top of page

How did CURB 100% Commission Virtual Online Flat Fee California Real Estate Brokerage Company Begin?


How CURB's 100% Commission Brokerage Model Started

Several years ago when I was still an agent, a friend had asked me to sell a property for him. At the time I was taking a long sabbatical from real estate and my license was on ice. So before I listed the property I thought, why should I give a bunch of my commission away to do this transaction ? So I looked around to see if I could find an online flat fee brokerage to do the deal and keep my commission and just pay a small flat fee, of which I was more than happy to do. After finishing that deal with no problems and putting all my commission in my pocket for the first time, I thought, why in the world aren’t all brokerages running this virtual online model ? I did an entire transaction and I didn’t have to drive to an office or deal with office politics, plus I got to keep all my commission ! ..What the heck is not to like about that ?

A few days later after closing that deal with the 100% commission brokerage, I was sitting in my car in the parking lot of my chiropractors office and had a lightening bolt revelation and decided right then and there that I was going to start my own company creating this business model. In fact, I was so sure of my hunch about the 100% commission model being the future, I immediately signed up with an online real estate school to start my brokers training classes while I was still sitting in the parking lot ! I invested my own money and a grueling year building my business.

How did CURB 100% Commission Virtual Online Flat Fee California Real Estate Brokerage Company Begin?

I also had a hunch on the future of real estate about a year before the 2008 REO crisis. I was a green pea agent in the Bay Area working for a brick & mortar brokerage struggling to survive. I did the same thing most new agents do which was to shotgun market and do anything and everything to get a deal in the pipe. I subscribe to vertical thinking, so I looked around at the successful agents in my office and quickly realized that the top dogs certainly were not shotgun marketing, ..they were niche marketing. Now I had to discover a niche.

After looking at the other agents that were niche marketing I thought, “Oh my gosh, even all the niches are taken, what's left for me ?” I thought back a few years prior to me doing real estate when I was a mortgage broker and saw firsthand all these adjustable rate loans going out to people who worked at Taco Bell and I thought, “Holy moly, when these loans adjust there's going to be a slew of foreclosures.” I thought OK, I need to buddy up with the banks and do their foreclosures (that at the time only I thought would be coming down the pipe).

I asked my broker and some other agents in the office how to get in touch with banks to do foreclosures. No one had a clue which left me completely on my own. I then picked up the phone and literally made about 100 phone calls until I finally connected with somebody somewhere at a bank who pointed me in the direction. He told me, "oh you want to do REO." I thought he said Oreo, like the cookie. Not to look incompetent I just went along with it and said, yeah that's what I want to do ! He then told me that there was an REO convention in Palm Springs in two weeks and I need to be there, because all the lenders and banks that do foreclosures would be there. ..Jackpot !

Only one problem, we only had a few thousand dollars in the bank and it cost $1000 just to get into the door of the convention. My amazing wife said, “If you really think there's going to be foreclosures then let's go for it”. So we went for it. Two weeks later I put my eight month pregnant wife into our 1995 Ford Taurus with bald tires and broken air-conditioning and drove off to Palm Springs. We were so broke, we stayed in a Motel 6 outside of town. In the morning at the convention they offered breakfast for the attendees. After eating my breakfast I got an extra plate and went through the buffet line again and brought the plate to my wife back at the Motel 6 to feed her.

Back at the REO convention - I finally get in front of the lenders and banks and the first thing they ask me is; “What state are you from?” When I told them I'm from California they looked at me like I had two heads and exclaimed; "What in the world are you doing here? There's no foreclosures in California!" They told me; "if you're from Michigan or Ohio let's talk." But I gave them my business card anyway and said, hang onto this, I think you might be calling me in the near future. Then we went home.

About six months later sure enough, my phone started ringing. And then it rang and rang and rang. On one day I actually got 10 properties from a bank to liquidate. It was crazy. I rode the REO wave for five years. And now I have the same hunch about the demise of the current real estate brokerage model and the rise of the online 100% commission model.

My goal now is to create the most user-friendly online 100% commission real estate brokerage for agents and teach them to be independent thinkers to make their business flourish that way it should.

