Know what you are signing
Several documents can arrive early in a search. They do different jobs. Ask what each one means before treating it as a routine signature.
Agency disclosure explains representation
New York’s agency disclosure form explains whom an agent represents; the form states that it is not a contract. A seller’s agent represents the seller’s interests. A buyer’s agent represents the buyer’s interests under the applicable relationship and agreement.
Dual agency involves representation of both parties and requires informed written consent. It limits the full range of duties the agent can provide. Ask the broker to explain any proposed dual agency or designated-agent arrangement before agreeing. A broker’s agent has a specific role under New York law; the term does not simply mean a neutral helper.
A buyer agreement sets working terms
A representation agreement is separate from the disclosure. Read the services, dates, area or properties covered, compensation, exclusivity, and cancellation language. Ask how a payment from the seller affects your obligation and what happens if it does not cover the agreed fee.
Under the NAR practice changes, covered MLS participants working with buyers must obtain a written agreement before touring a home together, including a live virtual tour. Attending an open house on your own is a different situation. Discuss your arrangements with the agent before scheduling.
Separate disclosures from promises
A fair housing notice, property disclosure, loan document, offer, and purchase contract each have a different purpose. Receiving a seller’s statement does not replace an inspection or records review. Signing an acknowledgment is not always the same as agreeing to hire someone, but do not assume all early paperwork is harmless.
For every document, ask: Who is providing it? What am I acknowledging or agreeing to? Does it create a fee, deadline, or consent? Who can explain a provision I do not understand? Have your attorney review legal questions before you commit.
Keep one organized record
Save the complete signed version and its attachments. Track the document date, parties, important deadlines, and any follow-up. Keep later amendments with the original rather than relying on a text-message description of what changed.
Make sure everyone is working from the same current version. If a term is important enough to affect your decision, ask the appropriate professional to document it properly. A verbal reassurance does not replace the actual language you signed.
Before signing, be able to explain in plain language what the document does and what it could require of you.
Your next step
Use page 6 of the workbook to record:
- Document name, provider, and purpose
- Dates, fees, consent, or obligations it creates
- Questions for agent, broker, lender, or attorney
- Signed copy saved and any next deadline recorded
Further reading
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I work with buyers across western and central Suffolk County. Bring your questions, whether you are planning ahead or already looking.
Ask Tom a questionHow I help buyersEducational guidance by Thomas Brady, Licensed Associate Real Estate Broker, Vintage American Realty, LLC. Updated September 11, 2026. Your lender, attorney, insurer, and other qualified professionals should confirm the requirements for your purchase.