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Category
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Realtors (Buyer’s Agent)
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Builder Sales Associates (On-Site Reps)
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|---|---|---|
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Who They Represent
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Claims to work for you based on code of ethics – May owe fiduciary duty (loyalty, disclosure, etc.) Reality: Not every agent prioritizes you over their paycheck. Some will push whatever closes fastest.
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Works 100% for the builder – no duty to buyer whatsoever
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Commission Paid By
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Paid by the builder
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Paid 100% by the builder
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Fiduciary Duty to Buyer
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Yes on paper – but some agents care more about getting paid than getting a buyer the best house or deal
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None. May say what they need to just to get the sale. Example: Buyers do not need a Realtor or Home Inspector, the builder knows better.
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Pricing & Incentive Negotiation
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May negotiate lower price, bigger incentives, upgrades, closing-cost help
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Only offers the builder’s published deals; rarely reduces price
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Knowledge of the Market
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Usually knows more communities, resale values, builder reputations, incentives
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Knows mainly their own neighborhood & the builder’s script
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Access to Inventory
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Can show you every new-home community + resale homes
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Limited to their community only
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Builder Reputation Insight
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May share real buyer experiences and quality feedback
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Will not speak negatively about their builder
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Lender Choice
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You choose any lender you want
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Pushes (often requires) the builder’s preferred lender
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Direct Cost to Buyer
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Builder sets amount and pays the commission. Some agents add a transaction/coordination fee. In rare cases the agent may ask you to cover any shortfall. (All fees should be disclosed upfront.)
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No direct fee (weaker negotiation often costs buyers indirectly)
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Best For
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Buyers who want broader choice and at least some representation
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Buyers already committed to one community who prefer no agent, and are okay being taken advantage of
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