Find Your Portland Home with Extraordinary Service

Keller Williams Realty Professionals
9755 SW Barnes Road, Suite 530
Portland, OR 97225
503.546.9955
TurnerRealtors.com • PortlandRealEstateBlog.com • liveNWpdx.com
Buyer’s
Real Estate
Guide
503.406.2532
6

2
Buyer’s Extraordinary Service
Guarantee
Extraordinary Service Guarantee for the Home Buyer
The Extraordinary Service Guarantee is your written commitment from Jenny, Charles,
and the Turner Team Realtors® assuring the delivery of all of the services described
below.
As your Real Estate Professionals, we will:
1. Present an agency law pamphlet and explain
agency relationship.
2. Gather information to identify your needs and
goals and to plan a property search.
3. Offer to arrange pre-qualifying or pre-approval
meeting with one of our preferred lenders to
determine affordability range and improve
negotiating position at the point of offer.
4. Explain home warranty services and providers
such as American Home Shield Buyer Protection
Plan,LandmarkHomeWarranty,andOldRepublic
Home Protection.
5. Commit to priority availability for meeting your
needs and schedule for property research and
showings. Complete a thorough market search to
identify all properties consistent with your needs
and price range.
6. Prepare a written Competitive or Comparative
Market Analysis for you prior to your making an
offer, per your request, if possible.
7. Prepare a written offer to purchase the property
of your choice reflecting your price and terms.
8. Provide advice and negotiating assistance on all
offers to purchase. Monitor and communicate the
status and satisfaction of contract contingencies.
9. Obtain and review with you the seller’s written
property history and disclosure statement.
10. Recommend professional inspections and review
findings and remedies with you.
11. Accompany you on a property walk through
before closing, if provided for in the contract.
12. Contact you after the closing to assure the
satisfactory completion of all service details.
The Turner Team RealtorsReal Estate Professionals

3
Introduction for the Home Buyer
Thank you for the opportunity to let us represent you in the purchase of your new home. We think of our clients
as individuals with specific needs. With this in mind, we strive to give you exceptional service. No two real estate
transactions are the same but regardless of your goals we can help you make the informed and educated decisions
that best suit your situation.
We, Jenny and Charles, teamed up as Realtors in 2003. Every year since then we’ve continued to grow and improve
the service and expertise we are able to offer you. In 2010 we incorporated, in part to underscore that real estate is
a business, not a part time hobby. Our current business is made up of more than fifty percent past clients and client
referrals. Earning your repeat business and referrals is our main goal. Our unique team structure allows us to serve the
entire Portland Metro including SWWashington. We have the tools and expertise to guide you through any residential
real estate transaction.
This guide provides an overview of our
team and of the buying process:
• Buyer’s Quality Service Guarantee......................................................2
• Introduction................................................................................................3
• The Turner Team........................................................................................4
• The Turner Team in the Community...................................................6
• Finding and Buying a Home..................................................................7
• What to Expect...........................................................................................8
• Technology Streamlines Your Transaction.......................................9
• Home Warranty........................................................................................10
• Dual Agency and Buyer Due Diligence...........................................11
• Mortgage Brokers Recommended by Past Clients.....................12
• Preparing for the Lender......................................................................13
• Loan Processes Do’s and Don’ts.........................................................14
• Moving Checklist.....................................................................................15
• Services You May Need.........................................................................16
• Looking for a Home Inspector............................................................17
• Buying a Short Sale.................................................................................18
• Buying a Bank-Owned Property........................................................19
• Reviews.......................................................................................................22
• Oregon Real Estate Agency Disclosure Pamphlet.......................24
Jenny Turner
Principal Broker, MBA, GRI
503.312.4642 • Jenny@TurnerRealtors.com
Jenny holds an MBA from Portland State University as well
as an undergraduate degree from Lewis & Clark College.
Her certifications include Graduate Realtor Institute (GRI).
In addition to a wealth of knowledge and experience in
realestateandbeingalicensedbrokerinbothOregonand
Washington, Jenny has a passion for the communities she
serves. She is past President, and current member, of the
Board of Directors for the Fruit and Flower Development
Center - an agency for helping children. She and her
husband, Charles, reside in Northwest Portland with
their son, Ryan. Her passions for family, community, and
helping people achieve their dreams are evident in the
diligence she brings to every transaction, relationship,
and engagement in her life.
Charles Turner
Principal Broker, MBA, e-PRO, GRI
503.936.7764 • Charles@TurnerRealtors.com
Charles brings a wealth of knowledge to this team as
demonstrated by the over 1000 posts he has written for
our industry-respected blog, PortlandRealEstateBlog.
com. He holds an MBA from the Atkinson Graduate
School of Management at Willamette University and
an undergraduate degree from Lewis & Clark College.
His certifications include completion of NAR’s e-PRO
and Graduate Realtor Institute (GRI) designations.
He is also a professional coach for Realtors with the
Tom Ferry Your Coach Organization. Like his wife and
business partner, Jenny, Charles has a great love for his
community. He serves as a member of the Ambassador
Board for the Oregon Chapter of the Make-A-Wish
Foundation. In addition to a love of family, community,
and real estate, Charles also enjoys sailing, skiing, and
cycling.