In the next blog I will answer the question; "Why aren't all real estate companies 100% Commission Brokerages ?"

#100%Commission #OnlineBrokers

Ronny Santana - Broker / Owner

CURB®

California's Premier 100% Commission Brokerage

* * * * * * * *

CURB®  is a registered trademark 
® 2025 CURB. All rights reserved.
KeepYourCommission.com 2025
Facebook
Youtube
Twitter
440 N Barranca Ave • Covina CA • 91723-1722
CURB is a proud member of:
CURB - Tennessee
Counties our 100% Commission California real estate brokerage serves:
Cities our 100% Commission California real estate brokerage serves:

Acton - Adelanto - Agoura Hills - Agua Dulce - Alameda - Alamo - Albany - Alhambra - Aliso Viejo - Alpine - Alta Loma - Altadena - Alturas - Amador City - Anaheim - Anaheim Hills - Anderson - Angels Camp - Angelus Oaks - Antelope - Antioch - Anza - Apple Valley - Applegate - Aptos - Arcadia - Arcata - Arleta - Armona - Arnold - Aroura Hills - Arroyo Grande - Atascadero - Atwater - Atwood - Auberry - Auburn - Avalon - Avery - Avila Beach - Azusa - Bakersfield - Baldwin Park - Bangor - Banning - Barstow - Bay Point - Bayside - Bel Air - Bell - Bellflower - Belmont Shores - Belvedere - Ben Lomond - Benicia - Berkeley - Berry Creek - Beverly Hills - Big Bear City - Big Bear Lake - Big Sur - Bishop - Blue Jay - Blue Lake - Blythe - Bolinas - Bonita - Borrego Springs - Bothell - Boulder Creek - Brea - Breenbrae - Brentwood - Brisbane - Buellton - Buena Park - Burbank - Burlingame - Burlington - Calabasas - California City - Calimesa - Calistoga - Camarillo - Cambria - Cameron Park - Campbell - Campo - Canoga Park - Canyon Country - Canyon Lake - Capistrano Beach - Capitola - Cardiff - Carlsbad - Carmel - Carmel Valley - Carmichael - Carpinteria - Carson - Castaic - Castro Valley - Catalina Island - Cathedral City - Cayucos - Cedar Glen - Cedar Ridge - Ceres - Cerritos - Chatsworth - Cherry Valley - Chester - Chico - China Lake - Chino - Chino Hills - Chula Vista - Citrus Heights - City of Industry - Claremont - Clayton - Clearlake Oaks - Clearlake - Cloverdale - Clovis - Coarsegold - Colfax - Coloma - Colton - Columbia - Colusa - Commerce - Compton - Concord - Cordelia - Corning - Corona - Corona del Mar - Coronado - Corralitos - Corte Madera - Costa Mesa - Cotati - Coto de Caza - Covina - Crescent City - Crestline - Crockett - Culver City - Cupertino - Cutten - Cypress - Daly City - Dana Point - Danville - Davis - Del Mar - Desert Hot Springs - Diamond Bar - Diamond Springs - Dobbins - Dominguez Hills - Dove Canyon - Downey - Duarte - Dublin - Durham - East Palo Alto - Edwards - El Cajon - El Camino Village - El Centro - El Cerrito - El Dorado - El Dorado Hills - El Granada - Elk - El Grove - El Macero - El Monte - El Segundo - Elk Sobrante - El Toro - Emeryville - Encinitas - Encino - Escondido - Etiwanda - Etna - Eureka - Exeter - Fairfax - Fairfield - Fair Oaks - Fallbrook - Felton - Ferndale - Fieldbrook - Fillmore - Flournoy - Folsom - Fontana - Foothill Ranch - Foresthill - Forest Ranch - Fort Bragg - Fortuna - Foster City - Fountain Valley - Frazier Park - Freedom - Fremont - Fresno - Frogtown - Fullerton - Galt - Garberville - Gardena - Gardena Grove - Gilroy - Glendale - Glendora - Glen Ellen - Glenn - Gold River - Goleta - Granada Hills - Grand Terrace - Grass Valley - Greenbrae - Groveland - Grover Beach - Gualala - Guerneville - Hacienda Heights - Half Moon Bay - Hanford - Harbor City - Hawthorne - Hayfork - Hayward - Healdsburg - Hemet - Hercules - Hermosa Beach - Hesperia - Highland - Hinkley - Hollister - Hollywood - Homeland - Honcut - Humboldt - Huntington Beach - Huntington Park - Idyllwild - Imperial - Imperial Beach - Independence - Indian Wells - Indio - Inglewood - Inverness - Ione - Irvine - Irwindale - Isla Vista - Isleton - Jackson - Jacumba - Jamestown - Jamul - Jenner - Joshua Tree - Julian - Kelseyville - Kensington - Kentfield - Kenwood - King City - Klamath - Klamath River - La Canada - La Canada Flintridge - La Crescenta - La Habra - La Honda - La Jolla - La Mesa - La Mirada - La Palma - La Quinta - La Verne - Ladera Ranch - Lafayette - Laguna Beach - Laguna Hills - Laguna Niguel - Lake Almanor - Lake Arrowhead - Lake City - Lake Elsinore - Lake Forest - Lake Isabella - Lakeport - Lakeside - Lake Tahoe - Lakeview Terrace - Lakewood - Lamont - Lancaster - Larkspur - Lathrop - Lawndale - Leggett Valley - Lemon Grove - Lemoore - Lewiston - Littlerock - Livermore - Llano - Lodi - Loleta - Lomita - Lompoc - Long Beach - Loomis - Los Alamitos - Los Altos - Los Altos Hills - Los Angeles - Los Banos - Los Gatos - Los Osos - Lotus - Lower Lake - Magalia - Malibu - Mammoth Lakes - Manhattan Beach - Manteca - Manton - Marina - Marina del Rey - Mariposa - Martinez - Marysville - McKinleyville - Meadow Vista - Mendocino - Menlo Park - Merced - Middletown - Midway City - Millbrae - Mill Valley - Milpitas - Mira Loma - Mission Hills - Mission Viejo - Modesto - Mojave - Monarch Beach - Mono Hot Springs - Monrovia - Montague - Montara - Montclair - Montebrllo - Montecito - Monterey - Monterey Park - Montrose - Moorpark - Moraga - Moreno Valley - Morgan Hill - Morro Bay - Moss Beach - Mount Shasta - Mount Wilson - Mountain Ranch - Mountain View - Murrieta - Napa - National City - Nevada City - New Almaden - Newark - Newbury Park - Newhall - Newport - Newport Beach - Nicasio - Nice - Nipomo - Norco - North Highlands - North Hollywood - North Manhattan Beach - Northridge - Norwalk - Novato - Oakdale - Oakhurst - Oakland - Oakley - Oak Park - Occidental - Oceanside - Ojai - Ontario - Orange - Orangevale - Oregon House - Orinda - Oroville - Oxnard - Pacheco - Pacifica - Pacific Beach - Pacific Grove - Pacific Palisades - Pacoima - Padadena - Palermo - Palmdale - Palm Desert - Palm Springs - Palo Alto - Palo Cedro - Palos Verdes - Paradise - Paramount - Pasadena - Paso Robles - Patterson - Pebble Beach - Penn Valley - Perris - Petaluma - Pico Rivera - Piedmont - Pinole - Pioneer - Pismo Beach - Pittsburg - Placentia - Placerville - Playa del Rey - Pleasant Hill - Pleasanton - Plymouth - Point Arena - Point Richmond - Pomona - Port Hueneme - Portola Hills - Portola Valley - Potter Valley - Poway - Prather - Quartz Hill - Quincy - Ramona - Rancho Bernardo - Rancho Cordova - Rancho Cucamonga - Rancho Dominguez - Rancho La Costa - Rancho Mirage - Rancho Palos Verdes - Rancho Santa Fe - Rancho Santa Margarita - Red Bluff - Redding - Redlands - Redondo Beach - Redway - Redwood City - Redwood Shores - Rescue - Reseda - Rialto - Richmond - Ridgecrest - Ripon - Riverbank - Riverside - Rocklin - Rohnert Park - Rolling Hills Estates - Rosamond - Rosemead - Roseville - Ross - Running Springs - Sacramento - Salida - Salinas - Salton City - San Anselmo - San Bernardino - San Bruno - San Carlos - San Clemente - San Diego - San Dimas - San Fernando - San Francisco - San Gabriel - San Gregorio - San Jacinto - San Jose - San Juan Bautista - San Juan Capistrano - San Leandro - San Lorenzo - San Luis Obispo - San Marcos - San Marino - San Martin - San Mateo - San Pablo - San Pedro - San Rafael - San Ramon - San Ysidro - Sanger - Santa Ana - Santa Barbara - Santa Clara - Santa Clarita - Santa Cruz - Santa Fe Springs - Santa Margarita - Santa Maria - Santa Monica - Santa Paula - Santa Rosa - Santa Ynez - Santee - Saratoga - Saugus - Sausalito - Scotia - Scotts Valley - Sea Beach - Seal Ranch - Seaside - Sebastopol - Shafter - Shelter Cove - Sherman - Sherman Oaks - Shingle Springs - Sierra Madre - Signal Hill - Silverado - Silverstrand Beach - Simi Valley - Skyforest - Solana Beach - Solano Beach - Soledad - Solvang - Somerset - Sonoma - Sonora - Soquel - South El Monte - South Gate - South Lake Tahoe - South Pasadena - South San Francisco - South San Gabriel - Spring Valley - Springville - St. Helena - Stanislaus - Stockton - Studio City - Suisun - Suisun City - Summerland - Sun City - Sunland - Sunnyvale - Sunol - Sunset Beach - Sun Valley - Surfside - Sylmar - Taft - Tahoe City - Tahoe Vista - Tarzana - Tecopa - Tehachapi - Temecula - Temple City - Templeton - Thousand Oaks - Three Rivers - Tiburon - Tierrasanta - Toluca Lake - Topanga - Torrance - Tracy - Trinidad - Truckee - Tujunga - Tulare - Turlock - Tustin - Twain Harte - Twentynine Palms - Ukiah - Union City - Universal City - Upland - Vacaville - Valencia - Vallejo - Valley Center - Valley Glen - Valley Village - Van Nuys - Venice - Venice Beach - Ventura - Vernalis - Victor - Victorville - Villa Park - Vineburg - Visalia - Vista - Walnut - Walnut Creek - Warm Springs - Watsonville - Weaverville - Weed - West Covina - West Hills - West Hollywood - Westlake - Westlake Village - West Lancaster - West Los Angeles - West Menlo Park - Westminster - West Sacramento - West Tustin - Westwood - Westwood Village - Whitmore - Whittier - Wildomar - Willits - Wilmington - Windsor - Winnetka - Woodland - Woodland Hills - Woodside - Yorba Linda - Yountville - Yreka - Yuba City - Yucaipa - Yucca Valley

