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What type of real estate agent should I pick?

July 13, 2020 //  by TomBallSells@gmail.com

Do You Want Someone Loyal to You?

Or Someone Loyal to the Transaction and Its Commission Check?

In my last post, Your 4 Choices When You Pick a Real Estate Salesperson to Represent You, I explained that you can be represented in Alabama by a Real Estate Salesperson as:

  • Transaction Brokerage
  • Single Agency
  • Sub Agency
  • Limited Consent Dual Agency

Today I want to explore Transaction Brokerage and Single Agency further.

“Real Estate Agent” is a term commonly applied to a person who sells real estate. The fact the term contains the word Agent can be confusing because in Alabama the salesperson can be acting as a Transaction Broker or a Single Agent.

In the simplest manner of speaking a Single Agent represents YOU! A Transaction Broker doesn’t, because the Transaction Broker represents the transaction not the person.

The state of Alabama states that it is most important for you to know if you are a customer (Transaction Broker) or a client (Single Agent). Why? Well because Alabama is a caveat emptor state. And, unless you are extremely experienced buying and selling property in Alabama the State thinks you need to know that an agency relationship is available to you. But, only if you sign a document creating the agency. If you don’t, your relationship with the real estate salesperson is a Transaction Brokerage relationship.

 Transaction Broker Duties

A real estate salesperson acting as a Transaction Broker must provide brokerage services to all parties honestly and in good faith and avoid showing favoritism to either buyer or seller. They must exercise reasonable care and skill when providing services, answer all questions completely and accurately, and present all written purchase offers to sellers promptly and in a truthful manner. They must also keep confidential any information given to them in confidence, unless disclosure of this information is required by law. For sellers, this means that they must answer a buyer’s questions about the condition of the property completely and honestly. In addition, the buyer must be told about any hidden defects known to the salesperson that would affect the health and safety of occupants.

The Transaction Broker’s basic function is to bring buyers and sellers together so that a real estate sale can be completed.

He can help a seller market their real estate by identifying qualified buyers and showing their properties to prospective purchasers. Sellers will commonly also rely on the expertise, experience, and advice of the licensed salesperson to make their property ready for sale and determine an appropriate asking price.

He can find and show suitable real estate to buyers that they can afford and have the desired characteristics. He can also help consumers obtain mortgage financing as well as assist them with finalizing the real estate sale.

His job is to act as an intermediary between buyers and sellers. He represents the transaction not the people. He is prohibited from acting as if an agency relationship exists.

 Single Agency Duties

A Single Agent is a person who acts for or represents you in negotiations with others. The client or principal is the person the Single Agent represents. The salesperson when acting as a Single Agent must loyally represent the best interest of the client by placing the interests of the client ahead of the interests of any other party. In a real estate transaction, when a salesperson is employed as a Single Agent, the salesperson is obligated to negotiate the best price and terms for his client.

 What Does This Mean To Me?

A Single Agent must disclose to the client all information known by the salesperson that is material to the transaction and not discoverable by the client through reasonable investigation and observation. The Single Agent has no affirmative duty to discover the information.

A Transaction Broker can only answer questions asked directly. He cannot give his unsolicited opinion. He cannot report observations he has made. He cannot provide information not requested directly.

It is my opinion that every person buying and selling in Alabama needs a single agency relationship with their salesperson because caveat emptor (buyer beware) is the law in Alabama.

Example #1: You are a buyer being shown a property by a salesperson. In April 2014, on the night of the 18” rain in Baldwin County, the home you are looking at was flooded. Your salesperson has personal knowledge it flooded. If your relationship with the salesperson is Transaction Broker, the salesperson is forbidden from disclosing this information to you unless you ask him that specific question. If you have an agency relationship, the salesperson is obligated to share this information.

Example #2: You are a buyer being shown a property by a salesperson. As you are touring the home, your salesperson notices evidence of water leakage from the roof which you do not see. If your relationship with the salesperson is Transaction Broker, the salesperson is forbidden from disclosing this information to you unless you ask him a specific question. If you have an agency relationship, the salesperson is obligated to share this information.

