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Disclosures

Last updated: 2026-05-10

This Disclosures hub applies to Rebato, Inc. — Platform operator (Delaware C-Corp).

Rebato, Inc. operates on the Rebato platform, a U.S.-based integrated real estate platform. This page summarizes the most important disclosures that apply to use of our marketplace, our in-house brokerage, our iBuyer program, and our FSBO services. Additional disclosures are delivered at the applicable point in a transaction (for example, in the BBA, the listing agreement, or closing documents). State-specific forms supplement, and do not replace, this summary.

Buyer Broker Agreement (BBA) Summary

Under the National Association of REALTORS® (“NAR”) class-action settlement that took effect on August 17, 2024, a written Buyer Broker Agreement is required before a representing agent may show a buyer any property listed in a Multiple Listing Service. Our BBA discloses:

  • The scope and duration of representation;
  • The amount, percentage, or hourly rate of buyer-side compensation;
  • The source of buyer-side compensation (seller concession, buyer direct, brokerage rebate offset, or activity fee);
  • Whether the agent or brokerage may also represent the seller (dual agency), where state law permits.

We enforce the BBA requirement at the user-interface, application-programming-interface, and database layers. Showings cannot be scheduled without an active, signed BBA.

NAR Settlement Compliance (August 2024)

Consistent with the NAR settlement, our Multiple Listing Service feeds and our outbound listing publication pipeline do not transmit buyer-broker compensation in MLS fields. Buyer-side compensation, where applicable, is communicated outside the MLS, in the BBA, and in the offer.

MLS Outbound Sanitizer

Listings published from our platform to any MLS pass through an outbound sanitizer that removes prohibited fields, including—but not limited to— BuyerAgentCompensation, BuyerBrokerageCompensation,CoopCompensation, SubAgencyCompensation, and SellingOfficeCommission. The sanitizer is a fail-closed component: if it cannot verify a payload, publication is blocked. This protects MLS partners and complies with the NAR settlement.

State-Specific Mandatory Disclosures

State law requires sellers (and, in some states, buyers) to deliver specific disclosure forms. Examples include:

  • California. Transfer Disclosure Statement (TDS), Natural Hazard Disclosure (NHD), Megan’s Law database notice, lead-based paint, Mello-Roos, and earthquake-safety disclosures.
  • New York. Property Condition Disclosure Statement, lead-based paint disclosure, and (in New York City) the Stigmatized Property Disclosure where applicable.
  • Washington. Form 17 Seller Disclosure Statement, lead-based paint, and the Earthquake Safety Disclosure where applicable.
  • Texas. Seller’s Disclosure Notice (Texas Property Code § 5.008) and the lead-based paint disclosure for pre-1978 homes.
  • Florida. Property Condition Disclosure (Johnson v. Davis), HOA/condo association disclosure, and radon notice.
  • All states. Lead-based paint disclosure for residences built before 1978, under the Residential Lead-Based Paint Hazard Reduction Act (42 U.S.C. § 4852d).

We deliver the required state-specific forms at the appropriate point in the transaction and retain executed copies in our compliance event log.

RESPA Section 8 — Rebate Disclosure to Lender

Where a federally regulated mortgage is involved and the buyer is receiving a rebate from ushomerebate.com, the rebate must be disclosed to the lender consistent with the Real Estate Settlement Procedures Act (“RESPA”) Section 8 (12 U.S.C. § 2607) and the Truth in Lending Act (“TILA”). Lender consent may be required for the rebate to be applied at closing as a credit toward closing costs. Rebates that cannot be applied at closing may be paid to the buyer post-closing where state law permits.

State Rebate Legality

Buyer rebates are permitted in most states but are prohibited in a small number of jurisdictions and are conditioned on written disclosure in others. Our Rebate Calculator evaluates the policy in effect on the date of closing for the property’s state and prevents a rebate from being paid where it is not permitted. Where written disclosure is required, the disclosure is presented for signature before closing.

FHA 90-Day Anti-Flipping Rule

Under HUD’s anti-flipping rule (24 C.F.R. § 203.37a), a property acquired by a seller and resold within 90 days is generally ineligible for an FHA-insured mortgage. Resales between 91 and 180 days with a substantial increase in price may require a second appraisal. Some states impose additional flipping restrictions. Our iBuyer resale workflow includes a gate that blocks ineligible resales and routes price-flagged resales to a second appraisal.

Dual Agency

Where state law permits and both parties consent in writing, the same brokerage or agent may represent both buyer and seller. Several states either prohibit dual agency or impose additional restrictions; in those states, our platform routes the transaction to designated agents under separate sponsorship to maintain undivided loyalty to each party.

Equal Housing Opportunity

Equal Housing Opportunity. ushomerebate.com is an Equal Housing Opportunity provider. We comply with the federal Fair Housing Act and the additional fair-housing laws of each state and locality. See our Fair Housing page for details and reporting information. The Equal Housing Opportunity logo, where displayed, is a federal mark and does not imply endorsement of any specific listing.

Information Reliability

Listing information is provided by the originating MLS, brokerage, or seller and is believed to be reliable. ushomerebate.com does not independently verify listing data and does not guarantee its accuracy. Buyers and sellers should independently verify all information through inspection, appraisal, title search, and other due diligence before closing.

Questions? Contact compliance@ushomerebate.com