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FLAT FEE

BUYER BROKER

$595-$995

Save Money

Keep more in your pocket

Expert Representation

Professional guidance every step

Focused on You

Working for your best interests

FULL VIRTUAL SERVICE FLAT FEE UNMATCHED SERVICE FULL VIRTUAL SERVICE FLAT FEE UNMATCHED SERVICE FULL VIRTUAL SERVICE FLAT FEE UNMATCHED SERVICE FULL VIRTUAL SERVICE FLAT FEE UNMATCHED SERVICE

SOLD

$729,900

Buyer saved $26,500! by not using a full-service agent!

CUSTOMER REVIEW

Bought a Single Family home in 2026 in Rio Verde, AZ.

KEY HIGHLIGHTS

“If you are looking for a hand-holding full-service agent to hold your hand through every minor detail, keep looking. But if you want a high-level strategist who knows exactly where the leverage is in a deal, who steps in exactly when it counts, look no further than Thomas Mastromatto, of Mountain Lake Reality. He doesn’t waste time on the small stuff that a capable buyer can handle themselves; instead, he focuses his elite expertise on the high-stakes moments. He didn’t waste time on the fluff, but his expertise during negotiations and contract review was surgical. He provided multiple cost-saving techniques and industry connections with low rates (e.g., Escrow, Inspectors, etc.). He saved me over $26,500 in commissions and fees without sacrificing an ounce of professional protection. He’s sharp, efficient, and worth every penny.”
Wesley Breshears, March 13, 2026

Buyer saved $26,500! by not using a full-service agent!

SCHEDULE YOUR PLAN

DON'T LOSE THE DEAL.

Keep absolute control, maximize your equity, and stop overpaying commissions. Let’s start your journey today.
602-881-8674
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CONVERSATION IS CHANGING FAST

THE "MY REALTOR IS FREE"

For years, buyers thought their agent was "free."

Today, the industry is moving toward more transparency and clearer communication about how representation works.

Bought a Single Family home in 2026 in Rio Verde, AZ.

When a home is listed, the seller may choose to offer compensation toward the buyer’s agent.

FULL COVERAGE

The seller may cover it fully.

PARTIAL COVERAGE

The seller may cover part of it.

NEGOTIABLE

The amount may become part of negotiations during the offer process.

A SIMPLE EXAMPLE:

If a buyer agreement states 3% compensation, but the seller is only offering 2%, the remaining difference may need to be negotiated depending on the terms of the agreement.

THE MOST IMPORTANT THING:

BAC is not some new "hidden fee." It’s simply a more transparent conversation around how professional representation is structured.

Our Focus

Our focus is on Transparency, Clear Communication, Written Documents, & Consumer Understanding.

Transparency

Open, honest dealings building trust and clarity in every real estate transaction we handle together.

Clear Communication

Direct, proactive updates ensuring you are fully informed and confident at every stage of the process.

Written Agreements

Defined, professional contracts that protect your best interests and solidify our commitment to your success.

Consumer Understanding

Empowering you with expert market knowledge to make smart, informed home buying decisions.

MEET KIM

Kim Evett - An Escrow Officer

Kim Evett is an Escrow Officer at our Magnus Title Agency Kierland Branch. Kim has been in the Escrow business all her life. Kim’s parents owned an Escrow Company in California, and this is where she started her career in 1988. After working for her parents, Kim went on to run a high volume, high end residential desk in Huntington Beach. After moving to Arizona in 2004 and attempting to retire, Kim realized her passion for Escrow was still strong and she returned to the business! When Kim isn’t closing transactions, she enjoys golf, tennis, hiking, and kayaking. Kim prides herself on exceptional communication and technical skills, and has a lifetime of knowledge and experience when it comes to Escrow. She enjoys the challenge that every transaction brings!

PROTECTS EVERYONE

ESCROW Explained Simply

A neutral account that protects everyone and keeps your transaction on track.