Example #3: You are a buyer being shown a property by a salesperson. You and your spouse decide is this THE home for you. You are moving to Baldwin County from an area where home prices are much higher, e.g.California. The price seems fair to you. Your salesperson knows that the home is overpriced compared to recent sales of comparable properties. If your relationship with the salesperson is Transaction Broker, the salesperson is forbidden from disclosing this information to you unless you ask him a specific question. If you have an agency relationship, the salesperson is obligated to share this information.

Example #4: There is an area on West Beach in Gulf Shores where hurricanes Frederick and Ivan cut a pass between Little Lagoon and the Gulf. It will probably do it again the next time there is a direct hit by a big hurricane. You are a buyer being shown a property by a salesperson. Your salesperson knows about the history of the cut. If your relationship with the salesperson is Transaction Broker, the salesperson is forbidden from disclosing this information to you unless you ask him a specific question. If you have an agency relationship, the salesperson is obligated to share this information.

Do you begin to see the pattern? A Transaction Broker cannot tell you anything. A Single Agent must tell you everything they know. And under caveat emptor where you need all the help you can get, YOU NEED AN AGENCY RELATIONSHIP.

And to add insult to injury, any salesperson showing a buyer property as a Transaction Broker owes the SELLER his loyalty by law.

If you are a buyer, you simply MUST demand a Buyer Agency relationship with your salesperson.

Okay, I get it buyers need a single agency relationship with a salesperson. How about sellers?

How about this one? A seller’s Single Agent is required to try to get the most money for a seller. A Transaction Broker is not! Who do you want selling your home?

 Signing An Agency Agreement

So, will you be asked to sign an agency agreement? Probably not. Why? Because upwards of 70% of all salespersons prefer to work as a Transaction Broker.

Why? Because they believe that it will limit their personal liability. They will follow the Alabama law and tell you about the forms of representation you can have before the sale is finalized and ask you to sign the disclosure form. And then most will run away from the agency form of representation as fast as they can by not actually offering you an agency agreement to sign.

And remember, until you sign an agency agreement you are being represented by a transaction broker. You must ASK for single agency representation if your salesperson does not offer it to you.

Single Agency doesn’t cost you extra. The price for representation as a broker transaction or as a single agency is the same. Demand the highest level of representation that you can receive. You are already paying for it.

I know that everyone who reads this blog post isn’t my client or isn’t buying property in Baldwin County. If the salesperson you are talking to won’t represent you as a Single Agent, I will. Or if you’re buying or selling out of Baldwin County and they won’t, I will find you a qualified salesperson that will.

Finally, I know that there are salespersons that only represent customers as Transaction Brokers who do, in fact, go well beyond what is permitted for a transaction broker to tell their customers about the property without being asked. Are they subject to being corrected by the Alabama Real Estate Commission for breaking the rule? Yes.

But that’s not the point. If they won’t follow the law in this area, are they following it in all of the other areas that do affect your transaction? If they tell you a little, are they telling you everything they know? Are they sharing only the good stuff?

Do you want someone loyal to the transaction and its subsequent commission check? Or, loyal to you? The choice is yours.

And my recommendation to you is to accept only a single agency relationship and its loyalty to you.

[This post originally appeared in TomBallSells.com on 9/2/2017]

Other blog posts of interest:

Caveat Emptor and Alabama Real Estate

Your 4 Choices When You Pick a Real Estate Salesperson to Represent You.

Category: Alabama

YOUR 4 CHOICES

July 12, 2020 //  by TomBallSells@gmail.com

YOUR 4 CHOICES WHEN YOU PICK A REAL ESTATE SALESPERSON TO REPRESENT YOU.

Are You a Customer or a Client?

Does It Matter?

If you’ve bought or sold real estate in Alabama since 1996, you’ve been given an “Real Estate Consumer’s Agency and Disclosure” amongst the myriad of paperwork your real estate agent hands you.  The Real Estate Consumer’s Agency and Disclosure is not a binding agreement to anything, it is merely a statement disclosing the various types of agency an Alabama real estate broker offers.

