1% Buyer's Agent in Naples, FL — Get a Home Buyer Rebate at Closing

When you buy a home, the seller (or builder) usually offers the buyer’s agent a commission — in Naples, most often 2.5% to 3%. My fee for representing you is 1% of the purchase price. Whatever the seller offers above that is credited to you on the closing statement.

On a $750,000 purchase with a 3% offer: $22,500 offered, $7,500 to me, $15,000 back to you — enough to cover typical buyer closing costs, or to buy down your rate.

Three things you should know before we tour:

It is in writing. Under the post-2024 rules you sign a written buyer agreement before we tour; mine states the 1% fee and the rebate formula on page one.

It is legal in Florida and appears as a credit on your closing statement. If you are financing, your lender sets a limit on seller and agent credits; I confirm your program’s limit before we write an offer so the rebate is never a surprise at closing.

The offer varies by listing. Not every seller offers 3%; some offer less, some none. I tell you what each property offers before we tour, and we decide together how to handle a listing that offers less. Real estate commissions are not set by law and are fully negotiable. Figures shown are illustrative examples only, not a quote or guarantee.

New Construction: Where the Rebate Matters Most

Builders pay buyer’s agents and price their incentives assuming you have one. Walk into the sales office without representation and the builder keeps that money. Walk in with me and you get full representation on the contract, the deposit schedule, the warranty terms and the upgrade pricing — plus the rebate.

Questions Naples Buyers Ask

Are buyer rebates legal in Florida? Yes. Florida permits a licensee to share compensation with a party to the transaction, and the rebate is disclosed on your closing statement.

Do I need my own agent for new construction? The builder’s sales staff work for the builder. Bringing your own agent costs you nothing extra — the builder pays — and with me you also collect the rebate.

What if the seller only offers 2%? Then the rebate is 1% of the price instead of 2%. I show you the offer on every listing before we tour, so there are no surprises.

Can I use the rebate toward my down payment? Usually toward closing costs and rate buy-downs; use toward the down payment depends on your loan program. I confirm what your lender allows before we write an offer.

What does the 1% include? Everything a full-service buyer’s agent does: market analysis and search, showings and virtual tours, lender coordination, offer strategy and negotiation, inspection and appraisal coordination, contract-to-close management, and advice after closing — the full list is below.

Ready to see your number? Use the calculator above, or call or text (239) 228-4222. Selling too? My 1% listing fee works the same way on the other side of the table.