Buying by state
Buying a House Without a Realtor in New York
Buying without an agent is legal nationwide - what changes from state to state are the money and closing rules. Here is what New York’s rules say, generated from the same legal dataset the product runs on.
The rules
What New York 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
- Yes - a licensed attorney is part of the closing
- Remote online notarization (RON)
- Available - the closing signature can happen with a remote online notary
- Typical signing mode
- Remote online notarization
- Dual agency
- Allowed with disclosure (when brokers are in the deal)
- Minimum-service duty (brokerage mode only)
- No minimum-service law Applies only when a licensed broker is in the deal; self-directed software purchases have no brokerage party.
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 New York, 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.
Questions
New York, answered straight
Can I buy a house without a realtor in New York?
Yes. In New York, 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 New York.
Are buyer commission rebates legal in New York?
Yes. In New York 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 New York require an attorney at closing?
Yes. In New York a licensed attorney takes part in the closing. Research summary, not legal advice - confirm with a local attorney.
Is remote online notarization available in New York?
Yes. New York allows remote online notarization (RON) for signing closing documents.
Does StraightKeys work in New York today?
Not yet. StraightKeys is expanding state by state, and New York is not on the supported list yet.