How does Sell-Before-You-Buy work in Tampa Bay?

Sell-Before-You-Buy is a lender convenience path when you need to close the next home before the current one funds. The educational estimate uses a 2.25 percent program fee on price. That fee is not a Realty of America commission. I can originate through PMF and list through Realty of America.

How does the Tampa Bay buyer credit work?

The Tampa Bay Buyer Credit is for represented buyers who hire me as their Realtor. It is 20 percent of the buyer-agent compensation actually available on the file, up to $3,000. If the listing pays less, the credit shrinks. It is not a rebate to an unrepresented party and not a loan credit.

What is Sell-Before-You-Buy in Tampa Bay?

Sell-Before-You-Buy is a lender convenience path when you need to close the next home before the current one funds. The educational fee on that path is 2.25%. It is not a brokerage commission. Realty of America and PMF, Inc. stay separate companies. The file still has to qualify. Confirm current terms at consult.

Are closing costs the same as cash to close?

No. Cash to close includes your down payment and prepaids. You can have modest fees and still need a large wire because of down payment and escrow.

Answered by Jonathan Loescher, A.I. Certified Agent™ · Tampa Bay / Pinellas · Realtor #SL3546365 · NMLS #2621894 · Updated 2026-09-06 · 553 words

What is List + Buy with Jonathan Loescher?

Short Answer

List + Buy is a 2% listing fee when you list with me, hire me as Realtor on the next purchase, and I originate that loan through PMF, Inc. Real estate stays at Realty of America. The loan stays at PMF, Inc. It is negotiated compensation, not a rebate, and not a promise that every file qualifies. Confirm current terms at consult.

What is List + Buy?

List + Buy is a 2% listing fee when three things are true. You list the current home with me as Realtor. You hire me as Realtor on the next purchase. I originate the loan on that purchase through PMF, Inc. That fee is negotiated compensation for the listing work. It is not a rebate in MLS, not a lender credit, and not a promise that every file qualifies.

What is List + Buy not?

It is not Sell-Before-You-Buy. That path uses a 2.25% lender convenience fee on a different product. It is not Buyer Credit. Buyer Credit is up to $3,000, capped at 20% of buyer-agent compensation that is actually available. It is not Homes for Heroes cash-back. Those programs do not stack with List + Buy.

How do the two licenses stay separate?

Real estate work runs through Realty of America (Florida license SL3546365). Mortgage origination runs through PMF, Inc. (NMLS 1980; my NMLS 2621894). Using me as Realtor does not require using me as Loan Originator. List + Buy is the program path that pairs both. Approvals stay conditional on lender review.

When does List + Buy fit a Tampa Bay file?

It fits when you will sell one home and buy another in the same window, and you want the listing fee and the next loan modeled on this path. It is a weaker fit when there is no next purchase, when I am not the listing agent, or when another lender already has the file.

Path	What the 2% covers
List + Buy	Listing fee when you also buy with me and I originate the next loan
Listing only	Priced on its own. Not this program
Loan only	Apply through PMF, Inc. Not this program

What should you do next?

Read the current terms on services. For the file steps, see How does List + Buy work in Tampa Bay?. Book a consultation or apply for a loan.

This is consumer education, not legal advice or a commitment to lend. Program terms change. Ask for the current sheet at consult.

Jonathan Loescher, SL3546365 and NMLS 2621894. Realty of America handles the real estate. PMF, Inc. handles the loan.

Jonathan's Advice

Expert Insight

I quote List + Buy when the listing, the next purchase, and the loan are all real files. The 2% number is the listing-side fee on that path. Using me as Realtor does not require using me as Loan Originator on every file. This program is the pairing that includes both. If you only need a listing, we price the listing on its own. If you only need a loan, apply through PMF, Inc. Keep the two companies separate on paper even when I sit in both chairs.

How does List + Buy work in Tampa Bay?: List + Buy is a 2% listing fee when you list with me, hire me as Realtor on the next purchase, and I originate that loan through PMF, Inc. Real estate stays at Realty of America. The loan stays at PMF, Inc. It is negotiated compensation, not a rebate. It does not stack with Buyer Credit, Homes for Heroes, or Sell-Before-You-Buy. Confirm current terms at consult.
How does Sell-Before-You-Buy work in Tampa Bay?: Sell-Before-You-Buy is a lender convenience path when you need to close the next home before the current one funds. The educational estimate uses a 2.25 percent program fee on price. That fee is not a Realty of America commission. I can originate through PMF and list through Realty of America.
How does the Tampa Bay buyer credit work?: The Tampa Bay Buyer Credit is for represented buyers who hire me as their Realtor. It is 20 percent of the buyer-agent compensation actually available on the file, up to $3,000. If the listing pays less, the credit shrinks. It is not a rebate to an unrepresented party and not a loan credit.
What is Sell-Before-You-Buy in Tampa Bay?: Sell-Before-You-Buy is a lender convenience path when you need to close the next home before the current one funds. The educational fee on that path is 2.25%. It is not a brokerage commission. Realty of America and PMF, Inc. stay separate companies. The file still has to qualify. Confirm current terms at consult.
Are closing costs the same as cash to close?: No. Cash to close includes your down payment and prepaids. You can have modest fees and still need a large wire because of down payment and escrow.

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Real estate services are through Realty of America, LLC. Mortgage services are through PMF, Inc..

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