In Florida, the agent marketing a home may represent the seller and may not owe you any fiduciary duties. As your dedicated Accredited Buyer’s Representative (ABR®), Capt. Jon C. Schmitt works only for you, from the first showing through closing.
The seller wants the highest price and the most favorable terms. You need someone focused on your money, your contingencies, your deadlines, your inspection rights, and your negotiating leverage. Those goals rarely line up, so it matters who is actually on your side.
The agent who listed a home may represent the seller, or may act as a limited transaction broker. Either way, you should never assume the person marketing a home is looking out for you.
Buying a home may be the largest and most complex purchase you ever make. The ABR® designation reflects advanced training in representing buyers, and here is what that looks like for you day to day:
Buying a home is more than finding a house and signing papers. My job is to guide each step so you get the right home, at the right price and terms, all the way to the closing table.
A pre-approval is one of the most valuable things you can do before you shop. It shows exactly what you can afford, strengthens your offer in the seller’s eyes, and surfaces any credit issues early, while there is still time to fix them. A pre-qualification is a lighter estimate and does not carry the same weight. Here is the difference:
If a home is listed at $325,000 and your ceiling is $300,000, a pre-approval keeps you focused on homes you can actually buy, and ready to move fast when the right one appears.
The sticker price is only part of the picture. Planning for the full cost of ownership up front means no surprises later. I will walk you through realistic numbers for your price range and market before you write an offer.
The default in Florida. Limited, non-fiduciary help provided to both sides of the deal.
Full fiduciary duties, including loyalty, confidentiality, obedience, and full disclosure, owed to one party.
No representation duties are owed to you at all.
When you engage us as your buyer’s single agent, those fiduciary duties are owed to you. We explain your options and put your representation in writing before you begin your search.
This is general information about real estate brokerage relationships in Florida, not legal advice.
The builder’s on-site agent works for the builder. Have us represent you before you register at a sales center. It protects your interests on price, upgrades, and contract terms, typically at no added cost to you when builder compensation is offered.
Buyer-agent compensation is negotiable and spelled out in your written buyer agreement. In many transactions the seller or listing broker may offer to cover some or all of it, but that is not guaranteed. We walk you through it up front, so there are no surprises.
Understand your representation, responsibilities, and compensation in writing, before your first showing.