insurance, and realtor arms so they can spread the fees around. They can charge more at a flat rate this way. It's very similar to homie (except they're more realtor-first, but they do everything else too) in Utah and what many other companies are doing. I like the flat-rate fees type of model, but I don't think it's as game-changing as they like to say it is.

I haven't worked with them so I don't know how transparent they actually are with their cost, but transparency is definitely a good thing. But since you're forced to work with their title company, insurance company, etc. I don't see how that is different than a realtor/loan officer choosing a title company and recommending a home insurance company to you.

They remind me of Rocket Mortgage and LoanDepot. They're just normal marketing companies with really good marketing teams.