7 Best Flat Fee Buyer's Agents in San Francisco

San Francisco’s real estate market is one of the most competitive and expensive in the country. Traditional commission-based real estate services often leave buyers paying high fees without clear cost savings or benefits.

Flat fee buyer’s agents offer a smarter alternative with transparent pricing and potential savings. In a city where home prices often exceed $1 million, reducing costs without sacrificing expert guidance can make a substantial difference. Buyers looking for predictable fees and modern tools are turning to these services for a more efficient home buying experience.

This guide highlights the top flat fee buyer’s agents in San Francisco. Each service offers a unique approach to helping buyers secure a home while keeping costs under control.

Why flat fee buyer’s agents matter in San Francisco

San Francisco’s housing market remains one of the priciest in the country. With the median home price hitting $1.4 million and single-family homes averaging $1.6 million, buyers need every opportunity to save. One of the most effective ways to cut costs is by rethinking how buyer’s agent fees are structured.

Traditional buyer’s agents typically charge 2.5-3% of a home’s price. On a $1.4 million property, that amounts to $35,000-$42,000, adding significantly to your overall expenses. In contrast, flat fee buyer’s agents charge a set rate, regardless of the home’s value. This approach allows buyers to save tens of thousands of dollars they’d otherwise spend on commission fees.

Changes in the real estate industry have also shifted how commissions are handled. Buyers are now often responsible for negotiating and covering their agent’s fees directly. Flat fee buyer’s agents offer a straightforward and cost-effective solution, replacing percentage-based commissions with transparent, fixed pricing that leaves more money in the buyer’s pocket.

7 best flat fee buyer’s agent companies

Flat fee buyer’s agents are changing how homebuyers in San Francisco approach real estate transactions. Instead of paying a percentage-based commission, which can easily surpass $40,000 in a market where the median home price is $1.4 million, buyers can now opt for a fixed rate. This shift allows buyers to save significantly while still receiving professional guidance, negotiation expertise and, in some cases, rebates to offset closing costs.

The following companies were chosen based on three criteria: cost savings, service offerings and local knowledge. Cost savings were evaluated by comparing total fees to traditional commission models, as well as the availability of rebates. Service offerings were assessed to ensure key elements like home tours, offer preparation, disclosure review and closing support were included. Local knowledge considered the agent’s familiarity with San Francisco’s unique housing trends, competitive bidding environment and neighborhood-specific pricing.

Buyers should carefully compare pricing structures and service options when selecting an agent. Some flat fee models involve upfront payments, while others deduct fees from the commission provided by the seller. The level of service also varies—some agencies provide comprehensive support, while others only handle specific parts of the transaction. The best choice depends on how much assistance buyers need and the savings they want to achieve.

1. TurboHome

TurboHome redefines home buying in San Francisco with its fixed $7,500 fee for most properties. Unlike commission-based agents, its salaried professionals combine expertise with AI-driven tools to evaluate pricing, review disclosures and simplify the process. Buyers can also claim a generous rebate, often exceeding $25,000, which they can use as cash or to reduce mortgage costs.

Key features

• Flat $7,500 fee: Removes percentage-based commissions, offering significant savings
• AI-powered valuation tools: Provides detailed market insights for competitive offers
• $25,000+ rebate potential: Available as cash or to lower mortgage interest rates
• Free private home tours: Includes up to 15 no-cost showings with licensed agents
• Full-service support: Covers offer preparation, negotiations and closing management

Pros

• Clear, predictable pricing: No surprise fees or commission-based calculations
• AI-backed analysis: Delivers precise data for smarter decision-making
• Client-focused incentives: Salaried agents prioritize buyer outcomes over commissions

Cons

• Geographic limitations: Currently operates in California, Texas and Washington, with plans to expand
• Property search responsibility: Buyers handle finding homes before TurboHome manages the transaction

TurboHome is a standout choice for buyers in San Francisco’s high-stakes market. Its low flat fee, advanced analytics and rebate opportunities make it an efficient, budget-friendly alternative to traditional real estate agents.

2. CA Flat Fee

CA Flat Fee uses a straightforward pricing structure for buyer representation, requiring a $500 upfront retainer and a $5,000 flat fee at closing. Initially centered on Southern California markets like Los Angeles and San Diego, it has extended services to include select Bay Area transactions. While the fixed fee can offer savings compared to traditional commission models, the upfront retainer may deter buyers looking for zero initial costs.

Key features

• Fixed pricing: A $500 retainer is paid upfront, with $5,000 due at closing instead of a percentage-based commission
• Regional expertise: Focuses on Southern California with limited services in the Bay Area
• Comprehensive support: Covers negotiations, contract review and transaction coordination

Pros

• Transparent fees: Buyers have clear cost expectations without percentage-based commission uncertainty
• Traditional agent services: Offers hands-on representation throughout the buying process
• Savings on high-value homes: May cost less than commission-based agents for expensive properties

Cons

• Non-refundable retainer: The $500 upfront payment is forfeited if the purchase doesn’t close
• Limited Bay Area availability: Primarily serves Southern California with fewer resources for San Francisco buyers
• No advanced technology tools: Lacks AI-driven analysis for pricing, disclosures or market risks

CA Flat Fee could appeal to buyers who are comfortable paying a small retainer and value a fixed-cost approach. However, its limited presence in San Francisco and lack of tech-powered tools may make it less practical for buyers seeking data-driven insights or larger rebates. For those navigating the Bay Area’s competitive market, options with broader coverage and advanced technology might be more compelling.

