A real estate referral closing checklist should preserve continuity without turning the referring agent into the lender, closer, attorney, or decision-maker. With the client’s consent, transfer the exact contract and lender status, seller-credit question, cash-to-close source, decision dates, unresolved property items, verified receiving professional, and next action. Keep sensitive documents in approved channels and label unavailable information as unavailable—not complete or zero.
Confirm consent, scope, and the receiver
Record what the client authorizes you to share, the purpose, the approved channel, and the receiving person. Verify the Nevada license and brokerage through the Nevada Real Estate Division. Document the receiver’s acceptance, role, geography, next action, response time, and any work that remains with the referring brokerage.
Transfer the exact transaction status
Use precise labels: touring, offer drafted, under contract, inspection open, appraisal pending, conditional loan approval, Closing Disclosure received, signing scheduled, funded, or recorded. Do not compress these into “approved” or “closed.” Include the source and timestamp for each status and identify who owns the next confirmation.
Carry credits and cash-to-close questions
If a seller credit or specific seller-paid cost is involved, transfer the signed contract term, latest lender treatment, unresolved cap or eligibility question, and expected Closing Disclosure line. Do not forward a payment, bank statement, wiring instruction, or sensitive lender document unless the client authorizes it and the secure channel and recipient are verified.
Protect dates and verification channels
List inspection, appraisal, financing, document, signing, funding, recording, possession, moving, and follow-up dates separately. For any change to payment or wiring instructions, use known verified contact information rather than replying to the message that announced the change. A scheduled signing is not funding, and funding is not public recording.
Close the referral loop after evidence
Ask the receiving professional to confirm the outcome appropriate to the referral agreement: accepted client, active representation, contract, closing, fee condition, or another agreed milestone. Preserve the minimum necessary evidence, update Sierra Interactive as the system of record where authorized, and schedule the client follow-up without exposing private transaction data.
FAQ
Should the referring agent verify a seller credit?
The referring agent should preserve the authorized contract fact and route the question to the receiving agent, lender, and settlement professional. Do not independently promise that the credit is usable or final.
When is a referred transaction closed?
Treat signing, funding, recording, possession, and fee processing as separate states. Use the evidence required by the referral agreement and responsible professionals rather than assuming one event proves all others.
What private information belongs in the handoff?
Only the information the client authorizes and the receiver needs. Use secure approved channels for sensitive financial, identity, lender, or settlement documents and avoid unnecessary copies.
Primary sources and limits
- Consumer Financial Protection Bureau, Closing Disclosure explainer
- Consumer Financial Protection Bureau, mortgage closing process
- Consumer Financial Protection Bureau, TILA-RESPA Integrated Disclosure FAQs
- Nevada Real Estate Division, License Lookup
General education only. A listing, advertisement, market report, offer, concession, seller credit, lender credit, repair credit, contract, Loan Estimate, Closing Disclosure, settlement statement, qualified-intermediary instruction, referral note, or article does not by itself establish affordability, loan approval, appraisal support, property condition, repair completion, insurance availability, contract rights, final cash to close, seller net, tax treatment, exchange qualification, license status, funding, recording, possession, or closing. Verify the exact parties, property, contract, loan program, lender limits, charges, credits, prorations, deposits, repairs, title, insurance, taxes, assessments, escrow, funding source, settlement statement, exchange structure, taxpayer, use, qualified-intermediary instructions, deadlines, receiving license, secure communication channel, and closing evidence with the responsible licensed real-estate professionals, lender, settlement or title professionals, insurer, qualified intermediary, CPA, attorney, tax adviser, and other qualified professionals as appropriate. No individualized legal, tax, lending, insurance, securities, appraisal, inspection, fair-housing, or investment advice is provided.
Related: building a complete referral handoff, verifying identity and payment changes, contact You Decide Referral.