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Down Payment Assistance
 

Buying a home may be more within reach than you think. Many buyers are surprised to learn there are Down Payment Assistance programs designed to help with upfront costs and in some cases, even closing costs too. Whether you're a first-time buyer or returning to the market, these programs can make homeownership more affordable and accessible.

 

We work with trusted lenders who specialize in identifying available grants and assistance programs based on your unique situation. In just a few minutes, you can see what you may qualify for and take the next step toward owning your home with confidence.

Click below to explore your options and discover how much assistance you could receive. Your path to homeownership might be closer than you think.

Downpayment Assistance

The History of Real Estate

100+ years of real estate compensation explained in 2 minutes. 



Unmasking the New Transparency Rules

What You Need to Know About Agency & Compensation Changes

Welcome to Epique Realty's Buyer Representation Information Hub! This site is designed to help you understand the Buyer Representation Agreement and how it impacts your relationship with your agent. We’re here to make the process clear, transparent, and straightforward, so you feel confident every step of the way. Whether you’re new to real estate or an experienced buyer, we provide the information you need to make informed decisions and get the most out of your partnership with Epique Realty.

Understanding Your Buyer Representation Agreement

 

When you sign a Buyer Representation Agreement with Epique Realty, you’re entering into a partnership with your agent to help you find and purchase the right property.

Your Commitment:

You’re choosing Epique Realty as your exclusive agent to assist in your property search, including negotiating contracts and handling paperwork.

Our Services:

We will represent you in the market, negotiate on your behalf, and guide you through every step of the buying process.

Compensation:

Our commission is typically paid by the seller, but if not, we’ll discuss how it will be covered. This is all negotiable, and we’re here to make sure it works for you.

Fair Representation:

We may work with other buyers interested in similar properties, but our goal is to get the best outcome for you.

MORTGAGE CALCULATOR

Use this calculator to determine how much house you can afford. By entering details about your income, down payment, and monthly debts, you can estimate the mortgage amount that works with your budget.
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Your debt-to-income ratio is 35%
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Payment Breakdown：
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Pursuant to the requirements of the proposed Settlement Agreement, the MLS policies and model MLS governing documents were reviewed and updated with the key changes below.



1. Eliminate and prohibit any requirement of offers of compensation in the MLS between listing brokers or sellers to buyer brokers or other buyer representatives.

2. Retain, and define, "cooperation” for MLS Participation.

3. Eliminate and prohibit MLS Participants, Subscribers, and sellers from making any offers of compensation in the MLS to buyer brokers or other buyer representatives.

4. Require the MLS to eliminate all broker compensation fields and compensation information in the MLS.

5. Require the MLS to not create, facilitate, or support any non-MLS mechanism (including by providing listing information to an internet aggregator’s website for such purpose) for Participants, Subscribers, or sellers to make offers of compensation to buyer brokers or other buyer representatives.

6. Prohibit the use of MLS data or data feeds to directly or indirectly establish or maintain a platform of offers of compensation from multiple brokers or other buyer representatives.
Such use must result with the MLS terminating the Participant’s access to any MLS data and data feeds.

7. Reinforce that MLS Participants and Subscribers must not, and MLSs must not enable the ability to, filter out or restrict MLS listings that are communicated to customers or clients based on the existence or level of compensation offered to the cooperating broker or the name of a brokerage or agent.

8. Require compensation disclosures to sellers, and prospective sellers and buyers.

9. Require MLS Participants working with a buyer to enter into a written agreement with the buyer prior to touring a home.
These policy changes were approved by the NAR Leadership Team and will be effective on August 17.

For additional information go to: https://www.nar.realtor/the-facts.

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