Yes, this is a topic and idea that surfaces frequently.
It is understandable.
Buyers today seem to have adopted a 'religion' that compels them to ask and keep on asking and ask for more until someone says, NO. From all the silly stuff on the inspection report to the furniture grab, buyers practicing the principles of 'NO' are obligated to keep on asking. Home owners need to understand that "NO" is an option also. However, they need to say NO the American way so the practitioners of NO don't get offended.
It's surprising that these buyers practicing the "NO" religion, NEVER reveal their intentions to rob their agent. They tend to prefer the 'ambush.'
A real professional will look you straight in the eye and give you exactly what you need.
A non-blinking, unwavering - NO!
Maybe even a He** NO!
Let me assure you, you will lose the house.
You will lose your inspection money.
You will lose the appraisal money
You will lose your deposit.
And if you had any respect, you should lose that also.
Let me be clear. agents DO have such programs. I have one. If that is your intention tell me so and I will enroll you in the "Buyer Elite Plan" that delivers exactly what you want. Honesty is always the best policy. Say what you want. Reveal your intentions. You would be surprised how accommodating real estate professionals can be. However, betrayal, as you suggest, will have consequences.
What you may want to consider is ambushing your mortgage broker with your rebate ambush. They have the same compensation structure.
How about the home inspector you will hire.
How about the folks who will have your possessions on the truck, they will be also receptive to your rebate ambush.
Let's not leave out the dentist, the taxi driver, your heart surgeon, your lawn guy, your attorney, accountant, and the roofer, and don't overlook the checkout line at the grocer. You can actually do it there.
Now, don't overlook the obvious. Tell your employees you want 1% of their paycheck so you can buy furniture. Perhaps you will be delighted when your employer ambushes you with a political contribution opportunity you can't refuse. Hopefully the message is sinking in. Of course, if you truly are unworthy of the money you are paid, unworthy of the agreed upon compensation, I can understand your confusion and delima.
The percentage usually accepted? Go for 100%. The 'NO' will be just as clear.
Now, there is another way to achieve exactly the same thing (a common practice of mortgage brokers and attorneys) without revealing your dark side. Of course I'll not share that.
Best of success to you,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL