100% Commission Real Estate Brokerages in Texas: What to Expect in 2026
If you're a Texas real estate agent tired of watching your hard-earned commission disappear into brokerage fees, you're not alone. The 100% commission model has exploded in Texas over the past few years, and for good reason: agents keep more money while still getting the support they need.
But here's the thing—not all 100% commission brokerages are created equal. Some charge hidden fees that eat into your "100%." Others leave you completely on your own with no support, training, or technology.
This guide breaks down exactly what 100% commission means in Texas, what to watch out for, and how to find a brokerage that actually delivers on the promise.
What Does "100% Commission" Actually Mean?
When a brokerage advertises 100% commission, they're saying you keep 100% of your commission check—no split with the broker. Instead of the traditional 70/30 or 80/20 split, you pay a flat monthly fee or per-transaction fee.
Traditional split example: - $10,000 commission earned - 70/30 split = you keep $7,000, broker takes $3,000
100% commission example: - $10,000 commission earned - $99/month fee = you keep $9,901 ($10,000 minus monthly fee)
The math gets better the more you sell. An agent closing 20 transactions at $10,000 average commission would keep $200,000 at a 100% brokerage versus $140,000 at a 70/30 split. That's a $60,000 difference.
The Catch: What "100% Commission" Brokerages Actually Charge
Before you sign with any 100% commission brokerage in Texas, understand the fee structures:
Monthly Fees
Most 100% brokerages charge a flat monthly fee ranging from $85 to $500. The average sits around $100-150/month for basic sponsorship.
Per-Transaction Fees
Some brokerages charge $300-500 per transaction on top of (or instead of) monthly fees. Calculate your average deal volume to see which model works better for you.
E&O Insurance
Errors and omissions insurance is mandatory. Some brokerages include it; others charge $300-600/year extra.
Technology Fees
CRM access, transaction management software, and marketing tools may cost extra. Some brokerages bundle everything; others nickel-and-dime you.
Cap Structures
Some "100% commission" brokerages actually have a cap—they take a percentage until you hit a threshold, then you go to 100%. Read the fine print.
What Support Should You Get at a 100% Brokerage?
Going 100% commission doesn't mean you should go without support. Here's what reputable 100% brokerages in Texas provide:
Broker Sponsorship
Your license must be sponsored by a licensed Texas broker. This is non-negotiable and is the legal requirement for practicing real estate in Texas.
Transaction Coordination (Optional)
Some brokerages offer TC services for an additional fee, handling contract-to-close paperwork. This can be worth it if your time is better spent prospecting.
Technology Stack
Expect access to: - CRM for lead management - Transaction management system - E-signature platform (DocuSign, Dotloop, etc.) - Basic marketing tools
Training Resources
Even experienced agents benefit from ongoing education. Look for brokerages offering: - Contract training updates - Market analysis resources - Compliance guidance - TREC CE credit opportunities
Broker Support
When deals get complicated—and they will—you need a broker who answers the phone. Ask any prospective brokerage: "What's your response time for urgent questions?"
Red Flags: What to Avoid in 100% Commission Brokerages
"No Fees" Claims
If a brokerage claims zero fees, they're making money somewhere. Maybe it's referral fees, mandatory lead programs, or hidden charges. Get the full fee schedule in writing.
No Training or Support
Some discount brokerages provide sponsorship and nothing else. If you're experienced and self-sufficient, that might work. If you're newer or want backup on complicated deals, look elsewhere.
Poor Reputation
Check Google reviews, ask agents who've worked there, and verify the broker's TREC license status. A broker with complaints or disciplinary actions is a liability.
Long Contracts
Avoid brokerages requiring 12+ month commitments. The best 100% brokerages are confident enough in their value that they don't need to lock you in.
How to Choose the Right 100% Brokerage in Texas
Step 1: Calculate Your Break-Even Point
Compare your current split to potential 100% brokerage costs. At what production level does 100% commission save you money?
Example calculation: - Current: 80/20 split, $100/month desk fee - Prospective: 100% commission, $150/month fee
At $8,000 average commission: - Current model: Keep $6,400 per deal (80%) - 100% model: Keep $8,000 per deal (100%)
You save $1,600 per deal. Even with the extra $50/month fee, you're ahead after your first closing.
Step 2: Evaluate the Technology
Ask for a demo of their CRM, transaction management, and marketing tools. You'll use these daily—they need to be intuitive and actually useful.
Step 3: Talk to Current Agents
Ask the brokerage for references. Better yet, find agents on your own through LinkedIn or local real estate groups. Ask them: - How responsive is the broker? - Are there hidden fees they didn't expect? - Would they recommend it?
Step 4: Review the Agreement
Get the independent contractor agreement and fee schedule in writing. Have a real estate attorney review if needed. Look for: - Exit clauses - Fee escalation terms - What happens to pending deals if you leave
Making the Switch: Practical Steps
If you've decided a 100% commission brokerage is right for you, here's how to switch:
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Don't burn bridges. Give proper notice to your current brokerage per your agreement.
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Notify TREC. Your new broker will handle the license transfer, but verify it's complete on the TREC website.
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Transfer your deals. Coordinate with your current and new broker on pending transactions.
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Update your marketing. New email signature, business cards, website, MLS profile—update everything.
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Notify your sphere. Let past clients and referral partners know your new brokerage (and that your service won't change).
The Bottom Line
100% commission brokerages make sense for producing agents who don't need hand-holding. If you're closing deals consistently and want to keep more of what you earn, the math almost always favors the 100% model.
But don't sacrifice support for savings. The best 100% brokerages in Texas—RaiderX included—give you the commission structure you want with the technology, training, and broker support you need.
Ready to see what keeping 100% of your commission looks like? Apply for RaiderX sponsorship and get a response within 48 hours.
RaiderX offers 100% commission broker sponsorship in Texas starting at $99/month. All plans include CRM access, transaction tools, marketing resources, and responsive broker support. Learn more about our sponsorship levels.