3. Flat Rate Realty

Flat Rate Realty offers a budget-friendly option for buyers by charging a flat $4,700 fee upfront and providing a 70% commission rebate at closing. This setup can deliver meaningful savings, particularly for higher-priced properties. However, the company has a more established presence in Southern California, with fewer resources dedicated to Northern California markets like San Francisco. Buyers should carefully evaluate how the upfront cost balances with potential rebates, which depend on the commission offered by the seller.

Key features

• Flat $4,700 fee: A fixed payment required upfront, regardless of the home’s price
• 70% commission rebate: A significant portion of the commission is credited back to buyers at closing
• Transaction guidance: Includes help with negotiations, paperwork, and closing procedures
• Agent-matching service: Connects buyers with agents from a pool rather than in-house professionals

Pros

• Large rebate potential: Buyers can recover a substantial share of the agent commission
• Fixed pricing: The flat fee ensures costs are transparent and do not increase with home value
• Standard buyer services: Provides basic representation, including contract review and closing support

Cons

• Upfront payment required: The $4,700 fee must be paid before closing and may not be refundable if the deal doesn’t close
• Weaker presence in Northern California: Fewer resources and agents available in the San Francisco area compared to Southern California
• Lacks technology tools: Does not offer AI-powered valuation or automated disclosure insights

Flat Rate Realty could be a fit for buyers who prioritize saving on commissions and are comfortable with an upfront fee. Still, those who want local expertise, cutting-edge analytics, or a more streamlined approach to buying in San Francisco may find other options more compelling.

4. FlatFeeBuyers

FlatFeeBuyers charges a straightforward $9,999 flat fee for buyer representation, appealing to those purchasing higher-priced homes who want to reduce costs. Instead of relying on percentage-based commissions, the company rebates any remaining buyer’s agent commission after deducting its fixed fee. While this approach can lead to significant savings, the service lacks the advanced tools and interactive features available with more tech-driven options.

Key features

• Flat $9,999 fee: Applies to any home price, offering predictable costs upfront
• Commission rebate: Returns any commission above the $9,999 fee to the buyer at closing
• Licensed contractor insights: Includes guidance on renovation feasibility and construction quality
• Investor-specific services: Offers support for cash flow evaluation, loan coordination and property analysis
• Negotiation assistance: Helps with offers, comparable market data and closing paperwork

Pros

• Cost efficiency for high-value homes: Savings grow with property price compared to traditional commission models
• Flexible rebates: Buyers can allocate rebates toward closing costs, offer adjustments or price reductions
• Renovation expertise: Licensed professionals provide input on structural integrity and potential upgrades

Cons

• No modern tech tools: Lacks AI-powered pricing analysis or automated disclosure reviews
• Self-driven property search: Buyers must take the lead in finding listings before representation kicks in
• Limited guidance for new buyers: Less hands-on support may not meet the needs of first-time buyers

FlatFeeBuyers works well for seasoned buyers who can manage much of the home search process independently and want to save on commissions. However, those seeking AI-driven insights, more tailored support or a tech-enabled experience may find other services more aligned with their needs.

5. Prevu

Prevu uses a commission rebate model that refunds a portion of the buyer’s agent fee after closing. Its Smart Buyer™ Rebate can provide up to 2% back on eligible transactions, though the final amount often varies based on the property and market conditions. While the platform offers built-in tools for searching and managing transactions, its salaried agents may deliver less personalized guidance compared to agents incentivized by commissions.

Key features

• Smart Buyer™ Rebate: Up to 2% back on purchases, with rebate amounts subject to state regulations and lender approval
• Salaried agents: Agents work on a salary rather than commission, potentially reducing conflicts of interest but limiting tailored service
• Online transaction platform: Buyers can search listings, book tours and submit offers digitally
• Market availability: Services are offered in select areas like California, New York and Massachusetts, but coverage is limited elsewhere

Pros

• Rebate savings: Refunds at closing can help with expenses like mortgage costs or renovations
• Integrated technology: Digital tools simplify property searches and reduce the need for constant agent communication
• Comprehensive support: Includes negotiations, contract reviews and closing assistance

Cons

• Variable rebates: Rebate amounts depend on lender approval and property specifics, adding uncertainty
• Smaller agent pool: Fewer agents may lead to slower response times in competitive markets like San Francisco
• Less personalized service: Salaried agents could be less invested in delivering proactive guidance

Prevu works best for buyers who value a tech-focused platform and are comfortable handling parts of the process on their own. However, those looking for consistent savings, faster agent responsiveness or advanced tools like AI-driven analysis may find other flat fee services more suitable.