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The Turner Team
The Turner Team’s Realtors®
Jessica Berger, Oregon Broker • 503.703.1712 • Jessica@TurnerRealtors.com
Jessica joined our team as a graduate of the University of Oregon and has a passion for assisting buyers and sellers, which
is evident in any interaction with her. She lives in the Hawthorne neighborhood with her husband and loves family as
well as supporting children in the community. Some of her favorite activities include wine tasting, fashion, and studying
architecture.
Lisa Carter, Oregon and Washington Broker • 503.757.7283 • Lisa@TurnerRealtors.com
Lisa is one of our dual state brokers – licensed in both Oregon and Washington. She joined the team as a graduate of Oregon
State University and is now one of our top agents and Washington State specialist. Clients truly appreciate her patient,
friendly, compassionate, and understanding manner. In addition to spending time with her husband and three children,
Lisa also is passionate about serving her community in Brush Prairie.
Tyler Degele, Oregon Broker • 503.351.6341 • Tyler@TurnerRealtors.com
With a background in building and remodeling homes and an education in marketing and business, Tyler joined our team
with a true passion for real estate. He loves getting to know homebuyers and the goals they have for home ownership.When
not helping clients fulfill their dreams, Tyler enjoys spending time outdoors and traveling throughout the Pacific Northwest
while spending time with family and friends. Tyler is also passionate about this area - from the entire Portland Metro down
to the Villebios neighborhood of Wilsonville, where he resides.
Jacob Fowler, Oregon Broker • 971.270.8159 • Jacob@TurnerRealtors.com
With a passion for helping people find their dream home, Jacob brings a wealth of knowledge to every real estate
transaction. He joined our team with two bachelor’s degrees and with extensive knowledge of the local market. Jacob
enjoys volunteering at Doernbecher Children’s Hospital and Lines for Life. In his free time, Jacob likes to ride horses, travel,
and explore the local area through outdoor activities.
Susan Horvat, Oregon Broker • 503.949.3899 • Susan@TurnerRealtors.com
Susan is a member of RMLS and WVMLS and serves both buyers and sellers in real estate transactions. She is an Accredited
Buyer Representative (ABR). After living in the Salem area for many years, Susan now lives with her husband in the Tualatin
area and loves to spend her spare time with her grandchildren.
Mike Richardson, Oregon Broker • 503.468.6486 • Mike@TurnerRealtors.com
With over five years of prior real estate prior to joining our team, Mike offers a wealth of real estate knowledge to every
transaction. He also brings a passion for helping people and excellent negotiation skills that his clients truly appreciate. In
his down time, Mike is a musician and home brewer. He also dedicates time to helping local animal shelters and exploring
the Reed Neighborhood of SE Portland, where he lives.
Heidi Schiewe, Oregon Broker • 503.347.3643 • Heidi@TurnerRealtors.com
Heidi, an Oregon native, studied Communications at Portland State University. Prior to becoming a licensed Realtor, Heidi
enjoyed a successful career in home furnishings providing high-level customer service. She has taken this experience into
the real estate industry and takes pride in helping buyers find their “just right” property. In her spare time Heidi enjoys
hiking, golfing, wine tasting, and volunteering with Meals on Wheels. She resides in West Linn with her husband where they
raised their college-aged sons.
Chris Speich, Oregon Broker • 503.702.4609 • Chris@TurnerRealtors.com
Chris joined our team with over 15 years of experience as a licensed real estate professional. He grew up in the metro area
and currently resides in Tigard. Clients love Chris’enthusiasm and appreciate his caring demeanor. When not working, Chris
can often be found helping his local church or coaching Tigard youth teams. He is an avid sports enthusiast and loves
watching his children’s youth sports teams as well as his favorite college and major league football teams.

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The Turner Team
Press & Award
Highlights
2014
• Portland Business Journal’s Top
100 Fastest Growing Private
Companies
2013
• Portland Monthly 5 Star Agent
• Keller Williams Double Platinum
Award
2012
• Atlantic & Pacific Real Estate: Top
Agents Nationwide
• Portland Monthly 5 Star Agent
2011
• Portland Business Journal’s Forty
Under 40 awarded to Charles
2010
• Prudential Chairman’s Circle
Platinum
• 2nd Quarter Top Three Sales
Professionals in Oregon for units
& GCI
• Oregonian Alphabet District
Neighborhood Profile Article
• Portland Tribune Article
• Portland Mercury Article
2009
• Prudential Chairman’s Circle Gold
• KOIN News TV Interview
2008
RISMedia Realtors on the Rise
• NuWire Investor Article
2007
• New York Times Article
• Brainstorm NW Article
2006
• Prudential President’s Circle
• Oregonian Article
• Daily Journal of Commerce Article
• Associated Press Article
2005
• Prudential President’s Circle
• Portland Business Journal Article
• Oregonian Article
2004
Our unique team
structure allows
us to serve the entire
Portland Metro including
SW Washington. We have the
tools and expertise to guide
you through any residential
real estate transaction.
The Turner Team’s Administrative Staff
Tracy Swall, Executive Assistant - Oregon Broker
503.504.5748 • Tracy@TurnerRealtors.com
Tracy has worked in the real estate industry since 2001 and has a passion for helping
teams succeed. A third generation Oregonian, Tracy grew up in the Beaverton area
with a great appreciation for the area’s mountains, beaches, hiking, and running
opportunities. She and her husband have two adult children and a Dachshund
named Penny.When not helping our team do great things, she spends time assisting
the Shine Backpack Program and volunteering with the Faith Café.
Jeanne Calkin, Oregon Broker & Client Care Manager
503.305.3281 • ClientCare@TurnerRealtors.com
Jeanne brings knowledge from an exceptional real estate background to our team
as well as a zeal for the entire Metro area. She has resided in Lake Oswego for over 30
years and loves all that this area has to offer, from the Saturday market to trips out to
the coast or one of the area’s mountains. In her free time, she loves to fish and camp
and also supports local area animal rescues, Greenpeace, and organizations set on
protecting our forests and oceans.

6
We proudly support the Make-A-Wish Foundation of Oregon and Fruit & Flower
with our charitable dollars. Charles is a member of the Ambassador Board for the
Oregon chapter of the Make-A-Wish Foundation and
Jenny is a member of the Board of Directors for Fruit & Flower.
Giving back
is an important part of
being members of our
community.
The Turner Team in the Community
The Make-A-Wish Foundation
grants the wishes of children
with life-threatening medical
conditions to enrich the human
experience with hope, strength
and joy.
FRUIT & FLOWER provides a play-
based childcare program that supports
creative thinking, respect for diversity,
and social awareness in each child.
KW Cares is a tax exempt 501(c)
(3) public charity created to support Keller
Williams Realty associates and their families
in times of extreme hardship as a result of a
sudden emergency. Hardship is defined as a
difficult circumstance that a person or family
cannot handle without outside help.
This charity is the heart of the Keller Williams
Realty culture in action – finding and serving
the higher purpose of business through
charitable giving in the communities where
our agents live and work.

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Finding and Buying a Home
Initial Consultation
• Determine your priorities and needs
• How long are you planning on living in your next home?
• Consider the benefits / drawbacks to owning a home
• Review“agency”choices & select appropriate working relationship
• Discuss financing options
Preparing an Offer
• Review comparable sales to determine offer price
• Review progress of loan pre-approval; decide on financing
• Decide on other terms (inspections, possession date, personal
property, etc.)
Completing the Settlement Process
• Deposit of earnest money
• Review seller’s property disclosures
• Review preliminary title report
• Roof, termite and other inspections
• Remove any remaining contingencies
• Arrange for homeowners insurance
• Arrange for home warranty
• Arrange for movers
• Final walk-through of property with Realtor®
• Provide balance of down payment and closing costs
• Sign documents
• Loan funding
• Recording of title
• Receive keys from Realtor®
• Move in!
• Property appraisal
• Loan processing
• Final loan approval
Finding the Right Home
• Realtor® to show you properties based on your criteria
• What kind of home do you want? (Detached, Attached, etc.)
• How many bedrooms and bathrooms?
• Are school districts important?
• Evaluate each property with sales associate
• Choose the right home
Obtaining Financing
• Select a mortgage company
• Consult with a loan officer
• What are the different loan
programs available (FHA, VA,
Conv, etc.)
• Make sure your credit is in
good shape
• Pre-qualification
• Complete loan application
• Obtain pre-approval
• How much can you afford?