Buyer Benefits

Escrow

Holds money & documents safely until all terms of the agreement are completed.

Seller Benefits

FINANICAL INSIGHT

The Real Cost of Waiting

Many potential homebuyers delay their purchase to avoid paying Private Mortgage Insurance (PMI), but this decision often proves to be a significant financial mistake. While paying PMI costs approximately $2,700 annually, waiting to enter the market for a $285,000 home can result in missing out on over $17,000 in potential first-year equity appreciation

 

Ultimately, the true cost of waiting is not the monthly insurance premium, but rather the substantial loss of wealth-building opportunities that come from early market entry. Prioritizing market participation over the avoidance of small monthly fees typically leads to much stronger long-term financial gains.

HOME BUYING ESSENTIALS

Pre-Qualification Vs Pre-Approval

Understand the key differences before you start shopping for a home.

PRE-QUALIFICATION:

Self-Reported Information:

You provide income, debts, and assets.

Quick Estimate:

A ballpark number in about five minutes.

Starting Point:

Typically no verification, typically no credit pull; carries little weight with a seller.

PRE-APPROVAL:

Credit Reviewed:

The lender pulls your credit.

Documents Verified:

Income, assets, and bank statements are reviewed.

Ready to Make Offers:

You receive a conditional commitment to lend a specific amount; sellers and their agents can tell the difference immediately.

WE PROVIDE PROFESSIONAL HELP

Buy Your Home, Keep the Commission

No agent rushing you. No agent holding you back. You’re in charge, with professional help on dema

PROGRAMS WE OFFER

YOUR HOME JOURNEY Starts Here

5 Programs That Can Help First-Time Home Buyers

01

FHA LOANS

02

USDA LOANS

03

VA LOANS

04

DOWN PAYMENT & CLOSING COST ASSISTANCE

05

FIRST-TIME BUYER EDUCATION & GRANT PROGRAMS

LET'S CONNECT

READY TO EXPLORE YOUR OPTIONS?

Let’s connect and create a plan that fits your goals and gets you home.
602-881-8674
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THEN THE APPRAISAL CAME IN LOW

YOUR OFFER WAS ACCEPTED

When you finance a home, your lender orders an independent appraisal to confirm the property is worth what you agreed to pay. If it comes in below your purchase price, that difference falls on you.

COMPARISON & DETAILS

When you agree to purchase a home for $310,000, your lender orders an independent appraisal to confirm its value. If the property is appraised at only $295,000, a $15,000 gap is created. Because your lender only finances based on the lower appraised value, that $15,000 difference becomes your financial responsibility to resolve before the deal can proceed.

YOU HAVE 3 PATHS

COVER THE DIFFERENCE

Pay the gap amount out of pocket.

RENEGOTIATE

Ask the seller to lower the price.

WALK AWAY

If your contract includes an appraisal contingency.

SOME SELLERS NOW REQUIRE AN APPRAISAL GAP CLAUSE

Before they even accept an offer — meaning you commit upfront to covering a set amount above appraised value.

THE PATH TO HOME

A STEP-BY-STEP GUIDE FROM START TO KEYS

GET YOUR FINANCES IN ORDER

Check your credit report, know your debt-to-income ratio, and understand what you’ve saved for a down payment and closing costs.

GET PRE-APPROVED

When buyers realize that they may need to pay their agent (or negotiate) rather than having it baked in, some choose to forgo representation to avoid the fee.

GET YOUR FINANCES IN ORDER

Pre-approval means your income, assets, and credit have been verified by a lender.

FIND A BUYER'S AGENT

Your agent represents your interests exclusively.

START THE SEARCH

The median buyer tours 7 homes before going under contract.

MAKE AN OFFER

Your agent drafts an offer including price, earnest money, contingencies, and closing date.

HOME INSPECTION

Within the first week under contract.

UNDERWRITING

Your lender verifies everything.

