These unlicensed broker FRAUDS AND SCAMMERS have no accountability. 

Unlicensed, uninsured are the only terms that matter come court time.

But, would that not be illegal and acting as a unlicensed broker/agent?

See FL statutes 475.42 and 475.43.Also here is a guy that can help if you need him:https://www.richardhornsby.com/crimes/regulatory/unlicensed-practice-of-real-estate.html

Not having an NMLS or real estate broker license doesn't automatically mean that what they are doing is illegal since there are provisions for one-off mortgage lending by unlicensed individuals (lending your nephew money to finish the garage being a good example), but there's about a 95% certainty that if you're doing it for a living and/or actively putting yourself out there as a mortgage lender of any form (like if they are doing enough volume that they use email templates...), you are supposed to be licensed.Another flag is anyone asking for up-front fees before you're even in escrow, or fees once in escrow that exceed a normal appraisal cost.If BOTH of these tests fail -- no license AND up-front fees -- they're almost certainly a scammer.

The typical propaganda that unlicensed brokers use is just that.

An unlicensed owner trying to pull a fast one would require lawyers to prosecute. 

@Markia Dunn However, you should be clear about the laws on unlicensed wholesaling in your state.

I hired a general contractor who turned out to be unlicensed and did a decent job but was terrible at the paperwork.

If you're licensed or unlicensed, will determine how you negotiate buyer side commissions.