Agent referral system and method with integrated buyer, lender, and agent communication

A computer product for allowing a referring agent who does not work in a destination location to refer a buyer to a receiving agent that works in the destination location, comprising:

• a non-transitory computer readable medium having a computer program embodied therein, the computer program comprising
• a) programming for managing a computerized database system that
• i) associates the referring agent with a first location different than the destination location within the computerized database system;
• and
• ii) associates a brokerage institution with a plurality of brokerage institution agents including a destination institution agent;
• iii) associates the receiving agent, the destination institution agent, and destination specific real estate listings data with the destination location within the computerized database system;
• b) programming for creating a real estate agent interface that provides an interface for the referring real estate agent to refer the buyer to the receiving agent,
• c) programming for assigning the destination institution agent and the receiving agent to the buyer within the computerized database system after the referral;
• d) programming for creating a buyer interface that
• i) withholds at least a portion of the destination specific real estate listings data from the buyer until the buyer affirms a relationship with the destination institution agent, and
• ii) after the buyer affirms the relationship with the destination institution agent, provides the withheld destination specific real estate listings data to the buyer.

A computerized method for allowing a referring agent to refer a buyer to a receiving agent, the method comprising:

• a) establishing a computerized database system stored on a tangible, non-transitory computer readable medium that associates
• i) the referring agent to a first location,
• ii) the receiving agent to a second location different than the first location, and
• iii) destination specific real estate listings data with the second location;
• b) withholding, through a server computer system, at least a portion of the destination specific real estate listings data in the computerized database system from a computerized buyer interface used by the buyer;
• c) assisting in selection of the receiving agent by tracking, within the computerized database system, performance related information concerning a plurality of agents qualified to receive the referral;
• d) receiving, at the server computer system, a referral to the receiving agent from a computerized agent interface used by the referring agent and tracking that referral for later calculation of a referral fee;
• e) obtaining, at the server computer system, confirmation that the buyer has agreed to a brokerage relationship with the receiving agent;
• f) ceasing to withhold the destination specific real estate listings data at the server computer system after receiving the confirmation;
• and
• g) tracking within the computerized database system an obligation to pay the referral fee upon a sale of real estate to the buyer using services of the receiving agent and assigning at least a portion of the referral fee to the referring agent.