6. Arrivva

Arrivva charges a flat $9,750 fee for buyer representation, offering an alternative to percentage-based commissions. The company takes a firm stance against dual agency, meaning it refuses to represent both the buyer and the seller in the same transaction, which it claims reduces conflicts of interest. While its Slack-based communication provides a streamlined way to manage updates, buyers should confirm whether Arrivva operates in their specific Bay Area county, as its coverage is not comprehensive.

Key features

• Flat $9,750 fee: A fixed fee replaces traditional commission models
• Commission rebate: Any commission offered by the seller above Arrivva’s fee is rebated to the buyer, often amounting to significant savings
• No dual agency: Focuses solely on the buyer’s interests by avoiding dual representation
• Slack communication: Centralizes updates and client interactions through Slack rather than phone or email
• Mortgage services: Provides in-house financing options alongside representation

Pros

• Transparent flat fee: Buyers avoid commission costs that increase with higher home prices
• Rebates for high-value homes: Buyers may receive substantial refunds on seller-offered commissions
• Efficient communication: Slack provides a quick, centralized platform for updates and negotiations

Cons

• Limited service areas: Buyers need to verify if Arrivva operates in their county before committing
• Unconventional communication style: Slack may not suit buyers who prefer phone calls or face-to-face discussions
• Self-guided home search: Buyers must locate prospective properties independently
• Transactional approach: The tech-heavy model may lack the personalized support of more traditional buyer’s agents

Arrivva’s model is ideal for buyers who value upfront pricing and are comfortable with a tech-driven process. However, its limited regional coverage and reliance on digital communication might not appeal to those seeking more personalized guidance or broader availability.

7. Redfin

Redfin combines technology with salaried agents to offer a hybrid approach to real estate transactions. Buyers can receive a rebate of about 0.4% at closing, though the exact amount depends on the deal. While its platform is known for its home search tools, the team-based agent model might not provide the personalized attention buyers expect from a dedicated representative.

Key features

• 0.4% commission rebate: A partial refund is offered at closing, subject to lender approval
• Integrated search platform: Includes MLS listings, price history, and automated home value estimates
• Team-based agent model: Buyers interact with multiple agents rather than a single point of contact
• Instant tour scheduling: Easy-to-use app lets buyers schedule home tours quickly
• Redfin Estimate tool: Delivers automated property valuations using recent sales data

Pros

• Familiar platform: A widely recognized brand with a large user base
• Convenient scheduling: App makes booking private tours straightforward
• Comprehensive property search: Combines listings, price data, and valuation tools in one place

Cons

• Smaller rebate: The 0.4% refund is lower than rebates offered by many boutique flat fee agencies
• Impersonal service: Team-based structure may limit the level of individualized guidance
• Reduced negotiation focus: High transaction volume could affect agent responsiveness

Redfin is a practical choice for buyers confident in managing much of the process independently. For those seeking higher rebates, advanced valuation tools, or personalized service, a flat fee buyer’s agent may be a better fit.

FAQs about flat fee buyer’s agents in San Francisco

Can I tour homes privately with a flat fee agent in SF?

Flat fee agents do offer private tours, but the number included without charge differs by company. Some cover a specific number of free showings, while others may charge a fee after reaching the limit. It’s a good idea to review the tour policy in advance, especially if you’re planning to visit multiple homes.

Is there a downside to getting a commission rebate?

Rebates can reduce your costs, but lenders often treat them as credits toward closing expenses. This can influence how much cash you’ll need at closing or how the rebate is applied. To avoid surprises, check with your lender early to clarify how they handle rebates.

What if the seller refuses to pay the buyer’s agent fee?

Sellers aren’t obligated to pay a buyer’s agent fee, and some may offer little or no compensation. If this happens, buyers can negotiate the fee into the offer price, pay the agent themselves, or work with a flat fee service to keep costs low. Understanding fee structures ahead of time can help you plan your approach.

Should I disclose my rebate to my lender?

Yes, rebates must be disclosed to your lender since they can affect loan details and closing costs. Most lenders apply rebates toward closing expenses, though policies differ, and some may limit how the funds are used. Talk to your lender early in the process to ensure everything aligns with your financing plan.

Key takeaways for San Francisco homebuyers

Flat fee buyer’s agents offer a smart way to save money in one of the most expensive housing markets in the U.S. By opting for a set fee instead of percentage-based commissions, buyers can reduce costs and direct their savings toward closing expenses, home improvements, or reducing their mortgage rate. Many flat fee services also provide commission rebates, making home purchases even more affordable without sacrificing quality support.

Finding the right agent requires comparing fixed fees, rebates, and service features to determine what fits your buying strategy. Some services excel in affordability, while others focus on advanced technology or larger rebates. Buyers should assess whether they prefer personalized agent support, data-driven tools, or a combination of both to stand out in San Francisco’s competitive market.

Flat fee models remove unnecessary costs and create a transparent, buyer-focused experience. TurboHome blends licensed agent expertise with AI-driven insights so buyers can act quickly and confidently while saving thousands. Get started today!