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The Local

Ranked American Fork

Seven, once the valley's scenery is handed back

The 7 best things to do in American Fork.

A paying national forest corridor at the top of the city, a 22 acre complex with six free pickleball courts on it, a harbour and sand beach that reopened in June 2025, eight days of festival in July, a competition pool that works in January, a city owned eighteen holes and a Main Street that survived. Ranked in the order I would work through them.

By Scott Buehler, Moving Utah Updated August 2026

Southern Utah is my home turf. American Fork is not, so these pages are researched rather than lived: checked against city, county and venue sources, and dated so you can see how fresh they are. For the on-the-ground work here I lean on a Utah County partner agent.

The list at a glance

WhatWhere or whenWhat you get
American Fork CanyonThe drawa national forest fee corridor that starts where the streets stop
Mary and Art Dye ParkFree, year round22 acres on 1000 North with six dedicated courts on it
American Fork Beach and Boat HarborThe lake doorrebuilt for 3.9 million dollars and reopened in June 2025
Steel DaysMid to late Julyeight days, two Saturdays and about nine venues
The American Fork Fitness CenterIndoors, all yeara 500,000 gallon competition pool on Center Street
Fox Hollow Golf ClubCity ownedeighteen holes at the north end of 200 East
The historic Main Street coreFree, year roundan 1903 city hall, a tabernacle and a schoolhouse becoming an arts centre

Seven, because seven is what survives an honest count in a city of about 33,000 people once the valley's shared scenery is handed back to the region pages that own it. Mount Timpanogos, the ticketed cave in the canyon wall, the Alpine Loop drive, Utah Lake as a body of water, the seventeen mile canal trail across the bench and the two campuses down the corridor are all deliberately missing from this table, and every one of them has a page of its own at valley level. Three of the seven run on somebody else's season and one of them exists for eight days a year.

American Fork Canyon

The draw · a national forest fee corridor that starts where the streets stop

Nothing else in this city competes and nothing else comes close. The streets on the north east side of American Fork run out against a gorge, and SR-92 carries on into a paying national forest corridor with reservoirs, campgrounds, climbing crags, trailheads and a rough dirt road system above them. It is the reason people who have never heard of this city have heard of its canyon.

The money is the first thing to settle and it has changed. The Uinta-Wasatch-Cache National Forest charges by the vehicle: ten dollars for three consecutive days, twenty for seven and sixty for twelve months, checked in August 2026. Interagency America the Beautiful passes are honoured in place of buying one, there is no charge for driving straight through without stopping, and the pass is required when you stop at a developed site and display it in the vehicle.

The second thing to settle is which road you actually want. SR-92 is the paved through route and it climbs to a winter gate that shuts the upper section for half the year. SR-144 breaks off to the north west and runs 2.4 miles to Tibble Fork Reservoir, which is the busiest single car park in the canyon. Beyond it two rough dirt roads, one to Silver Lake Flat and one along Timpooneke, ask for a vehicle with clearance and reward it.

Why it ranks first

Because the rest of this list is a good city and this is a national forest. Ten dollars buys three days of a canyon that runs from about 5,000 feet at the mouth to reservoirs above 6,000 and alpine ground above that, and no other entry here changes what a weekend can be in the same way.

Where this entry stops

At the logistics. The mountain above the canyon, the ticketed cave in its south wall and the Alpine Loop drive over the top are shared with the whole valley and are written once at region level rather than by each city that can see them. This entry covers the pass, the gate, the lots and the roads.

The details

Where The north east corner of the city, where SR-92 enters the gorge
From Main Street Roughly 6 miles north east, about 12 minutes by car
Season Lower canyon and SR-144 year round; the upper loop shuts behind a winter gate from roughly late October to late spring
Cost Ten dollars for three days, twenty for seven, sixty for a year, per vehicle, checked August 2026
Time needed Half a day for the reservoir, a full day for anything beyond it

Getting there

Head north east out of the city on 500 East and follow SR-92 into the gorge. The first information station is on the American Fork side and sells passes on the days it is staffed; self service stations sit further in and Recreation.gov sells the same passes in advance.

Before you go

  • Weekend car parks at the reservoir fill early. Rangers turn drivers away from a full lot rather than letting them queue on the road.
  • One trailhead now runs a weekend timed entry ticket in the second half of summer, which is the single most common surprise in this canyon.
  • The fee schedule, the gate mileposts, the reservoir lots and the rough roads are all on the canyon page.