Alabama is a caveat emptor (“buyer beware”) state.  The Real Estate Consumer’s Agency and Disclosure Act of 1995 was enacted to insure that every real estate consumer would be advised of the forms of representation to which he is entitled.  Before January 1, 1996, Listing brokers represented sellers, and agents who worked with buyers did so as “subagents” of the listing broker. All of the agents involved in a transaction owed their allegiance to the seller, and buyers were unrepresented.  There was no representation for a buyer, no one to negotiate on their behalf, legally. 

The State of Alabama has published a booklet to inform consumers. That booklet follows: (I’ve added  boldness,  italic font and font size to add emphasis)

“A Consumer Information Booklet

What Consumers Need To Know When Working With A Real Estate Broker

Published as a public service by the Alabama Real Estate Commission and developed with the assistance of the Alabama Research and Education Center at the University of Alabama. Revised September 8, 1998

As real estate transactions have become more complex and varied, the types of real estate brokerage arrangements available to the public have evolved to meet the changing needs of consumers entering this market. This booklet is intended to provide buyers and sellers with a description of the different types of brokerage arrangements so that consumers can choose the type of brokerage services best suited to their needs.

Know Your Rights

At the initial contact between a licensee (both sales persons and brokers) and the public, the licensee shall be considered to be a transaction broker. As soon as reasonably possible and before the exchange of confidential information, Alabama law requires the licensee to provide you with a written disclosure form that describes different types of brokerage arrangements. You are encouraged to read and sign this disclosure form. After disclosure you may then choose the type of brokerage agreement best suited to your needs. This brokerage agreement will contain a statement of the specific brokerage services the broker will provide. In the absence of a signed brokerage agreement, the transaction brokerage relationship will remain in effect. Make sure you talk to the real estate licensee with whom you are working to determine the type of services you need or will receive under alternative brokerage arrangements.

Customer or Client?

The most important thing you need to know when working with a real estate licensee is whether you are a client or a customer. A licensee owes certain duties to a client that are different from the services the licensee performs for a customer.

Agent and Client

An agent is a person who acts for or represents you in negotiations with other parties. The client or principal is the person the agent represents. The licensee when acting as an agent must loyally represent the best interest of the client by placing the interests of the client ahead of the interests of any other party. In a real estate transaction, when a real estate salesperson is employed as an agent, the salesperson is obligated to negotiate the best price and terms for his or her client.

What is a Customer?

A customer is a person who is provided services by a real estate broker, but who is not a client of the broker. In this case, the real estate licensee is not acting as an agent. The actual services you receive from a real estate broker depend on the arrangement that is established between you and the licensee.

The different types of real estate agreements are described below. There are basically three types of real estate brokerage relationships that can be established between the consumer and a real estate licensee: Single agency, limited consensual dual agency, and a transaction brokerage arrangement.

Transaction Brokerage

Transaction brokerage describes a brokerage arrangement whereby the real estate licensee assists one or more parties, who are customers, in a contemplated real estate transaction, without being the agent, fiduciary, or advocate of that party to the transaction. This means that real estate brokers and salespeople can act as intermediaries between buyers and sellers. With this type of brokerage arrangement, home buyers and sellers are customers and not clients of the licensees with whom they are working. The basic function of the licensee is to bring buyers and sellers together so that a real estate sale can be completed.

Sellers will employ the licensee to help market their real estate by identifying qualified buyers and showing their properties to prospective purchasers. This will usually also involve advertising properties for sale in newspapers and other media. Sellers will commonly also rely on the expertise, experience, and advice of the real estate licensee to help make their property ready for sale and determine an appropriate asking price.

Buyers, in turn, rely on the services of brokers to find and show them suitable real estate that they can afford and have the desired characteristics. Real estate professionals may also help consumers obtain mortgage financing as well as assist them with finalizing the real estate sale and recording the deed and other documents associated with the sale.

Transaction brokerage arrangements are usually best suited for consumers who are primarily interested in the marketing services and expertise that can be provided by real estate professionals, but who do not need an agent to represent them in the negotiations for the sale or purchase of real estate.

