Your estimated closing cost credit from realtor
$ 0
Assume that the Real Estate Agent receives 2.5% commission from this transaction and 0% of that commission will credit back to buyer as a closing cost credit
No. there is no cost to join the program.
Yes. You can change agent as often as you want. Just login to your account and request to work with a new agent.
The real estate agent will credit 25% of his commission to you at closing. The credit will be applied toward closing costs and any loan points (if any).