Mary and Art Dye Park

Free, year round · 22 acres on 1000 North with six dedicated courts on it

The city's recreation centre of gravity sits at 550 East 1000 North, and in May 2025 it got its name put right. The council voted unanimously to rename Art Dye Park as Mary and Art Dye Park, honouring an instruction attached to the 1979 land donation that had gone unobserved for more than forty years. Signage, the festival programme and the city's own event listings now use the longer name.

What is on the ground is a genuine complex rather than a neighbourhood park: five ball diamonds with a scoring tower, soccer ground, six free dedicated pickleball courts with permanent nets and lights, a disc golf course, playground, picnic tables, restrooms, shade trees and open grass. Singletrack runs through the trees on the same site, and the American Fork River Trailhead is reached from here.

The complex is about 22 acres and it is leased from the state of Utah rather than owned outright, which is unusual enough to be worth knowing and explains some of the site's history. Secondary sources put the acreage at about 21.75, the city does not publish a figure on its facility page, and the two numbers are close enough that either is a fair description of the ground.

Why it ranks second

Because it is free, it is open every month, and the density of what is on it beats anything else inside the city limits. Six dedicated courts with permanent nets, a disc course and a trailhead on one site is a lot of reasons to drive somewhere that costs nothing to use.

The one week it is not a park

During the July festival week this site carries the carnival, the food and vendor market, the concerts, the fireworks and several tournaments at once. It is a superb place to be that week and a poor place to expect a quiet morning on a court.

The details

Where 550 East 1000 North, on the north east side of the city
From Main Street About a mile north east, roughly 4 minutes by car
Season Year round; court lights go off at about 10:30 in the evening
Cost Free, including the pickleball courts and the disc golf
Time needed An hour for a round or a game, half a day if the diamonds are in use

Getting there

Take 1000 North east from the city centre and the complex opens up on the south side of the road at 550 East. Parking is on site and it is the constraint on tournament weekends rather than on ordinary ones.

Before you go

  • The courts are first come and free, so mornings and late evenings are the reliable windows in summer.
  • The singletrack through the park is a genuine trail rather than a path, so it behaves like one after rain.
  • The renaming, the courts, the trail junction and the festival load are all on the park page.

American Fork Beach and Boat Harbor

The lake door · rebuilt for 3.9 million dollars and reopened in June 2025

The city's other end is water. The American Fork Beach and Boat Harbor sits at 1730 South 100 West where the road runs out against Utah Lake, it is run by American Fork City rather than by the state, and it reopened on 30 June 2025 after a 3.9 million dollar improvement project with a soft opening a month before that.

What the money built is landside and it is obvious the moment you arrive: new parking, new restrooms, a welcome building, an expanded sand beach with shade structures, a playground, benches and a large sitting wall, a twelve foot wide trail, cornhole and improved fishing access. The result is a site that works for people who arrive with nothing as well as for people who arrive towing something.

The fee card is short. Launching a boat costs ten dollars, parking a car costs five, and walking or cycling in is free. Annual passes run eighty dollars for residents and one hundred for non residents and are not refundable. Standard operating hours are posted as 8am to 6pm, and the site is day use only with no camping.

Why it ranks third

Because it is the cheapest way onto Utah Lake from this side of the valley and because the beach makes it usable by people with no boat at all. It ranks below the park only because it works for part of the year and the park works for all of it.

What this entry is not

It is not the lake. What the water is doing as a body of water, how the state and the county issue advisories on it and what the restoration argument is about are all valley subjects with a region page of their own. This entry stops at the property line and the fee card.

The details

Where 1730 South 100 West, at the south end of the city against Utah Lake
From Main Street About 2 miles south, roughly 6 minutes by car
Season The open water season; posted operating hours are 8am to 6pm
Cost Five dollars a vehicle, ten dollars to launch, free on foot or by bicycle, checked August 2026
Time needed Two to four hours, and an evening if you stay for the light

Getting there

Follow 100 West south until the grid stops at the water. The approach crosses the flats at the bottom of the city and the entrance is at the end of the road rather than off a side street.

Before you go

  • Ring 801-763-3023 to confirm hours before travelling, because the site was still finishing works after the reopening.
  • Check the current advisory position for the lake before you plan to get in the water in high summer.
  • The fee card, the annual pass, what the rebuild built and the July festival day are all on the harbour page.

