Fully Negotiable

For agents

Your buyers are overpaying their lender. You can be the one who caught it.

Every buyer you work with gets a full lender comparison, co-branded to you, showing exactly what your negotiation saved them. You do not analyze anything, you do not advise on loans, and you do not take a dollar from any lender.

Buyers looking for an agent right now

55345
2 buyers deciding now

We show real numbers, including zero. Each count is a signed-in buyer in that market who answered “still deciding” when we asked whether they have an agent. If your market is empty, we would rather you know now — that honesty is the same product we sell buyers.

The answer to “what am I paying you for?”

You now sign a written representation agreement before you show a house, which means that conversation happens earlier and colder than it used to. Most agents answer it with adjectives.

This is a number. “My buyers save an average of ___ on their loan, and here is the receipt from the last one” is a dollar-denominated answer to the hardest question in your business — and it is a service the buyer can watch you provide before they have toured a single property. We compute the blank for you from your own clients' real results, so it is never a figure you had to make up.

You are protected, not exposed

Reading a client's loan quotes and telling them which lender to take is advising outside your licence. If you have any relationship with any lender in that conversation, it stops being advice and starts being steering, which is RESPA territory.

Pasting quotes into a chatbot is worse. When it invents a fee and your buyer counters a lender on it and gets embarrassed, that lands on you. Handing them a neutral third party that takes no lender money — and that never contacts their lender — is the version of this you can defend.

This happens before you are under contract

The workflow lives at pre-approval, before a rate is locked and before there is a contract to blow up. That is also the only point where the quotes are genuinely comparable and the lender still has room to move.

We never advise a client to switch lenders mid-deal. If they are already locked and under contract, this is the wrong moment for it and we say so — which is the same answer we would give you.

The savings receipt is a marketing asset

When your client's revised quotes come in, we compute exactly what changed and produce a shareable image co-branded to you — what they saved up front, and what they saved every month.

It is the most credible asset in this business because it is not a claim. It is a real number from a real client, and it works in a listing presentation, on social, and in the next buyer consultation you sit down for.

Your own landing page — yes, it is lead capture

“Get your loan quotes checked, free” at a vanity URL with your name and brokerage on it. Buyers reach it at pre-approval, which is earlier than most agents meet them at all.

Portal leads are commonly quoted at a couple of hundred dollars each. On those numbers two of these a quarter makes this the cheapest acquisition channel you have — and the person arriving already has a mortgage conversation open with you.

The arithmetic, so you do not have to do it

$49 a month is $588 a year, and $490 if you pay yearly. One extra transaction covers either of them many times over.

If you have four buyers a year, do not subscribe: $39 per client report costs you nothing in the months you have nobody. The subscription only starts winning past 2 reports in a month or 13 in a year.

$39

per client report, no subscription

$49

a month, unlimited clients

$490

a year, unlimited clients

What your client actually gets

Every quote normalized and compared on what the lender actually controls, the true cost over the years they plan to stay, every padded fee flagged with the reason it was flagged, and a sequenced negotiation plan with the emails written for them to send themselves. They would pay $99 for it on their own.

Read a complete sample report

Start with one client

Take the next buyer you are working with, run their quotes, and see what comes back before you commit to anything monthly.

One email when it opens. We do not sell, rent or share your address.

The thing you should know before you subscribe

Subscribing to this tool buys you the tool. It does not buy you placement, ranking, a badge, or a better outcome in anything we build now or later. There is no version of this product where that is negotiable, and there is no field in our database that could express it — an automated check fails our build if someone adds one.

We are telling you this on the sales page rather than in a policy document, because a company that would quietly sell placement is a company that would quietly do other things too. Our whole argument is that we are structurally unable to be bought. That has to be true where it costs us something.

Disclosure: Mason Kiffmeyer, who runs Fully Negotiable, is a licensed real estate agent. That is stated on the home page too rather than only here. It is why we take no money from lenders in any form and why nobody can pay us for placement, ranking, or a better outcome in anything we build.