Your realtor
pays you.
Eligible Southern California buyers can receive thousands of dollars back at closing — while getting full-service representation, at no extra cost.
Local Southern California experts
Full-service buyer's agents across 49 SoCal cities — from the coast to the canyons.
Up to 1% back
Get up to 1% of the purchase price returned to you in cash at closing.
Full-service representation
Tours, offers, negotiation, inspections, and escrow — at $0 extra cost to you.
How the cash back rebate works
The seller pays our 2.5% commission. We keep 1.5% to run the brokerage and return 1% of the purchase price to you — while doing everything a traditional agent does.
Connect before you tour
Reach out before your first showing. For new construction especially, builders require your agent to register you on the first visit (or online) to recognize representation and pay the co-op commission that funds your rebate.
Sign a quick agreement
We send a short digital buyer-representation agreement confirming we represent you — and that your 1% rebate is yours in writing.
Get pre-approved
A lender pre-approval makes your offers stronger and is required if your rebate will be applied as a closing credit. Our sister company, Save Financial, can pre-qualify you free.
Tour homes
Preview homes online or drive the neighborhoods. When you're ready, we arrange private showings and get you access to the ones you love.
Offer & negotiate
We negotiate price, seller and builder incentives, timelines, and contingencies — all in your favor.
Get your rebate at closing
At close of escrow, up to 1% of the purchase price comes back to you — as cash, a closing-cost credit, or a rate buydown.
Full service. Real expertise. Money back.
The rebate never comes at the expense of service. We simply run leaner than a traditional brokerage — and pass the savings to you.
Fully licensed & transparent
California DRE #02232009. The rebate is disclosed in your Buyer Representation Agreement and to your lender from day one.
Every service included
MLS access, offer writing, negotiation, inspection coordination, escrow management — all included. Nothing is cut.
Truly local expertise
Our agents know SoCal neighborhoods, school districts, HOAs, and micro-markets — not just the MLS data.
What buyers actually receive
| Purchase price | Traditional agent | Portfolio Home Realty |
|---|---|---|
| $700,000 | $0 back | $7,000 back |
| $900,000 | $0 back | $9,000 back |
| $1,200,000 | $0 back | $12,000 back |
| $2,000,000 | $0 back | $20,000 back |
| $4,500,000 | $0 back | $45,000 back |
Rebate is 1% of purchase price. No cap. Subject to lender approval. Seller must offer buyer-agent compensation. DRE #02232009.
49 cities. One promise: 1% back.
Same cash back in every city. Same full-service representation. Across Los Angeles County and Orange County.
Rated 5.0 on Google
"This is my third purchase / refinance with Mike. He always gets me the best deals, is very responsive, and he went off his way to make sure everything went as planned. I would highly recommend Portfolio Home Realty to anyone."
"I had a fantastic experience buying a house with Mike. His expertise and advice were spot on, and his customer service was out of this world. I'm so grateful to Mike and his team for making this such a smooth process."
"Portfolio Home Realty made the home-buying process remarkably straightforward. Their deep knowledge of Southern California's real estate market was evident throughout the entire process. Highly recommend."
"I couldn't be more impressed with their services. Their team offers an extensive range of real estate solutions and exceeded all our expectations from start to finish."
"Mike and his team gave us outstanding service from start to finish and exceeded all our expectations. Thanks!"
"Professional, knowledgeable, and answered every question I had. They helped me buy my first home with ease. If I was to buy another house I would go back again."
Buyer rebates in California
When you buy, the seller typically pays the buyer's agent 2–3% of the purchase price. We collect that commission, retain 1.5% to run our brokerage, and rebate 1% of the purchase price back to you at closing. You pay nothing extra — you walk away with money.
No. Our agents provide full-service representation on every transaction: property search, tours, disclosure review, offer writing, negotiation, inspection coordination, and escrow management. The rebate comes from how we structure our business — not from cutting your service.
Per IRS guidance, buyer rebates are generally treated as a purchase-price reduction — not income — and are not reported as taxable income. Every situation is different, so we recommend confirming with your CPA or tax advisor.
Most conventional, FHA, and VA loans allow buyer rebates, though rules vary by lender. We navigate this regularly and work with your lender upfront to structure the rebate compliantly. In some cases, the rebate may be applied toward closing costs instead.
We serve communities across Los Angeles County and Orange County — including Newport Beach, Beverly Hills, Malibu, Santa Monica, Manhattan Beach, Irvine, Laguna Beach, and 42 more. See our Cities section above.
On a $4.5M Beverly Hills purchase, your rebate is $45,000. On a $10M Malibu estate, that's $100,000 returned at closing. The rebate scales directly with the purchase price — especially impactful on SoCal luxury properties.
Talk to an agent —
no commitment.
Tell us your target city and budget. We'll walk you through exactly how much cash back you'd receive and how the process works — no pressure, no obligation.
Free guides for SoCal buyers
Not pre-qualified yet? Get pre-qualified free at iLoanCA →
How the 1% rebate actually works
Seller pays 2.5%, we keep 1.5%, you get 1% at closing. Here's the step-by-step.
Read article →Complete first-time buyer guide for SoCal
Everything from pre-qualification to close of escrow — for LA and Orange County buyers.
Read article →Newport Beach real estate market 2025
Median $2.45M. What buyers are doing to win — and how to get $24,500 back at closing.
Read article →Buy smarter in Southern California
Ready to buy in Southern California?
Free consultation. No obligation. Find out exactly how much cash back you'd receive on your dream home.