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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! 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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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San Diego real estate, MLS real estate listings, San Diego County real estate San Diego real estate San Diego county real estate - San Diego homes San Diego real estate Search the San Diego MLS San Diego real estate source San Diego real estate . . .Buying, selling, relocating . .to INSURE the BEST POSSIBLE DEAL Use the expertise of Bob Schwartz, Certified Residential Specialist Cell/Pager: 619-300-8819 Home office: 619-286-5604 *This site is continually (usually twice weekly) updated. Just Listed! San Carlos - Cosmetic Fixer! SAVE TENS OF THOUSANDS 4Br./2.5Ba.+Fam. Rm 1,800+Sq.Ft. . Click Here for more info on this San Carlos home Westerly Sunset Views Value Ranged just $499,000 to $529,000 San Diego local real estate facts . Sellers - Expose your property to over 96 Times more traffic than most real estate sites! 17,341 Unique visitors in March '05 San Diego county real estate - San Diego homes San Diego real estate Search the San Diego MLS San Diego real estate news that affects you ! San Diego Neighborhood real estate activity Certified Residential Specialist --- The'inside' secret to your BEST real estate deal! San Diego Home appreciation San Diego CA real estate value growth San Diego California Population Growth San Diego Communities Real estate San Diego - Hi-Tech marketing California Real Estate Prices San Diego (92120) Average Residential Detached sales price Nov. 2005 -- $ 632,434 (Source:S.D.A.R.) Calif. median home price - Oct. 05: $538,770 (Source: C.A.R.) Calif. highest median home price by C.A.R. region Oct. 05: Santa Barbara So. Coast $1,225,000 (Source: C.A.R.) Calif. lowest median home price by C.A.R. region Oct. 05: High Desert $315,870 (Source: C.A.R.) Come surf the San Diego California real estate market with the assistance of Bob Schwartz , a C ertified R esidential S pecialist with 27 years experience Bob & his long board. In surfing, selecting the right board is very important. When buying or selling real estate, selecting the right real estate professional is even more important! Many times, your real estate transaction is going to be the largest monetary decision you'll ever make! This is not something you want to trust to just anyone! Bob Schwartz, Certified Residential Specialist Just 5% of all Realtors have earned this coveted nation designation! San Diego real estate table of content s Sellers -Expose your property to over 96 Times more traffic than most real estate sites! www.brokerforyou.com Summary by Month Month Monthly Totals Visits Pages Files Hits Mar 2005 17341 41148 238856 309153 Feb 2005 14726 34034 221890 281081 Jan 2005 15353 35013 239054 295682 San Diego rentals For San Diego rental information on these rental and others, visit the free San Diego rental & sale photo site at: San Diego for sale by owner Find YOUR San Diego Dream Home Get FREE local real estate news ! Preferred Real Estate Property Locator San Diego CA e-mail Newsletter San Diego California Real Estate News Real Estate Glossary Get the FACTS before you hire a real estate representative Bob's Background Real Estate 100% Guarantee Client Testimonial s Bob's real estate Awards San Diego real estate services Hi-Tec Radio Broadcasting San Diego MLS website Real Estate Awards brokerforyou.com Site Awards San Diego websites Interesting websites Fun in San Diego San Diego Monthly Events San Diego Padres San Diego Chargers San Diego Sports San Diego Golf Courses San Diego Hotels San Diego Zoo Sea World San Diego San Diego vacation attractions tours Real Estate Facts Home Buyer's Facts Home Seller's Facts San Diego Facts San Diego real estate website traffic San Diego housing value tends California's new sales witholding tax San Diego real estate sales history San Diego County real estate sales history San Diego median price history East County median price history San Diego County real estate news Real estate & Hollywood stars Money Saving Facts San Diego home - finding your own place Condo sellers SAVE over $100 when selling! Tax Breaks Home Energy Saving Tips Epson inkjet cartridges Imprinted products Domain name registration Web hosting Internet software California gold nuggets Web site awards Weather + San Diego Weather San Diego's electric rates & possible ways to lower your cost! San Diego Employment + Legal resources California real estate laws for 2005 San Diego Employers/Business Overview San Diego lawyers - San Diego attorneys Los Angeles Orange County lawyers - attorneys San Francisco Oakland lawyers - attorneys Sacramento CA lawyers - attorneys directory S an Jose CA lawyers - attorneys directory Fresno CA lawyers - attorneys directory Riverside attorneys -San Bernardino attorneys California attorneys - California lawyers legal advice library - legal articles - legal websites Las Vegas Nevda lawyers - Vegas