8
What to Expect
From this Market
Navigating this market can be very complex at times.
In your search for a home you generally come across
three different types of sellers. Each one will have
different escrow timeframes, negotiation styles,
pricing strategies, and timeframes for accepting your
offer. Withoutknowingthedifferentcharacteristicsof
the different types of sellers it can be very frustrating
to a buyer.
Traditional Sales: These are sellers who have equity
intheirhomesandareusuallylookingtocloseescrow
in 30-45 days. When writing an offer on a traditional
sale you will usually negotiate directly with the seller
through their agent.
Short Sales: These are sellers who owe more than
what they can sell their home for and therefore
have to negotiate with their bank to receive a lesser
amount. Typically the negotiation process with the
bank can take four to six months to get an offer
approved and the price is subject to change during
this time. There is also a chance that the bank will
reject the seller’s request for a short sale and instead
foreclose on it.
Foreclosures: These are the homes which have
been foreclosed on and taken back by the bank, also
known as Real Estate Owned (REO) or bank owned.
Like the traditional sale the bank will want to close
escrow within 30 days upon accepting your offer.
The banks are motivated to sell these homes quickly
and will typically price them slightly below market
value to get multiple offers and create a bidding war
to drive the price up. Even though you may pay over
the asking price, these can still be a great value.
When Writing an Offer
Here are some things to consider to ensure your offer
gets accepted:
What type of sale is it?
• Traditional sale, short sale, foreclosure?
Is it priced right for the market?
• What is the buyer activity?
• Are there offers on the home?
• What other homes are for sale in the
neighborhood?
• What has sold recently in the area?
• How long has it been on the market?
What is the seller’s motivation?
• Are they price driven or are there other terms that
are more important to them?
• How long of an escrow are they looking for?
Do you need concessions for closing costs?
• Closing costs such as title, escrow, and lender fees
usually cost around two to three percent of the
sales price.
Are there multiple offers on the property?
• This is not uncommon for homes priced right
for the market, in great condition, and in a good
location.
• Often times the seller will ask for your “highest
& best” offer. In other words, what is the highest
price you will offer, considering someone else
might out bid you, you would not have any regrets
because you gave it your best shot?

9
Technology Streamlines Your
Transaction with the Turner Team
Technology is
constantly moving
the real estate industry
forward.
We strive to adopt the
tools that will make your
transaction as smooth
as possible.
Therealestatetransactionisgettingcloser
and closer to being paperless. Electronic
signatures are widely accepted and allow
you to sign without printing, scanning,
or faxing. It doesn’t matter if one signer
is home and the other is on a business
trip. All signatures are collected by the
system and placed into one document no
matter who signs first. One of our clients
signed his accepted offer from 30,000 feet
on a cross country flight with WiFi and his
mobile phone!
Skype allows us to keep in touch anywhere in the
world with an Internet connection. We’ve helped
buyers and sellers close transactions
from as far away as England,
Singapore, and Taiwan.
We use Dropbox to manage all of our
paperless files to ensure we can quickly
access them wherever we are.

10
Home Warranty
➢ What is a home warranty?
A home warranty is a service contract that covers the repair or replacement of many of the most frequently
occurring breakdowns of home system components and appliances.
➢ Why do I need a home warranty?
While a home warranty is optional, it is highly recommended. Unexpected repair or replacement costs can
easily strain your budget. Plus, finding a qualified professional to solve your problem can be stressful and
inconvenient. A home warranty cannot prevent systems or appliances from breaking down, but it can help
make handling covered repairs or replacements easier and less costly.
➢ Types of coverage
Because all plans differ, you will need to ask specifically what is covered. We are happy to discuss with you the
different options and what best fits your needs.
➢ How do I acquire a home warranty?
A home warranty can be purchased by the buyer on your own, purchased by the seller while their home is on
the market, or negotiated during the sales agreement.
➢ Recommended Home Warranty Providers
American Home Shield
www.ahs.com
800.735.4663
Landmark Home Warranty
www.landmarkhw.com
866.306.2999
Old Republic Home Protection
www.orhp.com
800.445.6999

11
Dual Agency and Buyer Due Diligence
As a buyer, you want to pay the least amount of money and have the seller make the most amount
of repairs. As the seller you the most amount of money and to complete the fewest number of
repairs. The back pages of this guide contain the State of Oregon’s Agency Disclosure Pamphlet.
Disclosed dual agency is a real estate transaction where both the buyer and seller agree to be
represented by the listing agent. WE WON’T DO THAT. The Turner Team, Inc. will only participate
on behalf of one party in all non-institutional sales. Representing both sides is a conflict of interest.
If you hire us as your Realtors® you know that we have your best interests in mind.
The only time we will participate in a dual agency transaction is if the seller is a bank or other
entity. Banks are also exempt from property disclosures and their offer acceptance is “as-is”. In
the bank owned sales that we list, we are the conduit for the flow of information. Your decision
whether to buy or not is based on the bank’s terms and the due diligence that is performed
during the inspection period and other contingencies.
The Earnest Money Agreement [the offer] paperwork contains contingencies that are mostly
in favor of the buyer. Most contingencies expire after a set time and are considered accepted
unless action is taken to reject them. Each contingency allows you to review the information
provided by the seller, the title company, inspections, and other sources of due diligence during
that contingency’s time frame. Rather than“Buyer Beware”we strive to make it“Buyer Be Aware”
so that you know you are making the best decisions for your situation. If you back out of a
transaction based on a contingency you would be entitled to have your earnest money returned.
If you simply change your mind and don’t want to buy the property your earnest money could be
forfeited to the seller. In all instances, both the buyer and seller must agree to what happens to
the earnest money in writing. As a seller, you are obligated to sell under the terms agreed upon
but do not have to make any concessions or repairs.
One of the best sources of public information about a specific property or address in Portland is
PortlandMaps.com. You can find everything from crime reports, building permits, and oil tank
records to your garbage collection schedule. The “Resources” page of our TurnerRealtor.com
website provides the links for other county’s websites and also to public school links.
The Oregon Association of Realtors® provides Buyer and Seller Advisories designed to assist
home buyers and sellers in meeting their obligation and/or to satisfy themselves as to the
condition and desirability of real property. Common issues that arise in Oregon real property
transactions are summarized in these Advisories, which can be found on their website:
www.oregonrealtors.org/resources/membership-resources/buyer-seller-advisories

