Referral, Not Representation

Buying in Milford? I will introduce you to someone licensed there.

One introduction, made carefully, costs you nothing and saves you the guesswork.

Referral only

The part most sites leave out

The useful question is not whether I can work in Connecticut — I cannot — but whether I can shorten the distance between you and someone who can. That is a real service, it is one a brokerage is built to perform, and it is the only thing this page offers.

Florida to Connecticut: what is genuinely different

  • Licensing in this industry is granted state by state, not federally. A Florida licence carries no authority in Connecticut, and a Connecticut licence carries none in Florida — which is why an introduction, rather than representation, is the only honest offer on this page.
  • Leaving Florida means picking up a state income tax in Connecticut. Model it against the housing number before you settle on a price range, and take the actual arithmetic to a tax adviser rather than to any real estate agent, including me.
  • Expect an attorney at the closing table in Connecticut. Florida closings typically run through a title company instead, so the cast of characters, the fee structure and the sequence of the last two weeks will all look unfamiliar.
  • Connecticut shares Florida's coastal exposure and, with it, a named-storm deductible regime in its property insurance market. The mechanism will be familiar. Do not assume the premium will be.
  • Neither the homestead exemption nor the Save Our Homes cap travels with you out of Florida. Connecticut sets its own assessment rules, its own exemptions and its own limit on how fast a bill can rise — confirm the specifics with the local taxing authority rather than assuming a Florida analogue exists.

Where I stop, on purpose

I will not sit between you and your Connecticut agent during a negotiation. Two voices on one side of a deal is how positions get muddled and how something ends up conceded twice. Once you are in a transaction they advise and you decide. If you want a second read from me on how something is worded, ask for it — but it will be a private conversation, not a message relayed to the other side of the table.

The mechanics, without the gloss

Step 1

Put both dates on one page

A Florida sale and a Connecticut purchase are two separate contracts with two separate calendars. Before anything else we write down what has to happen by when: the date you must be out, the date you can be in, and which of the two will not move under any circumstances.

Step 2

Introduce early, not late

An introduction is worth considerably more eight weeks out than two. An agent who knows your timeline from the start can tell you what is achievable on it. One who inherits it a fortnight before closing can only tell you what is not.

Step 3

We revisit when a date moves

One of them always moves. When it does, tell both sides on the same day. Most of the expensive repairs in a two-state move exist because somebody learned about a slipped date a week after everyone else did.

The first conversation, made useful

  • How are deposits handled in Connecticut — who holds the money, what amount is customary, and at what point does it stop being refundable? Get that answer before you write the cheque rather than after.
  • How is a shortfall on the appraisal usually handled in Connecticut, and what do buyers here commonly write into the contract to deal with it before it happens?
  • What is the local practice on possession — do I get the keys at closing, or do sellers here commonly stay on for a period afterwards, and how is that documented?
  • How is your compensation structured, and what is negotiable about it? Broker compensation is not set by law in any state.

If Florida is the other half of this move

There is a version of this where I am not a referral at all. If the property you are leaving is in Florida, I can list and sell it as your agent under The Keyes Company — that half is squarely my licence — while the Milford side goes to the licensee I introduce you to. Say so early, because the two timelines have to be planned against each other.

Other cities in Connecticut

Questions people actually ask

I have a relocation package through work. Does that change anything?

It might, so check before I introduce anybody. Some employer programmes and benefit schemes require you to register with them before you speak to an agent, and will not pay the benefit if you have already committed to someone. That order of operations is theirs rather than mine. Read the terms, make that call first, and then come back — the referral will still be here.

Can you help me sell my Florida home at the same time?

Yes, and that is the part where I am your agent rather than an introduction. Florida listings are squarely within my licence under The Keyes Company. If your move has a Florida sale attached, say so early so the two timelines can be planned together.

Is dual agency allowed in Connecticut?

That depends on the state, and it is a question for the licensee I introduce you to rather than for me. Some states permit one agent to work with both sides where everybody consents in writing; others restrict or prohibit it outright. Florida’s own vocabulary — transaction broker, single agent — does not map neatly onto other states, so do not assume your Florida experience transfers. Ask what it is called there and what you would be signing.

Am I obliged to use the agent you introduce?

No. A referral is an introduction. You can interview them, interview others, and decline. If they are not right, tell me and I will look again.

Do I need a Connecticut licence to be referred?

No — that requirement falls on the agent, not on you. The licensee I introduce you to will hold a current Connecticut licence and will represent you under Connecticut law.

Before you fill in anyone else’s form

Two things start this: the city, and the month it has to happen by. Everything else can be worked out on the call.

Ask for an introduction Moving to Florida instead?

Jacob Campbell · Florida Real Estate Sales Associate, license 3623732 · The Keyes Company · Licensed in Florida only — referrals outside Florida are made to independently licensed agents in your state.

The brokerage on the other end

You will notice nobody is named below. That is deliberate and it is temporary: I would rather show you an empty list than a borrowed one.

The referral goes out through The Keyes Company to a brokerage licensed where you are buying. Before your name moves, I want to know that the agent on the other end has done something close to your transaction recently and will answer the phone themselves.

Three things stay true whoever it turns out to be:

  • They will hold a current licence in the state where your transaction happens, and they will represent you under that state’s law — not under Florida’s, and not under mine.
  • Any referral fee is paid brokerage to brokerage, out of the commission on a closed transaction. It costs you nothing and it does not increase what you pay. Under Section 475.42(1)(d), Florida Statutes, any share reaching me comes from my broker and from nowhere else.
  • You are under no obligation to use them. Interview them, interview someone else, or decline entirely. If the fit is wrong, tell me and I will go back and look again.

As referral relationships are formalised, the brokerages involved will be named here, together with their licence number and the regulator that issued it, so you can verify them yourself rather than take my word for it.

Referral disclosure

  • I am licensed in Florida only. I will not act as your real estate agent in any other state, and nothing on this page is an offer to represent you outside Florida. Your agent in your state will be licensed there and will represent you under that state’s law.
  • A referral fee may be paid. If a referred transaction closes, the receiving brokerage may pay a referral fee to The Keyes Company, and The Keyes Company may in turn compensate me. Under Section 475.42(1)(d), Florida Statutes, a sales associate may be paid only by his registered broker, so any payment reaches me that way and no other.
  • It costs you nothing. You are not charged for a referral. A referral fee is paid between brokerages out of the commission on the transaction and does not increase what you pay.
  • Commissions are negotiable. Broker compensation is not set by law and is negotiable between you and the brokerage that represents you, in every state.
  • No guarantee. I can introduce you to a licensed professional and give you my honest read. I cannot promise any outcome, price, timeline, or level of service, and I do not supervise or control the agent or brokerage you choose.
  • Real estate brokerage referrals only. This page covers real estate brokerage referrals only. It is not a referral to any lender, title company, insurer, or other settlement service provider.
  • Equal Housing Opportunity. Referrals are made without regard to race, color, religion, sex, national origin, familial status, disability, or any other class protected by federal, state, or local fair housing law.