Real Estate — Transaction & Fair-Housing Checklist

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.

Industry front door for checklist. 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 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

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Part of deciqAI Knowledge Skills — 223 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/c/realtor-transaction-fair-housing-checklist · ⭐ Star the repo → https://github.com/deciqAI/knowledge-skills · Contributions welcome.