Office Expenses
No extra buyer administration charge for office overhead.
Brett Smith | LPT Realty | Las Vegas
My 7-Point Buyer Savings Plan
Discover a smarter approach to buying your next Las Vegas home. Explore all seven savings strategies, from no additional buyer-broker fee and my $2,000 rebate to lender competition, seller-paid closing costs, down payment assistance, price negotiations, and experienced representation.
POINT 01 | NO BUYER BROKER FEE
Seven savings strategies. One clear plan.ALL 7 POINTS NOW AVAILABLE
01
Buyer savings strategy number one
No Buyer Broker Fee
No additional buyer-broker administrative fee - see how my $0 fee example works.
Buyer savings strategy number one
No Buyer Broker Fee
Some brokerages charge a separate buyer administration fee to cover office expenses, a transaction coordinator, or desk and processing costs. I don't charge that additional buyer-broker fee. Here's how the example is shown in the agreement.
$0
No additional buyer-broker administration fee
On line 38 of my agreement example, the fee box is checked and the amount is entered as zero.
Transaction Coordinator
No separate buyer administration fee for transaction-coordination expenses.
Desk or Processing Fees
No additional buyer administration fee for desk or processing expenses.
View the agreement example
Three Details Highlighted in Blue
See the actual form wording with the $0 fee field, collecting the broker fee from the seller, and cancellation clearly marked.
01
Page 1 of 3 - Line 38
The $0 Fee Entry
The fee selection on line 38 is checked, with the amount filled in as $0.
Click or tap the highlighted example to enlarge it.
02
Page 2 of 3 - Section 4
Collecting Broker's Fee From the Seller
The agreement's Section 4 wording is highlighted in blue.
Click or tap the highlighted example to enlarge it.
03
Page 3 of 3 - Section 14
Cancellation
The cancellation section is highlighted in blue, so buyers can read its wording.
Click or tap the highlighted example to enlarge it.
The marked-up document is an example for illustrating Point 1. Actual agreements are reviewed with each buyer.
02
Buyer savings strategy number two
My $2,000 Buyer Rebate
A financial advantage for you when we successfully close on your home.
A bonus for your home purchase
$2,000
A Buyer Rebate at Successful Closing
Upon the successful closing of your home purchase, I provide a $2,000 buyer rebate to help you keep more money in your pocket.
Different buyers have different needs. We can talk about putting that rebate toward the expenses or savings that would help you the most.
How Can Your $2,000 Rebate Help?
Here are several ways the rebate may benefit you at or around closing.
Cash at Closing
Receive the $2,000 rebate as cash back at closing when permitted.
Additional Closing-Cost Help
Apply the rebate toward eligible closing costs to reduce your out-of-pocket expenses.
Buy Down Your Interest Rate
Put the rebate toward an eligible mortgage interest-rate buydown.
Help With Moving Costs
Explore using the rebate to help cover qualifying expenses when moving into your new home.
Whatever Helps You Most
Have another expense or savings goal in mind? Let's talk about how your $2,000 buyer rebate may help with that, too.
Rebate payment and use depend on the transaction and applicable lender and closing requirements.
03
Buyer savings strategy number three
Lender Competition
When lenders compete, you win!
More options, more negotiating power
When Lenders Compete, You Win!
I can connect you with several different mortgage lenders, giving them the opportunity to compete for your business. Instead of accepting the first loan offer, you can shop and compare to find a competitive interest rate and loan terms that work for you.
Access Multiple Lenders
I'll help introduce you to several lenders so you have more than one option when shopping for a home loan.
Compare Rates and Costs
Let lenders compete for your business while you compare interest rates, lender fees, and other loan costs.
Choose the Right Loan
Look beyond the rate to review loan terms, estimated monthly payments, and overall financing options.
My Goal: Help You Get a Competitive Rate
Competition gives you a stronger opportunity to compare offers and negotiate. Let the lenders work to earn your business, while you choose the financing that fits your needs.
Interest rates and loan offers depend on lender requirements, borrower qualifications, and market conditions.
04
Buyer savings strategy number four
Seller-Paid Closing Costs
I'll fight to negotiate seller assistance with your allowable closing costs.