Steel Days

Mid to late July · eight days, two Saturdays and about nine venues

American Fork's own week runs across the second half of July, and in 2026 it ran from Saturday 18 July to Saturday 25 July, billed as the 81st year. It is a full civic festival rather than a fair: a schedule that fills eight days, spreads across roughly nine venues, and is largely free at the gate.

The two Saturdays are the anchors and they are not the same event twice. The opening Saturday carries the car show at Rotary Park, a car cruise and a burnout contest, the opening concert, and a drone show with a hot air balloon glow at about 9:45 in the evening. The closing Saturday carries the run at seven in the morning, the grand parade at nine on Main Street and 100 East, the Big Show at eight and fireworks at ten.

The middle of the week is where the city shows what it owns. Golf tournaments at Fox Hollow including a night glow round, symphony at the Quail Cove amphitheatre, a beach and marina day at the harbour, pickleball tournaments running from six in the morning, an art show at the library, a quilt show at the senior centre and a movie in the park.

Why it ranks fourth

Because it is genuinely excellent and it exists for eight days a year. Everything above it on this list is available for months at a time. A week that vanishes for the other forty four ranks below the ground that does not, however good the fireworks are.

The mistake visitors make

The balloon element is an evening glow rather than a morning mass ascension, and it is tied to the drone show on the opening Saturday. People arrive at dawn expecting balloons in the air and find an empty field.

The details

Where Across the city: Mary and Art Dye Park, Main Street, Rotary Park, Fox Hollow, Quail Cove and the harbour
From Main Street The parade forms on it; nothing in the week is more than about two miles away
Season The second half of July; 18 to 25 July in 2026
Cost Most events free; the run, the tournaments and the carnival carry their own charges
Time needed An evening for one fixture, or both Saturdays for the real thing

Getting there

Everything sits within about two miles of the city centre. The parade route runs on Main Street and 100 East, the park venue is on 1000 North, and the car show sits at Rotary Park at 400 South 200 East rather than up the canyon.

Before you go

  • The published schedule moves year to year. Read the organisers' own schedule of events rather than an aggregator.
  • The park loses its ordinary uses for the week. If you want the courts, come a week either side.
  • The lineage, the two Saturdays, the venues and the parking are all on the Steel Days page.

The American Fork Fitness Center

Indoors, all year · a 500,000 gallon competition pool on Center Street

The reason this city does not go quiet in January is a municipal building at 454 North Center Street. The American Fork Fitness Center runs a 500,000 gallon competition pool alongside the usual recreation centre equipment, and it is open to anyone on a daily admission rather than requiring a membership.

The published pattern is a long weekday one: the facility opens at five in the morning Monday to Thursday and runs to ten at night, closes earlier on Friday, keeps shorter Saturday hours and is closed on Sunday. Public swim sessions begin in the early afternoon rather than at opening, which is the detail most visitors get wrong.

Daily admission has been published at four dollars fifty for an adult, four dollars for ages four to seventeen and free for the smallest swimmers, which is the cheapest indoor water in this part of the county. During the July festival week the centre runs a discounted swim day and a teen pool party, both of which are the busiest sessions of its year.

Why it ranks fifth

Because it works in a snowstorm and costs less than five dollars, and because a competition pool inside a city of this size is not a given. It ranks below the outdoor entries because it is a facility rather than an outing, and because it is the answer to bad weather rather than the reason for a journey.

Read the swim timetable, not the building hours

The centre and the pool keep different clocks, and the pool's public sessions are the ones that get changed for lessons, swim teams and festival events. The city publishes both; only one of them decides whether you can get in the water.

The details

Where 454 North Center Street, on the city's central grid
From Main Street About half a mile north, a few minutes on foot or in the car
Season Year round, and the strongest thing in this city between December and March
Cost Published daily admission of four dollars fifty adult and four dollars for ages four to seventeen, checked August 2026
Time needed An hour to ninety minutes

Getting there

Take Center Street north from the historic core and the centre is on the east side, sharing its block with the library. Parking is on site and the same lot fills for library events.

