Florida Licence · Rhode Island Introduction

Warwick, Rhode Island — an introduction, not a pitch

The offer on this page is an introduction through The Keyes Company, and nothing beyond it.

Referral only

How a referral works

Step 1

A short conversation

What is prompting the move, when it has to happen, and whether there is a Florida property on the other side of it. That last one changes what I can do for you.

Step 2

A deliberate search

I look for a licensee in Warwick whose day-to-day work resembles your transaction. Then I speak to them before I hand over your name.

Step 3

A clean handoff

You get an introduction and the reasoning behind it. If you do not like them, tell me and I will go back and look again.

Starting with what I cannot do

A referral fee is not a finder’s fee and it is not something you pay. It is a share of the commission the Rhode Island brokerage earns on a transaction it closes, paid across to The Keyes Company under an agreement signed between the two firms before you are ever introduced. Nothing is added to your closing statement, and nothing arises at all unless a transaction completes. I set this out early because the word “referral” has been used to describe several quite different arrangements, and you are entitled to know which one you are being offered.

What I will not do

I will not read your Rhode Island contract and tell you it looks fine. I do not know that state’s standard form, its local addenda, or what its courts have made of the wording, and a Florida licensee’s reassurance about a contract in another state is worth precisely nothing. Put it to the agent, and where the sums are significant, put it to an attorney licensed where the property is.

Structural differences worth knowing before you go

  • Licensing in this industry is granted state by state, not federally. A Florida licence carries no authority in Rhode Island, and a Rhode Island 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 Rhode Island. 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.
  • Residential closings in Rhode Island customarily involve an attorney, rather than being handled by a title company as they typically are in Florida. Budget for it and expect the timeline to be structured differently.
  • Rhode Island 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. Rhode Island 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 the agent I introduce you to

  • How many transactions have you closed in Warwick in the last twelve months, and how many were on the side of the table I am on?
  • What is the insurance picture on the kind of property I am looking at, and who should I be calling for a real quote?
  • If the property is listed by your own brokerage, what happens to my representation, what does Rhode Island law permit in that situation, and what exactly would you be asking me to sign?
  • What does a normal contract-to-close timeline look like in Rhode Island, and what most often blows it up?

What I can do directly, without an introduction

Most moves out of Florida have a Florida transaction attached to them. If you are selling a Florida home and buying in Warwick, that is the strongest version of this: I represent you on the Florida sale as your agent, and I refer you for the Rhode Island purchase. One relationship, two licensed professionals, and nobody pretending to be qualified where they are not.

Other cities in Rhode Island

Questions people actually ask

How is this different from the sites that match me with an agent?

Put the same two questions to any of them and compare the answers: how many people receive my details, and who pays you. Here the answers are one named brokerage, and the receiving brokerage pays The Keyes Company a share of its own commission if a transaction closes. Neither arrangement is illegitimate. They are simply not the same thing, and you are entitled to know which one you are in.

Is this a referral to a lender or title company too?

No. This is a real estate brokerage referral only. It is not a referral to any lender, title company, insurer, or other settlement service provider, and it should not be read as one.

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.

Can you represent me in Warwick?

No. My licence is issued by Florida and is valid in Florida only. Representing you in a Rhode Island transaction would be unlicensed activity there. What I can do is refer you to a licensee in Rhode Island through The Keyes Company.

What if I am moving to Florida rather than away from it?

Then there is no referral to make — that is my licence and my market. Start on the About page instead.

One conversation is enough to begin

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.

Request a referral 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

There is no panel of partner brokerages on this page because there is not yet a panel of partner brokerages. When there is, they will be named here with their licence numbers, and not before.

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.