Buyer tiers and connection fees

The tiers, from the agent's side

• Tier 1 — Self-reported: the buyer typed in their numbers. Useful for planning; nothing has been checked.
• Tier 2 — Document-backed: a pay stub, W-2 or statement the buyer uploaded supports the numbers.
• Tier 3 — Verified: income, balances and debts come straight from a connected account, so they are current and nobody typed them.
• Tier 4 — Pre-approved: lender-owned. A lender has reviewed the file. Lender support is coming soon, and there is no standing offer at this tier today.

A passport's tier reflects the inputs behind it, so it is a signal of how much confidence sits behind the ranges you see, not a judgement of the buyer. Buyers can raise their tier at any time, and connecting a bank to verify is free for every buyer, so a Tier 1 passport today is often a Tier 3 passport next week.

Which offer a buyer sees

You hold one standing offer per tier. A buyer sees the offer at their own tier, and only that one; if you have no active standing offer at a buyer's tier, that buyer does not see you in Browse agents at all. Direct offers are composed per buyer, at the buyer's tier, within the caps for that tier.

Connection fees

Sill charges one flat fee per connection, set by the buyer's tier. As of October 2026 the standard schedule is:

• Tier 1 (self-reported): $50 per connection.
• Tier 2 (document-backed): $250 per connection.
• Tier 3 (verified): $300 per connection.

The schedule can change, and your account may carry a promotional rate. The live figures for your account are on your Standing offers page in the Pro app — each tier tab shows its fee, and the Connection fees card underneath shows the full schedule with any discount applied. That page is always current; this one is a snapshot.

When the fee is charged depends on who moved first. A direct offer charges when the buyer accepts it. A standing offer charges when you confirm the buyer's request, which you have 72 hours to do. An offer that lapses, a request you decline, or a request that expires is never charged.

What a fee never does

The fee is the same for every agent at a given tier, and it is never a ranking input. Where you appear in a buyer's list is structural: agents who serve the buyer's primary ZIP first, then the closest agents, then agents with a standing offer at the buyer's tier, then Verified agents, then agents accepting new clients. Neither the fee nor the size of your incentive moves you up that list, and you cannot pay for a better position. Sill takes no part of any rebate or credit you offer.

Refunds and free connections

Connecting with your own invited client — a buyer who joined Sill through your invite link — carries no marketplace fee. If a buyer disconnects within 24 hours of the connection going active, the fee is refunded in full, automatically; after that the fee stands. If your card is declined, the connection is held while you update your card in Settings, and the buyer is not told why.