If you use me as your buyers agent, I will cover all of your mortgage closing costs. I will list your home for 3.8% if you use me to buy your next home. I have owned my company since 1996 and have been helping people with their home loans since 1993. I can offer you my experience and discounts because you are not paying a loan officer. I don't have to share the commissions with the owner because I am the owner. Most Agents work on commissions that they have to give a percentage to the owner of the company. Since you will be working with the owner, there is no splitting of commissions and I can pass the savings on to you.