When you are buying or selling a home there are a number of individuals you will come in contact with.  Here are some of them:

1. REALTOR® – A REALTOR® is a licensed real estate agent and a member of the National Association of REALTORS®.  They also belong to their state and local Associations of REALTORS®.
2. Listing Agent – A listing agent or broker forms a legal relationship with the homeowner to sell the property.  The listing agent’s responsibility and fiduciary duties are to the seller.
3. Buyer’s Agent – A buyer’s agent or broker works with the buyer to locate a suitable property and negotiate a successful home purchase.  The buyer’s agent’s responsibility and fiduciary duties are to the buyer.
4. Home Inspector – A home inspector can be hired by the seller before they put their home on the market or by the buyer when an offer has been accepted.  The inspector provides a comprehensive analysis of a home’s major systems and components.
5. Loan Officer – A loan officer is a representative of a bank or financial institution.  They help customers identify their borrowing options and help them understand the terms of the loan.  A seller should also meet with a lender before putting their home on the market so they know the “big picture” of their financial situation.
6. Appraiser – An appraiser works on behalf of the lender and provides a market analysis of the subject property. An appraiser’s finding is subjective and combined with market data of sold properties within the surrounding neighborhood.
7. Insurance Agent – An insurance agent helps a home buyer determine the coverage needed and finds the right insurance policy for the home.
8. Real Estate Attorney – In some states, real estate closings can only be conducted by an attorney.  They can give advice on all legal aspects of a real estate transaction. Such as drafting and reviewing contracts, help with how to take title and assist with the closing process.
9. Escrow/Closing Officer – An escrow or closing officer is a non-biased third party who works with all participants to facilitate a successful closing of a real estate transaction. At the closing, the closing officer will collect the purchase money funds from the buyer and settlement costs from each party.  The will prepare and record all necessary documents to transfer ownership of the property.
10. Title Company – The title company will search the title and provide title insurance policies to produce clear property titles and enable the efficient transfer of real estate.

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