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A LITTLE ABOUT ME

I have been a career Real Estate Agent since 2013 serving residential and commercial clients.  The majority of my business comes from repeat clients and referrals.  My goal is to make this a great transition for everyone involved and provide an exceptional experienceI want you to feel comfortable and empowered throughout your entire real estate journey.  My objective is to customize a plan specific to your situation and needs and to help you make the best real estate decisions possible. I’m your resource and am here to help navigate this journey, so please feel free to ask me questions at any time.  I will always have your best interest at heart and with your permission, I will be completely honest when offering my professional expertise.  Our discussions will remain confidential to allow you to be open and honest with me; the more I know and understand, the better I can help you make well-informed decisions regarding the purchase of your home. My focus is on building long-lasting relationships and remaining a resource for my clients to turn to long after the purchase is complete. This includes anything from suggesting home improvement contractors to recommending exceptional restaurants in the area.

I am actively involved in my community and serve on several committees for the Greater Hartford Association of REALTORS® and the CT REALTORS® Association. I am also proud to be a Miracle Agent within RE/MAX. Since 1992, RE/MAX has partnered with Children’s Miracle Network Hospitals. The RE/MAX Miracle Home Program is the cornerstone of that partnership. Agents involved in the program make a donation to their local CMN Hospital in honor of the buyer. Agents like myself, who donate a certain amount in a calendar year receive the recognition of being a Miracle Agent. The best part of this partnership is that 100% of this donation goes directly to the Connecticut Children’s Medical Center in Hartford. I can’t think of a better way to thank you for your business!

I look forward to the opportunity to serve you!

Step 1: Meet with me for a Buyer Consultation to review the home-buying process

  • Discuss specific needs and goals, then formulate a plan together
  • Set a target date by which you would like to move into your new home
  • Sign an Exclusive Right to Represent; this allows me to professionally represent you
  • My role as your realtor, your role as the buyer

MEET WITH ME

When you first give me a call, I’ll invite you to our RE/MAX office where we can meet at a time that’s mutually convenient. This is a complimentary service I provide so I can get to know you and discuss your thoughts on buying a new home. Whether you are a first-time buyer or you’re experienced, I will treat our meeting with the utmost importance. I’ll go over the process with you, explain all the jargon, and get your thoughts on what you’re looking for. We’ll talk specifics such as type of home, number of bedrooms and bathrooms, and how much land you’d like. I’ll use a CT map to highlight all the towns you’d like to look for a home in, discuss with you how we search for homes, and what happens once we find ones you’d like to look at. We set a target date of when you’d like to move into a new home, and if we are a good fit to work together, I will have you sign an “Exclusive Right to Represent” agreement. From there we begin our search.

BUYER’S AGENCY AGREEMENT
Exclusive Right to Represent

Enlisting my services is similar to hiring any other professional to help you in their specific area of expertise, such as an accountant to help you with your taxes, a doctor to help you with your health care, or a mechanic to help you with your car. I have devoted many years to researching, learning about, and working in the real estate industry. My vast knowledge and experience are what will help me quickly find the perfect home for you. Although I assist you in becoming an educated buyer, it is my job to take care of the hassles so you don’t have to. I guide you through the home buying process and exclusively represent your interests as I help you find a home, present your purchase offer, put contract terms and conditions together and negotiate for you. I get you to the closing table as smoothly and quickly as possible so you can get your keys and start enjoying your new home. My main goal is to make this a smooth, informative and exciting process.

With me, you have a professional working hard to find and secure the ideal home for you. You won’t need to spend endless amounts of time driving around looking for homes for sale or trying to search online yourself. When you tour homes with me, you already know that the homes meet your criteria and are within your price range.

Just as your accountant, doctor and mechanic get to know your needs through a steady relationship, I will get to know your real estate needs and concerns. This type of relationship is built by open communication at all times, and touring homes together. This way I can get your feedback and hear your concerns about each home.