bottom of page

100% Commission Broker, 100% Commission Brokerage, online 100% real estate broker, online 100% real estate brokerage, online real estate broker, online real estate brokerage, online 100% Commission real estate brokerage, online 100% Commission real estate broker online 100% Commission real estate brokers, online 100% real estate brokers, 100% Commission real estate brokers, 100% Commission real estate broker, 100% commission real estate, 100% commission california real estate, 100 Percent Commission Real estate, Flat Fee Real Estate Broker, Flat Fee Real Estate Broker Online, Flat Fee Real Estate Brokerage, Flat Fee Real Estate Brokers, virtual online real estate brokerage, virtual online real estate broker, virtual online flat fee real estate company, virtual online real estate brokers, virtual online flat fee brokerage, online flat fee brokerage, flat fee brokerage, Real estate Commission flat fee brokers, Real estate Commission flat fee brokerage, one hundred percent commission real estate, one hundred percent commission real estate broker, one hundred percent commission real estate brokerage, california virtual online real estate broker, online real estate broker 100% commission real estate california, 100% commission real estate broker california, 100 percent real estate brokerage, online real estate brokerage california, 100 percent commission real estate brokerage, 100 percent commission brokerage, virtual real estate brokerage california, 100 percent commission real estate companies, 100% commission real estate companies, 100% real estate brokerage virtual real estate brokers, best online real estate brokerage, virtual real estate agency