Referral, Not Representation
Leaving Florida for Kentucky
My licence stops at the Florida line. My usefulness does not have to.
What works differently in Kentucky
- Real estate licensing is state by state. An agent licensed in Florida cannot represent you in Kentucky, and a Kentucky licensee cannot represent you in Florida.
- Leaving Florida means picking up a state income tax in Kentucky. 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.
- Closings in Kentucky generally run through a title or escrow company rather than requiring an attorney as a matter of course — structurally closer to what you are used to in Florida than not.
- Florida’s homestead exemption and its Save Our Homes assessment cap do not follow you. Kentucky has its own property tax treatment, its own exemptions, and its own rules on how fast an assessment may rise. Confirm the specifics with the local taxing authority.
What I do once you call
Tell me where and when
City, timeline, whether you are buying or selling, and what matters to you in an agent. Five minutes on the phone is usually enough.
I find the match
My brokerage submits the referral through its network, and I look for someone whose actual experience fits your situation — not whoever answers first.
You decide
You meet them, you interview them, and you are free to say no. A referral is an introduction, not an obligation.
Read this part before the rest
Most of what goes wrong in a long-distance move goes wrong at the handoff: nobody owns the introduction, so you end up cold-calling names off a search results page. I would rather own it. I cannot be your Kentucky agent, but I can be the person who found them and who you can call when you want a second read.
Cities in Kentucky
Questions people actually ask
What if the agent you introduce me to turns out to be no good?
Tell me, and tell me early. I will go back and look again, and I will say so to the brokerage that put them forward. What I cannot do is repair the transaction from Florida: I do not supervise them and I am not a party to your agreement with them. Your remedies are the ones written into that agreement, their own broker, and the body that licenses agents in Kentucky.
What is a referral agreement?
A document between two brokerages, signed before you are introduced. It records that the introduction came through The Keyes Company and what fee becomes payable if a transaction closes. You are not a party to it, you do not sign it, and it imposes no obligation on you whatsoever. Ask to be told its terms if you want them — there is nothing in it that needs keeping from you.
Is dual agency allowed in Kentucky?
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.
Who holds my deposit?
It varies by state and sometimes by county: a title or escrow company, the listing brokerage, or an attorney. What matters more than who holds it is what the contract says about when it can be released and what it takes to get it back. Ask both questions before you part with the money, and ask for the answer in writing rather than on the telephone.
Tell me where you are going
Send me the details and I will start looking. If your move is into Florida rather than out of it, skip the referral — that one is mine.
Start the 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.
Where the referral goes
What I can describe is the process, which exists whether or not a particular agreement has been signed. Who it lands on is decided per transaction, not per quarter.
The path is The Keyes Company to a licensed brokerage in your state. What I add is the filter in between — and a phone number you can still call if the introduction turns out to have been a bad read.
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.