Buying by state

Buying a House Without a Realtor in Florida

Buying without an agent is legal nationwide - what changes from state to state are the money and closing rules. Here is what Florida’s rules say, generated from the same legal dataset the product runs on.

The rules

What Florida requires, plainly

Buyer commission rebates: Allowed - delivered as closing-cost credits or a rate buydown, through a licensed broker where the law requires one
Attorney required at closing: No - closing runs through a licensed title or escrow company
Remote online notarization (RON): Available - the closing signature can happen with a remote online notary
Typical signing mode: Remote online notarization
Dual agency: Banned - one broker cannot represent both sides
Minimum-service duty (brokerage mode only): Exists and is waivable Applies only when a licensed broker is in the deal; self-directed software purchases have no brokerage party.
Rollout stage: Launch next
Typical builder disclosures: Latent defect acknowledgment; Lead-based paint disclosure (homes built before 1978)
Right-to-repair law: Ch. 558 - 60-day pre-suit notice window

Research summary, not legal advice. Every rule here comes from research pending attorney verification; confirm with a licensed professional in your state. All figures are estimates, and fees settle at close - never upfront, never financed into your loan.

The money

The commission math, with example figures

A 5.5% total commission on a $400,000 home (example figures, est.):

Total commission: $22,000 (est.)
The buyer’s side, roughly half: $11,000 (est.)
StraightKeys buyer flat fee, settled at close: $1,499 (est.)
Difference you could keep: $9,501 (est.)

In Florida, that difference can reach you as closing-cost credits or a rate buydown - real money applied to your purchase, subject to your loan’s contribution caps. You always choose your own lender.

Fees are settled at close - never upfront, never financed into your loan.

Run the math at your price Selling? See your net sheet

Questions

Florida, answered straight

Can I buy a house without a realtor in Florida?

Yes. In Florida, as everywhere in the U.S., the agent is an optional actor in the transaction: buyers can deal directly with builders and sellers. Research summary, not legal advice - confirm details with a licensed professional in Florida.

Are buyer commission rebates legal in Florida?

Yes. In Florida a broker may share commission with the buyer, typically delivered as closing-cost credits or a rate buydown, subject to loan contribution caps. Research summary, not legal advice.

Does Florida require an attorney at closing?

No. In Florida closing normally runs through a licensed title or escrow company. Research summary, not legal advice.

Is remote online notarization available in Florida?

Yes. Florida allows remote online notarization (RON) for signing closing documents.

Does StraightKeys work in Florida today?

Yes. Florida is among the states where the builder-direct program works today, with closings through licensed title and escrow companies.