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Real Estate Agency Disclosure Laws  You are here: About > Home & Garden > Home Buying / Selling Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses   Search Home Buying / Selling Real Estate Agency Disclosure Laws Most states in the US require real estate agents to disclose who they work for, buyer or sellers or both. Some disclosures can be verbal and others must be in writing. Find out what type of disclosure the real estate agents in your state should make. Scroll down for disclosure table. State Disclosure Required? Find Details Alabama Yes: Transaction Brokerage, Single Agency, Limited Consensual Dual Agency A Consumer Information Booklet (pdf) Alaska Yes: Written agency disclosures required. Real Estate Commission Statutes (pdf) Arkansas Yes: Written agency disclosure required. Agency Representation (pdf) California Yes: Written agency disclosure required. Agency Relationship Disclosure Colorado Yes: Written agency disclosure required. Brokerage Relationships (pdf) Georgia Yes: Written agency disclosure required. License Law Rules & Regulations (pdf, page 51) Hawaii Yes: Written or oral agency disclosure required. Real Estate Rules (pdf, page 10) Idaho Yes: Disclosure will focus on the differences between a "customer" and a "client;" dual agency explained. Agency Disclosure Brochure (pdf) Illinois Disclosure requirements unclear in online materials. If you are an Illinois agent, I'd appreciate clarification . Agency Relationships Iowa Yes: Written agency disclosure required. Customer or Client, the Choice is Yours (pdf) Kansas Agents must give you the brochure: "Real estate brokerage relationships." Overview of Brochure Kentucky Yes: Written agency disclosure required. Consumer Information Brochure (A specific agency brochure is mentioned, but I could not find it online; ask your agent) Louisiana Agents should provide you with an information pamphlet. Agency Disclosure Pamphlet (pdf) Maine Agents should provide you with a disclosure form. Agency Disclosure Form (pdf) Maryland Seller Agency disclosure required at first substantial meeting. Disclosure Information Massachusetts Yes. Disclosure is required. Agency Information Michigan I did not find specific information about agency disclosure on the Web site. Michigan State Board Missouri Yes. Disclosure is required. Missouri Broker Disclosure Form (pdf) Nevada Yes. Disclosure should be made "as soon as is practicable." Duties Owed by a Nevada Real Estate Licensee (pdf) New Hampshire Yes. You must be given an Agency Disclosure Form. Agency Disclosure Forms New Mexico I did not find specific information about agency disclosure on the Web site. New York Yes. Disclosure is required. Real Estate Agency Disclosure Form (pdf) North Carolina Yes. Written disclosure is required. Working with Real Estate Agents (pdf) Ohio Yes. Disclosure is required. Agency Disclosure Statement (pdf) South Carolina Yes. Disclosure is required. Consumer Information Brochure (pdf) South Dakota Yes. Disclosure is required. Real Estate Consumer Guide Tennessee I did not find specific information about agency disclosure on the Web site. Utah I did not find specific information about agency disclosure on the Web site. Virginia I did not find specific information about agency disclosure on the Web site. Washington Yes. Disclosure is required. Agency Law (pdf) West Virginia Yes. Disclosure is required. Notice of Agency Relationship (pdf) Wisconsin I did not find specific information about agency disclosure on the Web site. Wyoming I did not find specific information about agency disclosure on the Web site. A few states are missing and will be added as they are found. State Web sites have a habit of frequently changing their links. If you find a link that goes to different information, I'd appreciate it if you would send me an email so that I can update this file. Talk About Real Estate From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Important disclaimer information about this About site. Advertisement Related Blogs Mortgage Fraud Blog The Real Estate Blog The Money Pit Most Popular Modular and Manufactured Homes Finding Your Best Place to ... Home Buying Don'ts First Time Home Buyer Tips Before You Sell Your Home What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Related Topics Home Repair Architecture Credit / Debt Management Housekeeping Landscaping        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About Oprah's Life Vacation Ideas Shop Safely Online VIDEO: Craft Rooms VIDEO: Christmas Traditions What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Headlines Getting Ready to Sell Your House Guests and lots of activities make it difficult to show... Before You Buy Gas Logs Gas logs are growing in popularity every year, so manufacturers... Pros and Cons of Becoming a Real Estate Agent You've decided you want to become a real estate agent,... Step-by-Step Directions Help You Measure Square Footage Each year, home owners discover that their new home's square...