attorneys Houston Texas lawyers Houston attorneys Dallas Texas lawyers Dallas attorneys Austin Texas lawyers Austin attorneys San Antonio Texas lawyers San Antonio attorneys Epson ink cartridge replacements San Diego costal homes - La Jolla Del Mar Encinitas Downtown San Diego real estate for sale Health Health-Care Senior Services San Diego dentist - Tijuana dentist San Diego plastic surgery San Diego cosmetic surgery Hoodia Gordoni info Education San Diego school rankings San Diego State University University of San Diego USD Brokerforyou.com Site Search San Diego lawyers attorneys directory San Diego real estate articles Ready to Move! Moving Tips Buying Process Who pays what? Mortgage Disclosure Eats - Hotels San Diego Restaurants San Diego Hotels San Diego vacation attractions Free Stuff! FREE for my web site visitors: How much is you home worth? Free home market value report R eal estate software. Useful software program for Windows compatible computers San Diego real estate selected to meet your individual needs & full details e-mailed to you Nation-wide Certified Residential Specialist Referrals 'Insiders' money-saving report for home sellers San Diego Monthly e-mail real estate newsletter Vacation/Travel/Air Fare Money-Saving Discounts San Diego for sale by owner - List your home w/picture on the Internet San Diego costal real estate site. Featuring La Jolla real estate Del Mar real estate Encinitas real estate The expertise of Bob Schwartz, real estate broker , Certified Residential Specialist = Your BEST POSSIBLE Deal Buying or Selling San Diego real estate Contact Information Bob Schwartz Telephone: Toll-Fre e : Only for sale/purchase real estate inquires: 1-866-895-3715 Cell/Pager: 619-300-8819 Home office: 619-286-5604 fax: 619-229-0048 Postal address: Brokerforyou c/o Bob Schwartz 7966 Laurelridge Road, San Diego CA 92120 Electronic mail: ***Privacy Policy*** We will NEVER release, sell or give any of your information to any other party or organization. You will only receive requested information or updates and only from us. SAN DIEGO REAL ESTATE INTERNET WARNING: The Internet is a great source for information, but can never be a substitute for 27 years of actual real estate experience! California real estate sales, with their myriad of disclosure laws, makes for one of the most complicated sales transactions. From Natural Hazard Disclosures to City water retrofit transfer of responsibility forms, anyone entering into a real estate transaction here, without proper advice, guidance, and professional opinion is gambling with one of their biggest monetary investments. I care about my clients and strive to help them reach their goals in a conservative, professional manner. There is no substitute for the real estate experience I can bring to any negotiation. To insure an accurate understanding of any Internet real estate data, please contact : BOB SCHWARTZ, real estate broker, Certified Residential Specialist. brokerforyou.com/Bob Schwartz does not warrant the accuracy, completeness, timeliness, merchantability or fitness for a particular purpose of the information contained in brokerforyou.com. brokerforyou.com does not in any way endorse the individuals described in brokerforyou.com, nor does brokerforyou.com verify qualifications, licenses, practice areas or suitability of the listed service providers or web links. In no event shall brokerforyou.com be liable to you or anyone else for any decision made or action taken by you in reliance on such information. Any damages or expenses of any kind, for any reason, shall be limited to the amount paid to access brokerforyou.com. The above warranties are the only warranties of any kind, either expressed or implied, including warranties of merchantability or fitness for any particular purpose. Del Cerro, Santee, La Mesa, San Carlos Epson inkjet cartridges View our partner real estate websites Best Real Estate website Award Click here to apply for this FREE real estate website award. San Diego Excellent Website Award ... is presented to those San Diego websites whose web content provides useful, instructive information, shows superior design and has achieved levels of excellence deserving of recognition Click here to apply for this FREE San Diego California website award. Web Genie Website Award is presented by search engine placement - Promotions Unlimited San Diego real estate source = brokerforyou.com San Diego real estate broker, Bob Schwartz is a Certified Residential Specialist and is active in San Diego residential sales throughout San Diego County. Just a few of the San Diego communities Bob is active in are: San Carlos - La Mesa - Fashion Valley - Mission Valley - Point Loma - Pacific Beach - Clairemont - North Park - Hillcrest - Mission Hills - Kensington - San Diego State College -Santee - El Cajon - Lakeside - Allied Gardens - Del Cerro