12
Mortgage Brokers Recommended by
Past Clients
I am a native Oregonian and started my career in lending February 2,
1980. I learned early on that what clients want and certainly deserve is
straight forward honesty about the products that fit their needs and the
process they are entering into. Beyond that I am committed to ensure that
everyone I deal with has price clarity about the cost of doing business with me and I gladly
take the time to help borrowers compare offering from other lenders. While this may sound
simple, our rapidly changing business demands full attention and you can depend on my full
time commitment to overseeing all the details of your next real estate transaction.
Shane Musselwhite
Loan Officer - NMLS 249862
Office: 503.908.7116
Mobile: 503.705.8111
shanem@guildmortgage.net
www.guildmortgage.net/officers/
shanemusselwhite
Evan takes great pride in working individually with every
customer that the team serves. He brings his expertise as a
Certified Financial Planner™ to every loan application, educating
all customers on how the choices they make surrounding their mortgage will affect the rest
of their financial lives. Evan is a proud husband and father; he married Tina in 2006, and they
welcomed daughter Addie in 2010 and son Bennett in 2012. When Evan can find time away
from work, he enjoys being with his family, teeing it up on the golf course, and listening to his
vinyl record collection.
Evan Swanson, CFP ®
Mortgage Professional
NMLS #120856
Office: 503.282.5626 x4012
Mobile: 503.314.9959
evan@mortgage-trust.com
www.evanswanson.com
Kim Pentrack
Senior Mortgage Banker
Direct: 503.706.9077
Office: 503.617.3467
Kim.A.Pentrack@wellsfargo.com
www.wfhm.com/loans/kimberly-pentrack
I’m a native Oregonian and graduated from the University of Oregon’s
business school. I have been a Branch Manager for Wells Fargo Home
Mortgage since 2001. My team can help clients with a variety of home
financing needs including condo’s, renovation, investment, first time, move up, and second
homes. In addition, we specialize in new construction with long term locks, and Corporate
Relocations. Our goal is to offer you multiple options so you can make a well informed decision
that best meets your short and long term financial goals.
Hiring a great
mortgage professional
means access to a variety
of lenders and finding the
right loan options for your
specific needs.

13
Preparing for the Lender
• Full names of all purchasers as they are to appear on the title.
• Social security numbers of all purchasers.
• Present residence address for all purchasers and previous address for all purchasers going back two years.
• Home, office, cell phone numbers.
• Present Employer: Name, address and a contact person to send employment verification form.
• Explanation for any gap during two year employment history.
• Relocation letter for any transferees - giving date, salary, new location, and any relocation benefits.
• Previous Employer: Name, address, and a contact person, going back two years.
• Present Salary: Year-to-date pay stub and W-2s for last two years.
• If any variable income, commission, part-time income, bonus, overtime, interest income, etc., is being used to qualify:
Two years signed federal tax returns and W-2s and/or 1099s.
• If self-employed: Two years signed federal individual and corporate returns (if applicable). Also a profit and loss
statement and balance sheet.
• Diploma or transcript if student during two year period.
• Rental Income: Copy of lease which is current and at least one year in length.
• Alimony and Child Support (only if used for qualification): Copy of divorce decree and property settlement (ratified)
setting out terms. Proof of payment will also be requested at application.
• Income from notes held: A copy of the ratified note.
• Retirement, Social Security, and Disability Income: Copy of award letter and latest check showing amount of present
payment. Copy of end of year statement if applicable.
• Bank Accounts: Name of bank, address, account numbers, types of accounts, and present balances. With checking,
use average balances.
• Copy of two most recent statements of all accounts.
• Stocks and Bonds: Copy of certificates or copy of recent (within 30 days) broker statement listing holdings.
• Life Insurance: Cash value, only if being used for down payment.
• Vehicles: Year, make, and value. Copy of title if under four years old with no outstanding lien.
• Real Estate: Address and market value. If free and clear, deed of release, deed or mortgage payoff.
• Present Home: Copy of sales contract, settlement sheet and/or lease.
• Gift Letter: Form will be provided by financial representative. Donor capacity must be verified. Receipt of funds must
be shown in account.
• Credit Cards: Account numbers and outstanding balances.
• Loans(Auto,Mortgage,Personal,Student,etc.):Nameofinstitution,address,accountnumbers,outstandingbalances,
monthly payments, and months left on loan. Copy of next payment coupon. 12 months of statements or canceled
checks for present mortgage.
• Alimony and Child Support: Copy of ratified decree and property settlement setting out terms.
• Certificate of Eligibility: To obtain, you will need a DD-214 (Separation of Service) or if in the service, you will need
a Statement of Service signed by a Commanding Officer or Personnel Officer (certificate must be updated prior to
application).
• If in the service, you will need an Authorization to Live Off Base (DD-1717 from the housing office) andTransfer Order
(if applicable).
PersonalEmploymentOtherIncomeAssetsLiabilitiesVALoans

14
Loan Process Do’s and Don’ts
Will Mortgage Pre-Approval
Hurt My Credit Score?
This is a very common myth. Getting preapproved
is 100% beneficial to you because it gives you the
confidence to write offers and prevent any heart
ache down the road. Good agents and smart sellers
will not even consider looking at a financed offer
without a preapproval letter.
All of the credit bureaus understand the complex
timing of getting a mortgage. Therefore, they have
instituted measures to avoid reflecting pre-approval
inquiries on credit reports.
There are certain “Dos and Don’ts” which may affect the outcome of your loan request. These remain in effect
before, during, and after loan approval, up until the time of settlement when your loan is funded and recorded.
Many times credit, income, and assets are verified the hour you have signed your final loan documents. Here is
a list you should comply with:
Don’t!
• Do anything that may alter your credit and risk
you obtaining your loan. Also, these things may
put you in default of your Sales Contract, put
your Escrow deposit at risk, and put you at risk
of being sued.
• Quit your job or change jobs. If this is likely,
consult your loan officer and call our office.
• Allow anyone to make an inquiry on your credit
report except your lender.
• Apply for credit anywhere else except with your
lender. This causes more “hits” on your credit
rating which can reduce your credit score.
• Change bank accounts or transfer money within
your existing accounts.
• Co-sign for anyone, for any reason, for anything.
• Purchase or attempt to purchase anything on
credit such as another car, truck, boat, furniture,
etc.
• Charge any abnormal amounts to your current
credit cards or credit lines.
• Send in late payments or incur late fees for
anything.
• Wait longer than the time-frame given per your
contract to provide all necessary paperwork and
information to your lender.
Do!
• Keep all accounts current, including mortgages, car
loans, credit cards, etc.
• Contact both your lender and your Realtor® anytime a
question arises.
• Make all payments on or before due dates on all
accounts, even if the account is being paid off with
your new loan.
• Have any lender-required money or funds to your loan
officer within seventy-two hours after home inspection
is complete.
• Return phone calls from your agent, loan officer,
settlement company or anyone else involved in your
transaction within two hours of a message.

