Behind the Scenes: Who’s Involved in a Real Estate Transaction?

Buying or selling a home might feel like a simple exchange between a buyer, a seller, and their agents. But in reality, it takes an entire team of professionals working together to get you to the closing table. On average, 15 to 25 people touch a single transaction from start to finish.

That's why it's critical to have the right Realtor and Lender guiding you through the process. When the professionals you choose are experienced, local, and well-connected, it keeps the entire transaction running smoothly and protects your investment.

So Who’s Involved in a Real Estate Transaction?

Buyer-Side Participants

• Buyer(s) - You!
• Buyer's Real Estate Agent - Helps you find the right property and negotiates on your behalf.
• Buyer's Agent Assistant or Transaction Coordinator - Helps manage documents and deadlines.
• Mortgage Loan Officer - Finds the best loan option for you and guides you through financing.
• Loan Processor - Collects and prepares your documents for underwriting.
• Underwriter - Reviews your file to ensure it meets loan guidelines.
• Loan Closer/Funder - Finalizes your loan before closing.
• Appraiser - Determines the market value of the property.
• Home Inspector - Identifies potential issues with the home.
• Insurance Agent - Provides a homeowners insurance policy required for closing.

Seller-Side Participants

• Seller(s) - The current homeowner.
• Seller's Real Estate Agent - Lists and markets the home, negotiates on behalf of the seller.
• Listing Assistant or Transaction Coordinator - Keeps the seller's side on track.

Title and Closing Team

• Title Examiner - Ensures the property has a clear title.
• Closing Agent / Escrow Officer - Manages the final transaction and paperwork.
• Title Insurance Agent - Provides insurance to protect against future title claims.

Additional Professionals (as needed)

• Attorney(s) - Required in some states or by client preference.
• Surveyor - Verifies property boundaries, often required by lenders.
• Pest or Septic Inspector - For certain loan types or in rural areas.
• HOA Representative - Provides rules and fees if the home is part of an association.
• Repair Contractors - Address inspection or appraisal-required repairs.

Why the Right Realtor and Lender Make All the Difference

Coordinating all these moving parts takes experience, communication, and a proactive mindset. The right Realtor will anticipate issues before they arise, and the right Lender will work closely with all parties to move the file forward - quickly and accurately.

When you work with SouthShore Region Mortgage Group, you're not just getting a mortgage - you're getting a team of professionals who know how to lead, problem-solve, and keep deals on track.

What Can Go Wrong Without the Right Team?

• Missed deadlines and closing delays
• Last-minute documentation issues
• Inaccurate appraisals or inspections
• Communication breakdowns between agents, title, and lenders
• Unexpected costs or denied loans

One weak link can jeopardize the entire transaction. That's why choosing an experienced, local team from the start matters more than ever.

Let's Get You to the Closing Table - Together

At SouthShore Region Mortgage Group, we've helped thousands of buyers and sellers navigate their real estate journey with confidence and clarity. Whether you're closing in three weeks or three months, we're here to make it seamless.

Contact us today for a fast, transparent, and stress-free mortgage experience:

• Call/Text: 219-237-8026
• Email: info@southshoreregion.com
• Website: www.southshoreregion.com

We look forward to working with you - and everyone else behind the scenes - to make your homeownership dreams a reality.