Transaction scenario library

Example: Lender needs the signed price addendum.

Agent review required.

• Current addendum and signatures
• Whether attachment has been reviewed

Ask: Which addendum and signature pages are still needed?

Suggested wording: Please identify the addendum and any missing signature pages so we can verify the current file.

Basis: Proposed Realy operating guidance — agent review pending

Example: Please send the property disclosure.

Agent review required.

• Current document list
• Disclosure category and signatures

Ask: Which disclosure or page is missing?

Suggested wording: Please confirm which disclosure and pages you need so we can check the transaction file.

Basis: Proposed Realy operating guidance — agent review pending

Example: Page two is missing initials.

Agent review required.

• Document version
• Signer and page

Ask: Which signer, document version, and page need attention?

Suggested wording: Please identify the document version, page, and signer needing attention.

Basis: Proposed Realy operating guidance — agent review pending

Example: We have different versions of the contract.

Agent review required.

• Current packet
• Execution and amendment order

Ask: Which versions are being compared?

Suggested wording: Please send the version identifiers and disputed sections so the agent can reconcile the file.

Basis: Proposed Realy operating guidance — agent review pending

Example: The uploaded contract pages are unreadable.

Agent review required.

• Affected pages
• Missing execution evidence

Ask: Can you provide a legible copy of the affected pages?

Suggested wording: Please provide a legible copy of the affected pages, including any signatures and dates.

Basis: Proposed Realy operating guidance — agent review pending

Example: What is the loan type?

Agent review required.

• Reviewed purchase contract
• Conventional FHA VA USDA Cash Hard Money Other

Ask: What financing source does the executed contract specify?

Suggested wording: Please confirm the financing source stated in the executed contract and specify the type if listed as Other.

Basis: Proposed Realy operating guidance — agent review pending

Example: Can you confirm the down payment percentage?

Agent review required.

• Purchase price
• Down payment dollar amount
• Reviewed financing terms

Ask: What purchase price and down payment amount are confirmed?

Suggested wording: Please confirm the purchase price and down payment amount so the percentage can be checked.

Basis: Proposed Realy operating guidance — agent review pending

Example: Does the seller credit cover these costs?

Agent review required.

• Reviewed contribution amount
• Amendments
• Lender confirmation

Ask: What seller contribution is agreed and how will the lender apply it?

Suggested wording: Please confirm the agreed seller contribution and how it will appear in the closing figures.

Basis: Proposed Realy operating guidance — agent review pending

Example: Has the buyer completed the loan application?

Agent review required.

• Application deadline
• Lender response

Ask: Can the lender confirm application status and outstanding items?

Suggested wording: Please confirm application status and identify anything still needed from the buyer.

Basis: Proposed Realy operating guidance — agent review pending

Example: Underwriting still needs documents.

Agent review required.

• Lender conditions
• Due dates
• Secure delivery method

Ask: Which conditions are outstanding and who must supply each item?

Suggested wording: Please list the outstanding conditions, responsible party, and requested timing. Share sensitive documents through your secure portal.

Basis: Proposed Realy operating guidance — agent review pending

Example: The loan commitment is still outstanding.

Agent review required.

• Contract financing deadline
• Written lender status

Ask: When is the written commitment expected?

Suggested wording: Please confirm the expected commitment timing and any unresolved conditions affecting it.

Basis: Proposed Realy operating guidance — agent review pending

Example: The buyer was denied financing.

Agent escalation required.

• Written lender notice
• Contract terms
• Agent escalation

Ask: Can the lender provide written status for the agent to review?

Suggested wording: Please provide written financing status and relevant timing for the agent’s review. No change to the agreement is being confirmed.

Basis: Proposed Realy operating guidance — agent review pending

Example: The rate lock expires before closing.

Agent review required.

• Lender lock expiration
• Closing date
• Extension cost responsibility

Ask: What extension options and costs does the lender offer?

Suggested wording: Please confirm the lock expiration and available extension options, including costs and required timing.