When you sign the Buyer’s Agency Agreement, you are simply agreeing to “hire” me as a personal representative who by law must represent your best interests to the best of my ability. By choosing me as your agent, you will get a professional who is devoted to protecting your needs and helping you make one of the most important investment decisions of your life. 

MY ROLE AS YOUR REALTOR

My main goal is to prepare you to be an educated buyer. Therefore, I will follow these guidelines to make the process as smooth and efficient as possible.

  • Communicate with you from the day we start and build a relationship that lasts forever
  • Keep your personal information, and all of our conversations confidential
  • Coordinate all aspects of the transactions from start to finish
  • Give you the most vital and up-to-date information on available homes
  • Keep you aware of changes in the real estate market
  • Disclose all known facts about the properties I show you
  • Collect pertinent data on values, taxes, utilities, etc.
  • Explain forms, contracts and procedures
  • Provide you access to MLS so you can receive notifications of homes that match your criteria
  • Help you select homes that fit your needs
  • Perform a market analysis on chosen properties
  • Advise you on making offers
  • Write your purchase agreement to the seller
  • Negotiate on your behalf
  • Treat all parties honestly and fairly
  • Respect your time, needs, and finances
  • Represent your best interests
  • Be on time for all meetings
  • Respond to and resolve all issues in a timely manner
  • Show you only the homes that meet your criteria
  • Provide my professional expertise, honesty and opinion to help you reach an informed decision based on your needs
  • Provide post-closing information & consulting services
  • Assist you with all future real estate needs
  • As your realtor, I will always be honest with you and all parties involved. I will provide you with my professional opinions, but ultimately, all final choices will be yours to make

YOUR ROLE AS THE BUYER

Your main goal as the buyer is to let me help you find a new home. Therefore, please follow these guidelines
to make the process as smooth and efficient as possible

  • Always be brutally honest with me
  • Provide preapproval or proof of funds before viewing houses
  • Keep all appointments or contact me to cancel or reschedule
  • Be on time to all meetings
  • Follow target dates per contract
  • Don’t make large purchases or incur debt without first consulting with your lender
  • Respond to calls from lender, attorney, inspector and other ancillary companies involved in the process
  • Make an informed, competitive offer promptly after finding an ideal home
  • Don’t discuss terms with sellers or their agent without me present
  • Respect the seller’s property
  • Notify me immediately if your needs or expectations change
  • Honor our exclusive agreement for me to represent you in this process

Step 2: Applying for a Mortgage

  • Connect with one of my preferred mortgage lenders from my established network
  • Present the lender with necessary materials
  • Determine your price range, down payment, monthly payment and cash to close
  • Dos and Don’ts during the mortgage process 

Before we begin looking at houses you’ll need to prepare all of the necessary materials to present to the lender. Your lender will help us determine the price range we need to be in and the type of loan that’s most suitable. There are three key factors that you will need to consider: 

  • The down payment & closing costs associated with the transaction
  • Your ability to qualify for a mortgage
  • Monthly payment (principal/interest/taxes/insurance) 

There are many different loan types available, some requiring 0% down.

It is often thought that bigger is better when it comes to down payments. In some cases, this may be true. However, this will vary from case to case. A bigger down payment means potentially smaller monthly payments and lowers interest expense for as long as you remain with that mortgage. This can be an important factor for some people. A smaller down payment, however, may allow you to keep extra cash liquid and available for home renovations, or an emergency.

What every buyer should know before purchasing:

  • Property taxes and qualified interest may be deductible on an individual’s federal income tax return
  • Often a home is the largest asset an individual has and is considered one of the most valuable investments available
  • A home is one of the few investments that you can enjoy by living in it
  • A homeowner can exclude up to $500,000 of taxable capital gain if married and filing jointly, or up to $250,000 if single or filing separately. The home must have been the taxpayer’s principal residence for 2 of the previous 5 years. (Verify with your accountant)