15
Moving Checklist
4 Weeks to Go
❍❍ Call moving companies for a free
estimate. Cost will vary depending
on distance, weight, and optional
services.
❍❍ Look through your house to determine
items to be discarded or donated to
charity. Have a garage sale!
❍❍ Inform schools of transfer. Make
arrangements for enrollment/
registrationinnewschoolsifnecessary.
❍❍ Most homeowner’s policies do not
provideadequatecoverageformoving.
Check with your agent and consider
purchasing additional coverage from a
moving company.
❍❍ Begin collecting boxes with covers
if you plan to pack your belongings.
You can purchase packing materials
through moving companies or contact
local grocery stores for extra boxes. Be
sure to stock up on packing tape!
❍❍ Begin consuming perishable and
frozen food items to minimize waste.
3 Weeks to Go
❍❍ Begin packing!
❍❍ Notify the post office of your new
address and send change of address
cards to friends, family, subscriptions,
and any billing companies/credit
cards.
❍❍ Make necessary travel arrangements
including interim housing and car
rental. Be sure to record confirmation
numbers.
❍❍ Collect medical records and
prescriptions from physicians. Ask for
recommendations for doctors in your
new area.
❍❍ Place legal medical and insurance
records in a safe and accessible place.
2 Weeks to Go
❍❍ Arrange to disconnect utilities/
services in your current residence
and coordinate installation of
utilities/services in your new
home:
❑❑ Electric/Gas
❑❑ Water/Sewer/Trash
❑❑ Phone
❑❑ Cable
❑❑ Internet
❑❑ Other: __________________
❍❍ Close/transfer bank accounts
and open accounts in your new
city.
❍❍ Take pets to the vet for
immunizations. Ask for advice on
moving animals.
❍❍ Draw a map of your new home
and where the furniture will be
arranged.
❍❍ Return library books and any
borrowed items.
❍❍ Be sure to cancel newspaper
subscriptions and/or special
services you have (i.e.
landscaping/lawn service, snow
plow, etc.)
❍❍ Change your address with the
DMV for your vehicle registration
and your license.
1 Week to Go
❍❍ Prepare car for the trip. Check the
oil, tires, brakes, etc.
❍❍ Drain water from household
hoses.
❍❍ Drain gasoline and oil from any
lawn or power equipment.
❍❍ Remember to pick up items sent
to the cleaners or for repairs.
Final Days
❍❍ Defrostandcleanoutrefrigerator.
❍❍ Pack your luggage and separate
any items you will need in the
first days in your new home.
Label these boxes“Load Last”.
❍❍ Reconfirm travel arrangements.
❍❍ Reserve ample parking space
for the movers and provide clear
paths inside the house.
The Big Day!
❍❍ Be on hand to answer any
questions.
❍❍ Go over your inventory with the
driver.
❍❍ Be sure to point out all FRAGILE
items to the movers.
❍❍ Check, double check and triple
check to see if anything is left
behind!
❍❍ Do not leave the house until the
movers are gone.

16
Services You May Need
Real Estate Lawyers
Phil Querin
121 SW Salmon St, Ste 1100, Portland, OR 97204
503-471-1334
Richard A. Mario
5300 Meadows Rd, Ste 200, Lake Oswego, OR 97035
503-620-8900
Home Inspectors
Home Team Inspection Services » Mike Huppi
5890 SW 191st Ave, Aloha, OR 97007
503-530-8306
www.hometeam.com
Nickelsen Home Inspections, LLC » Kurt Nickelsen
7314 NE 58th Ave, Vancouver, WA 98661
360-907-9648
www.nickelsenhomeinspections.com
Pillar to Post » Scott Saari
1118 Lancaster Dr, #316, Salem, OR 97301
503-856-8775
www.scottsaari.pillartopost.com
Pillar to Post » Chris Livingston
10258 SW Stuart Ct, Portland, OR 97224
503-682-3053
www.portlandwestside.pillartopost.com
Superior Home Inspection » Troy Walton
12611 NE 7th Ave, Vancouver, WA 98685
360-571-4142
www.a-shi.com
Sewer Inspectors
Pipe Repair Services » Bill Schroeder
971-570-5452
Pest Management
Evergreen Pest Management
503-925-9752
www.nobugs4u.com
Home Stagers
Chancellor Designs » Ruth Chancellor
503-807-8167
www.chancellordesigns.com
Synergy Staging
503-557-2244
www.synergystaging.com
Electricians
Precision NW Electrical Contractors
» Mike McDonald
503-413-9870
Insurance
Farmers Insurance » Paul Rilatt
8196 SW Hall Blvd, Ste 217,
Beaverton, OR 97008
503-646-2300
www.farmersagent.com/prilatt
Pentrack Allstate Agency
» Todd Pentrack
4855 SE TV Highway
Hillsboro, OR. 97123
Radon / Oil / Mold / Lead
Alpha Environmental
11080 SW Allen Blvd, Ste 100, Beaverton, OR 97005
503-292-5346
www.alphaenvironmental.com
Handyman Services
Kyle Kuhlman
503-989-7517

17
Looking for a Home Inspector
(1 of 2)
Here’s What You Need to Know:
➢ Why should I get a home inspection?
Before purchasing a house, many people contract with a home inspector to objectively evaluate important aspects of
the home’s condition. A professional home inspector can spot existing defects and conditions that the seller may be
unaware of.
➢ What is a home inspection?
A home inspection is a general, visual examination of the current condition of the
house. An inspection report should cover the mechanical systems of the house:
interior plumbing, electric, heating and cooling, general interior, attic and
visible insulation, ventilation, siding, windows, doors, roofs, attached garages,
foundation, and visible structure. Features that are not part of the main
structure such as septic systems, wells, underground piping, and swimming
pools are usually not included. A Wood Destroying Organism Report (WDO),
sometimes called“a pest and dry rot”, may also be included.
Home inspectors will not move furniture, rugs, or other obstacles, nor will they
inspect areas which are inaccessible such as wall interiors, wet crawl spaces, and
steep or wet roofs.
➢ How do I find a qualified home inspector?
Consider finding your own home inspector. Don’t rely solely on the recommendation of the real estate agents involved
in your house purchase. Ask friends, co-workers, neighbors, or lender for recommendations.
➢ How do I check a home inspector’s qualifications?
Before signing a contract with a home inspector, check with the Oregon Construction Contractors Board (CCB) to make
sure the business is properly licensed, and has a certified home inspector employed. Anyone who performs home
inspections of two or more components: roof, plumbing system, electrical system, etc. must be certified with the CCB. A
licensed business is also insured and bonded, providing some financial protection if problems occur. To check a license,
certification, and complaint history, visit the CCB at www.oregon.gov/ccb or call the CCB at 503-378-4621.
Ask the home inspector if he/she belongs to a trade association. Trade associations require members to adhere to
standards of practice, a code of ethics, and industry-specific training.
Continued on Next Page
Keep in mind that
a home inspection is
an educated opinion, not a
warranty or guarantee that the
house is sound or that there
will never be any
problems.

