will require sellers to pay former listing agents a partial commission for services previously rendered, even if you close with another agent. Others will allow you to terminate if certain terms or conditions are not met in a specified period of time.

How long does the home selling process take with Clever?

How long it actually takes to sell your home will depend on a number of different factors: demand in your local market; the type, condition, and price point of the property you’re selling; your priorities (i.e., speed vs price); etc.

When you meet with your Clever Partner Agent, they’ll give you a realistic sense of how long you should expect the process take, as well as guidance on pricing strategy and other tactics to help expedite your sale.

> Learn more about how long it takes to sell a home.

Is Clever’s home seller service available nationwide?

Yes! Clever partners with top-rated listing agents in all 50 U.S. states and Washington, D.C. Fill out the form below to find a Partner Agent near you. Remember, the referral is 100% free and there’s never an obligation to sign or move forward.

> Get in touch to learn more and find a top agent near you!

Buying with Clever

Why do I need a buyer's agent?

While it's not required that you buy with an agent, it's highly recommended. Buyer's agents have the requisite experience, resources, and local market expertise to help you find properties in your budget that match your specific needs and negotiate with sellers to get the best possible price. As of last year, 87% of buyers purchased their home with an agent or broker’s help.

The best part? The seller will typically be responsible for paying your agent’s commission fee. In other words, there’s really no reason to buy without an agent — you get all the value and someone else is paying the bill!

Why should I buy with Clever?

When you’re ready to buy a home, you need to act fast. You can’t afford to burn weeks scouring the web and doing interviews to find the right agent. That’s where Clever comes in.

Clever connects you with a nationwide network of top-rated buyer’s agents from major brands and brokerages like Keller Williams, Compass, RE/MAX, and more. We screen all of our agents so you don’t have to. Interview as many as you’d like until you find the perfect match.

When you buy with Clever, you get:

Quality: We partner with full-service buyers agents with 5+ years of experience, great reviews, and a proven track record of success.
Instant MLS Alerts: Get notified the instant a home matching your specific criteria is listed on the MLS.
On-Demand Showings: Schedule home tours whenever you want — see a property in as little as one hour.
Clever Cash Back: Eligible buyers earn cash back after closing.

How does buying with Clever work?

After you submit your information, a Clever Advisor will get in touch, either by phone or email, to learn a little more about you and your situation. Next, they’ll introduce you to a Partner Agent in your area that they think will be a good match, based on your specific needs and goals.

During your interview, your agent will answer your questions and explain exactly how they’ll help you throughout the home buying process. Importantly, if you’re not 100% on board with the agent we recommend, let us know! We’re happy to introduce you to other agents. Interview as many as needed until you find the perfect fit.

Your Clever Partner Agent will guide you through your entire home buying journey, from house hunting and showings to submitting an offer, negotiations, inspections, closing, and more. Get all the help and support you need to secure your dream home — and save thousands.

Do I have to pay any fees when I buy with Clever?

No! Buying with Clever is 100% free. You don't have to pay us a thing. And the seller typically covers your agent's commission.

Are Clever’s Partners full-service buyer’s agents?

Yes. Clever only works with top-performing, full-service buyer’s agents from major brands and regional brokerages like Keller Williams, Compass, Coldwell Banker, etc.

How does Clever choose the buyer’s agents it works with?

Clever selects its Partner Agents carefully to ensure you get the best possible experience and outcome when buying your home. The buyer’s agents we partner with must meet the following criteria:

Active real estate license
5+ years of real estate experience
Great reviews from past sellers and buyers
Proven track record of success in their local market
Excellent communication and responsiveness

Why do buyer’s agents work with Clever?

Agents typically have to spend a huge amount of their energy and resources on drumming up new business for themselves. Marketing, networking, consultations — these are all expensive, time-consuming endeavours that don’t guarantee any sort of return on investment. After all, agents get paid for closing deals, not signing new clients.

Agents who partner with Clever get a steady stream of new business, which helps boost their visibility within their local market, their stats, and ultimately, their bottom line. Importantly, Clever’s Partner Agents know that if we don’t get glowing reports back from our buyers that they provided excellent service and support, we’ll stop working with them — and that the negative reviews will damage their professional reputations.

In other words, rest assured that your Partner Agent will pull out all the stops, ensuring you have a fantastic experience and get the results you’re looking for.

Is Clever’s home buyer service available nationwide?

Yes! We partner with top agents in all 50 U.S. states and Washington, D.C.

How do on-demand showings work?

When you find your dream home, you have to act fast before another buyer makes an offer first — especially when you’re in a competitive market. Unfortunately, the process of seeing a home can be slow. You normally have to wait for a scheduled Open House, which may not be until the weekend.

