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  • brittanyeotw

Updated: Apr 1

Have you heard?

I know you must have heard or read some of the outlandish headlines about the real estate industry ending because of the NAR Settlement.

I can assure you that as a real estate agent, the changes that are coming our way will do either 1 of 2 things:

  1. Keep your business fairly moderate or at pace

  2. Destroy your career completely

I will explain later why I believe this, but first I want to break down what’s happening right now and what it means from the buyer and seller's perspectives as well as how it will affect the businesses of some real estate agents.


There was a lawsuit filed in Missouri federal court by a group of home sellers against the National Association of REALTORs (NAR) as well as some of the most renowned real estate companies in the United States. This list includes:

  • Anywhere 

  • Berkshire Hathaway

  • Keller Williams

  • HomeServices

  • RE/MAX


Sellers believe that real estate commissions are too high and that buyer’s agents are being compensated too much and NAR’s Code of Ethics and MLS handbook among other practices lead to inflated commissions.

My Thoughts:

  • As professionals, we must take responsibility for our lack of communication when it comes to commissions AND the contracts and your role as a representing agent. Compensation should always be spelled out verbally to your clients. Clearly communicating who is compensated and how they will be compensated will eliminate all confusion on “expensive" commissions

  • All commissions are negotiable by law. Legally, real estate agents cannot collaboratively  set commission rates. It has always been negotiable. NAR also does not set commissions.

  • The Sherman Antitrust law prohibits price-fixing or the practice of multiple real estate agents in an area from working together to charge the same commission rate.

  • It’s time to really laser focus on communicating our value as a buyers agents just as well as listing agents. Maybe clients aren’t sure what it is that we do to get the job done of selling and listing homes. Maybe it’s our value proposition that actually needs work. Whatever it may be, now is the time to incorporate more into your servicing clients.

The Settlement: The Settlement must be approved by a judge.

As it reads, at under paragraph titled Changing Business Practices:

“The settlement agreement also mandates two key changes to the way members and MLS participants do business.

  1. NAR agreed to create a new MLS rule prohibiting offers of compensation on the MLS. This would mean that offers of compensation could not be communicated via an MLS, but they could continue to be an option consumers could pursue off-MLS through negotiation and consultation with real estate professionals.

  2. NAR also agreed to create a new rule requiring MLS participants working with buyers to enter into written agreements with their buyers before the buyer tours a home. NAR has long encouraged its members to use written agreements to help consumers understand exactly what services and value they provide, and for how much.”

So, to revisit why I said the changes that are coming our way will do 1 of 2 things which are

  • Keep your business pretty moderate or at pace

  • Destroy your career completely

I believe that if you are already operating your business from a place of contribution with your client always at the top of mind and you are communicating your value, then your client will trust you and believe in you and your ability to sell or list a home. 

On the other hand, since some buyers are not accustomed to signing agreements prior to going on showings and agents do not have processes in place or are afraid to ask for the agreement, well they will suffer. 

So, it’s make or break time for some of us. Hopefully this is just an opportunity to sharpen up our tactics and build better businesses for our clients. If you want to stay up-to-date with the settlement and the changes that will be happening, click the link:

Click the link below to book a call with me today!

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  • brittanyeotw

Many homebuyers face the same issue when it comes time to purchase a home. You’re pulling money from under the mattress and digging out that shoe box for cash, just to be able to come up with the down payment. 

Of course you can save every dime from your check for a few months to save up for your down payment or you could ask a friend or family member for a gift, but these options still cause for a financial audit which doesn’t technically make your situation easier, just a tad bit more convenient. 

The Georgia Dream Homeownership Program offers a new option to potential homeowners that could open the door to homeownership for more buyers. 

What is the Georgia Dream Homeownership Program?

This program offers affordable mortgages and down payment assistance to eligible and qualified home buyers. This could save you time and money in your home buying process, if you are qualified.

 So now, who is actually qualified for the program?

Who could qualify for the Georgia Dream Homeownership Program?

  • First time home buyers

  • Buyers who have not purchased a home in 3 years

  • Buyers who buy in certain areas

  • Applicants with a household income of up to the maximum requirement

  • Applicants with liquid assets of up to $20,000 or 20% of the sales price (whichever is greater)

  • Applicants who meet mortgage and loan credit requirements


Home buyer counseling is required for all Georgia Dream Loans. Required counseling form a list a HUD-approved agencies can be found at or you can find a list of DCA-certified housing counseling agencies at 

Required counseling:

  • Borrowers must attend and complete a homebuyer education workshop or,

  • Attend and complete an individual housing counseling sessions or,

  • Attend and complete an online homebuyer education course through E-home America

 (Borrowers must contribute a minimum of $1000 to the purchase.)

Maximum Household Income Required (Subject to change)

I personally cater to the Metro Atlanta area, so here are the requirements for Atlanta-Sandy Springs-Roswell, GA areas 

  • County: (including Barrow, Bartow, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Heard, Henry, Jasper, Newton, Paulding, Pickens, Pike, Rockdale, Spaulding or Walton County.

  • Purchase price not to exceed: $350,000

  • Household income not to exceed: 

-  1-2 persons: $86,500

-  3+ persons: $99,500

You can find the list of maximum household income and home sales price at www.GA Dream Brochure 

There’s nothing like buying a brand new home with minimum cash down and a great mortgage. Buying a home can be extremely expensive and stressful if you don’t hire the right agent with the right resources for the job. Connect with me to get started in your journey to homeownership today! Start by clicking the link below! 

Type to you next time!

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  • brittanyeotw


My goal for this blog is to reach my military personnel. I am speaking to all of my active duty members, Reserve and National Guard servicemen and all veterans of all branches. 

Many people don’t know this, but when I was 19, without consulting any friends or family, I decided to join the Army National Guard in Alabama. I was a 12N, a horizontal engineer; My unit excavated land using heavy equipment, deployed more than any other unit in the United States and I was able to see some of the world including passing through Ireland and spending some time in Romania for training. 

The ANG provided a way for me, coming from a poor family, to be able to afford college. (And looking back, it provided so much more than that.) It was an honor and I often think about what it would be like to rejoin.  

I want to first pay my respects to all servicemen. Thank you for your service. Any way that I can give back to all of those who have served, I will, starting with this blog. Here’s what you need to know:

What is the VA Home Loan Guaranty?

The VA Home Loan Guaranty is a guarantee from the VA that in the event of foreclosure or loss, the VA will reimburse the lender.

Who is eligible?

Eligibility for the loan varies based on how you served but in simple terms, active duty and veterans who have with discharged with any status other than dishonorable as well as National Guard or Reserves servicemen and veterans who have an honorable discharge may be eligible.


Certain spouses may be eligible for some of these benefits– click the link to see the full list of eligibility requirements here:

Why choose VA ?

  • No Down Payment requirement:  VA does not require a down payment- As long as the sales price is at or below the appraised value. Your lender may require a down payment but VA does not.

  • No loan limit: If you are able to afford the loan, the VA will back your loan regardless of the home price.

  • Limited closing costs

  • No PMI: PMI is private mortgage insurance, you can basically call it an additional payment built into your monthly mortgage. With the VA backing your loan, there’s no need for PMI which could save you money. 

Wrapping it up:

Again, my goal is to cater to servicemen and veterans. Any way that I can give back to those who have served, I am up for the task. I hope this helps you to understand the basics of The VA Home Loan. If you want to have a conversation about your own eligibility or your spouse' eligibility, click the link below to get started!


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