Florida law, the way the Sales Associate exam tests it
Transaction brokers and single agents, escrow rules, homestead and condos, Florida contracts, doc stamps and closing — across all 19 exam areas.
Florida's exam has no separate National portion. It is one 100-question exam: the general principles — appraisal, financing, contracts, math — are tested together with Florida law, and these lessons cover both. The National lessons are optional background.
The Real Estate Business in Florida
What Florida law counts as real estate brokerage, the specialties inside the business, how development and government fit in, and where trade associations stand.
License Law & Qualifications for Licensure
Who needs a Florida license, the exemptions, the path from Course I to an active sales associate license, post-licensing and CE, license statuses, and broker requirements.
FREC, DBPR & How Real Estate Is Regulated
How the seven-member Florida Real Estate Commission is built, what it and DBPR's Division of Real Estate each do, and the notices every licensee owes the regulator.
Brokerage Relationships: Transaction Broker, Single Agent & No Relationship
Florida's three authorized brokerage relationships, the transaction-broker presumption, each relationship's duties and disclosure timing, the transition consent, and designated sales associates.
Brokerage Offices, Advertising, Escrow & Commissions
Florida's office and sign rules, advertising and team names, escrow deadlines and dispute procedures, how commissions may be paid, business entities, trade names and unlicensed assistants.
Violations, Penalties & the Complaint Process
The seven steps from complaint to appeal, key grounds for discipline, administrative and criminal penalties, citations and notices of noncompliance, and the Real Estate Recovery Fund.
Fair Housing, Environmental & Lending Laws, and Florida Security Deposits
Florida's Fair Housing Act classes, prohibited acts and exemptions, lead-paint and CERCLA basics, ECOA and RESPA, and the Residential Landlord and Tenant Act deposit and advance-rent rules.
Property Rights: Estates, Tenancies, Homestead, Condos, HOAs & Timeshares
Real vs. personal property, freehold and leasehold estates, Florida co-ownership rules, homestead protection and tax exemption, and the cancellation rights for condos, HOAs and timeshares.
Titles, Deeds & Ownership Restrictions
How title passes voluntarily and involuntarily, Florida's recording act and notice, deed execution and the statutory warranty deed, title protection, and easements, liens and restrictions.
Legal Descriptions: Metes and Bounds, Lot and Block & the Government Survey
Why a legal description must identify one parcel, how metes-and-bounds, lot-and-block and Florida's government survey work, and the acreage math the exam asks for.
Real Estate Contracts: Writing, Listings & Florida Disclosures
Florida's statute of frauds, how long parties have to sue on a contract, what every written listing must contain, and the disclosures a buyer must get before signing.
Residential Mortgages: Lien Theory, Loan Types & Qualifying
Florida's lien theory, the note and mortgage, common loan features, conventional vs. FHA vs. VA loans, assumptions, qualifying ratios, and the finance math the exam asks for.
Sources of Financing: the Fed, the Mortgage Markets & Lending Laws
How the Federal Reserve affects the money supply, primary vs. secondary mortgage markets, Fannie Mae, Freddie Mac and Ginnie Mae, and the federal disclosure and fair-lending rules.
Closing Math: Doc Stamps, Intangible Tax, Prorations & the Statement
Florida documentary stamp tax on deeds and notes, the intangible tax on mortgages, property tax prorations, commission splits, and how each item lands on the closing statement.
Real Estate Markets: Local, Cyclical and Measured by Supply
Why real estate markets are local and cyclical, the economic factors that drive demand, how months' supply measures inventory, and what 'market value' assumes about a normal sale.
Appraisal: USPAP, Market Value, the Three Approaches, CMA & BPO
Who may appraise in Florida, what a sales associate's CMA or BPO may not be called, the federal market value definition and appraisal threshold, and the math of all three approaches.
Investments & Business Brokerage: NOI, Leverage, Depreciation & 1031
How investors measure income property (NOI, cap rate, DSCR), how leverage magnifies returns and risk, depreciation and like-kind exchange basics, and why brokering a business needs a license.
Taxes Affecting Real Estate: Homestead, Save Our Homes & Tax Bills
Florida just value, the homestead exemptions and March 1 deadline, Save Our Homes and portability, millage math, tax bill discounts and delinquency, plus the federal homeowner tax rules.
Planning & Zoning: Florida's Community Planning Act
How Florida local governments plan growth: the Community Planning Act, the local planning agency, comprehensive plan elements, concurrency, land development regulations, and code enforcement.