When you buy with Clever, you get two huge competitive advantages: speed and convenience, via on-demand home tours. If you find a home you’d like to tour, simply provide the address the time you’d like to see it. We’ll find an agent to take you through the property — as quickly as one hour from your initial request.

What are real-time MLS updates?

Real-time MLS updates are another way Clever helps give you a competitive advantage over other buyers in your area. Your Clever Partner Agent will get you set up with real-time MLS updates, sending you an instant alert, via email or text, the moment a home matching your criteria comes on the market.

Coupled with our on-demand showings, this allows you to get the jump on properties of interest: find out about them first, schedule a tour within one hour, make your move before other buyers even know the property is listed.

Can I buy with Clever if I already have an agent?

This will ultimately depend on whether you signed a buyer’s agent agreement with your current agent, and the specific terms of that agreement. Oftentimes, contracts like these will typically stipulate that your agent has the exclusive right to represent you for a designated period of time — usually six months.

Once you make an exclusive agreement with an agent, you’re legally obligated to work with them, per the terms of the contract. As such, make sure you always read these terms carefully before you sign the dotted line. If you start working with another agent without cancelling your existing contract, you could land yourself in some legal hot water. If you haven’t signed a buyer’s agent agreement with anyone, you should be free to do as you please.

> Learn more about buyer’s agent agreements here.

The post Real Estate FAQs appeared first on Semya-Moya.

How to Save On Commercial Real Estate Commission Rates

Semya-Moya — Tue, 06 Jun 2023 21:34:55 +0000

Commercial real estate agents usually charge 4-6% in commission fees. There are many ways to lower those fees: look for off-market and wholesale deals and find a flat fee service. All of these options come with benefits and drawbacks.

Sellers who purchase residential real estate property through a real estate agent usually pay 6% in real estate commission fees. Half of these fees go to the selling agent and the other half go to the buying agent. Commercial real estate commissions work in a similar fashion. Luckily, commercial buyers and sellers do have options for saving on these rates and putting more money into their investment.

How much do commercial real estate agents charge investors?

If the property is under $5,000,000, commission rates are typically 5-6%. Agents will lower these commission rates to 4% if the commercial property is worth over $5,000,000.

» MORE: 17 Things to Know About the Future of Commercial Real Estate

How to Save on Commercial Real Estate Commission Rates

Look for Off-Market Deals

Commercial real estate deals don’t require the presence of a real estate agent. If buyers and sellers find each other without the help of an agent, they won’t have to pay any commission fees.

Of course, this is easier than it sounds. This strategy requires buyers to hunt for commercial properties and sellers to negotiate on their own, but it may be worth saving 6% in commission fees.

Look for Wholesale Deals on Commercial Transactions

If you have looked into different ways to make money from real estate, you may have run across the idea of wholesaling. Wholesalers can make commission fees without even leaving their home; they simply take a small fee by connecting sellers to buyers.

People who connect sellers and buyers will still charge a commission fee, but since they wear multiple hats in the real estate process, these fees typically aren’t as high. In addition, investors can find wholesale properties at a lower price than other properties. Even if you are paying commission fees, they won’t be as high as they would be if you go through more traditional methods.

Negotiate the Terms

In a commercial sale, the contract will state who pays the real estate commissions. In certain deals, the buyer may take on the responsibility of these commission fees. We can’t guarantee that the buyer will be willing to take on these commissions, but you will never know unless you try to negotiate. Reach out to a commercial real estate broker for more information about how you can negotiate the terms of your contract.

Find a Flat Fee Service

Real estate commissions have caused buyers, sellers, and investors headaches for years. Flat fee services have found a way to eliminate those headaches while still finding you the property or buyer that you want.

Here’s how flat fee services work: you pay a flat fee. (Obviously.) The service connects you with an experienced commercial real estate agent in the area. You don’t have to pay a dime in commercial real estate commissions but you still get a high-quality deal. Flat fee services are a win-win for everyone in the commercial real estate process.

Learn more about how flat fee services can save you money on commercial real estate commissions here.

Going Off-Market: How to Buy a House That's Not for Sale

Semya-Moya — Tue, 06 Jun 2023 20:04:03 +0000

✍️ Editor's note: We strive to provide objective, independent advice. When you decide to use a product or service we link to, we may earn a commission. Learn more.

How to Buy a House That's Not for Sale

You’ve fallen in love with your dream home, but it isn’t on the market. The seller’s market in your area means that you keep losing in bidding wars. You can still buy a house, but you’ll have to think outside the box (and the MLS). Learn how to buy a house that's not for sale.

In 2021, final sale prices on homes sold came it at 99% of the final listing price, and they sat on the market just three weeks. Simply put, it’s a seller’s market in most areas.

