Compare Savvy Lane and Xome

For Sellers

Listing Rate
1%
Commission
Minimum commissions and other terms may apply. Buyer's Agent Commission (2.5%-3%) is not included, but sellers may be able to negotiate this as well.

For Sellers

Referred Agents
25%-40%
Referral Fee
Xome does not provide real estate services to home sellers. Instead, this company matches consumers with various real estate agents in exchange for a 25%-40% referral fee. Xome results suffer from pay-to-play bias because the network does not match consumers with agents unwilling to pay 25%-40% of their commission to Xome.

For Buyers

Buyer’s Savings
60%-67%
Commission Rebate
When Savvy Lane represents buyers, it contributes 60%-67% from its total Buyer's Agent Commission (2.5%-3%) as a way to financially compete for buyer’s business. Home buyers do not pay any taxes on the amount, the refund amount is always tax-free. Commission rebates are not allowed in Oregon.

For Buyers

Referred Agents
25%-40%
Referral Fee
Xome does not provide real estate services to home buyers. Instead, this company matches consumers with various real estate agents in exchange for a 25%-40% referral fee. Xome results suffer from pay-to-play bias because the network does not match consumers with agents unwilling to pay 25%-40% of their commission to Xome.
Question: What is the difference between Savvy Lane and Xome?
Answer: Savvy Lane is a full-service real estate agent that offers savings to homebuyers and home sellers while Xome is a referral fee network that enables broker-to-broker collusion with use of blanket referral agreements
Compare Savvy Lane and Xome for home buying and selling. HomeOpenly is an impartial and an open resource focused on trending real estate services, portals and start-ups.

First published: 17 February 2019
Last updated: 25 April 2021

Buying and Selling with Savvy Lane

Savvy Lane is a multi-state broker, offers consumers flat fee listing savings and buyers refunds in Washington, Oregon (listing savings only), and California.

Savvy Lane Pricing

Savvy Lane offers listing savings (1% listing) and buyer’s refunds (60%-67% of the Buyer’s Agent Commission)

Listing Services

  • MLS Listing
  • Zillow, Trulia, etc. Listing
  • Accept and Deliver All Offers and Counteroffers
  • Hold Open Houses
  • Professional Photography
  • Professional Floor Plans
  • Yard Signage Installation
  • Spare Key Lock-box Installation
  • Schedule Inspection Services
  • Schedule Private Showings
  • Closing Duties

Buyer's Agent Services

  • Find the Property
  • Accept and Deliver All Offers and Counteroffers
  • Recommend Other Professionals
  • Attend Inspection Services
  • Schedule Private Showings
  • Negotiate Needed Repairs
  • Closing Duties

Savvy Lane Editor's Review:

Savvy Lane is a consumer-focused real estate agent that successfully represents consumers across Washington, Oregon, and California and offers sizeable savings. Savvy Lane service includes posting home on the MLS and MLS Aggregator services, professional photos and a virtual tour in addition to all typical services offered by a traditional real estate agent.

If a seller accepts an offer from a buyer represented by Savvy Lane, the full buyer agent commission (2.5%-3%) amount is waived. Savvy Lane says that this process favorably lowers overall transaction costs, but it also requires a buyer to accept the potential downside of dual representation.

For buyers Savvy Lane offers one of the best in the industry buyer’s refund savings, depending on the total amount of the buy-side commission offered by the seller (Savvy Lane keeps 1% of what is typically 2.5%-3% Buyer's Agent Commission.)

Overall Savvy Lane offers an excellent proposition to Buyers and Sellers alike.

Where does Savvy Lane operate?

Savvy Lane currently operates in select areas across Washington, Oregon, California.

Buying and Selling with Xome

WARNING: Unlawful Kickbacks, Broker-to-Broker Collusion, False Marketing, Wire Fraud, Price Fixing.

Xome is a broker-to-broker collusion scheme, where "partner agents" unlawfully agree to pay massive kickbacks to receive your information and engage in market allocation, consumer allocation, false advertising, unlawful kickbacks, wire fraud, and price-fixing practices in violation of, inter alia, 18 U.S.C. § 1346, 18 U.S.C. § 1343, 15 U.S.C. § 1, 15 U.S.C. § 45, 12 U.S.C. § 2607, 12 C.F.R. § 1024.14. As a consumer, you will always significantly overpay for Realtor commissions subject to hidden kickbacks and pay-to-play steering promoted in this scheme.

United States federal antitrust laws prohibit consumer allocation and blanket referral agreements between real estate companies.

Be smart; do not allow your information to be "sold as a lead" to a double-dealing Realtor in exchange for massive commission kickbacks paid from your future home sale, or your future home purchase.


Xome is a referral fee network designed to collect fees by matching consumers with local real estate agents willing to participate.

Xome operates as a licensed real estate brokerage in California under BRE License #001932600, but it does not produce any services that are typically offered by real estate agents and does not represent consumers when buying or selling real estate in any State.

When consumers submit information to Xome, this information is simply sold to real estate agents who are willing to pay for it with 25%-40% share of their commission.

Xome Pricing

Xome revenue comes from referral fees and sale of user data.

Listing Services

  • This Service Does Not Represent Sellers

Buyer's Agent Services

  • This Service Does Not Represent Buyers

Xome Editor's Review:

Xome is a licensed real estate broker that collects a 25%-40% referral fee from all real estate agents that participate. Agents are accepted into the referral program at no upfront cost, instead, all fees are back-loaded into the agent’s commission and result in a much higher cost to consumers.

All agents in Xome Agent Network must pay Xome a referral fee for each closed deal and report on the progress with private transaction details using Xome portal. Xome itself does not create an agency relationship with consumers and has no financial obligation for the actions of Referred Agents.

Consumers work with these agents through separate written agreements. The terms of any agreement between consumers and real estate agent in the network are not endorsed or recommended by Xome.

All real estate agents using Xome pay a referral fee depending on the final cost of a house. On a $250,000 house, the agent could pay around $2,800 in fees to Xome. This amount could be easily offered as a refund or commission savings to consumers, but instead, it becomes a deterrent for real estate agents to offer competitive terms.

Xome Agent Network plays fees down to consumers, but it rigidly locks every participating real estate agent into a referral fee attached to the back-end of every contract. As a licensed real estate agent that doesn’t perform any real estate services or takes any responsibility for the transaction, it is not entirely clear how this process works under the Business and Professions Code and RESPA.

Clearly, real estate agents only sign-up with Xome because the price of the referral fee can be easily incorporated into their client’s agreement with excessive commissions.

Xome receives the second lowest score because this service is clearly biased and it claims to provide the complete opposite of what it actually does. Xome must be well aware of this issue but continues to operate on pay-to-play methodology in order to collect fees that needlessly make home buying and selling more expensive. In the end,

Xome is a referral fee network that operates a limited pool of real estate agents willing to pay 25%-40% of their commission for each lead.

Where does Xome operate?

Xome currently operates in select areas across United States.