Under transaction brokerage, the licensee must provide brokerage services to all parties honestly and in good faith and avoid showing favoritism to either buyer or seller. Alabama law also requires all licensees exercise reasonable care and skill when providing brokerage services, answer all questions completely and accurately, and present all written purchase offers to sellers promptly and in a truthful manner. Licensees must also keep confidential any information given to them in confidence, unless disclosure of this information is required by law. For sellers, this means that licensees must answer a buyer’s questions about the condition of the property completely and honestly. In addition, the buyer must be told about any hidden defects known to the licensee that could affect the health or safety of occupants.

Single Agency

A single agency arrangement describes a relationship whereby the real estate licensee represents only one party in a real estate sales transaction. In the case of a single agency brokerage arrangement, the real estate licensee represents either the buyer or the seller, but not both parties to the real estate transaction. This type of brokerage arrangement is most appropriate for consumers who need the advice and negotiating skills of real estate professionals in addition to their marketing services. If a seller enters into a single agency agreement with a real estate broker, the broker is referred to as a seller’s agent. Under this arrangement the broker must represent only the seller in the negotiations with buyers. Here the broker will seek the highest possible price and best possible sale terms for the seller. This type of brokerage arrangement can involve the use of subagents, especially in situations where properties are marketed through a multiple listing service.

Subagents are empowered to act for another broker in performing real estate services for that broker. The subagent owes the same duties to the broker’s client as the broker. If a broker is an agent of the seller, then the subagent is also the seller’s agent. When examining properties advertised through a multiple listing service it is important for buyers to determine whether the licensee that is showing them properties is acting in the capacity of a transaction broker, seller’s agent, or as a subagent of the seller.

Buyers should exercise care with respect to the information they reveal to licensees working as seller agents. For example, if you are the customer it would not be wise to tell a licensee the maximum price you would be willing to pay for a particular property when considering making a formal purchase offer. If you are the customer, the broker’s primary responsibility is to the seller. In this case, the licensee, as the seller’s agent, must convey such information to the seller.

A buyer’s agent describes a real estate licensee who is employed by and represents only the buyer in a real estate transaction. This relationship is created by a written transaction. This transaction should clearly state the service the agent will perform for the buyer as well as specify how the licensee is paid for services rendered in connection with the real estate sale. In this case, the buyer is the client or principal and the real estate broker is the agent of and represents the buyer in dealings with sellers.

This type of real estate brokerage agreement should be used when the buyer needs guidance and representation when negotiating with sellers to purchase real estate. Buyers moving to a new location and who are unfamiliar with local market conditions would be those consumers most likely to benefit from this type of agency arrangement. It is becoming increasingly common in multiple listing situations for the selling broker (a licensee working with and showing properties to the buyer) to be an agent of the buyer and the listing broker to represent the owner seller. Here, both the buyer and seller, working through their respective agents, could negotiate at arm’s length with the benefit of professional help.

Limited Consensual Dual Agent

Limited consensual dual agency is an agency relationship where the real estate brokerage company represents both the buyer and the seller in the same real estate transaction. Consensual dual agency requires the licensee to obtain the written consent of both the buyer and the seller to act as their agent. The two most common circumstances where dual agency is encountered are (1) when two or more salespersons licensed under the same broker each represent a different party to the transaction, and (2) when one licensee represents both the buyer and seller in the same sales transaction.

One major advantage of limited consensual dual agency is that it allows broader marketing opportunities than single agency arrangements. With this type of transaction, salespeople can show houses of owners that they represent as agents to their buyer clients. Consensual dual agency is common in the larger real estate markets where real estate companies often have a large number of properties listed for sale. Many of these properties may be desirable to their buyers. With a dual agency agreement, these properties can be shown to their buyer clients.

In the case of dual agency, the principle function of the licensee is to help both parties reach mutually satisfactory outcome to their negotiations. The dual agent must avoid showing favoritism to either party, and refrain from revealing confidential information that could prove detrimental to one side or the other. Although buyers and sellers may not benefit from the full range of services or agent loyalty that could otherwise be provided with a single agency arrangement, consensual dual agency does offer consumers more assistance and guidance than would be possible under a transaction brokerage agreement.

When considering signing a dual agency agreement, it is very important that you talk with the broker to determine the types of service that will be provided, and what types of information you will share with the broker and broker’s other clients.

