Flat-Fee Real Estate Broker in San Francisco

One fee for the whole transaction, not a percentage of your sale price. FSBOTransact charges $6,000 flat for contract, disclosures, escrow, and closing when you already have your buyer. Licensed California broker, standard forms, no surprises.

In Brief

What is a flat-fee real estate broker?

A licensed broker who charges one agreed price for the transaction, not a percentage of your sale. The service includes contract, disclosure preparation, escrow coordination, and closing. Third-party costs like title insurance and escrow fees are billed separately by escrow at closing.

How much does it cost?

FSBOTransact charges $6,000 flat, paid out of escrow at closing (not out of pocket). Compared to a 5% commission on a $1.5 million home ($75,000), the savings are roughly $69,000 for the same professional transaction management.

Is flat-fee the same as flat-fee MLS or discount brokerage?

No. Flat-fee MLS and discount brokerage both help you find a buyer: they list, market, and show the property. FSBOTransact assumes you already have your buyer, which is why the fixed fee is lower. The work is transactional coordination, not buyer search.

When does it make sense?

When you already have your buyer. Family sales, tenant purchases, friend or neighbor sales, off-market discoveries. Any transaction where the listing side of a commission would pay for services you don't need.

What a Flat-Fee Broker Does for the Fee

The flat-fee model only makes sense if the fee covers everything the transaction actually requires. FSBOTransact's $6,000 fee is all-inclusive and covers the four things every California home sale needs to close cleanly:

  • The disclosure package. Preparing and coordinating all required local and state disclosure paperwork. Third-party reports such as the NHD, the 3R Report, and any inspections are paid separately by the seller directly to the providers.
  • The purchase agreement. Drafted on current SFAR and CAR standard forms, the same documents every California lender and title company already works with.
  • Escrow coordination. Working with title, escrow, and any lender through contingency periods, appraisal, and clear-to-close.
  • Closing guidance. Reviewing final documents with both parties, confirming credits and prorations, and ensuring the deed records cleanly.

Bennett Mason is a licensed California real estate broker (DRE #01874337) with over 16 years of experience. Working with FSBOTransact means working with a licensed broker, not a document-preparation service. That distinction matters when the transaction hits an unexpected question.

Why Flat Fee Instead of Percentage

The percentage-based commission model was built for a specific reason: listing agents needed compensation for the marketing, showings, and buyer search required to find a buyer. When those services are actually performed, the percentage arguably reflects real work.

But the percentage structure has a strange property: it charges the same rate whether or not those services are needed. A $1.5 million home sale to your daughter costs the same 5% commission as a $1.5 million home sale to a stranger who took six months and eleven showings to find. The work is completely different; the fee is identical.

Flat fees exist because the transaction management portion of a home sale is a fixed amount of work. Preparing the contract takes the same effort whether the sale price is $800,000 or $2.4 million. Coordinating escrow follows the same sequence regardless of who the buyer is. Reviewing closing documents involves the same review process on any transaction. A flat fee prices this reality directly.

The percentage model prices what the agent might have to do. A flat fee prices what actually gets done.

When the buyer is already identified, the flat-fee model isn't a discount; it's an accurate price. The percentage would be paying for services the transaction never required.

The Flat-Fee Landscape: Not All Flat Fees Are the Same

"Flat fee real estate" covers several different service models, and the differences matter. Here's how the main options compare:

Model What You Pay What You Get
Flat-fee MLS $100–$800 Property listed on the MLS. You handle everything else: showings, negotiation, contracts, disclosures, escrow.
Discount brokerage 1–2% commission Reduced-percentage full service. Still a percentage, still tied to sale price.
Flat-fee transactional $5,000–$10,000 Full transaction management for a buyer-identified sale. Contract, disclosures, escrow, closing. What FSBOTransact does.

The right model depends on what you actually need. Flat-fee MLS makes sense if you want to list a property publicly and manage the transaction yourself. Discount brokerage may fit if you still need buyer search but want lower commissions. Flat-fee transactional is the fit when you already have your buyer and want professional handling without paying for services you don't need.

What It Costs, Compared

On a typical $1.5 million San Francisco home, here's how the numbers work:

Full-Service Agent

$75,000
5% commission

Listing, marketing, showings, buyer search, plus the transaction. Percentage rate applies regardless of whether those services are needed.

Real Estate Attorney

$10,000+
Hourly billing

$350–$500/hr with no cap. Non-standard contracts can slow escrow and confuse lenders.

Even a more conservative comparison holds up. If you paid only the listing side of a traditional commission split (the buyer's agent typically takes the other half), 2.5% on a $1.5 million home is $37,500. Against $6,000 flat, that's still $31,500 in savings for the same set of tasks.

How the Process Works

Most flat-fee transactional sales in San Francisco run 45 to 60 days from purchase agreement to recorded deed:

1

Free Consultation

A 20-minute call to understand your situation and confirm the flat-fee transactional model is the right fit.

2

Agree to a Price

The buyer and seller reach mutual agreement on the sale price. In flat-fee transactional situations this is usually already settled. A genuine meeting of the minds is the foundation of the transaction, which we then document in writing.