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Land Loan for Downpayment on Home - HMDA? - Dan Persfull Banker Store BOL Vendor Connect BOL Career Connect BOL Learning Connect Bankers Information Network Home Compliance Lending Operations Security Marketing Technology/eBanking Top Stories Bankers' Threads Alphabet Soup -- Background Check CrimeDex Em@il Education ID Verification Record Retention MAIN CONTENT Compliance Agency Road Maps Alphabet Soup Compliance Tools FACTA/FCRA OFAC Lending Article 9 FACTA/FCRA HMDA Heaven Lending Tools SCRA Marketing Operations Check 21 Disaster Updates Disaster Recovery HR Corner IRA Season Money Matters Operations Tools Security AML/BSA Bank Robbery Counterfeits ID Fraud/Phishing Security Tools Technology/eBanking Disaster Updates Disaster Recovery Info Security SPECIAL AREAS BOL Archives BOL Blogs Briefing Archive Calendar Court Watch Disaster Issuances Em@il Education Examiner's Corner Executive Briefing Infovault Launch Pad Lessons Learned Monthly Roundup Risk Management Site Map Site Orientation Top Stories ~ ~ ~ SERVICES Background Check BOL Conferencing CrimeDex Em@il Education ID Verification Record Retention ~ ~ ~ SHOP Banker Store Bankers Info Ntwk Books Vendor Connect CONNECT Career Connect Learning Connect Vendor Connect Guru Central INTERACT Ask a Guru Bankers Threads Contact Us Give Us Feedback TOOLS 60 Second Solutions Alphabet Soup Banker Tools BOL Forms FUN Banker Humor Banker Memories BOL Recipes eCard Exchange LEARN MORE About Advertising About Our Sponsors About Us Print Friendly Version! Email This Article! Discuss NOW! Land Loan for Downpayment on Home - HMDA? by Dan Persfull, BOL Guru Guru Bios Question: HMDA Reportable question. Loan secured by land. Purpose is to provide a down payment for the purchase of a home. Do we report? Answer: No. The loan is not secured by a dwelling therefore it does not meet the definition of a home purchase loan. First published on BankersOnline.com 11/21/2005 Privacy Policy Disclaimer Recommend This Site ! Contact Us BankersOnline is a free service made possible by the generous support of our advertisers and sponsors. Advertisers and sponsors are not responsible for site content. Please help us keep BankersOnline FREE to all banking professionals. Support our advertisers and sponsors by clicking through to learn more about their products and services.

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MSN Money - Home Equity Loans - Compare Home Equity Rates MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Banking Home My Accounts Bill Pay Mortgages/Loans Services Credit Reports Apply Online Mortgage Loans Home Equity Loans Auto Loans Personal Loans Refinance Related Links Credit Report Tools Deposit Rates Credit Cards Insurance Home Equity Loan Center Top Story The world's worst mortgage Put no money down, pay only interest, or skip payments entirely. Mix too many of these features and you dig a hole you can't ever hope to escape. advertisement Find a home equity loan that's right for you Apply for a loan directly with our sponsors Search for rates by loan type Loan type: Loan type: Loan, 15yr, $50K Line of credit, 15yr, $50K State: State: Select a state Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming City: City: Select nearest city Let LendingTree help you find the right home equity loan Complete one simple form and get up to four real loan offers with competitive rates. Monthly Payment Calculator National averages provided by Informa Research Services, Inc. Microsoft is not a depository or financial institution, and is neither affiliated with any financial service providers identified herein nor responsible for the services or products advertised thereby. Click here for additional information. © 2005 Microsoft MSN Privacy Legal Advertise Feedback Help

Real Estate Agents Career

Real Estate Careers - Advice For Real Estate Agents  You are here: About > Home & Garden > Home Buying / Selling > Real Estate Careers Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses   Search Home Buying / Selling > Real Estate Careers Real Estate Careers - Advice for Real Estate Agents Career advice for real estate agents or anyone who wants information about a career in real estate. Helpful resources for all real estate professionals, from new real estate agents to brokers in charge. Subtopics Commission Advance (1) NAR Web Sites (35) eCards (4) Presentation Skills (8) Errors/Omissions (3) Real Estate Humor (5) Ethics (2) Real Estate License Law (29) Fair Housing (7) Real Estate News (5) Finding Clients (8) Schools (12) For Brokers in Charge (19) Software (19) Marketing Your Listings (36) Articles & Resources Sort By : Guide Picks | Alphabetical | Recent Safety Tips for Real Estate Agents - Real Estate Agent Careers Real estate agents have historically felt safe while performing their jobs, but the trend has shifted in recent years, with a number of agents raped, robbed and murdered while showing homes and other properties. If your office has developed agent safety policies, follow them. If it hasn't, there are several things you can do to help minimize your risks. Real Estate Careers - Special Designation Programs for Real Estate Agents Real estate agent pre-licensing classes teach you about real estate laws and customs in your state, but they don't teach you how to manage and promote your business or work effectively with consumers. For that you'll need ongoing education. Some agents choose to accomplish that by participating in one or more special designation programs. What is a Realtor? Career Advice for Real Estate Agents - Information for Consumers Some people call all real estate agents "Realtors" without realizing that not every agent can legally use the title. When join become Realtors they must agree to conduct their business in a way that adheres to the rules of the National Association of Realtors, NAR, including its Code of Ethics. Here are some Realtor basics. How to Measure and Calculate Residential Square Footage Each year, home owners discover that their new home's square footage is not the figure stated when the home was advertised. Real estate agents and for sale by owner sellers can reduce their risks of lawsuit by knowing how use accepted standards to measure and calculate a home's square footage. So You Want to Become a Real Estate Agent You've decided you want to become a real estate agent, but what's your motivation? It can be a rewarding career choice, but it's definitely not a job for everyone. Here's some advice to help you determine if a career in real estate is right for you. Interviewing for a Real Estate Agent Job Looking for a real estate career? Interviewing for a real estate agent position requires different techniques than those you use when applying for most jobs. Get the facts before your interview. How To Calculate Real Estate Commissions New real estate agents sometimes aren't aware that commissions are usually shared by all agencies who participate in a sale. Here are some examples that show how commissions are split. How To Find a Job in Real Estate This simple how-to article gives you a step by step look at the process you must follow to find a job as a real estate agent. Preparing Your Sellers for Home Showings Advice for real estate agents. Take time to prepare your sellers for the realities of showing a home. When home sellers understand that a good showing might result in a good offer, they are usually willing to comply with your requests. Errors and Omissions Insurance for Real Estate Agents Get the facts about errors and omissions insurance for real estate agents. E&O is your protection from lawsuits filed by unhappy clients and customers. Deed Plotter for Windows, Review Deed Plotter for Windows is a deed description analyzer, a software program that allows you to type-in the legal description of a piece of property. The software analyzes the information, and draws the tract. Find out how this software can help you with real estate transactions. Get Your Home Sales to the Closing Table Getting a real estate sales contract doesn't signal the end of your work with that client, it's just the beginning. There's a lot more work to do before the buyer and seller meet for closing. This advice will help you get there. Sales Techniques for Real Estate Pros Successful real estate agents know that asking the right questions is an important part of working with home buyers. Use these tips to refine your sales skills.        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About Oprah's Life Vacation Ideas Shop Safely Online VIDEO: Craft Rooms VIDEO: Christmas Traditions What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Headlines Getting Ready to Sell Your House Guests and lots of activities make it difficult to show... Before You Buy Gas Logs Gas logs are growing in popularity every year, so manufacturers... Pros and Cons of Becoming a Real Estate Agent You've decided you want to become a real estate agent,... Step-by-Step Directions Help You Measure Square Footage Each year, home owners discover that their new home's square...