Conclusion

After reading this consumer information booklet, you should sign a brokerage agreement that contains a statement of the services to be provided by the real estate professional. Remember, if you do not sign a brokerage agreement, by law, the licensee working with you will be considered a transaction broker. Ask your real estate licensee to clarify and explain anything in this booklet that you do not fully understand before signing a contract for real estate brokerage services. You are encouraged to sign the disclosure form and retain a copy for your records. “

 

Key Points to Remember

  • Until an agency agreement is signed, the consumer is being represented in a transaction brokerage transaction.
  • Who is represented:
  • Single agency – the buyer or the seller.
  • Limited Consensual Dual Agency – both the buyer and seller. A future blog post will discuss further.
  • Transactional Brokerage Transaction – the transaction (the individual is a “customer”)
  • Real estate brokers and agents may not provide agency/client services to a transaction brokerage/customer.
    • Sellers may sign listing contracts with brokers which incorporate a single agency agreement. If the listing contract does not contain language creating a single agency, the broker’s services are limited to those a transaction broker can provide to a customer which include marketing and showing the seller’s property.
    • A buyer in a transaction brokerage relationship may ask the transactional broker any question and expect a truthful reply. Brokers are compelled to reserve opinion and some disclosure to agency/client relationships.  i.e. A broker could provide the recent sales price of comparable properties in a transactional brokerage only if asked directly. Why a Buyer Needs Representation will be discussed in a future blog post.

[This post originally appeared in TomBallSells.com on 9/2/2017]

Other blog posts of interest:

Caveat Emptor and Alabama Real Estate

What Type of Real Estate Agent Should I Pick?

Category: Alabama

CAVEAT EMPTOR AND ALABAMA REAL ESTATE

July 11, 2020 //  by TomBallSells@gmail.com

CAVEAT EMPTOR AND Alabama Real Estate

Caveat Emptor. (kah-vee-ott emptor) Latin for “let the buyer beware.” A doctrine that places on buyers the burden to reasonably examine property before purchase and take responsibility for its condition.

Should you be concerned? If you are buying real property in Alabama, you’d better be. Why?

Because Caveat Emptor is the law in Alabama.

If you are buying in Florida, Georgia, Tennessee, or Mississippi, any of the states surrounding Alabama, not so much, because in the states that are not caveat emptor states, their judicial system places responsibility on the seller to disclose defects and pass on knowledge they have about the home they are selling. This disclosure is typically performed on a two-three page document which the seller answers questions about everything dealing with the property. 

But not in Alabama. Caveat emptor / “Buyer Beware” is the law in Alabama.

This means that the Seller in Alabama has no affirmative duty to disclose a material defect in the home, unless the defect was known and could adversely affect the health or safety of the buyer. Affirmative duty means voluntary disclosure without being asked. A material defect is best defined as one which would be a significant factor in a buyer’s decision to buy or not buy a particular house. And, oh yeah, the health or safety disclosure requirements are more narrowly defined by federal law than the average consumer would think. And to make things worse, Alabama case law has held for the Seller citing caveat emptor in instances when the Seller lied to the Buyer in response to direct questions.

Caveat emptor definitely stacks the cards against the buyer.  The burden is on the Buyer to examine the property and take responsibility for its condition.

Caveat Emptor is Serious but has a simple remedy.

The buyer simply must have the property thoroughly inspected.  The buyer must take nothing for granted.  All areas of concern must be inspected.  If the normal home inspection reveals concerns that are beyond the scope of the inspection such as plumbing, electrical, HVAC, structural or mold, It is the responsibility of the Buyer to retain professionals to investigate.

 When inspections are done and the buyer closes on the sale, and, then a defect rear its head, the buyer has a legal recourse. The buyer won’t sue the seller, unless the seller intentionally concealed pertinent information about the property that could affect one’s health and safety; the buyer would sue the inspector. Such suits where inspections have been done, Alabama Supreme Court has generally ruled in favor of the buyer. The difficulty is that the inspector’s contract frequently limits the level of liability (e.g. $2,500 in the most recent contract I looked at).