Do’s And Don’ts During the Mortgage Process

  • Be honest with your mortgage lender
  • Avoid ANY financial changes unless discussed with the lender first
  • Always ask the lender before you do anything related to finances, such as buying a car, boat, or motorcycle, going on an expensive vacation, or opening a new credit card
  • ANY of the above are generally NOT advised
  • Do keep records of all pay-stubs, bank statements and other important financial documents as you go through this process. If you kept records prior to beginning this process, that’s even better
  • Do provide your earnest money deposit from your own personal bank account or acceptable gift funds (confirm with lender)
  • Do provide all documentation for the sale of your current home including sales contract, closing HUD statement, employer relocation/buy-out program, etc.
  • Do notify your lender if you plan to receive gift funds for closing which are acceptable only if certain criteria are met
  • Do notify your lender of any employment changes such as recent raises, promotion, transfer, or change of pay status
  • Do be aware that a new credit report may be pulled prior to your closing
  • Don’t change jobs/employer
  • Don’t OPEN or CLOSE any account or transfer funds between accounts without talking with your lender
  • Don’t deposit any monies outside of your automated payroll deposits, particularly large amounts of cash, without notifying your lender first
  • Don’t use advances from credit cards for down payments/closing costs
  • Don’t make any major purchases prior to, or while your loan is in process
  • Don’t open or increase any credit card or loan liabilities
  • Don’t apply for new lines of credit during the mortgage process
  • Don’t fall behind on any of your payments
  • Don’t use your credit cards excessively
  • Don’t touch the money you have set aside for the down-payment, closing costs etc.
  • Don’t purchase furniture before closing on your new home
  • Don’t change banks or close bank accounts during the mortgage process
  • Don’t co-sign a loan for anyone

Simply put, discuss EVERYTHING, especially changes, with your lender!

Step 3: Search For Homes

  • Multiple Listing System Portal (MLS) – This online resource is only accessible through an agent
  • I will set you up with this customized home search so you can receive updates on applicable properties
  • This portal search is accurate and up to date with real time listings
  • Review home listings and disclosures thoroughly online
  • House hunting tips

Once we have pre-approval/pre-qualification/proof of funds, this will give us an idea of the price range we should be looking at and we can begin looking at homes. The first thing I will do is set up an automatic search on the MLS. Real estate agents use this resource to tailor the search to the criteria you are looking for in a home. I can narrow the search by looking at specific towns, number of bedrooms & bathrooms, whether you want a garage, basement, acreage, etc. Using your criteria, I will set up the search to be automatically sent to your email daily, or as new listings come up. From the comfort of your home, you can look at the property and tell me if it peaks your interest. I can typically show you any home, whether it is listed with an agency, a builder, or even For Sale by Owner. While we are looking, please understand that the perfect house does not exist. However, the information, thoughts, and details you share with me, will help us pinpoint the most desirable homes to focus on. Remember, first we work from location and must haves in a home. Then we can work with your wish list items. 

HOUSE HUNTING TIPS

  • Definitely drive by homes that interest you
  • Know what features are most important
  • Location & layout are typically the two most important criteria
  • Pay attention to floor plans – changing layouts of rooms can be costly
  • Be clear on your must haves
  • Think about what “nice to have” features you’d like
  • Know that you’ll have to make compromises and/or concessions
  • Be flexible on things that are less important
  • If you have to resell soon, do not buy an unusual home
  • Don’t be swayed by decorating (the furnishings will go with the seller)
  • Imagine the home vacant
  • Renovations to kitchens and bathrooms can be expensive
  • Measure areas to make sure your furniture will fit
  • Pay attention to the original listing date of the property – sellers tend to be more flexible the longer the home is on the market
  • Homes sometimes go for thousands or tens of thousands of dollars over asking price
  • You are almost always better off with the least expensive home in the area rather than the most expensive
  • Be ready to make an offer quickly when you find a home that you want

Step 4: Showings

  • Drive by the location of the property to get a feel for it before scheduling a showing
  • Choose the homes you’d like to see and I will set up a showing, or inform you of an open house
  • Things to do while visiting a home
  • Things to avoid while visiting a home

Once you have a house or houses that you’d like to see, we will set up a time to go see them together. Before doing so however, please do a drive by, or at minimum, Google Map it for location. Get a feel for the commute, neighborhood, and things you do and don’t want to be near. Then, let me know the properties you still wish to see. We will do our best to get all the visits completed in one day, depending on the timing and the proximity to one another. In the meantime, if any of the homes you’re interested in are having open houses, please feel free to attend.

