Unless you demand the 3% you wouldn’t get it. They try to play hardball, so be damm adamant(throw a temper tantrum).Also shop around for the mortage before you go in. Ask them to match it (they can’t). You can then negotiate the incentives that went along with using their broker.
Most of the buyers are suckered in by the financing. This is where they make back the money IMHO.
Perhaps the realtors would work on a fee say $500.00 for a couple of hours work but not the whole thing!!!