18
Looking for a Home Inspector
(2 of 2)
➢ What else should I know?
You get what you pay for: Don’t automatically contract with the lowest-priced home inspection company. Consider
aspects such as cost, services provided, experience, and qualifications of the home inspector before deciding which
company meets your needs.
Ask questions: How does the company handle disputes–do they have an arbitration clause in their contract? What
items will the home inspection report include? (Reports must be written, but there is no standard format.)
A written contract is required for all home inspections: If there are problems later, a written contract will protect you.
Don’t sign the contract until you have read and understood everything in it. The Construction Contractors Board has
adopted Standards of Practice and Behavior which list what a home inspector must do and cannot do. If you and your
home inspection company agree that the home inspection will deviate from those standards, the changes must be
written into your contract.
Liability Clauses: Read the contract carefully. Home inspection businesses often include a clause in their contracts
which limits their liability amount to the cost of the inspection. This is a common practice that underscores the need for
buyers and sellers to find skilled, competent home inspectors.
Beclearaboutwhatisandisnotincludedinthehomeinspection: Youmayneedtocontractforaspecializedinspection
to check details such as asbestos, radon, lead-based paint, code compliance, mold, low-voltage wiring, etc.
It is important to be present at the home inspection: To discuss the home inspector’s findings, the current condition of
the house, and any minor or major repairs that may be needed.
Any business that does an inspection of two or more components of a house cannot, by law, perform repairs on the
house within twelve months of the home inspection. However, home inspectors who inspect only one detail of a home
(for example, the roof), may contract to perform repairs on the house.
Consider getting a second opinion: If the home inspector’s findings indicate needed repairs, get an opinion and an
estimate from another properly licensed contractor before deciding to buy the home.
Home inspectors should not give estimates of the home’s market value: Oregon certified home inspectors cannot
provide an opinion on or appraisal of the value of a house that he/she has inspected.
➢ What should I do if I have problems?
The Construction Contractors Board offers dispute resolution services for homeowners who use licensed home
inspection businesses.
Try to resolve the problem with the home inspection business first. If you cannot come to an agreement, download a
complaint form from CCB’s website at www.oregon.gov/ccb (click on Consumer Help or Dispute Resolution). You can
also call the CCB at 503-378-4621 to obtain a complaint packet or to ask further questions.
If you had a contract with the home inspection business, you may file a complaint as long as you do so within a year of
the home inspection.

19
Buying a Short Sale
“Short Sale”is used to refer to those real estate transactions in which the agreed-upon purchase price is insufficient
to pay off all of the secured debt on the property (such as mortgages, trust deeds, state/federal income taxes,
liens, property taxes or other local assessments) including the costs of closing, such as escrow and recording fees,
title insurance premiums, real estate commissions, etc.
As the buyer of a short sale, patience is often the most important component to a successful sale. When the seller
accepts your offer it is sent to the bank(s) for approval. That process can take months and still does not guarantee
the transaction will close. The contingencies in your offer begin with notification of short sale approval. That’s
when your earnest money must be deposited and the inspection period and other contingency time frames
begin.
Do you want to fall in love?
If you do, a short sale may not be the
best home for you. The process can
take months and there are lots of
things that can go wrong during the
transaction that you have no control
over.
Short sales are best for those that
have no time contraints on making
a purchase and that will not be
crushed if the transaction falls apart.
When you are looking at property
online, short sales that are awaiting
bank approval are catagorized as
“Short Sale Pending” (SSP) and
will show as available. When bank
approval is received the property
goes“Sale Pending”and will drop off
of property search results.

20
Buying a Bank-Owned Property
(1 of 2)
What price does the bank (seller) want for the property?
The same as if a private seller was listing their home. They want the listing price or better.
How did the seller come up with their listing price?
The sellers typically try to determine fair market value through a combination of Broker Price Opinions and
appraisals on the property. The condition of the property was also taken into consideration.
How do I place an offer for the property?
All offers must have either a pre-qualification letter or proof of funds attached to them. A pre-
qualification letter can be obtained by going to a direct lender. Proof of funds can be a bank statement
showing the balance in the account exceeds the offer amount or a statement from a securities company.
A prequalification letter must be current and contain the following information:
• Borrower’s name • Borrower’s lending limit • Lender’s name • Lender’s address
• Loan Officer’s name • Loan officer’s direct phone and fax numbers.
Once you have obtained proof of funds or a pre-qualification letter, then you should begin looking at
houses.
What should I offer for the property?
You should make an offer that feels comfortable to you. However, if you are going to submit an offer substantially
below the list price, be prepared that you may:
1. be outbid by other prospective buyers;
2. need to wait an extended amount of time for a seller’s answer; or
3. be forced to look for a different property if your offer is not accepted.
Will the seller look at more than one offer?
YES. And the seller will not consider a property under contract until the seller has signed all contract
forms and addendums. (They will not do this until the buyer has signed all of these forms first.)
Therefore, if you make an offer on a property and receive seller addendums back, you need to review
and (if you agree to the terms) sign them immediately and return them. (Never cross out or make
changes on the seller addendums unless you are willing to have the seller treat such changes as a
counter offer that can result in your offer subsequently being rejected by the seller.)
Will the seller make repairs?
Most foreclosures are sold “AS IS, NO DISCLOSURES.” This means the property is offered “as is,” without repairs or
upgrades. The seller has already reduced the price of the property for any damages or needed repairs, which are
reflected in the listing price. As for“No Disclosures,”the seller cannot provide disclosures because typically the seller
has not personally seen the home to have knowledge of its condition.
Foreclosure sellers generally rely on what the listing agent and appraiser have seen.

21
Buying a Bank-Owned Property
(2 of 2)
When will the seller respond to my offer?
Response times on an offer can vary from just a few days, to much longer.
Will the seller accept contingencies or a Lease/Purchase?
No. Contingency and lease/purchase offers are generally not accepted on foreclosed properties.
Does the seller have any special forms?
Most sellers do have what they call“special addendums.” These forms vary from lender to lender. The addendums
supersede the original purchase and sale agreement and become part of the purchase and sale agreement. Most
of these forms have a few items that the buyer must pay close attention to, such as per diem charges, inspection
periods, closing costs, and earnest money requirements.
Should I get a home inspection?
Yes. A thorough home inspector can provide the buyer with valuable information.
Will the seller allow for an inspection period?
Typically, yes. This inspection period is normally 10 days long. It is designed so that the buyer can have a home
inspection, termite inspection, septic inspection, survey (if desired) and appraisal completed. An appraisal is part
of the inspection period.
The inspection is not designed to allow the contract to be re-negotiated. Generally this will kill the transaction if
the buyer attempts this.The seller will not activate utilities if the condition of the property is deemed unsafe. Ask
the listing agent for more information.
Can my agent provide me a home inspection?
No. A home inspection can only be performed by someone associated with ASHI (American Society of Home
Inspectors) or NACHI (National Association of Certified Home Inspectors).
Will the seller pay my loan closing costs?
Closing costs, along with other aspects of the transaction, are subject to negotiation.
Does the seller accept FHA?
This depends on the seller and the condition of the property.
Will the seller finance the property?
This depends on the lender. If they do, it will be advertised as such.