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Real estate investors cast watchful eye on Las Vegas' high stakes housing game SFGate Home Business Sports Entertainment Travel Jobs Real Estate Autos SFGate News Web by Real estate investors cast watchful eye on Las Vegas' high stakes housing game Kelly Zito, Chronicle Staff Writer Monday, March 7, 2005 now part of stylesheet -- More... Printable Version Email This Article Las Vegas' lucky number last year was 52 -- as in 52 percent. That's how much real estate prices jumped in the nation's fastest-growing city in one year, as a housing shortage set off a wave of speculation by investors from California and other states. But as any gambler knows, Lady Luck eventually turns a cold shoulder. Las Vegans wanted to cash in, too, and so many put their houses up for sale that they flooded the market. By the end of the year, some homebuilders were slashing prices. For investors from states like California where prices seem to move in only one direction -- up -- it was a stark example of a deflating bubble. "When you lose money in real estate, you really feel it,'' said Igor Doncov, a software engineer in Half Moon Bay who bought two new houses in Las Vegas early in 2004 but sold them at a loss after his builder, Pulte Homes, cut prices on its new models by $180,000. "I thought I couldn't lose," he said in a telephone interview. "But it turned into a total disaster." Housing analysts don't think Las Vegas' slowdown is a sign that prices will soften soon in other fast-appreciating regions. But they say it is a warning of what could happen in the Bay Area as interest rates go up -- particularly for people trying to "flip" houses for a quick profit. "Everyone is watching Las Vegas with its price appreciation and flipping," said John Karevoll, an analyst at DataQuick, the La Jolla real estate research firm. "If something weird happens, it'll happen there first." For years, Las Vegas real estate was cheap. Myrna Kingham, president of the Greater Las Vegas Association of Realtors, remembers not-so-distant days of driving around in a pickup wearing high heels and showing clients dusty 5-acre parcels listed for $20,000. But as the population of Las Vegas and surrounding Clark County grew 81 percent in the 1990s, adding 621,160 people, housing prices caught up, matching the national median of $145,000 in 2001. Then last year, the market caught fire, boosted by healthy job gains, a growing stream of retirees, Californians drawn to lower home prices and an influx of investor money. Builders, faced with a shortage of workers, had trouble keeping up. Add rock-bottom interest rates, and the scene resembled the go-go days of the Bay Area's tech boom. Hundreds of would-be buyers descended on open houses, and home prices seemed to increase as quickly as the progressive jackpots in the slot machines on the Strip. Record appreciation In the spring of 2004, the median price for a single-family house was $269,000, 52 percent higher than the year before -- a national record for appreciation, according to the National Association of Realtors. "The market was hotter than blazes," Kingham said. "People were looking for affordability -- they wanted a nice home in an area with nice weather that they could buy for $200,000." Californians, who pay some of the highest home prices in the nation, took notice. Golden State residents have snapped up nearly 27,000 Las Vegas properties since 2000, according to DataQuick. In 2004 alone, California residents bought 11,600 homes -- 12 percent of the transactions in Clark County for the year. Bay Area residents bought nearly 7,800 Las Vegas properties over the past five years. In the second quarter of 2004 alone, the number who bought Las Vegas property doubled from the same quarter the year before, to more than 800,surpassing investment in Sacramento, the Tahoe region and Palm Springs for the seventh straight quarter. But in less time than it takes to build a single house, the market changed. Egged on by the stratospheric prices their neighbors were asking -- and getting -- homeowners in Las Vegas flooded the market with "for sale" signs. The number of existing houses posted for sale on the Multiple Listing Service ballooned from about 1,400 in February to more than 16,000 by October. Among them were never-lived-in homes offered by investors who had bought them only months before from national homebuilders -- who were selling their own brand-new houses literally across the street. In early fall one of those builders, Pulte Homes, took the extraordinary step of slashing prices by $25,000 to $180,000 on more than 20 of its Las Vegas-area developments. The move sent shock waves through the Las Vegas building industry and angered investors like Igor Doncov. Doncov, a 57-year-old engineer who was a victim of the technology flame-out, was one of thousands of investors who hoped to turn a quick profit by buying and selling Las Vegas property within a few months. Early last year he bought two new houses from Pulte Homes for $515,000 each. By the end of the summer, he said, the houses were worth well over $600,000, based on Pulte's prices for the same models. Then Pulte cut the price by about $180,000. Doncov