While we are in houses for showings or open houses, assume ALL houses have Alexa or Ring devices, nanny cams, etc., and assume ALL are set on audio and/or video recording. Because of this, try to remain neutral while touring since the seller can see and hear what you’re saying.

Please do:

  • Drive by the property before a scheduled showing – this will give you a good idea of the location, directions to get there, and the option to change your mind before we go
  • Allow me to point out any potential concerns with the house
  • Open closets, doors, and cabinets while looking around
  • Try to envision yourself there
  • Ask any questions

Please don’t:

  • Look for a home before obtaining a mortgage pre approval
  • Have unrealistic expectations
  • Take any photos or videos of the exterior or interior of the properties
  • Focus on decorations – these leave with the seller
  • Use any of the bathrooms while you are there
  • Touch people’s personal items
  • Speak negatively while viewing a property (you can express concerns, but remain non-judgmental)
  • Give away negotiating power by speaking about financial details while inside the house
  • Post details about your house search or purchase plans on social media
  • Hesitate on making an offer if it’s a house you like

Step 5: Making an Offer

  • Once we find your ideal home we will strategize and present a competitive offer
  • In a competitive market we may need to move quickly on some properties, but I am here to guide you every step of the way
  • With my extensive experience in contract negotiations, I will ensure you get the best terms possible
  • Sometimes, you may only get one chance to make an offer 

You found it! The house you can see yourself in! Now it’s time to make an offer. We’ll start by discussing how the price sounds to you, how much other interest there is in the property, what condition it’s in, etc. I’ll draw up a purchase contract and send it to you electronically. Once you’ve reviewed it, you’ll send it back to me and I’ll forward it to the seller’s agent. After that, it’s a waiting game. The seller’s agent, along with the seller/decision maker(s) will look at all the offers and discuss their options. I’ll be in touch with you periodically to update you on the status. Hopefully, sooner, rather than later, I’ll be able to tell you that your offer is the one that’s been accepted!

  • Contact lender to get figures for this specific home (monthly payment and cash to close)
    • Principal, interest, taxes, insurance (P.I.T.I.)
  • I will connect with Listing Agent to get any info helpful for us when writing an offer (deadline/time frame/what’s important/other offers, etc.)
  • I will never tell you the price or terms you need to write for your offer. I will always provide my honest feedback
  • I will provide you closed sales data/price ranges for the property and area
  • Factors that could affect the price:
    • Condition of home
    • New home improvements
    • Market conditions
    • Seller’s motivation
  • We will review all options in order to set your offer apart and make it a great one
  • If your offer is accepted, you will be required to make a first deposit called “Ernest Money” (a deposit that goes towards your down payment) to show the seller that you are serious about buying the home. The amount is negotiable. Usually the more money, the stronger the offer
  • Disclosures
    • Review all seller disclosures
    • The law requires the seller disclose all material defects that they are aware of. However, sometimes things are overlooked (the seller isn’t aware of an issue, or they think it’s a nonissue that doesn’t need disclosing)
    • We can ask the seller for additional clarification or information when reviewing disclosures
  • Multiple Offers
    • It doesn’t have to be a “HOT” market for a seller to have the luxury of choosing between multiple offers
    • If you find yourself in a multiple offer situation, don’t panic, and don’t withdraw your offer –
      yours could be the best offer on the table – we can strategize

Step 6: Accepted offer

  • Once all offer terms are agreed upon, everyone signs and we go “under contract”
  • 1st deposit due immediately
  • Contingencies
      ✓ Appraisal (if applicable)
      ✓ Mortgage Commitment/Financing,
      ✓ Review Condominium/Association Documents if applicable
      ✓ Inspection – A Licensed professional will complete a thorough home inspection 

Congratulations! Your offer has been accepted! I will walk you through the process of what happens next so you can feel confident in your new purchase. I’ll work with the lender and the attorneys to make the process as easy and efficient as possible. Most meetings, with the exception of the inspection and the closing, will be remote. In the meantime, I’ll review documents with you, assist with inspections, and work towards a closing date.