APPRAISAL

Your lender confirms the home is worth what you agreed to pay.

TITLE, INSURANCE & CLEAR TO CLOSE

A title company confirms clean ownership.

FINAL WALKTHROUGH

24 to 48 hours before closing.

CLOSING DAY

Sign the paperwork, wire your funds, get the keys.

MISCONCEPTIONS

5 Misconceptions First-Time Home Buyers Still Believe

01

I NEED 20% DOWN TO BUY A HOME

Many loan programs allow qualified buyers to purchase with significantly less down depending on the loan type and eligibility.

02

MY CREDIT HAS TO BE PERFECT

Perfect credit is not required. Many buyers can still qualify while continuing to improve their credit over time.

03

THE MORTGAGE PAYMENT IS THE ONLY COST

There are additional costs to consider: taxes, insurance, utilities, maintenance, closing costs, and potential HOA fees.

04

I SHOULD WAIT FOR THE PERFECT MARKET.

There is rarely a “perfect” market. A better question is: “Am I financially and personally ready to buy?

05

I’LL FIGURE EVERYTHING OUT ONCE I FIND A HOUSE

The most confident buyers prepare early—get pre-approved, understand the process, know their numbers, and build the right team.

FLAT FEE ADVANTAGE

WHY FLAT FEE BUYER BROKER

Affordable expert representation that puts your needs first.

Cost sensitivity / upfront cost awareness

When buyers realize that they may need to pay their agent (or negotiate) rather than having it baked in, some choose to forgo representation to avoid the fee.

Perceived risk-reward tradeoff

Some buyers may decide that in a familiar market or for lower-priced homes, the benefit of representation doesn’t justify the cost.

Barriers to entry / negotiation burden

The requirement to negotiate and disclose compensation up front may deter some buyers from engaging an agent.

Emergence of lower-cost / tech-enabled models

Discount or fintech brokerages (with lower service levels) become more attractive as they may charge lower fees or a la carte services.

Agency selection bias

Buyers who remain represented may gravitate toward more proven agents (with better reputations), contributing to “more experienced agents” being preferr

4242 E Sacaton St Phoenix, AZ 85044

“Thomas did a great job assisting us with the purchase of our house. He was very helpful in assisting with the house purchase process, home inspection and closing, and his price can’t be beat!”

dramrani01

9705 E Mountain View Rd UNIT 1056, Scottsdale, AZ 85258

Highly likely to recommend

“Bought a Townhouse home in 2025 in Scottsdale ranch, Scottsdale, AZ

 

Thomas guided us through the home buying process for a flat fee after we identified the home we wanted and negotiated the price and terms ourselves. We saved a bundle. Thomas introduced us to a title company that did a wonderful job. Although Thomas had an automated out of office email response set, he always responded promptly to our questions after hours and on weekends. Great job”

dramrani01

8371 Eagle Point Rd Pinetop, AZ 8593

“We had an overall great experience working with Tom in our purchase of a large home in the White Mountains of Arizona. Tom was our limited service broker in the purchase and provided just the right expertise and transactional advice through the purchase process. He was extremely reliable and responsive, always available, and easy to communicate with. Using his services saved us $27k if a full service agent had been used. Highly recommend Tom as an option for purchasing property!”
bobtuaz

FLAT FEE BUYER BROKER

We help you save the Most Win the Offer

Welcome to AZ Flat Fee Buyer Broker, where we offer affordable and transparent buyer representation services in Arizona. With our fixed-rate buyer brokerage model, you can enjoy the peace of mind knowing exactly what you’ll pay for our services, without any hidden fees or surprises.

 

Our agents provide affordable, high-quality support for every stage of your purchase. These buyer agent services help first-time buyers and investors move forward with confidence, using a clear real estate buyer checklist to stay organized, informed, and on track while saving money.

 

Choose AZ Flat Fee Buyer Broker for transparent pricing, fixed-cost services, and a hassle-free home buying experience.