If you’re a buyer who’s lost bidding wars on multiple homes, or can’t find what you’re looking for, you might be tempted to just throw in the towel. But don’t give up on your dream of home-ownership just yet! Instead, learn how to buy a house that's not for sale.

How to Find Off-Market Properties

An off-market home is one that isn’t listed on the MLS or isn’t for-sale-by-owner. You can find them by driving through your desired neighborhood and identifying homes that look like a good fit for you.

1. Search online

Websites like Zillow and Trulia let you set up property alerts. Zillow has a "Make Me Move" feature where owners list their dream price for a property. Your off-market dream home could be on that list, which at least tells you that the owner has some interest in selling.

2. Hire an agent

Don’t think that an agent can help you find a home that isn’t already for sale? Think again! Agents are often aware of upcoming listings in their brokerage or in the neighborhoods they serve. Armed with your criteria, they can network with other agents to jump on a listing before it’s actually on the market and avoid a bidding war.

3. Download real estate software

If you're looking for a great deal, downloading a real estate app can help you find cheap off-market properties and reach out to owners instantly.

Popular real estate software or websites for investors include:

DealMachine: The DealMachine app helps you find and research distressed homes and get in touch with motivated owners fast to see if they're interested in selling.

When you're driving around town and spot a home that looks like it could be a great deal, you pull up the home on your DealMachine app, where you can send the owner direct mail (no post office visits required). Download the DealMachine app (7-day free trial) to find undervalued properties as you drive around town.
Flipster: Primarily targeting house flippers, this app helps user find motivated seller leads, while also providing valuable comparable property information to help you estimate a home's fair market value before making an offer.
Flipperforce: The Flipperforce app helps BRRRR method investors analyze home values to calculate the maximum purchase price to offer on a property before making a purchase.
Zillow foreclosure center: Zillow makes it easy to find foreclosed and bank-owned properties in your area. However, unlike off-market properties you'd find on DealMachine and other software, most of Zillow's properties are publicly listed - meaning you'll likely face stiff competition from other investors.

Researching an Off-Market Property

Buying a house that isn’t for sale requires more work than simply searching the MLS, attending an open house, and making an offer.

In the best case scenario, the property was previously on the market, and the owner withdrew the listing. This means that they once had an interest in selling, so you have a better chance of convincing them to sell now. What you need to find out, if possible, is why they took the house off the market.

The owners could have pulled the listing because they didn’t receive the offers they wanted, they could have been unhappy with listing agent or their commissions, or their life circumstances changed. Addressing those reasons in your offer improves your chances of it being accepted.

A vacant property presents more of a challenge. If the owner died intestate (without a will) the house could be in probate, the city might have condemned the property, or it could be in litigation or foreclosure. You’re going to have to do some digging.

Search online county records to find the last owner and see if you can track them down. Googling their name plus obituary will tell you if they’ve passed away but also possibly lead you to any heirs. Look up the property on zillow.com to see if it’s in pre-foreclosure.

If your research isn’t getting you anywhere, or you don’t have the time, consider finding a buyer’s agent who has great negotiating and research skills to help you in your quest. While much of this data is online, it’s not always easily accessible. Clever Partner Agents may have contacts in the county assessor’s office or at local banks where they can find answers.

Making an Offer on a House That's Not for Sale

Armed with the information on why the house isn’t currently for sale, prepare an offer letter tailored to the owner’s situation.

Be flexible and work with the owners on a possible move-in date, or offer to let them rent from you while they find a new house. And get pre-approved for the mortgage before making the offer. You want to make it as easy and attractive as possible to them to sell their house.

Along those lines, consider writing a personalized letter to the owners to explain why you want to buy the house. Maybe it’s in the neighborhood you grew up in, or it’s your childhood best friend’s house. Perhaps you’ve always wanted a rock garden in your front yard. For more ideas, read about how to write a persuasive offer letter.

It’s still possible to buy a house in a seller’s market if you think outside the box (or in this case, the MLS). You’ll have the best luck working with an experienced agent, so contact a Clever Partner Agent today!

» MORE: How to Win a Bidding War

The post Going Off-Market: How to Buy a House That's Not for Sale appeared first on Semya-Moya.

The Ultimate Guide for Moving to Nebraska

Semya-Moya — Tue, 06 Jun 2023 19:54:15 +0000

Nebraska boasts a rock-solid economy, a welcoming population, a booming tech scene, and five Fortune 500 companies. With a healthy housing market and a low-cost-of-living, it might be the most underrated state in America.

Some people call Nebraska the most underrated state in America, and they just might be right. Nebraska combines the friendliness of the South with the stability of the Midwest and throws in the booming economy of Silicon Valley. (No, really!)

