Do I Need a Realtor When Going to New Construction?

Do you really need a realtor when buying new construction?

The short answer is no, you don’t need one.

But the smarter answer is you should absolutely consider having one.

Let’s walk through why.

Why You Don’t Need a Realtor for New Construction

Most builders make it very easy to buy directly from them.

They have:

• Model homes

• Sales offices

• On-site salespeople

You can walk in during office hours, tour the models, talk pricing, discuss options, and write a contract — all without ever bringing in a realtor.

I personally worked for builders for years, and back then, most buyers didn’t have an agent at all. The site agent’s entire job is to help you through the builder’s buying process.

So yes — you can do it on your own.

What You Need to Understand About Builder Site Agents

Here’s the part that matters.

Builder site agents:

• Work for the builder

• Are paid by the builder

• Represent the builder’s interests, not yours

And in most cases, they can only sell that builder’s homes.

If you don’t like what they have, they don’t get paid. Unlike a traditional real estate agent, they can’t take you to see something else. So there’s a built-in motivation to convince you that their home is the right fit.

That doesn’t make them bad people — it just means you need to understand who they work for.

Negotiating New Construction Is Very Different

There’s a common misconception that new construction is easy to negotiate.

Sometimes it is. Often, it’s not.

When builders are trying to hit:

• Month-end numbers

• Quarter-end numbers

• Year-end goals

• Community sales targets

You may see flexibility.

But when the market is strong and they’re hitting their numbers? There’s usually very little negotiation.

And when builders do negotiate, it’s important to know how.

What Builders Usually Won’t Do

• Reduce the base price

What They Will Often Do

• Offer closing cost incentives (usually tied to their preferred lender)

• Negotiate lot premiums (often inflated “fluff” numbers)

• Offer design studio or upgrade credits

Here’s why that matters:
An option that costs the builder $500 might be sold to you for $750. Giving you that option “for free” doesn’t actually cost them what you think it does.

Understanding where builders have flexibility is key.

Why Preferred Lenders Matter in New Construction

With new construction, all closing costs typically fall on the buyer.

There’s no traditional buyer-side vs seller-side closing cost split like resale homes.

That’s why builder incentives matter so much — and why they’re usually tied to using the builder’s preferred lender. Often, those incentives are actually funded by the lender, not the builder.

If you don’t understand this structure, you can easily end up paying far more out of pocket than you expected.

Why Having Your Own Realtor Can Help

Here’s the truth most buyers don’t hear:

Builders do not give you a better deal because you don’t have a realtor.

If you don’t bring an agent, the builder simply keeps more money — and you lose representation.

In most cases:

• The builder still pays the buyer agent commission

• Your price is the same

• But now you have someone whose only job is to protect you

A knowledgeable buyer’s agent can help with:

• Negotiating incentives the builder doesn’t advertise

• Understanding when and how to push

• Walkthroughs and punch lists

• Issues that come up during construction

• Knowing what’s normal — and what’s not

And sometimes, having an agent who understands new construction actually catches the site agent off guard — which can work in your favor.

Not All “New Construction Agents” Are the Same

This is important.

A lot of agents claim to be “new construction experts” because builder deals are easy to put together. Builders handle the contracts, closings, vendors, and timelines.

Where an agent really earns their value is:

• At the beginning — during negotiations

• At the end — when problems arise

If you’re going to use an agent, use one who actually understands the new construction process.

At CrossView Realty, we have agents who:

• Have worked directly for builders

• Understand builder contracts and incentives

• Know what to look for during walkthroughs

• And know how to advocate when something goes wrong

We also train our entire team on new construction, even if they haven’t worked for builders personally.

The Most Important Rule of New Construction

This part is critical.

👉 You usually cannot add an agent after you’ve already contacted the builder.

That means:

• Don’t walk into the model home alone

• Don’t call the builder directly

• Don’t submit an inquiry on the builder’s website

If you do, many builders will not allow you to bring in representation later.

If you want an agent:

1. Choose the agent first

2. Have them go with you on the very first visit

3. Let them make the initial contact and schedule appointments

Once you’ve gone in alone, your options may be gone.

Final Takeaway

Do you need a realtor for new construction? No.

But having one:

• Usually costs you nothing extra

• Gives you protection

• Helps you navigate incentives and negotiations

• And gives you someone on your side if things go sideways

If you’re considering new construction in Jacksonville, St. Augustine, Orange Park, or anywhere in Duval, Clay, or St. Johns County, we’d love the opportunity to help.

You’re always welcome to interview us, ask questions, and see if we’re the right fit for your situation.

Give CrossView Realty a call at 904-503-0672 or email info@crossviewrealty.com. We’re here to help you make smart decisions — before you ever step into a model home.