Experience and strong negotiation
Let's Ask the Seller to Help Pay Your Closing Costs.
Buying a home means more than saving for a down payment. Closing costs can add thousands of dollars to your upfront expenses. With 26 years of real estate experience, I work hard to negotiate a seller contribution that can help you keep more cash available at closing.
The $7,500 seller-credit figure pictured is an example, not a promised amount.
We Put the Seller Credit Right Into the Offer.
When preparing your purchase contract, we can request that the seller contribute a specific dollar amount toward the buyer's allowable closing costs. For example, we might negotiate for $6,000, $7,500, $9,000, or another amount based on the home, estimated expenses, financing guidelines, and the seller's response.
Review Your Closing Costs
We'll work with your lender to understand the closing costs you may be responsible for and which expenses can be covered by a seller contribution.
Write the Request Into Your Offer
I'll include a request for a specific seller credit toward your allowable closing costs in the purchase agreement, so the terms are clear.
Negotiate Hard on Your Behalf
I'll work to negotiate as much of that contribution as possible, aiming to reduce the amount of cash you need to bring to closing.
My Goal: Less Cash Out of Your Pocket at Closing.
Every situation is different, but I will advocate for a seller contribution whenever it makes sense, and work to secure the strongest overall terms I can for your purchase.
Seller contributions are negotiated, not guaranteed, and are limited by actual allowable closing costs, lender or loan-program requirements, and the terms agreed to by the parties.
05
Buyer savings strategy number five
Down Payment Assistance (DPA)
You may have more help available than you realize.
Explore opportunities for Nevada homebuyers
Your Down Payment Doesn't Always Have to Come Entirely From Your Savings.
Saving thousands of dollars for a down payment can feel like the biggest obstacle to buying a home. Nevada has down payment assistance programs, commonly called DPA, that may help qualifying buyers cover some of the down payment and, with certain programs, eligible closing costs.
Two strategies working together
Down Payment Assistance + Seller-Paid Closing Costs = Potentially Less Cash Needed at Closing
Here's where my savings plan can make a difference: we explore whether a DPA program can help with the down payment while I negotiate for the seller to contribute toward your allowable closing costs. When the loan program and purchase terms permit both, a buyer may need substantially less cash out of pocket. We'll ask the lender to show you an actual estimate before making any decisions.
Programs Worth Exploring in Nevada
Different programs help different buyers. I'll help connect you with a participating lender to explore the options that fit your situation.
Nevada Housing Division
Worker Advantage
Designed for qualifying Nevada essential workers, including people in healthcare, education, public safety, and construction. The program was created to offer $20,000 in down payment assistance, with possible rate-buydown options. Funding is limited, and eligibility and remaining availability must be confirmed by a participating lender. The assistance is a repayable, no-interest second mortgage, not a cash gift.
Nevada program detailsNevada Housing Division
Home Is Possible
A statewide homebuying program offering eligible borrowers up to 5% of the loan amount toward a down payment or closing costs. It isn't limited to first-time buyers. Credit, income, home price, education, loan terms, and other requirements apply.
Explore Home Is PossibleNevada Housing Division
First-Time Homebuyer Assistance
For qualifying first-time buyers, Nevada's Home Is Possible first-time buyer program offers up to 4% of the loan amount for a down payment or closing costs. The assistance has repayment terms and program qualifications; a lender can explain the details.
First-time buyer programAlternative qualifying locations
Nevada Rural Housing Options
Nevada Rural Housing also offers Launchpad assistance options and the Rural Rocks $20K essential-worker program. These may be worth exploring if the property is in an eligible rural area; most Las Vegas and Henderson addresses do not qualify. Assistance and funding rules vary.
Explore rural program optionsLet's Find Out What Assistance You May Qualify For.
My role is to help you explore your options, connect with lenders familiar with Nevada DPA programs, and negotiate a purchase that works for your budget.
Ask Brett About Down Payment AssistanceProgram rules, assistance type, income limits, credit requirements, property eligibility and remaining funding change. Assistance may be a second mortgage rather than a grant. Seller credits and DPA may not be combinable in every transaction. A participating lender must confirm eligibility and estimated cash to close.
