StraightKeys
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Agent-free home buying

Buy your new home. No agent needed. Keep the decisions.

StraightKeys is the toolkit for buying a new home directly from the builder - structured offers, verified parties, and every milestone tracked on one transparent rail.

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The money

Commission math, in the open.

On a $415,000 new home - about the U.S. median - here is what each path typically costs.

$11,200 est. buyer-side commission on a $415,000 new home

A buyer-side commission

$11,200 est.

Builders typically pay 2.5-3% of the price to the buyer side when an agent is in the deal. That cost lives inside the same transaction you are paying for.

A flat fee on StraightKeys

$1,500-$4,000 typically

The same purchase runs on a flat fee. Fees are settled at close - never upfront, never financed into your loan.

The difference - roughly $7,200-$9,700 on that example (est.) - is cost that leaves the transaction. Depending on the builder, your state, and your loan's contribution caps, it can show up as closing costs covered, a rate buydown, or a lower price.

Deposits go to licensed escrow - never to us Every approval logged Counters come back as diffs EN + ES everywhere Verified: ID + financing documented You review. You send.

The toolkit

Serious tools, honest defaults.

Nothing sends until you approve it

Every binding step ends at the same gate: a plain-language sheet, then your explicit approval. The platform transmits your offer in your name - it never sends anything on its own.

REVIEW & SEND

You're about to make a real offer.

Take a breath. Here is exactly what this does.

Your offer of $384,990 for 456 Juniper Court transmits to Cedarline Homes - from you, in your name.

If accepted and you sign, your $4,000 earnest money is committed - protected by your three contingencies.

Nothing is negotiated on your behalf. Counteroffers come back to you as term-by-term diffs - your decision, every time.

APPROVALS - BOTH BUYERS MUST APPROVE

Maya R. (you) ✓ approved
Diego R. (co-buyer) pending - nothing sends until every buyer approves

Nothing is sent, signed, or spent until you tap Approve. Your approval is recorded with today’s date. receipt #SK-2026-07214

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Incentives, decoded honestly

Flex cash, buydowns, design credits - the decoder converts each one into what it actually does to your loan. And when a package crosses your loan's contribution cap, it says so and shows the fix, before you commit to anything.

INCENTIVE DECODER

“$8K flex cash + 2-1 buydown + $5K design credit”

What that pitch actually means for your loan:

$8,000 can pay your closing costs - the fees due at signing. It is not cash in your pocket.
$6,435 est. buys a 2-1 rate buydown: your payment starts lower, stepping up over two years.
$5,000 design credit - this home is finished, so it converts to a closing-cost credit.
Conventional IPC cap · 3% at 95% LTV = $11,700 $19,435 offered · est.
Within cap Over cap

$7,735 is over the cap - it simply vanishes unless restructured. Ask for a price reduction of $7,735 instead: it keeps that value in the deal, with no cap issue.

With an FHA loan the cap is 6% ($23,399) - this package fits there.

Estimates, not lender terms - you choose your lender, always.

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Counters come back as diffs

Never a wall of paper. Changed terms are shown term by term - what moved, by how much, and what stayed put. You accept, counter, or decline.

Counteroffer received from Cedarline Homes v1 → v2
  • Offer price $384,990 $387,490 +$2,500
  • Closing-cost credit $8,000 unchanged
  • Closing date Aug 8, 2026 unchanged

You decide - accept, counter, or decline. Nothing moves without your approval.

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Everyone verified

Homes without agents are a fraud target. Verifying every person in every deal - buyers, builders, title - is how strangers safely hand each other keys.

Identity verified Business verified

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Every approval is logged

Each one carries a date, a time, and a receipt number you can always see. Provenance labels say who updated every status, and when - an audit trail of your purchase that belongs to you.

Maya R. approved offer v2 Jun 10 · 2:14 PM #SK-2026-07214
Diego R. approved offer v2 Jun 10 · 2:31 PM #SK-2026-07215
Maya R. approved earnest deposit Jun 14 · 9:02 AM #SK-2026-07310

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How it works

Five steps, one rail.

  1. Search builder inventory

    New homes straight from the builders selling them, prices and incentives decoded into plain language.

  2. Verify once

    One document-and-selfie check covers every tour and every offer. Everyone else in your deal verifies the same way.

  3. Tour on your schedule

    Self-guided tours with one-time access codes, where builders offer them - no waiting on anyone's calendar.

  4. Build and send your offer

    Structured terms, explained in plain language. Nothing sends until you review it and approve it.

  5. Close on the rail

    Earnest money, title, lender milestones, signatures - every deadline visible, start to keys.

See the full walkthrough

Free tools

Check the math before you commit.

Two free calculators, open to anyone - no account needed.

Commission calculator

What does a commission cost at your price - and what do you get for it? Run your own numbers.

Seller net sheet

Selling a home? See an estimate of what you would walk away with, line by line.

Try the free tools

For builders

Building homes? Meet verified buyers.

StraightKeys registers and verifies buyers before they reach your sales office - identity checked, financing documented, representation status recorded - then runs the purchase from reservation to close on one rail.

For builders

The biggest purchase of your life, with clear eyes.

You see every term, every dollar, and every deadline. Nothing is sent, signed, or spent until you approve it.

Fees are settled at close - never upfront, never financed into your loan.

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