22
What Our Clients Have to Say
««««« Highly Likely to Recommend
05/08/2014 - Brian Haines
Bought a Single Family home in 2014 for approximately $250K in Hillsboro, OR.
Local knowledge: ««««« Process expertise: «««««
Responsiveness: ««««« Negotiation skills: «««««
We had a two year relationship with the turners (Jenny). When our first
home fell through on our end, Jenny picked us up and kept us moving.
When we were finally able to work it out, she was there with the perfect
home - the first one she took us to!
We cannot recommend the Turners highly enough.
Brian & Wendi
04/27/2014 - aaliyar
Bought a home in 2014.
Jenny is amazing. She is personable, knowledgeable, and trust worthy.
She never wasted our time and was very patient with us. There were
several bids for our house and she helped us be the chosen ones, without
us exceeding our comfort zone with price. She would get back to us
quickly with any concerns and more on top of everything than we could
ever be. This is the third time we’ve bought a home and definitely the
best experience we’ve had.
01/14/2014 - widmer
Sold a home in 2013.
Jenny Turner is absolutely fantastic at her job. All you would ever ask for
in a realtor is for someone to be on your side and to help you uncover
the questions you may not know, work with complete transparency and
integrity but most of all be a team player. We have worked with Jenny
several times for many different transactions and will continue to do so
and will refer her on to those we trust.
04/25/2014 - user02520706
Jenny and Charles (and the rest of their team) are wonderful to work with.
Jenny was great at digging in and advising us throughout the process.
She seemed knowledgeable of the market and candid and honest when
we needed her to be. Jenny, Charles and the rest of the team were flexible
and timely through out the process.
04/25/2014 - westphal1738
Bought a Single Family Home in 2014 in Tualatin, OR.
Jenny was a super star! She was very knowledgeable, narrowed down our
choices and facilitated and advised all along the way. She was punctual,
organized and very personable. I would recommend Jenny highly.
01/15/2014 - cwhite6
Our lake front home had been listed for about a year with another agent
who was unsuccessful in selling it. We listed with the Turner team and
they had our home sold in just a couple of months. They are professional,
positive, and a pleasure to work with. Our phone calls were always
quickly returned and they were open to any and all questions. We would
definitely work with them again and recommend them to friends. Rick
and Cheryl White
01/15/2014 - jidabug
Jenny made every step of the process smooth and easy. When it came to
looking at properties, she listened to our requirements and dreams, and
encouraged us to look at an area we hadn’t considered...and wound up
buying in. We bought our new house before putting our old one on the
market, which was pretty daunting, but Jenny marketed it wonderfully,
and it sold in a week with two offers! We couldn’t be happier with the
service we received.
01/14/2014 - marascojj
Sold a Single Family Home in 2013 for approximately $400K in Wilsonville, OR.
Jenny is fantastic at what she does. I have used her services to both
purchase and sell my homes and she never disappoints. It seems like
she is available 24-7 and she does everything with a smile. Jenny is
knowledgeable, professional, fun, understanding and precise. She has
a ton of connections and all of them love her! I will always refer her to
friends and family. If you need an agent, pick up your phone and enjoy
the ride. Thanks Jenny!

23
What Our Clients Have to Say
01/15/2014 - audramclain
Sold a Single Family home in 2013 for approximatley $550K in Grant Park, Portland, OR.
Jenny is very knowledgeable and so helpful at guiding us through the
selling and negotiating process. She was always there to talk through
options and help get needed tasks done.
01/14/2014 - mmikeb182
Sold a Single Family home in 2013 for approximately $475K in Oregon City, OR.
We were so pleased with the support we got from Jenny throughout our
selling and purchasing process! With her insight, we had 5 great offers in
the first 2 days. With staging help, pricing advice and fantastic marketing,
we ended up with a bidding war. When it came time to buy a new house,
Jenny was great about helping us think through what we needed and
was so quick at responding to questions and requests. Our favorite line
throughout the process was,“Jenny will know!”and she always did!
01/14/2014 - allie lorenzen
Bought a Single Family home in 2013 for approximately $325K in West Linn, OR.
We bought our home in Oregon while living out of state.TheTurnerTeam
was very accommodating to our less-than-ideal time frames. When we
flew to OR, The Turner Team had developed a time-saving driving route
of all the homes we had requested to see (along with other new listings
that fell under our pricing and priorities). Because we have two small
children, schools were an important part of our decision-making process.
They were knowledgeable about local schools. As we were relatively new
to the home-buying process, they were informative then hands-off so we
could rank our must-haves in a home as a couple. I really appreciated their
helpful, yet non-pushy approach. They were quick to move documents
along to meet our move-in goals.We would recommend theTurnerTeam
to anyone and already have!
01/14/2014 - Ryan Ferris
I’ve worked with Jenny twice now when buying a home and once in
selling a home. She is very responsive and detail oriented. I can’t say
enough about how good she is at making you feel like you’re her only
customer when that’s far from the case. I recommend her to anyone
buying or selling a home in the Portland area!
12/17/2013 - kerryltong
Bought a Single Family home in 2013 for approximately $325K in Portland, OR.
We were purchasing a house from overseas and Charles and Jenny
helped us as we processed through multiple homes until we found the
right one for us. They were accessible at our odd hours, sent us videos as
well as information and were very easy to work with. If we buy another
home in the area I would definitely use them again!!
07/26/2013 - user0329862
We have worked with Charles and Jenny on two property acquisitions.
Both properties had some unique challenges, and in both cases the
navigation and assistance provided by Charles and Jenny were superb.
I highly recommend this team and hope I have the chance to work with
them again!
05/23/2013 - user50568
Sold a Single Family home in 2012 in Silverton, OR.
Jenny Turner is by far the best realtor we have ever worked with. She
represented us in selling our home as well as purchasing our new home.
With her experience and knowledge she had our house sold to the first
family that walked through it! We never dreamed our house would sell
that fast since our neighbors house had been for sale for a year and was
very similar to ours. Needless to say we were very happy.
Jenny also spent several months going from house to house looking for
our dream home. With her patience and dedication she found us the
perfect home for our family. With her negotiation skills she got us a great
price as well as the extras we wanted! We couldn’t be happier with the
Turner Team!
05/22/2013 - user7400373
Sold a Single Family home in 2013 for approximately $150K in Portland, OR.
Jenny met our four “P’s” of an outstanding broker; punctuality,
professionalism, price, and piece of mind. Jenny and her team are a 12
and above on a scale of 1-10. She worked with us on finding the best
selling price for our home. As a result, our home sold in one day. We
obviously had a great experience working with Jenny, and would highly
recommend her.
See all of our reviews at www.zillow.com/profile/TurnerRealtors/Reviews