Before you go

  • Public swim begins in the early afternoon on most days, so a morning arrival is a wasted journey.
  • Closed Sundays, with a shorter Friday and a shorter Saturday, so read the published day rather than assuming the weekday pattern.
  • Confirm rates on 801-763-3080 before you plan around them; they are set by the city and they move.

Fox Hollow Golf Club

City owned · eighteen holes at the north end of 200 East

American Fork owns a golf course, which is rarer than it sounds. Fox Hollow Golf Club sits at the north end of 200 East on the rising ground toward the canyon mouth, with eighteen holes, a clubhouse and a practice area, and Mount Timpanogos filling the view over the back nine.

The ownership history is the interesting part. The course began as a three city venture between American Fork, Pleasant Grove and Lehi and was known as Tri-City for that reason, and it is now wholly owned by American Fork City. Plenty of long standing locals still use the old name, which is worth knowing when you are asking for directions.

Tee times, rates and league schedules belong to the course rather than to this page, and they move with the season and with the day of the week. During the July festival week the course hosts a morning tournament and a night glow round, which is the one week in the year that the course is part of a civic event rather than a quiet corner of the city.

Why it ranks sixth

Because it is a real eighteen hole course in the city limits with a mountain wall behind it, and because a municipal course keeps public access to ground that would otherwise be private. It ranks here because it serves a narrower audience than everything above it.

The name is a search problem

Search the old Tri-City name and you will find archived pages and old scorecards; search Fox Hollow and you will find the course as it is run now. Both refer to the same eighteen holes at the north end of 200 East.

The details

Where Roughly 1400 North 200 East, on the rising ground toward the canyon
From Main Street About a mile and a half north, roughly 5 minutes by car
Season The golf season, weather dependent at either end of it
Cost Green fees set by the course; ring ahead rather than relying on a listing
Time needed Half a day for eighteen holes

Getting there

Head north on 200 East from the middle of the city and keep going as the ground begins to rise. The course sits on the left before the streets give out toward the bench.

Before you go

  • Book rather than turn up, particularly on a summer evening when the light is long.
  • Tournament days close parts of the course, and the July festival week takes it over twice.
  • Confirm current rates with the course; a city owned course still prices like a business.

The historic Main Street core

Free, year round · an 1903 city hall, a tabernacle and a schoolhouse becoming an arts centre

American Fork kept its old centre, which most of the cities around it did not. The blocks around Main Street carry the 1903 city hall in a Romanesque and Classical Revival idiom, the Alpine Stake Tabernacle, Robinson Park and a line of early commercial buildings, and the whole core is walkable in an hour without a plan.

The building worth crossing town for is the Harrington School at 50 North Center Street. It went up in 1903 with a matching addition in 1934, it is a Victorian Romanesque schoolhouse with round arched openings and a rough stone foundation, and it was listed on the National Register of Historic Places on 4 March 1993. It is named for Leonard Harrington, the city's first mayor, who sponsored the territorial bill behind free public schooling.

It is now the home of the Harrington Center for the Arts, a non profit founded in 2017 that runs concerts, a chalk festival, theatre, a sculpture walk and a city arts programme with several hundred volunteers behind it. The building's full renovation is at the planning and rendering stage rather than the construction stage, so treat the finished arts centre as a proposal and the current programme as the real thing.

Why it ranks seventh

Because it is an hour rather than a day, and because what is best about it is a working street rather than a visitor attraction. It earns a place on a list of seven for the same reason it earns a place in the city: almost nothing else in north Utah County still has one.

One correction worth carrying

There is no formally designated historic district here despite how often the phrase is used. Individual buildings carry National Register listings and the core is genuinely historic, but a listing that promises district protections for a specific address is overstating what exists.

The details

Where Main Street and Center Street, with Robinson Park at 100 East Main
From Main Street You are on it
Season Year round, and best on a weekday morning when the street is working
Cost Free to walk; ticketed for arts events
Time needed About an hour on foot

Getting there

Park near Robinson Park at 100 East Main and walk. The city hall, the tabernacle and the schoolhouse on Center Street sit within a few blocks of each other and the whole loop is flat.

Before you go

  • The parade on the closing Saturday of the July week runs through here, which is the one day the core is not walkable in the ordinary sense.
  • Arts events are ticketed separately by the organisation rather than by the city, so check its own calendar.
  • The buildings, the renaming of the street's furniture and the plans on the table are on the moving here page.

The three things you pay for


One canyon, one harbour, one pool, and three completely different tills.