3

Contracts and Disclosures

We prepare the purchase agreement on standard forms along with all required local and state disclosures. Both parties review, sign, and open escrow.

4

Escrow Coordination

We coordinate with title, escrow, and any lender through inspections, appraisal, contingency removal, and clear-to-close.

5

Close with Confidence

Final document review, signing, funding, and deed recording. You receive a full electronic copy of all signed documents for your records.

Ready to Talk Through Your Situation?

A free 20-minute call is the fastest way to know whether flat-fee transactional is right for your sale.

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When a Flat-Fee Broker Is the Right Fit

The flat-fee transactional model is a fit for any sale where the buyer is already identified. The specific situation varies; the transaction pattern does not.

Family Sale

Parent to child, sibling buyout, grandparent to grandchild, trust to beneficiary. See our family sale service page for specifics.

Tenant Purchase

The tenant renting from you wants to buy. See our tenant sale service page for rent-control and financing considerations.

Friend or Neighbor Sale

A friend, neighbor, or long-time contact has agreed to buy. The negotiation is done; the transaction needs to close cleanly.

Off-Market Discovery

You surfaced a buyer through your own network without listing the property publicly. The transaction remains.

Business Partner or Investor Sale

Selling to a business partner, LLC member, or long-term investor you already work with.

FSBO with Buyer Found

You started as for-sale-by-owner, a buyer emerged, and now you need a licensed professional to run the transaction properly.

When to Also Involve an Attorney or CPA

Flat-fee transactional agency covers the transaction. Some sales carry additional structural or tax complexity where other professionals should also be involved:

  • Trust or estate structuring. An estate attorney should handle the trust; we handle the sale.
  • Below-market sales above the annual gift exclusion. A CPA should confirm the gift amount and prepare Form 709 if required.
  • Seller-carried financing. An attorney should draft the note and deed of trust to meet federal and California requirements for owner-financed loans.
  • 1031 exchanges into a new investment property. A qualified intermediary must hold the funds during the exchange window, and a CPA should coordinate the timing and structure.
  • Entity-to-entity transactions. LLC or partnership sales may require attorney involvement for the ownership transfer structure.

Don't Have Your Buyer Yet?

A flat-fee transactional broker only makes sense when both sides have already found each other. If you're at the earlier stage, knowing you want to sell but haven't identified a buyer, you need a different approach.

Our sister platform OpenKnocks matches San Francisco homeowners with buyers privately and off-market. It's built for exactly this stage of the journey. Once you have a buyer, come back here and we'll run the transaction.

Frequently Asked Questions

Is FSBOTransact a licensed brokerage?
Yes. Bennett Mason holds an active California real estate broker license (DRE #01874337) and is a member of SFAR, CAR, and NAR. Working with FSBOTransact means working with a licensed broker, not a document-preparation service.
What if the buyer needs financing?
Most buyer-identified transactions still involve financing. Our use of standard SFAR and CAR forms is an advantage here. Every California lender's underwriting team already knows these documents, which keeps the transaction moving through appraisal, conditions, and clear-to-close on the normal timeline.
Are there any hidden fees on top of the $6,000?
No. The $6,000 flat fee covers the complete transactional service on the FSBOTransact side: contract, disclosure preparation and coordination, escrow coordination, and closing. Standard third-party costs are billed separately and paid directly to those providers, including title insurance, escrow fees, county recording fees, inspections, and required disclosure reports such as the NHD (Natural Hazard Disclosure) and SF's 3R Report. These apply to any California real estate transaction regardless of who the broker is.
How is a flat-fee broker legally different from a full-commission broker?
It isn't. Flat-fee brokers hold the same California real estate broker license and are governed by the same laws, professional standards, and fiduciary duties. What varies between brokerages is the pricing model and the scope of services included, which any broker should define clearly at the outset.
Do we both need our own broker?
No. Flat-fee transactional agency is structured as dual agency: a single licensed broker representing both parties in the transaction. The broker owes a fiduciary duty to both the buyer and the seller (care, loyalty, disclosure, confidentiality) but cannot advocate for one side over the other. When the parties have already agreed on price and terms, the absence of advocacy isn't a problem. The negotiation is already complete before we're engaged.
Can we close faster than 45 days?
Yes. Cash purchases can close in 21 days or even faster; 7 days is possible when title is clear and both parties move quickly. Financed purchases are governed by the lender's timeline, which almost always drives the 45-day standard.
Where does FSBOTransact operate?
We're based in San Francisco with deep expertise in SF's specific regulations, and serve the East Bay, North Bay, and South Bay/Peninsula with the same depth of local knowledge. Transactional real estate services are available throughout California through our SFAR, CAR, and NAR memberships.

Ready to Talk Through Your Sale?

A free 20-minute call is the best way to find out whether a flat-fee broker is the right fit. No obligation, no sales pitch, just an honest read of your situation.

Book Your Free Consultation →

Prefer email? bennett@fsbotransact.com