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 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 List + Buy with Jonathan Loescher?

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.

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 · 490 words

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

Short Answer

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.

What is Sell-Before-You-Buy?

Sell-Before-You-Buy is a lender convenience path when you need to close the next Tampa Bay home before the current one funds. The educational program fee on that path is 2.25% when the file fits. That fee is not a Realty of America listing commission. It is not a rebate. It is not a promise that every file qualifies.

How is it different from List + Buy?

List + Buy is a 2% listing fee when you list with me, buy the next home with me as Realtor, and I originate that loan through PMF, Inc. Sell-Before-You-Buy is a financing path for buying before the current home closes. They are different products. They do not stack.

What does it not stack with?

It does not stack with List + Buy, Buyer Credit, or Homes for Heroes. Homes for Heroes is exclusive. If that program applies, this fee path does not. Confirm eligibility at consult.

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. Approvals stay conditional on lender review. This page is education, not a loan offer.

When does it fit a Tampa Bay file?

It is a better fit when the next purchase has to close before the current sale funds. A sale-first plan is often simpler when timing allows. The fee, rate, and cash to close belong on the actual file, not on a neighborhood average.

What should you do next?

Read the current terms on services. For the file steps, see How does Sell-Before-You-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 use this path when you need the next house before the current one closes, and the lender program still underwrites. The 2.25% figure is a lender convenience fee, not a Realty of America listing commission. I model cash to close, rate, and timing on the actual file. If a sale-first plan is cleaner, we do that instead. This program does not stack with List + Buy, Buyer Credit, or Homes for Heroes.

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 List + Buy with Jonathan Loescher?: 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.
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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