Florida Licence · Mississippi Introduction

Moving to Ridgeland, Mississippi?

My licence stops at the Florida line. My usefulness does not have to.

Referral only

From this page to a licensed agent

Step 1

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.

Step 2

I brief, then introduce

I describe your situation to the Ridgeland licensee before you ever speak, so your first conversation starts at the second question rather than the first.

Step 3

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.

Read this part before the rest

Real estate licensing is state by state. My licence, 3623732, is issued by the Florida Department of Business and Professional Regulation and authorises me to work under The Keyes Company on Florida property. It does not authorise me to advise on, list, show, or negotiate a home in Mississippi. Plenty of agents blur that line. I would rather say it first and then do the useful thing.

The mechanics change at the state line

  • Real estate licensing is state by state. An agent licensed in Florida cannot represent you in Mississippi, and a Mississippi licensee cannot represent you in Florida.
  • Mississippi is a non-disclosure state: sale prices are not public record. Researching value works differently there than in Florida, where documentary stamps on the deed make the price effectively public. Your Mississippi agent will explain what that changes.
  • Leaving Florida means picking up a state income tax in Mississippi. 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 Mississippi 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.
  • Like Florida, Mississippi has coastal exposure and a named-storm deductible regime in its property insurance market. The mechanism will feel familiar; the numbers will not necessarily.
  • Neither the homestead exemption nor the Save Our Homes cap travels with you out of Florida. Mississippi 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.

What to ask before you sign anything

  • If the property is listed by your own brokerage, what happens to my representation, what does Mississippi law permit in that situation, and what exactly would you be asking me to sign?
  • If I need to back out, what actually happens to my deposit under a standard Mississippi contract?
  • What is the local convention on inspection and financing contingency periods, and how tight are people making them right now?
  • 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?

What I will not do

I will not take a payment from you, and could not lawfully do so if I wanted to. A Florida sales associate may be compensated only through his registered broker, so any fee here is paid by the receiving brokerage to The Keyes Company out of a commission earned only if a transaction closes. There is no invoice at the end of this and no version of it in which you are billed for an introduction.

The Florida side of a two-state 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 Ridgeland 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 Mississippi

Questions people actually ask

What does a referral cost me?

Nothing. You are not charged for a referral. If a referred transaction closes, a referral fee may be paid between the two brokerages out of the commission on that transaction. It does not increase what you pay.

Who actually pays you?

Only my broker can. Under Section 475.42(1)(d), Florida Statutes, a sales associate may be compensated only by the registered broker. Any referral fee is paid to The Keyes Company, and The Keyes Company may in turn compensate me. There is no direct payment from you or from the Mississippi agent to me.

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.

How do you choose who to refer me to?

I look for someone whose recent, actual work resembles your transaction — price band, property type, and whether they handle relocations regularly. I speak to them before I pass on your name.

Do you know the Ridgeland market?

Not the way someone working it every day does, and I am not going to claim otherwise. That is the entire reason this page offers a referral rather than advice.

Ready when you are

There is no form on this page and no follow-up sequence behind it. The links go to The Keyes Company, which handles enquiries under its own privacy policy.

Talk it through first 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 you will actually be working with

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.