Real estate agent trust gap points to commission incentives
Educational
HousingWire reports that real estate agent trust has eroded sharply, with Gallup ethics ratings for the profession falling to 17% in 2025. The decline follows a wave of lawsuits and academic research that has put a harsh light on how commission structures can misalign incentives between agents and the clients they represent. Where buyers and sellers once assumed their agent was working solely in their interest, the coverage has made clear that payment structures can shape advice in ways consumers did not fully perceive.
This environment leaves borrowers entering the market with a new burden: verifying that every party in their transaction is structurally motivated to serve their actual goal. loantrust.ai operates directly in this space by offering financing programs whose qualification logic is transparent and borrower-aligned. DSCR loans qualify on property cash flow rather than personal income, bank-statement programs serve self-employed borrowers whose tax returns do not reflect earning capacity, and bridge, fix-and-flip, new-construction, and multifamily programs are built around the economics of the deal itself. One licensed MLO packages every file personally instead of routing borrowers through a call center, which means the same person who structures the loan also understands the investor strategy or homeowner situation behind it.
For someone financing a rental property, a first flip, or a primary residence in a market where trust itself has become a due-diligence item, that structure matters. The borrower is not left to decode whether advice is shaped by a commission schedule they cannot see. loantrust.ai functions as a dedicated partner rather than a transactional call center, and in a year when institutional trust in real estate relationships has hit a historic low, that distinction is the difference between a confident closing and a second-guessed one.
Source: HousingWire, “Real estate agent trust gap points to commission incentives”. Read the original →
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Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.