Agent Plus Realty vs. LoKation Real Estate: Which 100% Brokerage Saves You More?

Agent Plus Realty and LoKation Real Estate are two of the most recognized 100% commission brokerages in Florida. Both promise you keep your full commission. But the fee structures are meaningfully different — and those differences compound over a year of closings. This comparison breaks down the real costs at 6, 12, and 24 transactions per year.
Fee Structure at a Glance
Data verified as of June 10, 2026
Competitor fees, plans, and policies were sourced from each brokerage's official website on the date above. Fees may change without notice. We recommend confirming current rates directly with each brokerage before making a decision.
| Feature | Agent Plus Realty | LoKation (Blue Plan) | LoKation (Silver Plan) |
|---|---|---|---|
| Transaction fee | $595 (client-paid) | $99/side (agent-paid) | $499/side (agent-paid) |
| Monthly fee | $0 | $99/month | $0 ($99/year) |
| Startup cost | $0 | $199 | $199 |
| Quarterly compliance (FL) | $0 | $50/quarter | $50/quarter |
| E&O insurance | Included | Included | Included |
| Transaction management | Dotloop Premium (free) | Sphere platform | Sphere platform |
| Broker access | Direct phone/text | Staff + broker support | Staff + broker support |
Annual Cost Comparison: The Real Numbers
Assuming single-sided transactions (one side per deal). LoKation Blue Plan used as the most common comparison.
| Annual Transactions | Agent Plus (Agent Cost) | LoKation Blue (Agent Cost) | Difference |
|---|---|---|---|
| 6 transactions | $0 | $1,982 | You save $1,982 |
| 12 transactions | $0 | $2,576 | You save $2,576 |
| 24 transactions | $0 | $3,764 | You save $3,764 |
How We Calculated LoKation Blue Plan Costs
- 6 transactions: $199 startup + ($99 × 12 months) + ($99 × 6 sides) + ($50 × 4 quarters) = $199 + $1,188 + $594 + $200 = $2,181. Year 2 (no startup): $1,982
- 12 transactions: $1,188 + ($99 × 12) + $200 = $2,576
- 24 transactions: $1,188 + ($99 × 24) + $200 = $3,764
Agent Plus agent cost is $0 because the $595 transaction fee is paid by the client at closing, not deducted from the agent’s commission.
Where Each Brokerage Excels
Agent Plus Realty Strengths
- $0 agent cost per transaction — the single biggest financial advantage
- Direct phone/text access to Broker John Santos — no ticket system
- Free Dotloop Premium for all agents
- Access to 4 MLS systems (Miami REALTORS®, BeachesMLS, SW Florida MLS, Stellar MLS)
- New agent mentorship included at no additional cost
LoKation Real Estate Strengths
- Large brand presence across Florida with multiple office locations
- Sphere online platform with built-in CRM and marketing tools
- Extensive training library (in-person, remote, on-demand)
- Silver Plan option for low-volume or part-time agents ($0/month)
The Bottom Line
Both are legitimate 100% commission brokerages with solid support. The decision comes down to cost structure: if you want to eliminate all out-of-pocket brokerage costs, Agent Plus Realty’s client-paid model is, in our view, the strongest cost advantage available. If you value a large-office environment and are comfortable paying monthly + per-transaction fees from your commission, LoKation is a strong choice.
Run your own numbers with our commission splits comparison.
Frequently Asked Questions
Is Agent Plus Realty really $0 out of pocket for agents?
Yes. The $595 transaction fee is a line item on the client’s closing statement (HUD). The agent never pays the brokerage at closing. There are no monthly fees, desk fees, or startup costs.
Does LoKation charge more for luxury transactions?
LoKation’s per-side fee is the same regardless of sale price ($99 on Blue, $499 on Silver). However, the monthly and compliance fees add up independently of transaction value.
Which brokerage is better for a new agent?
Both accept new agents. Agent Plus includes mentorship at no cost. LoKation provides training through Sphere. Based on the published fees, the financial advantage is with Agent Plus — a new agent closing 4 deals in their first year saves approximately $1,500+ compared to LoKation Blue Plan.
Ready to Compare for Yourself?
See the full 100% commission model and calculate your savings.

John Santos
Licensed Real Estate Broker \u00b7 CQ1048144
John Santos is the founder and licensed broker of Agent Plus Realty, a 100% commission brokerage serving 170+ agents across Florida.

