What is SAIC, Inc.

SAIC, Inc. offers you a unique opportunity to earn income in the real estate field by referring customers, through your broker, to licensed REALTORS®. It’s that simple.  

Whether you’re newly licensed and want to get your feet wet or the sun’s setting on your career and you need a place to hang your license, there’s income to be had as a referral associate. Signing up is easy, and the benefits are incredible. 

Working as a referral associate for SAIC, Inc. gives you an excellent opportunity to make money with your real estate license without the challenges and expenses involved with earning listings and showing buyers multiple properties. You can generate income with one phone call. It doesn’t take any sort of special certification to make referrals, and the benefits are abundant:  

Who can be a referral associate?

  • Someone working full-time in another career who wants to earn referral fees

  • Someone retired from real estate

  • Newly licensed individuals who are not ready to ready to commit to sales full-time

  • Someone who relocated to a new state but wants to maintain their Florida real estate license

  • Deployed military personnel

  • Stay-at-home parents

What are the benefits?

  • Full-Time Broker

  • On-Demand Personal Training

  • Social Media Content Provided

  • Earn Unlimited Income

  • No Board Dues or MLS Fees

  • No Supra e-Key Fees

  • No E & O Fees

  • No Tech Fees 

Got Questions? Call (813) 839-3800 or email to Relocation@SmithandAssociates.com


Why SAIC to  Referral Network?

As a referral associate with Smith & Associates Real Estate your license is held in SAIC, where you can earn extra income, keep your real estate license active, and receive unwavering company support in the placement and follow up for your referrals. With our tiered commission split schedule, the more referrals you close, the higher your income could be.

The benefits don’t stop there:

  • An experienced broker handles all the details of your referrals including:

    • Placing, tracking, & validating all paperwork is in place, so you get paid.

    • Following up with customer to ensure agent is providing extraordinary service.

    • Maintaining ongoing communication with assigned associate and validating expectations are met.

  • Your broker will have access to a vetted global network of brokers who have strong market presence & superior customer service. 

  • You can work from anywhere.

  • When previous customers call you, refer them and make money from their closed transactions.

Continuing Education

As a referral associate, your real estate license must be active with the state of Florida and remain in good standing.   

The Florida Real Estate Commission (FREC) requires continuing education and payment of dues to maintain an active license.   

Got Questions? Call (813) 839-3800 or Relocation@SmithandAssociates.com


+ What is a referral associate?

A referral associate is someone who holds an active real estate license but earns income by referring a person to a Realtor® as a lead rather than engaging in active sales.

+ How do I join SAIC as a referral associate?

It's so easy. Simply follow the instructions in the packet and submit your information with your payment. If you have any questions, you can contact the Relocation Department at (813) 839-3800 or email Relocation@SmithandAssociates.com

+ How do I place a referral?

You’ll contact the customer, gather as much pertinent information as possible about them and their buying or selling needs, and get permission to refer them. Important information to obtain includes their name, phone number(s), physical address, email address, area of interest, type of home (single family home, condo, townhouse?), price range, and any other information necessary to place the referral with a real estate broker. The more information you can obtain, the easier it will be to meet the customer’s expectations. To place your referral, call the Relocation Department at (813) 839-3800 or email Relocation@SmithandAssociates.com

+ How do I get paid?

When a real estate transaction closes, the destination company will pay Smith & Associates Real Estatea referral fee from their gross commission. SAIC will receive that referral fee check via postal mail within 10 business days of closing. The referral fee check is processed and then SAIC will mail a check to you the next business day or direct deposit to your banking account.

+ Can I have a full-time job in a different profession?

Of course! SAIC, Inc. was created for people just like you who have chosen not to pursue real estate as a full-time career, who are changing their occupation, or are retiring from full-time work as a real estate agent. As a referral associate, you can still generate referrals through personal and business networking channels even with a different full-time job.

+ Can I place international referrals?

Yes! SAIC, Inc. has relationships with brokerages both inside the US and internationally. We can assist your customer in finding an agent almost anywhere in the world.

+ Can I list a property?

As a referral associate, you are ineligible to list or sell any property, participate in negotiations, or execute any real estate documents. You can refer your customer to an active REALTOR® who will, in turn, provide a referral fee for the introduction if that introduction results in a closed transaction.

+ What is the total start-up cost?

The cost is only a $65 annual fee. There are no local or national board membership dues or MLS fees to be paid.

+ Do I have to join the local real estate board and/or MLS?

No! As a referral associate you will not be required to join the local, state, or national Board of Realtors, nor will you be an MLS member.

+ Is continuing education required?

Referral associates are required to maintain their Florida Real Estate License at their own expense. Therefore, FREC’s continuing education requirements must be met. 

+ Can I place a referral with a REALTOR® I know?

Yes! If the individual is an active REALTOR®, SAIC, Inc. will place the referral with that individual, then generate a referral agreement and track the execution of all the paperwork. However, if the referral associate does not direct the referral to a specific full-time sales associate, SAIC, Inc. will select a reputable real estate broker in the service area.

+ Do I pay errors and omissions fees?

No! E&O fees are not a requirement for referral associates because you are not practicing real estate.

+ What happens if I move out of state?

There is no requirement for referral associates to live in the state of Florida. If you complete the continuing education required to keep your real estate license in current status, you can live anywhere you wish.


How to Join

Ready to start earning money as a SAIC Referral associate? Signing up is easy!  

Simply review the Referral Associate Enrollment Packet, provide the required documents listed below:  

  • Associate Profile Form 

  • Acknowledgement Form (Page 8 of Associate Manual) 

  • DBPR Form  

  • IRS Form W-9 

  • Copy of your current real estate license 

  • $65 annual fee by check 


  • Printable Referral Associates Packet

Questions? Call (813) 839-3800 or Relocation@SmithandAssociates.com