Four of the seven entries above are free. The other three take money at a gate, and each one is collected by a different organisation on a different schedule with a different consequence for turning up unprepared. Here they are side by side in the terms that decide whether an afternoon works.

The canyon passThe harbour gateThe indoor pool
Who takes the moneyThe Uinta-Wasatch-Cache National ForestAmerican Fork City at the harbourAmerican Fork City at the fitness centre
What it costsTen dollars for three days, twenty for seven, sixty for a yearFive dollars a vehicle, ten dollars to launch, free walking inAbout four dollars fifty adult, four dollars for ages four to seventeen
Buy it whereInformation stations on SR-92, self service stations, or Recreation.gov ahead of timeAt the harbour, or an annual pass from the cityAt the door on the day
What it does not coverThe weekend timed entry ticket at one trailhead, which is separateCamping, which the site does not allow at allNothing; the daily admission is the whole price
When it is uselessDriving through without stopping, which is freeArriving outside the posted 8am to 6pm windowArriving in the morning, before public swim opens
Checked14 August 2026, at the Forest Service14 August 2026, at the city14 August 2026, at the city

Every figure here is the issuing body's published number rather than a review site's. Forest fees rose after December 2024, the harbour reset its fee card when it reopened in June 2025, and the city sets pool admission by resolution, so all three of these are newer than most of what a search returns. Confirm before you build an afternoon on any of them.

Before you go


What to settle first, because three of these run on a stranger's clock.

Three things go wrong in American Fork and all three are avoidable in about two minutes: driving up the canyon on a summer Saturday without a plan for a full car park, arriving at the pool before the public session opens, and turning up at the harbour outside its posted hours.

Sort before you drive

  • Whether your canyon day needs a timed entry ticket, because one trailhead requires one at weekends in the second half of summer
  • Which canyon pass length actually fits the trip, since three days and seven days are ten dollars apart
  • The public swim timetable rather than the fitness centre's opening hours, because they are different documents
  • The harbour's posted hours and whether works are in progress, on 801-763-3023
  • The published festival schedule, if you are travelling in the second half of July

Check on the day

  • Fire and camping restrictions in the canyon, which were posted through the 2026 season
  • The state advisory position on Utah Lake before you plan to be in the water
  • Whether the reservoir lot up SR-144 is already full, which on a July Saturday it can be by mid morning
  • Court availability at the big park during tournament weekends
  • Whether the seasonal gate on SR-92 is open, if the plan involves crossing to Provo Canyon

Turn up and it is fine

  • The six pickleball courts and the disc golf on 1000 North, free and lit into the evening
  • The historic core on foot, which needs no ticket and about an hour
  • The singletrack and the river trailhead at the big park
  • Walking or cycling into the harbour, which costs nothing even when parking does

Nearly every guide to this city still prints the old canyon fee, and two of them print the old park name. American Fork Canyon costs ten dollars for three consecutive days, twenty for seven and sixty for twelve months as published by the Uinta-Wasatch-Cache National Forest and checked on 14 August 2026. The six dollar day rate and the forty five dollar annual pass belong to the schedule that ended after December 2024. In the same period the city renamed its largest park to Mary and Art Dye Park by council resolution on 27 May 2025. If a page you are reading carries the old fee or the old park name, assume its hours and its dates are the same vintage.

What this list leaves out, and why

  • Mount Timpanogos, the cave and the Alpine Loop drive. The canyon is American Fork's to explain; the mountain it cuts into is the valley's. The tickets, the summit routes and the drive over the top are on the Timpanogos page.
  • Utah Lake itself. Ranked above is a city harbour at one address, not the water in front of it. The level, the advisories, the carp programme and the restoration argument are answered once on the Utah Lake page.
  • The Murdock Canal Trail. It crosses this city and meets the American Fork River Trail near the big park, and seven cities have exactly the same claim on it, so its route, its buried aqueduct, its crossings and its rules live on the canal trail page.
  • Provo Canyon and the resort at the top of it. It is the other canyon, it belongs to the towns further south, and the falls, the river and the drive to Heber are on the Provo Canyon page.
  • The valley's family venues and the two campuses down the corridor. They are priced and dated against each other on the family weekends page and treated as venues on the campuses page, which is a better job than a city list can do.

Quick answers


The list, answered.