During the transaction, several things are going on behind the scenes. The lenders, inspectors, both attorneys, seller’s realtor and I, will be performing necessary duties. I will act as the coordinator for all activities from this point and will keep everyone in the loop.

  • Signed Contract & Earnest Check
    • Your first deposit should be delivered right away – often, a bank check is required
    • I will tell you the amount to write, who the check is payable to, and where to deliver the check
    • Once the check is delivered, we are considered “under contract.” It is legally binding, and no other offers can be entertained
    • Certain dates, especially the closing date, may change; sometimes more than once
    • You may have a lot of questions; ask away because that is what I am here for. I have been through this process many times and will be there for you. Please don’t worry if it all sounds overwhelming. You are in good hands
    • Contingencies – Contingencies are parts of the contract that we need to get through. The most common ones are Financing and Inspection. Sometimes there can be others (ex. sale of home, attorney review, probate, appraisals, etc.)


Financing

  • Even if you are preapproved, the lender will still need time to get the appraisal done, order title, etc.
  • Continue working with your lender to satisfy all of their requests – the quicker you can get the proper documentation (updated bank statements, pay stubs, etc.) to the lender, the smoother the process
  • A VOE (verification of employment) will need to be completed to confirm that you are still gainfully employed
  • The appraiser will be sent out on behalf of the lender to verify the home value
  • As part of the mortgage process, you will need to obtain homeowner’s insurance
  • Title work will be completed by your attorney to confirm no issues with the title. Part of the title search is a municipal search you can request, that will check for any open building permits
  • We will need a clean mortgage commitment by the date on the contract – also referred to as the “clear to close,” which means all conditions of the mortgage have been satisfied and a closing can be scheduled

Inspection

Having a property inspected before you close is a crucial part of the home buying process. Although it can feel overwhelming, it will provide you with objective information of the home and its components and allow you to see the “health” of the house before you make your final decisions. During the process, we are looking for substantial issues such as structural, fire, and safety. It is always better to see what you are getting, rather than finding out later that there’s a problem that needs repair. This situation cannot only cause huge disappointment, but a hefty fee to fix. While some home buyer’s do opt to waive the inspection, I do not recommend it. I can connect you with several valued home inspectors who will gladly walk you through the home, and report on their findings.

  • When purchasing a property, I always recommend having a licensed professional thoroughly inspect it
  • In addition to the home inspection, other possible inspections could include foundation, mold, wood destroying insects, asbestos, radon, lead, well, septic etc.
  • We have a specific time frame to complete the inspections, per the contract
  • As your agent, I can recommend several professional home inspectors for you to consider
  • I also recommend being present at the inspection – I will be there too
  • As the inspector does the work, you are allowed to follow him/her around
    • You can get to know the home
    • You can learn about tips for maintenance
    • You can ask as many questions as you like
    • You will see the home through the eyes of an objective third party
  • A good home inspector knows how the home’s many systems and components work together and will be familiar with the latest construction materials and home building techniques
  • The Inspector will report on the general condition of the home’s electrical, heating, and air systems, interior plumbing, roof, visible insulation, walls, ceilings, floors, windows, doors, foundation, and visible structure
  • They will note defects and deficiencies, and suggest upgrades and maintenance
  • Inspections are at the buyer’s expense (budget up to $2,000) and can take up to 4 hours to complete
  • Should serious problems be indicated, the inspector will likely recommend that a structural engineer or another professional inspect it as well
  • A home can’t “pass or fail” an inspection
  • If necessary, your agent and your attorney will work together to negotiate a potential major repair noted during the home inspection
  • The seller may be willing to negotiate completion of repairs or a credit for completion of repairs
  • It is very seldom that we cannot get to a place where both the seller and the buyer are comfortable
  • If we are unable to come to an agreement, the buyer reserves the right to terminate the agreement, as long as we are within our home inspection due diligence time period