PROFESSIONAL DOCUMENT SERVICES

1200 HOMES BOUGHT AND SOLD FLAT FEE

Make Direct Offers to LISTING AGENT/FSBO/NEW HOMES

It lets the buyer deal directly with Listing agent because Listing agent is not paying buyer broker a % of commission-The buyer is paying the Limited service buyer broker directly which also allows them to ask for seller concessions to lower price instead of seller paying buyer broker commission

Transactional Focus

The term “transactional” indicates a focus on the specific transactional aspects of the real estate process, such as handling paperwork, and facilitating the closing process. The limited service offering may mean that certain responsibilities typically handled by traditional agents are left to the buyer.

Flexibility

A flat fee transactional, limited-service buyer broker gives homebuyers affordable and flexible support. This VIP Service connects you with experienced Real Estate Agents and provides access to important MLS Listings, helping you stay in control, save money, and move through the buying process with confidence.

BUYER REPRESENTATION

THE STRATEGIC VALUE OF BUYER REPRESENTATION

If I can see houses for sale on Zillow/Redfin/Realtor.com just as my realtor can, what’s the point of getting a realtor as a buyer Agent?

BUYER REPRESENTATION

REVALUING BUYER REPRESENTATION

​Realtors help with showings, paperwork​ and negotiations​. You as a buyer have to determine if you need all 3 of these services. If you don`t need all 3 of these services when buying a home maybe you don`t need a Full Service Buyers Agent.

ADVANTAGES

BENEFITS FOR BUYERS

Seller concessions have several benefits for buyers, including saving on upfront costs and having more money to put towards a down payment.

Seller concessions for repairs are also a benefit for buyers and are usually a good reason sellers might agree to concessions. Most people understand that if something is broken, it needs to be fixed.

For buyers, Seller concessions can make the total cost of purchasing a home less if they’re used in the right way.

Example:

Home Price $500,000

Buyer Broker 0
Seller Concession $15,000
Buyer Consult $500-$2000

Home Purchase $486,000

STEPS TO BUY A HOME

COMMON STEPS

Determine type of Agent

Select real estate agent.
Determine needs and wants.
Determine financial eligibility.

Mortgage Company

Discuss finances.
Obtain prequalification.

Use Internet to view Homes or/and get a Agent

Select an affordable property that fits your needs.
Discuss offer with agent.
Buyer reviews contract with agent
Agent presents offer to selling side.

Present and Negotiate Offer

Buyer prepares "earnest money" deposit (typically, 1 to 3% of purchase price).
Seller accepts offer (Seller can accept your offer, counter your offer, or reject your offer).

Open Escrow

Deposit "earnest money" into escrow.
Escrow will order Preliminary Report

Submit Loan Application Contingency Period

Conduct Physical Inspection of property by a qualified inspector.
Approve seller's Transfer Disclosure Statement .
Approve Preliminary Report.
Conduct property appraisal.
Obtain loan approval from lender.
Perform termite inspection and certification.

Obtain Homeowner's Insurance

Select insurance company and coverage.
Insurance will be in effect at close of escrow.

Down Payment

Need cashier's check or money transfer prior to closing date.

Closing the Escrow

Deposit down payment and closing costs to escrow.
Lender sends balance of purchase price to Escrow.
Deed is recorded with County Recorder's office.
Get your keys and move in!

KEY FACTORS

WHEN BUYING A HOME, THERE ARE SEVERAL KEY FACTORS

Here are some important aspects to look for:

Price

Determine what you can afford to spend on a property. Consider your budget and financial capabilities.

Location

Evaluate the neighborhood, city, town, or state where the home is situated. Consider factors like safety, proximity to amenities, and future development.

Condition of the Roof

Check the roof's condition to ensure it is in good shape. A well-maintained roof is crucial for the overall integrity of the house.

