Key Professionals

REALTOR®REALTOR®
A REALTOR®
is a licensed real estate 
agent and a member of the National 
Association of REALTORS®. They also 
belong to their state and local Association 
of REALTORS®. When looking for a 
REALTOR®, the best place to start is by 
asking friends and neighbors for referrals. 
Another resource is the Find a REALTOR®
search feature on the National Association 
of REALTORS® (NAR) website.
 
Real Estate Agent
A real estate agent is licensed by the 
state to represent parties in the transfer 
of property. Every REALTOR® is a real 
estate agent, but not every real estate 
agent has the professional designation 
of a REALTOR®.
 
Listing Agent
A listing agent or broker forms a legal 
relationship with the homeowner to sell 
the property.
 
Buyer’s Agent
A buyer’s agent or broker works with the 
buyer to locate a suitable property and 
negotiate a successful home purchase.
 
Home Inspector
A home inspector objectively 
and independently provides a 
comprehensive analysis of a home’s 
major systems and components.
 
Loan Officer
A loan officer is a representative of 
a bank or other financial institution. 
They help customers identify their 
borrowing options and help them 
understand the terms of their loan.
 
Appraiser
An appraiser works on behalf of 
a lender and provides a market 
analysis of the subject property. 
An appraiser’s finding is subjective 
and combined with market findings 
of sold properties within the 
surrounding neighborhood.
 
Insurance Agent
An insurance agent helps a 
homebuyer determine the 
homeowner’s protection coverage 
needed and then finds the right 
insurance policy to fit those needs.
 
Real Estate Attorney
A real estate attorney can give 
advice on all legal aspects of the 
real estate transaction. Additionally, 
they are able to draft and review 
contracts, help decide how to take 
title and assist with the closing 
process. In some states, real estate 
closings can only be conducted 
by attorneys.
 
Escrow/Closing Officer
An escrow or closing officer is a 
non-biased third party who works with 
all participants to facilitate a successful 
closing of a real estate transaction. 
At closing, the closing officer will 
collect the purchase money funds from 
the buyer and lender as well as the 
settlement costs from each party. They 
disburse the funds in accordance with 
the HUD-1 settlement statement and 
record the necessary documents to 
transfer ownership of the property.
 
Title Company
Our thorough title searches, title 
clearance and title insurance policies 
help to produce clear property titles 
and enable the efficient transfer of real 
estate. 
A REALTOR® is a licensed real estate 
agent and a member of the National 
Association of REALTORS®. They also 
belong to their state and local Association 
of REALTORS®. When looking for a 
REALTOR®, the best place to start is by 
asking friends and neighbors for referrals. 
Another resource is the Find a REALTOR®
search feature on the National Association 
of REALTORS® (NAR) website.
Real Estate Agent
A real estate agent is licensed by the 
state to represent parties in the transfer 
of property. Every REALTOR® is a real 
estate agent, but not every real estate 
agent has the professional designation 
of a REALTOR®.
Listing Agent
A listing agent or broker forms a legal 
relationship with the homeowner to sell 
the property.
Buyer’s Agent
A buyer’s agent or broker works with the 
buyer to locate a suitable property and 
negotiate a successful home purchase.
Home Inspector
A home inspector objectively 
and independently provides a 
comprehensive analysis of a home’s 
major systems and components.
Loan Officer
A loan officer is a representative of 
a bank or other financial institution. 
They help customers identify their 
borrowing options and help them 
understand the terms of their loan.
Appraiser
An appraiser works on behalf of 
a lender and provides a market 
analysis of the subject property. 
An appraiser’s finding is subjective 
and combined with market findings 
of sold properties within the 
surrounding neighborhood.
Insurance Agent
An insurance agent helps a 
homebuyer determine the 
homeowner’s protection coverage 
needed and then finds the right 
insurance policy to fit those needs.
Real Estate Attorney
A real estate attorney can give 
advice on all legal aspects of the 
real estate transaction. Additionally, 
they are able to draft and review 
contracts, help decide how to take 
title and assist with the closing 
process. In some states, real estate 
closings can only be conducted 
by attorneys.
Escrow/Closing Officer
An escrow or closing officer is a 
non-biased third party who works with 
all participants to facilitate a successful 
closing of a real estate transaction. 
At closing, the closing officer will 
collect the purchase money funds from 
the buyer and lender as well as the 
settlement costs from each party. They 
disburse the funds in accordance with 
the HUD-1 settlement statement and 
record the necessary documents to 
transfer ownership of the property.
Title Company
Our thorough title searches, title 
clearance and title insurance policies 
help to produce clear property titles 
and enable the efficient transfer of real 
estate.