06
Buyer savings strategy number six
Price Reduction Strategy
Every dollar we can negotiate off the price matters.
Your experienced advocate in negotiations
I Fight to Negotiate the Best Price Possible for You.
A home may be listed at one price, but the final sales price can sometimes be negotiated. Drawing on my 26 years of real estate experience, I study the property, prepare a thoughtful offer and work hard to negotiate a price reduction when the situation allows.
My price negotiation approach
Seller's starting pointListing Price
Negotiate for less
Our targetYour Strategic Offer
My job is to make a compelling case for a better deal - while keeping your goals front and center.
Negotiation illustration: photo by rawpixel.com, CC0, via Wikimedia Commons. The price comparison is illustrative. No price reduction or seller response is guaranteed.
There Is a Strategy Behind Every Offer.
Before submitting an offer, I'll look at comparable home sales, the property's condition and time on the market, and the circumstances surrounding the listing. We'll use those details to choose a price and terms that make sense for you.
Research the Home and Market
Review recent comparable sales, listing history and property condition to identify reasonable opportunities to negotiate.
Use an Offer-Specific Preapproval
When appropriate, I'll coordinate with your lender to request an accurate preapproval letter tailored to the offer amount. It shows we're prepared while reflecting legitimate lender approval.
Negotiate With Experience
I'll present the offer professionally, address counteroffers and work to convince the seller that our price and terms deserve serious consideration.
My Goal: Pay Less, Buy Smart.
I've had success negotiating below asking price in past transactions, and I'll work hard on your behalf. No one can predict how a seller will respond, but you'll have a dedicated advocate working to achieve the best deal possible.
Results vary by home, market conditions and seller decisions. Any preapproval letter must accurately reflect a lender's review and approval; no price reduction or acceptance can be promised.
07
Buyer savings strategy number seven
Experience That Works for You
Proven experience. Smart strategies. A dedicated advocate in your corner.
The experience behind the entire plan
More Than Finding a Home. It's About Getting the Best Deal We Can.
Choosing a real estate agent means choosing who will stand beside you during one of life's biggest purchases. I've spent more than 26 years helping buyers and sellers navigate real estate, and I've sold more than 650 homes. My experience shapes every step of how I work for you.
Brett Smith | LPT Realty
Experience You Can Put to Work for Your Next Home.
26+Years of Real Estate Experience
650+Homes Sold
From tracking down promising properties and evaluating value to negotiating offers, reviewing expenses, and coordinating the purchase process, I bring years of hands-on experience to the table.
My goal is to help you buy with confidence, avoid unnecessary costs, and pursue every reasonable opportunity to save.
One experienced agent. Seven ways to save.
Here's What I Bring to the Table
Each of the first six strategies can offer value on its own. Together, they form a complete approach to finding the right home, negotiating strong terms, and keeping more of your money working for you.
No Additional Buyer Broker Fee
I don't add the separate buyer-broker administrative fee described in Point 1.
My $2,000 Buyer Rebate
A rebate at successful closing, applied in an eligible way that helps you with your purchase.
Lender Competition
Connections with multiple lenders so you can compare competitive rates, costs, and loan terms.
Seller-Paid Closing Costs
A strong effort to negotiate seller contributions toward your allowable closing costs.
Down Payment Assistance
Explore Nevada programs that may help qualified buyers with down payment or closing expenses.
Price Reduction Strategy
Experienced offer preparation and negotiation aimed at reaching a favorable purchase price.
My Promise: Work Hard for You From Start to Finish.
There are no guarantees about a seller's response, financing, or specific savings. But you can count on me to bring my experience, effort, and negotiating skills to your home purchase. Let's put all seven points to work and pursue the strongest overall deal we can.
Illustrative success image featuring a sold home and house keys.
Have Questions About My Buyer Savings Plan?
Let's put all seven savings strategies to work for your goals. With 26+ years of experience and 650+ homes sold, I'll help you explore savings, financing, and smart negotiations as we plan your next home purchase.