Step 7: Final Walk Through/Closing 

  • Set up utilities prior to closing date (electricity/gas/oil/cable/internet/propane). Usually, the companies need 72 hours advance notice to turn them on
  • Walk-through prior to closing
  • Bring funds in the form of a bank/cashier’s check, and identification to the closing
  • Once the paperwork is signed and the attorneys say it’s official, you get the keys

This is the day you’ve been waiting for! The closing on your new home! You are probably feeling a mixture of emotions – excitement, nerves, etc. Again, my role is to be here for you to make the process less stressful. The closing date has been set and you will sign documents at your attorney’s office. You’ll bring the appropriate funds to the closing (cash to close – remainder of down payment & closing costs), along with your identification and any last-minute questions.

Just before closing, we will do a final walk through of the home. This last step is to verify that no damage has been done to the property since the inspection, any agreed upon repairs have been completed, nothing from the purchase agreement has been removed from the home, and that no additional/unexpected items were left behind. You’ll then go to the closing and sign the final paperwork with your attorney.

  • The closing date is a target date – it is not set in stone and might not be confirmed until the day of
  • You cannot move anything to the property prior to closing
  • You can and should call the utility companies 72 hours prior to closing. Set it up so the utilities are put in your name for the day of your closing
  • The closing takes place at the buyer’s attorney’s office and takes about an hour
  • Typically, I will schedule the final walk through just prior to closing
  • The attorney or lender will notify you of the dollar amount to bring to closing
  • You will get notification of this amount just a few days/hours prior to closing
  • You will need to bring a bank check or set up a wire – Wire Fraud is Real – Please confirm verbally with the attorney’s office before wiring anything!
  • Closing documents get signed
  • Attorney gives the go ahead and you receive the keys
  • You can now access the property on your own
  • Relax and enjoy the experience
  • Cheers! You purchased a home!

BUYER ANTICIPATED COSTS

At the closing you will have a number of closing costs. In most circumstances, you will be required to bring a certified bank check for the costs. It is likely that you will not get the actual amount required until the day of closing, possibly hours before the scheduled closing time.

Prorated to the closing date

Taxes, oil/propane, sewer & water, HOA fees, solar, etc.

Per Closing Disclosure

Attorney fees, loan fees, points, appraisal, homeowners, recording fees

BUYER’S AGENCY AGREEMENT

Exclusive Right to Represent

Enlisting my services is similar to hiring any other professional to help you in their specific area of expertise, such as an accountant to help you with your taxes, a doctor to help you with your health care, or a mechanic to help you with your car.   I have devoted many years to researching, learning about, and working in the real estate industry. My vast knowledge and experience are what will help me find the perfect home for you quickly.  Although I assist you in becoming an educated buyer, it is my job to take care of the hassles, so you don’t have to. I guide you through the home-buying process and exclusively represent your interests as I help you find a home, present your purchase offer, put contract terms and conditions together, and negotiate for you. I get you to the closing table as smoothly and quickly as possible, so you can get your keys and enjoy your new home. My main goal is to make this a smooth, informative, and exciting process.

With me, you have a professional working hard to find and secure the ideal home for you. You won’t need to spend endless amounts of time driving around looking for homes for sale or trying to search online yourself.  When you tour homes with me, you already know that the homes meet your criteria and are within your price range.

Just as your accountant, doctor and mechanic get to know your needs through a steady relationship, I will get to know your real estate needs and concerns.  This type of relationship is built by open communication at all times and touring homes together. This way I can get your feedback and hear your concerns about each home.  

