Legal Disclosures & Important Information

1. Licensing & Authority Disclosure

Offers Real Estate is a Licensed California Real Estate Company.

• California DRE License #: 02069559
• Broker of Record: Offers Real Estate
• Broker DRE #: 01959226
• Broker Address: 2372 Morse Ave., Irvine, CA 92614

All real estate activities are conducted under the supervision of the above-named broker.

2. Nature of Services Disclosure

I am a real estate agent, NOT:

• A licensed attorney (cannot provide legal advice)
• A certified public accountant (cannot provide tax advice)
• A licensed mortgage broker or lender (cannot approve loans)
• A credit repair organization
• A government agency or affiliated with HUD

3. "Free" Services Explanation

The term "free" refers specifically to:

• Initial telephone or in-person consultation
• Review of your foreclosure situation
• Explanation of available options
• Assistance with lender communication (as your authorized agent)
• Market analysis of your property

What is NOT free:

• Real estate commission if you list your property for sale (typically 5-6% of sale price)
• Third-party costs (appraisals, inspections, repairs, etc.)
• Legal or accounting services (will refer to professionals)

4. No Guarantees Disclosure

5. Agency Relationship Disclosure

By California law, you must be informed about agency relationships:

• Initial consultation creates no agency relationship
• If you choose to list your property, we will become your Seller's Agent
• As your agent, we have fiduciary duties to you
• If you purchase another property, we can represent you as Buyer's Agent
• Dual agency (representing both buyer and seller) requires separate written consent

6. Commission Disclosure

If you choose to list your property for sale:

• Standard real estate commissions apply
• Commission is negotiable between you and your agent
• Commission is typically paid from sale proceeds at closing
• Commission rates will be detailed in the Listing Agreement
• No commission is charged if you don't sell through us

7. Alternatives to Our Services

You have other options including:

• Contacting your lender directly
• Seeking assistance from HUD-approved housing counselors (FREE): 1-800-569-4287
• Consulting with a real estate attorney
• Working with other real estate agents
• Exploring loan modification companies (be aware of scams)

8. Privacy & Communication Consent

By contacting us, you consent to:

• Receive communications via phone, email, or text
• Our collection of information about your property and situation
• Us sharing information with your lender (with your authorization)
• Us keeping records of our communications

9. Contact Information Verification

10. Acknowledgment of Understanding