Basis: Proposed Realy operating guidance — agent review pending

Example: The buyer changed jobs before closing.

Agent review required.

• Lender confirmation
• Sensitive information routing

Ask: What must the lender verify and could timing be affected?

Suggested wording: Please advise what verification is needed and whether the closing schedule may be affected. Use the lender’s secure channel for personal records.

Basis: Proposed Realy operating guidance — agent review pending

Example: The buyer is putting 20% down. Is an appraisal required?

Agent review required.

• Financing source
• Down payment
• Written lender confirmation

Ask: Can the lender confirm whether an appraisal is required?

Suggested wording: Please confirm in writing whether an appraisal is required. Down payment alone does not establish a waiver.

Basis: Proposed Realy operating guidance — agent review pending

Example: Has the appraisal been ordered?

Agent review required.

• Lender order status
• Access contact
• Expected delivery

Ask: When will the appraisal be scheduled and delivered?

Suggested wording: Please confirm order status, access arrangements, and expected report timing.

Basis: Proposed Realy operating guidance — agent review pending

Example: The property appraised below the purchase price.

Agent review required.

• Report
• Reviewed appraisal terms
• Gap addendum
• Agent options

Ask: What is the reported value and what contract provisions apply?

Suggested wording: Please provide the appraisal and the amount of the shortfall so the agent can review the agreement and discuss available options.

Basis: Proposed Realy operating guidance — agent review pending

Example: The appraiser requires repairs before funding.

Agent review required.

• Lender written requirements
• Responsibility
• Completion evidence

Ask: Which repairs and reinspection does the lender require?

Suggested wording: Please provide the written repair requirements, reinspection process, and expected impact on timing.

Basis: Proposed Realy operating guidance — agent review pending

Example: The appraisal report is delayed.

Agent review required.

• Expected delivery
• Financing and closing dates

Ask: What is the revised report estimate and impact on closing?

Suggested wording: Please confirm the revised report estimate and whether any financing or closing milestones are affected.

Basis: Proposed Realy operating guidance — agent review pending

Example: Who pays for the selected inspections?

Agent review required.

• Checked Yes inspections
• Buyer or seller expense
• Missing fields

Ask: Which inspections are selected and who pays under the contract?

Suggested wording: Please confirm the selected inspections and the responsible payer for each from the executed agreement.

Basis: Proposed Realy operating guidance — agent review pending

Example: We need to schedule inspection.

Agent review required.

• Selected inspections
• Contract deadline
• Access
• Preferred vendors

Ask: What appointment options fit the agreed inspection period?

Suggested wording: Please share available appointment times and access requirements so scheduling can be coordinated within the agreed period.

Basis: Proposed Realy operating guidance — agent review pending

Example: We need an inspection extension.

Agent review required.

• Current deadline
• Requested date
• Written agreement

Ask: What extension date is requested and has an addendum been executed?

Suggested wording: Please confirm the requested date and reason. The agent will review the request; this message does not grant an extension.

Basis: Proposed Realy operating guidance — agent review pending

Example: The inspection report identified a concern.

Agent review required.

• Report section
• Selected inspection
• Contract response deadline

Ask: Which report sections and specialist recommendations need review?

Suggested wording: Please identify the relevant report sections and recommended next steps for the agent and buyer to review.

Basis: Proposed Realy operating guidance — agent review pending

Example: The seller rejected the repair request.

Agent review required.

• Written request
• Seller response
• Contract response period

Ask: Which items remain disputed and what alternatives are proposed?

Suggested wording: Please identify the unresolved items and any proposed alternatives for the parties to consider. No agreement is being confirmed.

Basis: Proposed Realy operating guidance — agent review pending

Example: Can we take a credit instead of repairs?

Agent review required.

• Agent instructions
• Lender allowance
• Written agreement

Ask: Will the lender permit the proposed credit and have the parties agreed?

Suggested wording: Please confirm lender acceptance of the proposed credit and the terms the parties would need to document.

Basis: Proposed Realy operating guidance — agent review pending

Example: The contractor says the repairs are complete.

