Licensed in Florida Only
Georgetown, Kentucky — an introduction, not a pitch
Referral only, stated plainly, with the fee arrangement written out further down.
Referral onlyThe process, in three steps
Start with the constraint
Almost every move has one thing that cannot flex — a start date at work, a lease ending, a tenant with rights until a fixed date, a closing already on the calendar. Tell me that first; it determines everything else.
I brief, then introduce
I describe your situation to the Georgetown licensee before you ever speak, so your first conversation starts at the second question rather than the first.
You keep my number
The introduction is not the end of it. If something reads wrong three weeks in, call me — I would rather hear it than find out at closing.
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.
- Kentucky levies a tax on income; Florida does not. It is a change worth modelling against the housing cost before you commit to a price range, and it is a question for your own tax adviser rather than for any real estate agent.
- Closings in Kentucky are generally handled through a title or escrow company rather than by an attorney as a matter of course, which is closer to the Florida pattern 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 this page is, and what it is not
You may already have filled in a form somewhere and had four calls inside ten minutes. That is a different product from this one, and the difference is not politeness — it is how many people received your details and what they paid to receive them. Here your details go to one named brokerage, with a written referral behind them, after I have spoken to the person at the other end and asked the questions you would not think to ask a stranger. That is slower. It is meant to be.
Things I am going to refuse
I will not treat the introduction as the end of my involvement when that suits me and the beginning of it when that suits me better. What I owe you afterwards is honesty and a returned telephone call. What I cannot offer is supervision of another brokerage’s agent, because I have no authority over them at all. I would rather draw that line now than have you rely on something I am unable to deliver.
Where I stop being a referral and start being your agent
Most moves out of Florida have a Florida transaction attached to them. If you are selling a Florida home and buying in Georgetown, that is the strongest version of this: I represent you on the Florida sale as your agent, and I refer you for the Kentucky purchase. One relationship, two licensed professionals, and nobody pretending to be qualified where they are not.
What to ask before you sign anything
- How do closing costs divide by local custom, which of those items are genuinely negotiable, and which are simply the way it is done here?
- Can I sign remotely — electronically, or by post — or does something have to happen in person? If I am still in Florida on the day, what does that change?
- If my timeline slips by six weeks, what happens to the agreement I am about to sign with you, and what happens to any money already committed?
- 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?
Other cities in Kentucky
Questions people actually ask
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.
How do I time a Florida sale against a purchase in Georgetown?
Deliberately, and from the start. The two closings are separate contracts and nobody controls both, so the work is in keeping each side informed of the other’s dates. If I am handling the Florida sale, I will speak to your Kentucky agent about the calendar directly. Where the dates cannot be made to meet, the usual instruments are a rent-back or interim financing, and both are cheaper to plan than to arrange in a hurry.
Do you get paid if I use an agent you did not refer me to?
No. A fee arises only where the introduction came through The Keyes Company and a transaction closes with that agent. If you find someone yourself, or use somebody you already know, nothing is payable to anyone — and that is a perfectly good outcome. I would rather you had the right agent than that I had a fee.
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.
Does a VA loan change how the referral works?
Not on my side of it. Loan eligibility is a matter between you and a lender, not something an agent controls, and nothing on this page is a referral to any lender. What it may change is who you want at the other end: ask the licensee I introduce you to how often they work with buyers using that financing and what local practice is on the paperwork. It is a fair question and the answer is usually revealing.
Ready when you are
If you would rather ask a question first than request anything, that is fine too — the phone number and email below reach me directly.
Ask about Georgetown 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.
Who takes it from here
The honest state of things: referral relationships are being formalised, and until one is signed there is no company I can point at without overstating it.
The mechanics are that The Keyes Company submits the referral into its network. The judgement is mine: I would rather spend a week finding someone whose actual caseload matches yours than send your details out the same afternoon and call it service.
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.