“100% commission” deserves a closer look.
A Momentum Realty alternative for Florida agents
Momentum advertises 100% commission, with a brokerage fee of 0.2% of each sale price up to a $12,000 yearly cap. On a typical Florida sale, that 0.2% is more than our 5%. For most agents grossing under about $240,000, Firelight360’s 95/5 costs less.
The detail behind “100%”
A fee on the price vs. a fee on the commission
Momentum’s fee is figured on the sale price. Ours is figured on your commission. On a $400,000 sale with a 2.5% side, here’s how each lands:
| A full year, $400K sales at 2.5% | Momentum | Firelight360 |
|---|---|---|
| $60,000 GCI (6 sales) | $4,800 | $3,049 |
| $120,000 GCI (12 sales) | $9,600 | $6,049 |
| $250,000 GCI (25 sales) | $12,000 (capped) | $12,549 |
Momentum figures exclude its one-time $350 onboarding fee and any per-transaction processing fee, which its pages describe inconsistently. Honest read: above roughly $240,000 in GCI, Momentum’s cap makes it cheaper. Below that, 95/5 is. Higher commission rates narrow our edge; lower rates widen it.
Straight answer on geography
Momentum is in Northeast Florida. Here’s where we fit.
Momentum lists offices in Jacksonville, Mandarin and Ocala. Our REALTOR® memberships are ORRA, Suncoast Tampa, RWorld and the Space Coast Association, so we’re strongest in Central and South Florida and Tampa Bay.
Questions worth asking
Before you choose a “100%” brokerage
- Is the fee on price or on commission? On a price-based fee, lower commission rates cost you proportionally more.
- What’s the per-transaction fee, and who pays it? Get the exact amount in writing.
- Is E&O included? Momentum’s pages say agents pay it; ours is included in the $49.
Fair is fair
When Momentum may make more sense
- You gross more than about $240,000 and hit the $12,000 cap.
- You work Jacksonville or Georgia, where Momentum has one cap across both.
- You want to earn its recruiting revenue share. We don’t offer one.
Agents comparing Momentum ask
Is Momentum Realty really 100% commission?
Its pages say 100%, with a brokerage fee of 0.2% of each sale price up to a $12,000 yearly cap, plus a one-time $350 onboarding fee and a per-transaction processing fee.
Which costs less, Momentum or Firelight360?
At $400,000 sales and a 2.5% side, we cost less up to roughly $240,000 in yearly GCI. Above that, Momentum’s cap makes it cheaper.
Do you have a cap like Momentum?
No cap, because we start at 5% of your commission instead of a percentage of the price.
Can Jacksonville agents join Firelight360?
Talk to us first. We don’t currently belong to the Jacksonville-area board, so we’ll go over options honestly.
Where are you recruiting?
Orlando, Tampa, St. Pete, Miami and Fort Lauderdale, Palm Beach County and the Space Coast.
A fee on your commission, not your client’s price.
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