[This post originally appeared in TomBallSells.com on 9/2/2017]

Other blog posts of interest:

Your 4 Choices When You Pick a Real Estate Salesperson to Represent You

What Type of Real Estate Agent Should I Pick?

Category: Alabama

Life is a grindstone.

July 10, 2020 //  by TomBallSells@gmail.com

Life Is a Grindstone

“Life is a grindstone. What doesn’t grind you down, shapes and polishes you.”

My life has been shaped by four major events and their enfolding consequences.

  1. Meeting my wife, Suzy.
  2. The birth of my children.
  3. My service in the Army.
  4. Cancer

Many of my readers have their own experiences with one through three. So, I’d like to comment today regarding Cancer.

In his book, It’s Not About the Bike, Lance Armstrong writes about being in the hospital in Memphis being treated for testicular cancer. He tells of a fellow patient coming to his room one night and telling him that ‘we are the lucky ones’. Lance said that at the time he didn’t understand what the other patient meant.

And that is the way it is. When you are fighting to live, you fail to see the bright side. And, yes there is a bright side. Because one of the gifts you receive when you come close to death is a new appreciation for being alive.

I’ve almost died four times. The first two times I was young and stupid and I didn’t learn anything. The last two times I’ve learned to stop and smell the roses and listen.

The biggest change in my behavior after surviving near death was making a conscious decision to listen. Before “C” I would hear what was being said but I was often multi-tasking. You know, thinking about what clever thing I was going to say next, or what to say to steer the conversation to a topic I was more interested in. I’ve just about stopped all of that. Now, I stay centered in the moment and listen. I want to absorb all that is being said. And, boy is it different from just waiting for my chance to talk.

We all know about rose smelling. We’ve been told to do it in stories and songs for years. Yet we get busy and walk on past the roses in our life. You know. Our spouses, children, parents, friends and neighbors. We work hard and collect shoes or toys, knowing that the one with the most of either when they die is the winner.

But, I can tell you and so can many other survivors, it’s not about stuff. It’s about relationships.

In my career as a Realtor, I come in contact with lots of people. Many provide economic opportunities for me. All provide me an opportunity to serve and develop a relationship. And it is this opportunity to develop new relationships that I value the most. Each day I celebrate being alive and making new friends.

I’m looking forward to getting to know all of my blog readers. Don’t hesitate to reach out to me.

And, if you, a family member or friend wants to know more about my experiences surviving stage four colo-rectal cancer and neuroendocrine tumors, short bowel syndrome, or wearing an ostomy long-term call, text, or email. I’m not bashful about talking about this. It seems because its “bathroom stuff”, folks are embarrassed to ask questions. Don’t be. I’m a one man support group. If you are at that place where you’re looking into the deep dark hole of despair searching for answers, call. I’m eager to share a story of survival. ‘Cause hope matters.

[This post originally appeared in TomBallSells.com on 11/6/2015]

Category: Personal

Thank You Pie

July 9, 2020 //  by TomBallSells@gmail.com

Thank You Pie

In 1997, Suzy and I bought a lot on West Beach for our sand box on the Gulf coast. That year our Realtor sent us the most delicious Thank You Pie at Christmas. A raspberry cheesecake from Hope’s Cheesecakes in Gulf Shores.

I absolutely love cheesecake. I had no idea there was someone on the Gulf Coast who could cook such an excellent cheesecake.  This raspberry cheesecake was a new flavor to me. I was smitten instantly. It’s now my favorite flavor, but I confess I’d beg for any of a dozen other flavors. They’re all so good.

This Tuesday, I will be picking up my Thank You Pies from Hope’s and sharing their deliciousness as a special Thank You to my referrers, buyers and sellers. This year its is going to be the fruit flavor sampler. Yum, yum!

Want your very own Thank You pie next Christmas? Let me help you sell or buy your next house/condo or refer me to a friend who needs help.

And, if you’re not ready to buy or sell, remember Hope’s ships nationwide. Support this local treasure!

Merry Christmas and thank you for enriching my life.

[This post originally appeared in TomBallSells.com on 12/15/2016]  

Category: Personal

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Tom Ball, Realtor

C/T 251-752-7741

Tom@TomBallSells.com

 

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