FOXmls.com: Jan 27, 2010

Umbrella Insurance and Homeowner Liability

Published: January 27, 2010

Umbrella insurance offers added homeowner liability protection that kicks in after homeowners insurance reaches its coverage limits.

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When a property is listed for sale with a real estate agent ("Listing Agent"), the Listing Agent historically offers a 3.0% commission to the real estate agent ("Buyer's Agent") who procures the buyer.

In this case, FOXmls.com acts as a Buyer's Agent to assist the buyer in the purchase of a home. As a Buyer's Agent, FOXmls.com will receive a commission from the Listing Agent. FOXmls.com will share ("Refund") any commission received over 1.5% with our client, the buyer. Our Refund is subject to lender approval, and there may be restrictions with VA or FHA loans. Your Refund cannot be used as part of your down payment or to meet the capital reserve requirements of your loan program.

The Buyer will receive representation during the purchase transaction and FOXmls.com, as the Buyer's Agent, will work hard to get the Buyer the home wanted at the best price and terms possible.

Transaction Example:
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SELLER
PAYS 6%
COMMISSION

Commissions

are split...

3% TO
LISTING
AGENT

3% TO
BUYER
AGENT

Any commission over
1.5% is shared with
you, the Buyer.

1.5% TO YOU
HOME BUYER

1.5% TO US
BUYER AGENT

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As REALTORS®, since 1995, we have saved our clients between 50% and 100% of the commission while advertising their property on the REALTOR® MLS, REALTOR.com, Trulia, Zillo, C21, Re/Max and hundreds of web sites. Approximatly 20% of our sales are sold without any commissions being paid. Our SmartAd Virtual Marketing system routes all consumer calls directly to you bypassing all commissions. Learn more about the difference between a Traditional REALTOR and Us! Following is a summary of our Flat Fee Plan: