Traditional one-stop brokerages, he says, face the ever-present challenge of time; clients have the right to shop around for various services, be it mortgage, insurance or title. If they wait to look into outside sources for those services until they’re in contract on a transaction with a one-stop brokerage, doing so can present delays in the transaction. As much as one-stop brokerages exist to generate income and enhance clients’ experience, such brokerages exist to help control the transaction; they cannot, of course, control the intensions of clients.

In addition, Fraguio says one-stop brokerages are suffering from Dodd-Frank reforms – as well as other regulations – to the point where one-stop shops might close for good.

“The one-stop shop is an endangered species,” he says. “With all these regulations coming on down the line that are affecting title companies and mortgage companies that were offering their services to Realtors and creating partnerships with them to streamline the process, there is going to be a strain on the transactional timeline.”

Many one-stop brokerages, however continue to flourish, and don’t expect much chance to occur.

“One-stop brokerages are common today,” Shuffield says. “In any industry, if we’re buying a service, we want someone to guide and prepare us; people want to know they’re in good hands. There are a lot of other fine mortgage and title companies available, but the relationships have really benefited us more than anything. When we introduce our buyers to our mortgage or title company, many of them know they’re going to get great service.”