Real Estate Market in 2025 – Buyer/Broker Agreements

May 23, 2025 | By Beth Meyer
Changes to the real estate market with buyer broker agreements in 2025 make for a more transparent experience.

If you’re stepping into the real estate market for the first time, you might have caught wind of recent news: commission rules have changed, and the way homes are bought and sold is shifting in 2025. While this may sound daunting, the good news is these updates are making the home buying process more transparent—and that’s a win for you!

At Firefighters Community Credit Union (FFCCU), we’re here to make the mortgage game look easy. And as your “player two,” we help first-time buyers navigate the evolving real estate market with confidence and clarity. Here’s what you need to know about what the recent changes are, and how they affect your home-buying journey…

 

The 2025 Real Estate Market: What’s Changing in Commissions?

In response to lawsuits challenging long-standing practices, the National Association of Realtors (NAR) proposed a $418 million settlement in 2024. The details of this are a bit complicated so we’ll break down the direct impacts. One key outcome? Beginning mid-2025, the MLS (Multiple Listing Service) will no longer display buyer agent commission offers.

Here’s what that means for you:

  • Buyer agents are now required to have signed agreements with their clients.
  • Buyers will directly negotiate their agent’s commission.
  • Commissions will no longer be automatically covered by the seller or included in the listing price.

These changes are designed to make the real estate market more competitive and consumer-focused—especially for first-time homebuyers.

 

Why These Real Estate Market Changes Can Benefit You

So what exactly is going to be the impact of the changes? These shifts can empower buyers with more:

  • Transparency: You’ll know exactly what your agent charges and what services they provide.
  • Flexibility: Choose agents offering flat fees, hourly rates, or traditional commission models.
  • Stronger alignment: Buyer agents are incentivized to demonstrate their value and advocate more clearly for your interests.

These updates to the rules might sound like real estate market jargon, but they create a more informed experience for anyone hunting for a house, especially first-time mortgage seekers.

 

Should First-Time Buyers Expect Higher Costs?

While some first-time home buyers may now pay their agent directly, it doesn’t always mean more money out of pocket.

You still have options, such as:

  • Sellers can still offer buyer concessions (i.e. buyer closing costs)
  • Finding agents with competitive or flexible pricing.
  • Buyers still have the same options when it comes to compensating their real estate representatives. That is, the listing brokers can compensate the buyer broker, the seller can compensate the buyer broker, or the buyer can compensate their broker directly. Buyers should still be able to get financing from Fannie Mae, Freddie Mac, and the FHA under these scenarios.

At FFCCU, our team helps you understand how these changes affect your home buying budget—and we make sure you’re not caught off guard at closing.

 

How FFCCU Supports Buyers in Today’s Real Estate Market

Navigating the 2025 real estate market doesn’t have to be overwhelming. When you work with FFCCU, you gain a powerhouse financial partner committed to your success—not a sales quota. Remember – as a credit union, FFCCU is a not-for-profit, so finding sustainable solutions for members is our top priority. Considering your agent’s fees and where they fit into the cost is a part of that equation.

Plus, FFCCU has been a part of the Northeast Ohio community for over 80 years.

Here’s what makes us different:

  • Trusted local expertise: We will help you navigate the mortgage process step by step
  • Our discussions and consultations will include down payment amounts required and projected payments
  • Credit union support: As a not-for-profit, our focus is on helping you thrive—not maximizing profits.

Whether you’re curious about mortgage pre-approval or need help finding a buyer-friendly agent, we’re here to walk you through every part of the home buying process.

 

Let FFCCU Be Your Guide in the 2025 Real Estate Market

You don’t have to face the evolving real estate market alone. At FFCCU, we simplify complex changes, break down your options, and help you move forward with confidence.

Ready to start your journey? Let us help you secure the right mortgage and find the right path toward your first home—with no surprises, just support. Connect with an FFCCU mortgage specialist today and take the first step toward homeownership.

Posted In: Home Buying