Agent review required.

• Completion confirmation
• Agreed scope
• Inspection evidence

Ask: What evidence confirms the agreed work is complete?

Suggested wording: Please provide completion confirmation for the agreed scope and any available supporting documentation.

Basis: Proposed Realy operating guidance — agent review pending

Example: We have the invoice but need a paid receipt.

Agent review required.

• ROC scope
• Invoice
• Separate payment evidence

Ask: Can you provide the paid receipt separately from the invoice?

Suggested wording: Please provide the paid receipt for the agreed work. An invoice alone does not confirm payment.

Basis: Proposed Realy operating guidance — agent review pending

Example: We need to verify repairs before closing.

Agent review required.

• Repair agreement
• Access
• Qualified reviewer

Ask: When can the agreed repairs be reinspected?

Suggested wording: Please share access options and supporting completion documents so the agreed repairs can be reviewed.

Basis: Proposed Realy operating guidance — agent review pending

Example: Please send the title commitment.

Agent review required.

• Title contact
• Commitment status
• Agent review

Ask: When will the commitment be available and are there unresolved items?

Suggested wording: Please confirm the commitment status and identify any items requiring the agent’s attention.

Basis: Proposed Realy operating guidance — agent review pending

Example: Title found a lien.

Agent escalation required.

• Title findings
• Clearance requirements
• Closing impact

Ask: What does title require to address this item?

Suggested wording: Please identify the title item, required clearance documents, and expected timing for resolution.

Basis: Proposed Realy operating guidance — agent review pending

Example: The payoff statement is missing.

Agent review required.

• Title request
• Statement validity
• Secure channel

Ask: What authorization or documentation is needed for the payoff?

Suggested wording: Please confirm what is needed to obtain the payoff statement and its required validity date. Use a secure channel for account details.

Basis: Proposed Realy operating guidance — agent review pending

Example: How should the buyer take title?

Agent review required.

• Title question
• Buyer instructions
• Qualified advice

Ask: What ownership information does title need from the buyer?

Suggested wording: Please clarify what information title needs so the buyer can obtain appropriate guidance before confirming vesting.

Basis: Proposed Realy operating guidance — agent review pending

Example: We are waiting on HOA documents.

Agent review required.

• Required association records
• Fees
• Lender/title request

Ask: Which association items remain outstanding?

Suggested wording: Please list the outstanding association documents or balances and the expected delivery timing.

Basis: Proposed Realy operating guidance — agent review pending

Example: The survey shows an encroachment.

Agent escalation required.

• Survey
• Title exceptions
• Agent escalation

Ask: What issue needs review and what documentation is available?

Suggested wording: Please provide the relevant survey detail and title’s explanation of the issue for the agent’s review.

Basis: Proposed Realy operating guidance — agent review pending

Example: When is the earnest money due?

Agent review required.

• Exact contract trigger
• Acceptance evidence
• Timezone
• Hours versus days

Ask: What acceptance evidence and deadline wording are confirmed?

Suggested wording: Please confirm the agreement’s exact deadline wording and acceptance evidence so the due date and time can be verified.

Basis: Proposed Realy operating guidance — agent review pending

Example: Has the earnest money been received?

Agent review required.

• Escrow holder receipt
• Amount
• No inference from upload

Ask: Can the escrow holder confirm receipt?

Suggested wording: Please confirm whether the deposit has been received and provide a receipt through the established channel.

Basis: Proposed Realy operating guidance — agent review pending

Example: The earnest money is late.

Agent review required.

• Verified deadline
• Escrow holder status
• Agent escalation

Ask: What receipt status and deadline evidence are available?

Suggested wording: Please confirm receipt status and the deadline being referenced so the agent can review the situation promptly.

Basis: Proposed Realy operating guidance — agent review pending

Example: The parties disagree on releasing the deposit.

Agent escalation required.

• Written instructions
• Contract
• Broker/title escalation

Ask: What signed release instructions exist?

Suggested wording: Please provide the current written positions and any signed release instructions for the agent and escrow holder to review.

