Pointe Advantage
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Savings for individuals, a benefit for organizations

Save thousands at closing with cash back on your home purchase or sale

We introduce you to a vetted partner agent where you're buying or selling and stay on your file until you close. Then 10% of your agent's commission comes back to you, or 20% through your employer or organization, usually as a credit at closing.

Buyers apply it to closing costs or a rate buydown. Sellers keep more of their proceeds.

Register for cash backBring it to your organization

Register before you contact an agent. Pointe Advantage never bills you.

Real estate agent? Join the partner agent network

What comes back to you

Example: a $500,000 home and a 3% commission to your agent ($15,000).

On your own10% of your agent's commission
$1,500
Through your employer or organization20% of your agent's commission
$3,000
See the details for buyers and sellers

Illustrative. Cash back is 10% or 20% of the commission your agent is actually paid, usually credited on your closing statement. It requires a partner agent introduced by Pointe Advantage, or Pointe Advantage itself where we represent you. Commissions are negotiable. Subject to lender approval and state law. Important disclosures

How it works

  1. Register

    Tell us where you're buying or selling before you contact an agent: cash back depends on Pointe Advantage making the introduction.

  2. Meet your partner agent

    We introduce a vetted partner agent who knows your market and price range, and we stay on your file through closing.

  3. Get cash back at closing

    10% of your agent's commission comes back to you, or 20% through your employer or organization.

Who pays: Pointe Advantage never bills you. Its referral fee is paid by your agent's brokerage out of the commission, and part of it comes back to you.

Your cash back is usually credited on your closing statement. If a credit isn't possible, Pointe Advantage pays you by check after closing, where your lender and state law allow it. Subject to lender approval and state law; not available in every state. Important disclosures

Put your cash back toward closing costs or a lower rate

Example: $500,000 home · 3% commission ($15,000) · 20% down ($100,000) · $400,000 loan · 30-year fixed rate · As of September 24, 2026 Notes on this example, at the bottom of the page

On your own

$1,500 toward closing costs

$1,500 cash back (10% of the commission)

7.000% APR7.000% interest rate

  • In this example it all goes toward closing costs: $1,500 is 0.375 point, less than the 0.5 point ($2,000) one rate step costs.
  • Principal and interest: 360 monthly payments of $2,661.21. Taxes and insurance are not included, so your actual payment will be higher.

Through your employer or organization

About $12,000 less interest over 30 years

About $10,000 after the $2,000 in points Assumptions behind this figure, at the bottom of the page

$3,000 cash back (20% of the commission)

6.924% APR6.875% interest rate

  • In this example, $2,000 of it pays 0.5 point, which lowers the rate one step (1/8 percentage point) from 7.000% (7.000% APR). The other $1,000 goes toward closing costs.
  • Principal and interest: 360 monthly payments of $2,627.72, $33.49 less than without points. Taxes and insurance are not included, so your actual payment will be higher.

The trade-off

The lower rate pays for itself in about 5 years

Through your employer or organization, the lower monthly payment shown above repays the $2,000 in points in 60 months. Sell or refinance within a few years and putting all $3,000 toward closing costs may leave you ahead. Your lender can price both options.

Choose your next step

Buying or selling?

Cash back is 10% of your agent's commission on your own, or 20% through your employer or organization. Register before you contact an agent.

Register for cash back

Offer it to your people

A no-cost home-buying and relocation benefit for your employees, members and alumni. A short briefing walks you through how it works.

Request a briefing

Real estate agent? Join the partner agent network

Example only, not an offer of credit or a commitment to lend. Pointe Advantage is a real estate brokerage, not a lender: we don't make loans, set rates or points, or refer clients to lenders, and you can use any lender. Cash back is paid from the real estate commission and never depends on which lender, title company or other settlement provider you use. The 7.000% interest rate (7.000% APR) is the Freddie Mac Primary Mortgage Market Survey 30-year fixed-rate average published September 24, 2026, rounded to the nearest 1/8 percentage point. That survey reflects borrowers with strong credit putting 20% down, and many buyers are quoted higher rates; your rate and APR depend on your credit, down payment, loan program, lender and the day you lock. Each APR is for a $400,000 loan repaid in 360 monthly payments, with the first payment due one month after closing. The only prepaid finance charge assumed is the $2,000 in discount points shown (none without points); we count the points as a finance charge even though your cash back pays for them, and your lender may treat that credit differently. Lender fees, prepaid interest, mortgage insurance and other finance charges would raise the APR. Payments are principal and interest only and exclude taxes, homeowners insurance and HOA dues, so your actual payment will be higher; the last payment is adjusted to pay off the loan and may differ by a few dollars. Discount-point pricing varies by lender and changes daily; this example assumes one point (1% of the loan amount) lowers the interest rate by 0.25 percentage point and that rates are priced in steps of 1/8 percentage point (0.5 point, or $2,000, per step here). Interest figures assume the loan is kept all 30 years with no extra payments or refinancing. Cash back can pay points or closing costs only when it is credited on your closing statement; credits can't exceed your actual closing costs or your loan program's limits on contributions from parties to the sale, and are subject to lender approval and state law. Commissions are negotiable; 3% is an example. Back to the rate example