When you sign the Buyer’s Agency Agreement you are simply agreeing to “hire” me as a personal representative who by law must represent your best interests to the best of my ability.  The Seller’s Agent is typically responsible for compensating the Buyer’s Agent.  By choosing me as your agent, you will get a professional who is devoted to protecting your needs and helping you make one of the most important investment decisions of your life.

GLOSSARY OF REAL ESTATE BROKERAGE RELATIONSHIPS

In Connecticut, Real Estate brokers and their salespersons are required to disclose the type of working relationship they have with the clients in a real estate transaction. There are several types of relationships that are available to you. You should understand these nuances at the time a broker provides specific assistance to you in buying real estate. Buyer’s Agent and Seller’s Agent relationships are commonly referred to as “agency” relationships and carry with them legal duties and responsibilities for the broker as well as the buyer and seller.

Definition from the State of Connecticut: “Buyer’s Agent” means a real estate broker or real estate salesperson who acts in a fiduciary capacity for the buyer and/or lessee in a real estate transaction.

When a buyer enters into an agreement for representation with a buyer’s agent, the buyer becomes the buyer’s agent’s client. Buyer’s Agents act solely on behalf of the buyer and owe duties to the buyer, which include the utmost good faith, loyalty, reasonable care, disclosure, obedience to lawful instruction, confidentiality, accountability, and fidelity. The buyer may authorize the buyer’s agent to contact other brokers, including associates of other real estate firms, to represent the buyer in locating the property as the buyer’s agent. The agent must disclose to sellers all adverse material facts concerning the buyer’s financial ability to perform the terms of the transaction and whether the buyer intends to occupy the property. A separate written buyer’s agreement is required which sets forth the duties and obligations of the parties.

buyer agent represents the best interests of the buyer. An exclusive buyer agent has fiduciary duties to the buyer, and may not disclose to the seller the highest price the buyer is willing to pay for a property. That agent is also required to keep all other information confidential, other than their client's financial ability to qualify for a house.

Definition from the State of Connecticut: “Seller’s Agent” means a real estate broker or real estate salesperson who acts in a fiduciary capacity for the seller and/or lessor in a real estate transaction. 

When a seller enters into an agreement for representation with a seller’s agent, the seller becomes the seller’s agent’s client. Seller’s Agents act solely on behalf of the seller and owe duties to the seller, which include the utmost good faith, loyalty, reasonable care, disclosure, obedience to lawful instruction, confidentiality, accountability, and fidelity. The seller may authorize the seller’s agent to contact other brokers, including associates of other real estate firms, to represent the seller in marketing their property as seller’s agents. The agent must disclose to buyers all adverse material facts about the property known by the broker. A separate written listing agreement is required which sets forth the duties and obligations of the parties.

seller agent represents the best interests of the seller. This agent has fiduciary duties to the seller including keeping the seller informed about comparable prices in their market area, preparing a comparative market analysis for their property, developing advantageous advertising campaigns, and guiding the seller to set an attractive listing price for their home.

Definition from the State of Connecticut: “Dual Agent means a real estate broker or real estate salesperson who acts in a fiduciary capacity for both the buyer and the buyer or lessee and lessor.”

dual agent may represent both the buyer and seller in the same transaction, provided that such dual agent obtains the informed consent of the parties. The dual agent is then considered a disclosed dual agent and owes the buyer and seller a duty to deal with them fairly and honestly. In this type of agency relationship, the dual agent does not represent either the buyer or seller exclusively, and the parties cannot expect the dual agent’s undivided loyalty. The dual agent may not disclose any confidential information that would provide a negotiating advantage to either party but must provide non-confidential information that each party requests in order to accept the terms of the transaction. Both clients must agree, in writing, that they understand the possible consequences of an agent being unable to maintain confidentiality and loyalty to both clients.

Work With DJ

DJ will always have your best interest at heart and with your permission, she will be completely honest when offering her professional expertise. DJ looks forward to the opportunity to serve you!