It also offers some of the most breathtaking natural vistas in the continental United States, from postcard-perfect Chimney Rock to the one-of-a-kind Sandhills, and is home to the third-richest man in the world, Warren Buffett, who can often be seen strolling down the streets of Omaha. If you ask nicely, maybe he’ll give you a free stock tip?

Our Top Five Reasons to Move to Nebraska

The Economy

It’s possible that Omaha is actually the real tech capital of America. The US government relocated the Strategic Air Command to Omaha in World War 2 because it’s far from the coasts and thus very difficult to attack from the air. Many businesses piggybacked onto the government’s telecommunications infrastructure, and Omaha still has a record number of call centers.

Today, about 20 tech startups are founded every year in Omaha, and five Fortune 500 companies call Omaha home. Not only that, billionaire Warren Buffett, one of the world’s richest men, still lives in the Omaha house he bought for $31,000 way back in 1957.

It’s the Tailgate Capital of the World

The University of Nebraska’s Memorial Stadium holds 90,000 people, and when it’s filled to capacity, it qualifies as Nebraska’s third-largest city. And it’s been filled to capacity for every home game since 1962, a sellout streak unmatched in sports.

The National Tailgater Association named Nebraska the best tailgating college in the country, and who’d know better than they would?

The Great Outdoors

When you think of Nebraska, you think of endless flat plains, and yes, there’s plenty of that. But there’s also surprising climate diversity, and it’s one of the most unspoiled states in America.

Three hundred foot tall Chimney Rock rivals the best of Utah or Arizona for iconic rugged beauty. And Nebraska is home to the largest wetland area in the country, in the form of the Nebraska Sandhills, a massive region of sand dunes and swamps that’s the largest untouched ecosystem in the continental United States.

Every march, over a half-million Sandhill cranes stop in the Sandhills on their way north, a sight that some have described as a spiritual experience.

The Trees

Did you know the first Arbor Day in America was in Nebraska? (No, you didn’t.)

When Detroit native J. Sterling Morton moved to Nebraska in the late 19th century, he noticed that the unusually flat state lacked windbreaks and that the state’s fertile soil needed stabilizing, or it would blow away. So on April 10, 1872, Morton organized the planting of a million trees in Nebraska, many of which are still towering over the flat Nebraskan landscape.

The Health

For a place that likes tailgating and hot pockets so much, Nebraska is a surprisingly healthy place. In fact, it consistently ranks highly on Gallup’s Well-Being Index; it recently placed 15th, and in recent years has placed as high as seventh. Don’t underestimate the Midwest’s wholesomeness!

» MORE: Corrigan Moving Systems Reviews: Everything You Need to Know

The Quality of Life in Nebraska

You probably won’t be surprised to learn that the quality of life in a state with a friendly population, great natural environment, and a healthy economy is quite high.

The cost of living in Nebraska is much lower than the national average, and the unemployment rate, at just under 3%, is also quite a bit lower than the national average. The education system ranks ninth in the country, and the healthcare system is one of the best in the United States.

The Economic Outlook for Nebraska in 2019

Nebraska is a fiscally conservative state that’s operated without any debt for a long time; this approach has yielded great results in the state, where unemployment remains historically low, and big business has boomed.

Nebraska’s job growth rate is steady at just under 1% a year, and while farm income has dropped in recent years, manufacturing, construction, and service industries have seen large year-to-year growth.

The median household income in Nebraska is $56,927, which just a hair higher than the nationwide average. Considering the low cost-of-living in Nebraska, that’s a very positive economic indicator.

The Housing Market Forecast for Nebraska in 2019

The Nebraska housing market is hot; home values have gone up 7.2% over the past year, and are forecast to continue to rise in 2019 by about 4.4%.

The average home value in Nebraska is $164,500, which is lower than the national average, and listings averaged 75 days, so properties are moving at a moderate pace.

With the state’s low cost of living, unmatched stability, and rosy economic forecast, it’s a good time to be selling a home in Nebraska.

Next Steps

If you’re interested in a rock-solid, all-American place to live, Nebraska could be right up your alley. Whether you’re interested in a modern loft in downtown Omaha, a multi-family rental property in Lincoln, or a rustic farmhouse overlooking the Sandhills, you’ll get the best deal if you partner with an experienced local real estate agent. A seasoned agent can read the market, handle negotiations, and walk you through the intricacies of the largest investment of your life.

Clever Partner Agents are elite performers in their markets and come from top brands and brokerages. Contact us today to get started on finding your Nebraska dream home!

The post The Ultimate Guide for Moving to Nebraska appeared first on Semya-Moya.

Semya-Moya, Author at Semya-Moya

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