sold the two properties in December and January for $480,000 and $490,000; after closing costs and sales fees, he estimates he lost $100,000. He is working with a lawyer to try to recoup the losses from Pulte, on the grounds Pulte misled investors by systematically raising new home prices, then abruptly lowering them. Many people in Las Vegas shrug at tales like Doncov's, saying any plan to get rich quick is fraught with risk. "There are people who come here and lose all kinds of money on the card table," said Keith Schwer, an economist at the University of Nevada at Las Vegas. By December, it was clear the peak of the frenzy had passed. Residential building permits that month were 34 percent below the previous December's, as measured by the Center for Business and Economic Research, which Schwer directs. And 15 percent fewer people were moving to Las Vegas -- some undoubtedly spooked by the region's steep jump in home prices. Pulte officials would not comment on the price reductions. In the wake of Pulte's move, other builders also cut prices but made no formal announcements. KB Home, the region's largest home builder, didn't cut prices but did tighten its policies on sales to investors. Contracts now stipulate, that, barring the loss of a job or other major problem, those who resell their properties within a year have to give KB Home the profit. Despite the builders' moves, Schwer and other experts say the Las Vegas market remains healthy. In recent months, they say, the number of homes for sale has declined and homes are selling faster. In January, however, there were still 13,800 homes for sale. Though the median price for a new home climbed 6 percent to $307,500, the median for an existing home -- $251,000 - was up only one half of one percent from a year before, according to Schwer. Over the long term, the area's job growth -- including a new 8,000-employee casino opening in April -- warm climate, entertainment options and well-equipped airport will continue to draw buyers, Schwer said. On a Friday morning in February, Bill Jeffers, who owns Valley Furniture in Livermore, toured a $731,000 home in a subdivision called Inverness. By buying a home in Las Vegas, Jeffers, who has lived on Maui for several years, will shorten his twice-monthly commute to the store and put his grandchildren into strong school systems. "I tried to get in last year, but there were just too many other buyers," said Jeffers, a Livermore native. Some making profits And some investors who bought wisely are making profits. Stephanie Wedge, a San Jose real estate agent who also brokers property in Las Vegas, bought a house for $625,000 last May. She put the 5-year-old home on the market on Feb. 23 for $775,000, and she expected to get an offer the following week. "That's a really good turnaround," said Wedge, who also has reserved a condo in a yet-to-be built high-rise. "I think it depends on where the property is -- and this is in a gated, country club community." The continued pace of construction serves as an outward sign of the region's confidence. On a stretch of freeway south of the Strip, a sign reads "KB Home, Next 5 Exits." Adding more houses to a market already flush with them would seem to only exacerbate any stagnation in the market. But Dennis Smith, president of Las Vegas' Homebuilders Research Inc. pointed out the vast majority of new homes are presold. The market "is still in correction mode because of the high inventory in the resale segment,'' he said. "It will probably take at least six months for that to end." So, will what happened in Vegas, stay in Vegas? Schwer doubts Las Vegas' deceleration will bleed into the Golden State -- or any other state -- in part because Las Vegas growth rates were so far above the norm. Others say the arc of Las Vegas' recent experience may contain a hint of the Bay Area's future. While the nine-county region saw much lower price appreciation last year than Las Vegas -- an increase of about 17 percent -- Ed Leamer, a UCLA economist, contends that both regions are enveloped in a speculative frenzy. In Las Vegas, an oversupply of homes relative to demand may spell price declines. Back in the Bay Area, Leamer thinks rising interest rates will take some of the air out of the market as fewer people qualify to buy expensive properties -- though any correction would be far less dramatic than Las Vegas'. "Because the market has cracked in Las Vegas doesn't mean it's imminent in other areas," Leamer said. "But it gives you a sense of what may happen in these areas in the face of rising interest rates." E-mail Kelly Zito at kzito@sfchronicle.com . Page A - 1 Get up to 50% off home delivery of the Chronicle for 12 weeks! MARKETING Compelling writer? Action 36 Cable 6 (KICU-TV) MECHANIC SF tugboat co POKER Expert poker player needed REAL ESTATE Sales *FREE TRAINING! Prudential CA Realty SALES Can you sell the President? IPA SALES Benefit package AGI Publishing SALES $125K PLUS In-Home Kitchen Kitchenworks, Inc. 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