American Fork Canyon, and it is not a close contest. The city's streets stop at the north east corner and a national forest corridor takes over, with reservoirs, campgrounds, climbing, trailheads and rough dirt roads above them. It runs on a recreation fee of ten dollars for three consecutive days, twenty for seven and sixty for twelve months per vehicle, checked in August 2026, with interagency passes honoured and no charge for driving through without stopping. Everything else on this list is a good city asset; this one is a national forest.

Quite a lot of it. The six dedicated pickleball courts, the disc golf course, the playground and the singletrack at Mary and Art Dye Park on 1000 North are free, and so is the American Fork River Trailhead at the same site. Walking or cycling into the boat harbour is free even though parking a car costs five dollars. The Murdock Canal Trail across the bench costs nothing, the historic Main Street core is a free hour on foot, and most of the July festival week is free at the gate.

Three things hold up. The American Fork Fitness Center at 454 North Center Street runs a 500,000 gallon competition pool on daily admission all year. The Murdock Canal Trail across the bench is paved, flat and carries no seasonal gate. And the lower canyon stays open, including the road up SR-144 toward Tibble Fork, even when the winter gate has shut the upper stretch of SR-92 between Pine Hollow and Aspen Grove. What you lose in winter is the top half of the canyon and the harbour.

One day for the city and a second day for the canyon. The city entries sit on a north to south line about five miles long, so the park, the pool, the golf course, Main Street and the harbour can be worked through in a single day with very little driving. The canyon deserves its own day, because the drive up, the reservoir at the top of SR-144 and the rough roads beyond it will fill one. Add a third day only if you are here during the July festival week.

Ten dollars for three consecutive days, twenty dollars for seven consecutive days and sixty dollars for twelve months, charged per vehicle by the Uinta-Wasatch-Cache National Forest and checked in August 2026. An interagency America the Beautiful pass is honoured in place of buying one. There is no fee for non-stop travel through the canyon; the pass is required when you stop at a developed recreation site and it must be displayed in the vehicle. Older sources still showing six dollars a day or forty five dollars a year are out of date.

There is a sand beach there, expanded during the 2025 rebuild and fitted with shade structures, and it is the easiest place in the city to be at the water's edge without owning a boat. Whether the water is fit to swim in during any given week is a lake question rather than a harbour question, and it is decided by the state harmful algal bloom programme and by Utah County Health Department advisories rather than by the city. The Local writes that once at valley level, and checking it before you travel in high summer is the sensible order.

It is inside American Fork Canyon, which is why the city and the cave get bundled together, but it is a National Park Service site rather than a city one and it is written at valley level here rather than on this page. The canyon page covers the logistics of getting into and around the canyon: the recreation pass, the seasonal gate on SR-92, the reservoir car parks and the rough roads. The cave tour, its ticketing and the hike up to it are on the Timpanogos page along with the mountain and the loop drive.

Late September, with the second half of July a close second for a completely different reason. September gives you the canyon without the peak crowds, warm days on the lake and the first colour on the mountain. The July festival week gives you the city at full volume across eight days and about nine venues, which is the only time all of its separate pieces run the same programme at once. Winter is the honest low season here, when the top half of the canyon closes and the pool becomes the main event.

Yes, and the sensible order is canyon first. The reservoir car parks up SR-144 fill on summer weekend mornings and the city's own attractions do not, so an early canyon start followed by an afternoon at the park, the pool or the harbour uses the day in the right order. If you are only passing through, the historic core around Main Street and Center Street is an hour on foot and the pickleball courts on 1000 North are free and usually open.

Scott Buehler, Moving Utah

Seven things, and three different organisations collecting at the gate.

Seven entries strung along about five miles of city, from a federal fee station at the top to a city fee booth at the bottom. A national forest, a city parks department, a private club calendar and a festival committee run most of them between them, which is why no single telephone number answers for the place. If a visit here is turning into a look at addresses, tell me which streets you are circling: a Utah County partner agent takes the ground work and I keep the homework and the financing side.

Referral disclosure. Outside Southern Utah, I connect home sellers and buyers with partner agents I trust in their area. If you choose to work with an agent I refer, that agent's brokerage pays my brokerage (Real Broker, LLC) a referral fee. The fee comes out of the agent's compensation; it is not an added cost to you. You are always free to choose any agent you wish, and using a referred agent is never required.