Basis: Proposed Realy operating guidance — agent review pending

Example: Please use these new wire instructions.

Agent escalation required.

• Known trusted contact
• Independent verification
• No payment data in reply

Ask: Verify independently with a previously established contact.

Suggested wording: No payment-instruction draft. Independently verify with a previously established contact.

Basis: CFPB: Beware of mortgage closing scams

Example: Please email the buyer’s bank statement.

Agent escalation required.

• Requester identity
• Secure lender or title portal

Ask: Which verified secure portal should be used?

Suggested wording: Please confirm the established secure channel for delivering sensitive documents. Do not include personal financial records in this email thread.

Basis: Proposed Realy operating guidance — agent review pending

Example: What time is closing scheduled?

Agent review required.

• Reviewed closing date
• Confirmed appointment time
• No possession conflation

Ask: Has a specific appointment time been confirmed?

Suggested wording: Please confirm the closing date and appointment time, if scheduled.

Basis: Proposed Realy operating guidance — agent review pending

Example: We need to push closing.

Agent review required.

• Current agreed date
• Cause
• Requested date
• Executed extension

Ask: What date is requested and what written agreement is needed?

Suggested wording: Please confirm the reason for the delay, proposed date, and outstanding items. The agent will review any required written agreement.

Basis: Proposed Realy operating guidance — agent review pending

Example: The closing figures do not look right.

Agent review required.

• Latest disclosure
• Loan estimate
• Lender explanation

Ask: Which figures differ and can the lender explain them?

Suggested wording: Please identify the figures that differ and ask the lender to provide an explanation before the documents are finalized.

Basis: CFPB: Closing Disclosure explainer

Example: Are we clear to close?

Agent review required.

• Written lender status
• Outstanding conditions
• Title readiness

Ask: Can the lender confirm clear-to-close status?

Suggested wording: Please confirm the lender’s current status and any conditions still outstanding before closing.

Basis: Proposed Realy operating guidance — agent review pending

Example: We found damage at the final walkthrough.

Agent escalation required.

• Observed condition
• Photos
• Agreed condition
• Agent escalation

Ask: What changed and what evidence is available?

Suggested wording: Please document the concern and share it with the agent promptly so next steps can be discussed before closing.

Basis: Proposed Realy operating guidance — agent review pending

Example: When does the buyer get the keys?

Agent review required.

• Reviewed possession clause
• Date and time
• Any executed change

Ask: What possession date and time does the agreement specify?

Suggested wording: Please confirm the agreed possession date and time, including any executed changes.

Basis: Proposed Realy operating guidance — agent review pending

Example: Which utility companies should the buyer call?

Agent review required.

• Verified address-specific providers
• Service start and possession dates

Ask: Which providers serve this exact property?

Suggested wording: Please confirm the providers serving this property and coordinate the requested service dates with the agreed possession timing.

Basis: Proposed Realy operating guidance — agent review pending

Example: Have the buyers scheduled movers and internet?

Agent review required.

• Closing and possession timing
• Client confirmation
• Preferred vendors

Ask: Have movers, utilities, and internet been scheduled?

Suggested wording: Have you scheduled movers and contacted the utility and internet providers? Please let us know what still needs attention.

Basis: Proposed Realy operating guidance — agent review pending

Example: The buyer wants to terminate the contract.

Agent escalation required.

• Client instructions
• Contract clauses
• Deadlines
• Broker review

Ask: What written instructions and supporting facts are available?

Suggested wording: Please provide the request and supporting details for the agent’s immediate review. This message does not terminate the agreement or release any deposit.

Basis: Proposed Realy operating guidance — agent review pending

Example: Please update the client address and home anniversary.

Agent review required.

• Confirmed closing date
• Client address
• Agent approval
• Integration status

Ask: What final closing date and address should be recorded?

Suggested wording: Please confirm the final closing date and client address for the agent to review before updating records and preparing the anniversary reminder.

Basis: Proposed Realy operating guidance — agent review pending