---
name: realtor-transaction-fair-housing-checklist
description: "Activate when: a real estate agent is running a listing/transaction and must not skip disclosure, agency, and fair-housing steps; 'what do I need to disclose', writing an ad, handling an offer, closing coordination. Do NOT activate when: the question is pure market/pricing analysis with no compliance step."
---

# Real Estate — Transaction & Fair-Housing Checklist

> **Industry front door for [checklist](../checklist/SKILL.md).** Adds domain triggers, example, packs. Parent Process unchanged.
> **Not legal advice.** Verify against current federal Fair Housing Act, state agency-disclosure, and your brokerage/MLS rules.

**Activate when:** taking a listing; writing marketing copy; presenting offers; coordinating to close; onboarding a new agent's process.
**Do NOT activate when:** running a CMA with no compliance action.

## Why this variant
The parent [checklist](../checklist/SKILL.md) is a must-not-skip gate. A real estate transaction has legally required, penalty-backed steps (agency disclosure, material-defect disclosure, fair-housing) that are easy to skip under deal pressure. This maps them onto the gate.

## Domain inputs → the checklist gate
- **Agency disclosure**: relationship (buyer/seller/dual) disclosed and documented per state rules.
- **Fair housing**: no steering/discrimination on protected classes; advertising language compliant (describe the property, not the buyer). *Gate: any ad copy referencing who "should" live there fails — rewrite.*
- **Material defect / property disclosures**: seller disclosures complete; known defects not concealed.
- **Deadlines**: inspection, financing, appraisal, and closing contingency dates tracked (feed a deadline agent).
- **Earnest money / trust handling** per brokerage + state rules.

## Worked example
Draft listing says "perfect for a young family near great churches."
→ Fair-housing gate fails (familial status + religion steering). Rewrite to property features only ("3BR near parks and schools"). Catch before publish.

## Compliance anchors
- Fair Housing Act (protected classes); state agency-disclosure statutes; property-disclosure laws; RESPA where applicable.

## Packs
- **Solo agent**: per-listing compliance card (agency/fair-housing/disclosure/dates).
- **Brokerage/team**: ad-copy fair-housing screen + transaction-deadline tracker.

## Red flags
- Ad copy describing the ideal buyer.
- Agency relationship undisclosed/late.
- Known defects omitted; contingency dates untracked.

## Verification
- [ ] Agency relationship disclosed & documented
- [ ] Advertising fair-housing compliant (property, not people)
- [ ] Seller/property disclosures complete
- [ ] Contingency + closing dates tracked
- [ ] Earnest money handled per rules

---
*Part of **deciqAI Knowledge Skills** — 225 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. **See it run → https://www.deciqai.com/s/realtor-transaction-fair-housing-checklist** · Built by deciqAI · github.com/deciqAI · Contributions welcome.*