Reliable HVAC System

Ensure that the heating, ventilation, and air conditioning (HVAC) system is reliable and in good working condition. This is important for comfort and energy efficiency.

Plumbing Issues

Look for any plumbing problems, leaks, or issues with the water supply. Plumbing problems can be costly to fix and may indicate underlying issues.

Water Damage and Mold

Inspect for signs of water damage and mold. These issues can have serious health implications and may be indicative of broader structural problems.

Noise Level

Consider the noise level in the area. Check for any disruptive sounds or factors that may affect your peace of mind and quality of life in the new home.

House Size

Evaluate the size of the house to ensure it meets your needs. Consider the number of rooms and overall layout.

Property Taxes

Research the property taxes in the area. High property taxes can significantly impact your ongoing homeownership costs.

Homeowners Association (HOA)

If applicable, understand the rules and fees associated with the homeowners association. Some people prefer to avoid HOAs, while others appreciate the benefits they offer.

Amenities

Consider the amenities available in and around the property, such as parks, schools, shopping centers, and recreational facilities.

MOUNTAIN LAKE REALTY

WHEN A BUYER MAY NOT NEED A BUYER'S AGENT

A buyer may choose not to use a buyer’s agent in certain situations. Here are some scenarios where buyers might opt not to engage a buyer’s agent:

Experienced Buyers

If the buyer has extensive experience in real estate transactions and feels confident in navigating the process independently, they may choose not to use a buyer's agent.

For Sale by Owner (FSBO)

In cases where the property is listed as "For Sale by Owner," the buyer might decide to handle the transaction without a buyer's agent, as the seller is not represented by an agent either.

Investors

Investors have extensive experience in real estate transactions and are confident in navigating the process independently, they may choose not to use a buyer's agent.

Online Real Estate Auctions

Buyers at an online Auction the buyer might decide to handle the transaction without a buyer's agent, as the seller is not represented by an agent either.

Self-Reliant Buyers

Individuals who are self-reliant and enjoy taking charge of their decisions may choose not to use a buyer's agent, preferring to manage the home-buying process themselves.

It’s important to note that while it’s not a legal requirement to have a buyer’s agent, there are advantages to having one, including guidance, negotiation skills, and market expertise. Buyers should carefully consider their own knowledge, comfort level, and specific circumstances before deciding whether or not to use a buyer’s agent.

​Realtors help with showings, paperwork​ and negotiations​.

You as a buyer have to determine if you need all 3 of these services.

If you don`t need all 3 of these services when buying a home maybe you don`t need a Full Service Buyers Agent

Americans are increasingly purchasing homes online with minimal broker assistance. 

OUR CONCERNS

IDENTIFY REBATES & CONCESSIONS

Transactional Focus

The term “transactional” indicates a focus on the specific transactional aspects of the real estate process, such as handling paperwork, and facilitating the closing process. The limited service offering may mean that certain responsibilities typically handled by traditional agents are left to the buyer.

Flexibility

This model provides flexibility for home buyers who may want to customize the level of service they receive. It allows buyer to choose and pay for only the services they feel they need assistance with, rather than paying a percentage of the property’s purchase price. Limited service buyer brokers often step in when a buyer has already identified a property or has a clear idea of what they want, and they primarily assist with the transactional aspects of the purchase. This may include handling paperwork, coordinating with the seller’s agent, managing deadlines, and ensuring that the closing process goes smoothly.

In summary, a flat fee transactional limited service real estate buyer broker offers cost-effective and customizable services to home buyers, focusing on specific transactional aspects of the home-buying process while allowing buyers to take on more responsibilities themselves.

 

It lets the buyer deal directly with Listing agent because Listing agent is not paying buyer broker a % of commission-The buyer is paying the Limited service buyer broker directly which also allows them to ask for seller concessions to lower price instead of paying buyer broker % of sellers commission.

TESTIMONIALS

WHAT PEOPLE SAY ABOUT US

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