| Alex Baglioni & Team RE/MAX Partners Toll Free: 866-YOU-SOLD Ph: 954-229-0610 Fax: 800-743-1023 Offices in Fort Lauderdale, Las Olas, LightHouse Point, Plantation Pembroke Pines and Coral Springs. |
Who's Who in a Real Estate
Transaction
If you’re buying or selling a home, you’ve probably
already realized that it takes a lot of people to
consummate a successful transaction, and it can
be confusing to keep track of all these people and
their responsibilities. This rundown of the cast of
characters may help:
Real estate brokers represent home buyers
and sellers in the real estate transaction. Buyers
and sellers typically are represented by two
different brokers; however, in some cases, one
broker may represent both the buyer and the
seller in what’s called a "transaction broker."
Brokers are sometimes referred to as "listing" or
"cooperating" brokers. Listing brokers are real
estate brokers who are hired to sell, or list, the
home. Cooperating brokers are the real estate
brokers who represent the home buyer in a real
estate transaction.
Real estate salespeople act as agents of real
estate brokers. Salespeople (otherwise referred
to as agents) help buyers locate homes they want
to purchase, help sellers locate buyers for homes
they want to sell, and help buyers and sellers
negotiate the terms of their deals. Salespeople
also complete many of the other tasks that are
necessary to close the transaction. (Similar to
brokers, agents are referred to as "listing" or
"buying" agents. The listing agent is the the
agent who represents the seller and the buying
agent is the agent that represents the buyer.)
REALTORS® are real estate brokers and
salespeople who are members of the National
Association of Realtors, a trade organization.
Most, but not all, brokers and salespeople are
REALTORS®.
Some real estate salespeople hire assistants,
who create marketing brochures and flyers, place
advertising, schedule home tours and perform
other tasks. Assistants who specialize in
organizing transaction-related documents are
called transaction coordinators.
Mortgage brokers help borrowers select loan
products, submit borrowers’ loan applications to
lenders and complete much of the paperwork
necessary for borrowers to obtain financing for
their home. Mortgage brokers typically are paid by
lenders.
Lenders evaluate and approve loan applications
and then lend money to those qualified borrowers
so they can buy and own real estate. Community
banks, commercial banks, mortgage banking
companies and credit unions are among the types
of lenders that offer real estate loans.
Appraisers prepare reports on the value of real
property for the benefit of lenders and buyers.
Appraisers must be state-licensed.
Home inspectors prepare reports about the
condition of the accessible areas and major
components of real property for the benefit of
buyers. (Real property is defined as land and all
the things that are attached to it – including your
house.) Home inspectors must be licensed in
some states.
Other inspectors may prepare additional reports
about the structural soundness of the home, the
presence of wood-destroying pests (i.e., termites),
environment hazards and so on.
Closing attorneys and escrow officers make
sure all of the documents and funds associated
with real estate transactions are properly
organized, handled and processed.
Title companies research the chain of ownership
of real property and any known liens or
encumbrances and then issue title insurance,
which protects lenders and owners from
undiscovered claims of ownership of the property.
Title officers represent title companies and also
perform the functions of closing attorneys in some
states.
Transaction
If you’re buying or selling a home, you’ve probably
already realized that it takes a lot of people to
consummate a successful transaction, and it can
be confusing to keep track of all these people and
their responsibilities. This rundown of the cast of
characters may help:
Real estate brokers represent home buyers
and sellers in the real estate transaction. Buyers
and sellers typically are represented by two
different brokers; however, in some cases, one
broker may represent both the buyer and the
seller in what’s called a "transaction broker."
Brokers are sometimes referred to as "listing" or
"cooperating" brokers. Listing brokers are real
estate brokers who are hired to sell, or list, the
home. Cooperating brokers are the real estate
brokers who represent the home buyer in a real
estate transaction.
Real estate salespeople act as agents of real
estate brokers. Salespeople (otherwise referred
to as agents) help buyers locate homes they want
to purchase, help sellers locate buyers for homes
they want to sell, and help buyers and sellers
negotiate the terms of their deals. Salespeople
also complete many of the other tasks that are
necessary to close the transaction. (Similar to
brokers, agents are referred to as "listing" or
"buying" agents. The listing agent is the the
agent who represents the seller and the buying
agent is the agent that represents the buyer.)
REALTORS® are real estate brokers and
salespeople who are members of the National
Association of Realtors, a trade organization.
Most, but not all, brokers and salespeople are
REALTORS®.
Some real estate salespeople hire assistants,
who create marketing brochures and flyers, place
advertising, schedule home tours and perform
other tasks. Assistants who specialize in
organizing transaction-related documents are
called transaction coordinators.
Mortgage brokers help borrowers select loan
products, submit borrowers’ loan applications to
lenders and complete much of the paperwork
necessary for borrowers to obtain financing for
their home. Mortgage brokers typically are paid by
lenders.
Lenders evaluate and approve loan applications
and then lend money to those qualified borrowers
so they can buy and own real estate. Community
banks, commercial banks, mortgage banking
companies and credit unions are among the types
of lenders that offer real estate loans.
Appraisers prepare reports on the value of real
property for the benefit of lenders and buyers.
Appraisers must be state-licensed.
Home inspectors prepare reports about the
condition of the accessible areas and major
components of real property for the benefit of
buyers. (Real property is defined as land and all
the things that are attached to it – including your
house.) Home inspectors must be licensed in
some states.
Other inspectors may prepare additional reports
about the structural soundness of the home, the
presence of wood-destroying pests (i.e., termites),
environment hazards and so on.
Closing attorneys and escrow officers make
sure all of the documents and funds associated
with real estate transactions are properly
organized, handled and processed.
Title companies research the chain of ownership
of real property and any known liens or
encumbrances and then issue title insurance,
which protects lenders and owners from
undiscovered claims of ownership of the property.
Title officers represent title companies and also
perform the functions of closing attorneys in some
states.
Alex Baglioni, remax partners, agent, realtor , real estate agent, Mortgage calculator in Broward County, Mortgage
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