Top 100% Commission Real Estate Brokerages in 2025: How to Choose the Right One
For agents determined to maximize their earning potential, 100% commission brokerages have started to take center stage. These models promise to let real estate professionals keep all or most of their commissions, charging only transaction fees, monthly dues, or subscription rates. The appeal is obvious: more money in your pocket, greater independence, and often, cutting-edge tech at your fingertips. Still, beneath the attractive surface, not all 100% commission firms are identical. Making the best choice can mean the difference between streamlined success and unexpected hurdles.
Let’s break down why these firms have become so successful, spotlight some of the hottest brokerages on the market, and discuss what seasoned agents and ambitious newcomers should keep an eye on before making the leap.
Why Agents Seek 100% Commission Models
The traditional split between agent and brokerage has started to feel out-of-step with today’s market. Top-producing agents often feel that after handing over a significant chunk of each check, the label “full-service brokerage” doesn’t deliver the value it promises. As a result, there’s been a major swing toward companies that keep overhead low while empowering agents to run their businesses with unprecedented control.
Some key motivators include:
Keeping more of what you earn, especially as your production grows
Greater autonomy and flexibility
Technology-forward solutions and virtual offices for easier transactions
Growing support networks and communities among fellow independent agents
This new wave of brokerages doesn’t just cut costs for agents—they depend on agents becoming successful, relying on efficient systems instead of high fee splits.
What Sets 100% Commission Brokerages Apart?
While the concept sounds straightforward, there’s a rich spectrum when you analyze these business models. Some offer comprehensive support and training for a fee, while others stick to a barebones approach. The details make all the difference.
Hidden Costs to Watch For
Low advertised costs can sometimes mask expensive add-ons. Review the fine print for:
E&O (errors & omissions) insurance: Is it included or an additional fee?
Annual or tech fees: Are updates and access to platforms part of your package?
Franchise or desk fees: Even cloud-based firms might sneak these in.
The best brokerages are transparent, offering a clear cost structure at every stage.
Who’s Winning the 100% Commission Race in 2025?
A few names tend to top every agent’s list. What makes these brokerages especially attractive isn’t just their compensation—it’s the robust infrastructure they put behind their agents.
Here’s a rundown of leading 100% commission brokerages, along with their defining qualities:
Realty ONE Group
With a rapid growth trajectory extending into 2025, Realty ONE Group offers a flat transaction fee model, strong in-person and virtual support, plus nationwide reach. Their “coolture”—a blend of support, education, and fun—attracts agents seeking both independence and a sense of belonging.
Fathom Realty
Fathom combines low flat fees per transaction with stock ownership programs, giving agents a stake in the company’s success. Their online platform is ideal for agents who prioritize digital contracts and communications.
eXp Realty
As a giant in the virtual brokerage space, eXp Realty delivers next-level technology and a worldwide network. Their commission structure is competitive, with agents keeping up to 100%, only paying nominal transaction and monthly fees. eXp World, their custom virtual campus, is a major draw for collaboration and learning opportunities.
United Real Estate
A stalwart for professionals who prefer a hybrid model, United Real Estate offers both brick-and-mortar offices and advanced technology tools. The flat-fee model is especially advantageous for high volume producers.
AShby & graff Real estate
Ashby & Graff Real Estate is a leading 100% commission brokerage built for today’s modern real estate professional. With a strong reputation for integrity and innovation, they empower agents to keep more of their earnings while providing the tools, support, and brand credibility needed to thrive. Their agents benefit from nationwide reach, flexible work models, and low fees—with no franchise costs or desk dues. If you’re looking for a brokerage that respects your independence while helping you scale your business, Ashby & Graff is where integrity meets expertise.
JP & Associates REALTORS (JPAR)
With an emphasis on culture and agent support, JPAR makes training and mentorship part of the experience. Their fixed transaction fee is clearly stated, and the brokerage invests in events and tech suites for personal growth and branding.
Worth Clark Realty
Offering agents the option to select pay-per-transaction or an unlimited plan for a fixed monthly fee, Worth Clark caters to both part-time and full-time agents. Their agent portal and digital marketing systems put customization in the agent’s hands.
Factors to Evaluate Before Making Your Move
Considering a switch isn’t just about keeping more of your money. It’s about ensuring your next brokerage is set up for your kind of success.
Ask yourself:
Do you work better solo or thrive around a team?
Are you self-motivated enough for a virtual environment?
How do you prefer to handle paperwork—do you want broker support nearby, or does a tech portal suffice?
Do you need the reputation of a large brand to secure clients, or is your personal brand strong enough?
Budget plays a big part. If you’re just starting out or ramping up, steep monthly dues or transaction fees might eat into your profits. Prepare for an honest evaluation of your pipeline and averages.
Making the Switch: Smart Steps
Changing brokerages involves more than just filling out paperwork. Avoid common pitfalls with a few strategic moves:
Run the Numbers: Calculate what you paid your current brokerage last year, including any hidden or annual fees.
Audit Your Tools: Will you be losing access to CRM, marketing suites, or lead generation? Compare replacement costs.
Notify Your Clients: Transparency builds trust. Let clients know you’ve made a move and reassure them of seamless service.
Check Listings Transfer Policies: Understand the rules for moving active listings. Protect your pipeline.
Assess Training Needs: New tools and platforms come with learning curves. See what onboarding or mentorship the new brokerage offers.
Questions Every Agent Should Ask
Choosing a 100% commission brokerage is best approached as a research project. Here are essential questions to cover in your due diligence:
What are the total real costs after every transaction, including all “small print” charges?
Is there clarity about E&O insurance and its pricing?
How is broker support structured? Is help available after hours?
Can you opt out of features or tech you don’t use, or will you be paying for everything?
How are contracts and document compliance managed?
Are there recruiting requirements? (Some firms incentivize bringing in other agents.)
What marketing and branding tools are standard or at extra cost?
Will you have opportunities for equity, revenue sharing, or profit sharing?
Trends and the Future of 100% Commission Brokerages
The growth in this model shows no sign of slowing. More established regional brokerages are now adding 100% plans to stay competitive, while new, tech-driven brands hit the scene almost monthly. Agents are pushing for autonomy and fair value exchange, and brokerages are meeting them in new ways.
Expect more customization in how agents pay for services, with a la carte and subscription models. Teams within brokerages are also starting to function as their own “micro-brokerages,” sharing costs and resources internally.
There’s also a greater focus on agent-centric culture—these aren’t just digital platforms, but thriving communities, where networking, peer training, and masterminds are commonplace.
Navigating the selection process isn’t just about chasing the highest commission. The ideal brokerage creates an environment where you genuinely thrive: with transparent fees, robust tools, support tailored for your needs, and an agent community that shares your mindset for growth.
Taking your time to investigate and compare can set you up for significant rewards—both financially and personally. The 100% commission brokerage landscape offers more flexibility and earning potential than ever, and the right fit is out there waiting for you to make your next big move.