24
Oregon Real Estate Agency
Disclosure Pamphlet (1 of 2)
Consumers: This pamphlet describes the legal obligations of real estate licensees in Oregon. Real estate brokers and principal real estate
brokers are required to provide this information to you when they first meet you.
This pamphlet is informational only. Neither the pamphlet nor its delivery to you may be interpreted as evidence of intent to create an
agency relationship between you and a broker or a principal broker.
Real Estate Agency Relationships
An “agency” relationship is a voluntary legal relationship in which a
licensed real estate broker or principal broker (the “agent”) agrees to act
on behalf of a buyer or a seller (the “client”) in a real estate transaction.
Oregon law provides for three types of agency relationships between real
estate agents and their clients:
• Seller’s Agent: Represents the seller only.
• Buyer’s Agent: Represents the buyer only.
• Disclosed Limited Agent: Represents both the buyer and seller,
or multiple buyers who want to purchase the same property.
This can be done only with the written permission of all clients.
The actual agency relationships between the seller, buyer and their agents
in a real estate transaction must be acknowledged at the time an offer to
purchase is made. Please read this pamphlet carefully before entering into
an agency relationship with a real estate agent.
Definition of“Confidential Information”
Generally, licensees must maintain confidential information about their
clients. “Confidential information” is information communicated to a real
estate licensee or the licensee’s agent by the buyer or seller of one to four
residential units regarding the real property transaction, including but
not limited to price, terms, financial qualifications or motivation to buy or
sell.“Confidential information”does not mean information that:
a. The buyer instructs the licensee or the licensee’s agent to
disclose about the buyer to the seller, or the seller instructs the
licensee or the licensee’s agent to disclose about the seller to
the buyer; and
b. The licensee or the licensee’s agent knows or should know
failure to disclose would constitute fraudulent representation.
Duties and Responsibilities of a Seller’s Agent
Under a written listing agreement to sell
property, an agent represents only the seller
unless the seller agrees in writing to allow the
agent to also represent the buyer.
An agent who represents only the seller owes
the following affirmative duties to the seller,
the other parties and the other parties’ agents
involved in a real estate transaction:
1. To deal honestly and in good faith;
2. To present all written offers, notices
and other communications to and
from the parties in a timely manner
without regard to whether the
property is subject to a contract for
sale or the buyer is already a party to a
contract to purchase; and
3. To disclose material facts known by
the agent and not apparent or readily
ascertainable to a party.
A seller’s agent owes the seller the following
affirmative duties:
1. To exercise reasonable care and
diligence;
2. To account in a timely manner for
money and property received from or
on behalf of the seller;
3. To be loyal to the seller by not taking
action that is adverse or detrimental
to the seller’s interest in a transaction;
4. To disclose in a timely manner to the
seller any conflict of interest, existing
or contemplated;
5. To advise the seller to seek expert
advice on matters related to the
transaction that are beyond the
agent’s expertise;
6. To maintain confidential information
from or about the seller except
under subpoena or court order,
even after termination of the agency
relationship; and
7. Unless agreed otherwise in writing, to
make a continuous, good faith effort
to find a buyer for the property, except
that a seller’s agent is not required to
seek additional offers to purchase the
property while the property is subject
to a contract for sale.
None of these affirmative duties of an agent may
be waived, except (7).The affirmative duty listed
in (7) can only be waived by written agreement
between seller and agent.
Under Oregon law, a seller’s agent may show
properties owned by another seller to a
prospective buyer and may list competing
properties for sale without breaching any
affirmative duty to the seller.
Unless agreed to in writing, an agent has no
duty to investigate matters that are outside the
scope of the agent’s expertise, including but
not limited to investigation of the condition
of property, the legal status of the title or the
seller’s past conformance with law.

25
Oregon Real Estate Agency
Disclosure Pamphlet (2 of 2)
Duties and Responsibilities of a Buyer’s Agent
An agent, other than the seller’s agent, may agree to
act as the buyer’s agent only. The buyer’s agent is not
representing the seller, even if the buyer’s agent is receiving
compensation for services rendered, either in full or in part,
from the seller or through the seller’s agent.
An agent who represents only the buyer owes the following
affirmative duties to the buyer, the other parties and the
other parties’agents involved in a real estate transaction:
1. To deal honestly and in good faith;
2. To present all written offers, notices and other
communications to and from the parties in a
timely manner without regard to whether the
property is subject to a contract for sale or the
buyer is already a party to a contract to purchase;
and
3. To disclose material facts known by the agent and
not apparent or readily ascertainable to a party.
A buyer’s agent owes the buyer the following affirmative
duties:
1. To exercise reasonable care and diligence;
2. To account in a timely manner for money and
property received from or on behalf of the buyer;
3. To be loyal to the buyer by not taking action that
is adverse or detrimental to the buyer’s interest in
a transaction;
4. To disclose in a timely manner to the buyer any
conflict of interest, existing or contemplated;
5. To advise the buyer to seek expert advice on
matters related to the transaction that are
beyond the agent’s expertise;
6. To maintain confidential information from or
about the buyer except under subpoena or
court order, even after termination of the agency
relationship; and
7. Unless agreed otherwise in writing, to make a
continuous, good faith effort to find property
for the buyer, except that a buyer’s agent is not
required to seek additional properties for the
buyer while the buyer is subject to a contract for
purchase.
None of these affirmative duties of an agent may be
waived, except (7).The affirmative duty listed in (7) can only
be waived by written agreement between seller and agent.
Under Oregon law, a buyer’s agent may show properties in
which the buyer is interested to other prospective buyers
without breaching an affirmative duty to the buyer.
Unless agreed to in writing, an agent has no duty to
investigate matters that are outside the scope of the
agent’s expertise, including but not limited to investigation
of the condition of property, the legal status of the title or
the seller’s past conformance with law.
Duties and Responsibilities of an Agent Who Represents More than
One Client in a Transaction
One agent may represent both the seller and the buyer in the same transaction,
or multiple buyers who want to purchase the same property, only under a written
“Disclosed Limited Agency Agreement”signed by the seller and buyer(s).
Disclosed Limited Agents have the following duties to their clients:
1. To the seller, the duties listed above for a seller’s agent;
2. To the buyer, the duties listed above for a buyer’s agent; and
3. To both buyer and seller, except with express written permission of the
respective person, the duty not to disclose to the other person:
a. That the seller will accept a price lower or terms less favorable than
the listing price or terms;
b. That the buyer will pay a price greater or terms more favorable than
the offering price or terms; or
c. Confidential information as defined above.
Unless agreed to in writing, an agent has no duty to investigate matters that are
outside the scope of the agent’s expertise.
When different agents associated with the same principal broker (a real estate
licensee who supervises other agents) establish agency relationships with
different parties to the same transaction, only the principal broker will act as a
Disclosed Limited Agent for both the buyer and seller. The other agents continue
to represent only the party with whom the agents have already established an
agency relationship unless all parties agree otherwise in writing. The principal real
estate broker and the real estate licensees representing either seller or buyer shall
owe the following duties to the seller and buyer:
1. To disclose a conflict of interest in writing to all parties;
2. To take no action that is adverse or detrimental to either party’s interest
in the transaction; and
3. To obey the lawful instructions of both parties.
No matter whom they represent, an agent must disclose information the agent
knows or should know that failure to disclose would constitute fraudulent
misrepresentation.
You
are encouraged
to discuss the above
information with the licensee
delivering this pamphlet to you. If
you intend for that licensee, or any other
Oregon real estate licensee, to represent you
as a Seller’s Agent, Buyer’s Agent, or Disclosed
Limited Agent, you should have a specific
discussion with the agent about the nature and
scope of the agency relationship. Whether
you are a buyer or seller, you cannot make a
licensee your agent without the licensee’s
knowledge and consent, and an agent
cannot make you a client without
your knowledge and
consent.

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