Progress 0%
0 of 5 Complete
C3 Essentials
Sign In to Continue
C3 Essentials is reserved for active Coast to Coast Collective agents and authorized team members. Sign in with Google to unlock this page and continue your training.
Agents should sign in to save progress and completion. Guest access is for exploring the program and does not record training progress.
C3 Essentials · Module 05
Contracts & Compliance.
A professionally managed transaction requires more than getting signatures on a contract. Agents must use the correct forms, obtain required disclosures, understand the executed agreement, maintain a complete transaction record and provide the documentation needed for brokerage compliance. Module 05 establishes the Coast to Coast Collective standard for Florida contracts and compliance.
Module Goal
Write It Correctly. Document It Completely. Deliver It on Time.
By the end of this module, agents should understand the C3 Florida compliance standard, where to obtain approved forms, which documents are required for common transaction types, how to handle conditional disclosures and how to deliver a complete file to the Transaction Coordinator.
48
Hours
Important Compliance Notice
Executed Documents Must Be Delivered to Lofty Promptly.
All executed transaction documents must be uploaded to Lofty and the applicable transaction information provided within 48 hours of execution. Lofty is the agent-facing C3 transaction record and the source the Transaction Coordinator uses to move the brokerage compliance process forward.
Agent Responsibility
Agent → Lofty
The agent uploads executed documents, keeps the client and transaction record current and provides the information needed for compliance and transaction coordination.
Transaction Coordinator
TC → REZen
The Transaction Coordinator handles the Real Broker REZen transaction, brokerage compliance submission, required file documentation and applicable commission-processing workflow.
Coast to Coast Collective Contract Standards
Four Rules Guide the Entire Module.
The individual checklist may change depending on whether you represent a buyer, seller, landlord, tenant or vacant-land client. These four standards do not.
01
Use the Correct Form
Use approved Florida real estate forms appropriate to the transaction and avoid non-standard contracts unless their use is required and authorized.
02
Complete the File
Required agreements, disclosures, MLS reports, public-record information and conditional forms belong in the transaction file.
03
Upload to Lofty
Executed documents and transaction information should not remain only in email, text messages or a signing platform. They belong in Lofty.
04
Read What Was Signed
Checklists help organize compliance, but the executed contract controls the actual terms, obligations, dates and transaction requirements.
Module 05 Lesson Map
Florida Contracts & Compliance.
Work through the lessons in order. The first lessons establish the compliance standard, followed by transaction-specific Florida checklists and final risk-management guidance.
01
C3 Contract & Compliance Standard
The 48-hour standard, Agent → Lofty, TC → REZen and responsibility for a complete file.
02
Florida Forms & FAR/BAR
Form Simplicity, Transaction Desk, Florida Realtors® forms and the C3 FAR/BAR standard.
03
Required Brokerage Disclosures
Affiliated Business, Consumer Choice / Referral Fee and Wire Fraud disclosures.
04
Residential Sale · Listing
Required listing documents and additional documents once the listing goes under contract.
05
Residential Sale · Buyer Rep
Buyer agreement, contract, escrow verification, disclosures and conditional forms.
06
Residential Leases
Tenant-representation, listing and under-contract lease compliance requirements.
07
Residential Vacant Land
Listing and buyer-representation compliance for residential vacant land.
08
Conditional Forms & Disclosures
FHA / VA, lead-based paint, flood, referral and compensation documents when applicable.
09
Dates, Escrow & Contract Changes
Contract-driven dates, escrow requirements, amendments, extensions and updated executed documents.
10
Lofty Submission & TC Handoff
Executed → Upload to Lofty → Complete the record → TC handles REZen.
11
Compliance Mistakes & Risk Management
Missing documents, signatures, disclosures, incorrect forms and other preventable compliance issues.
12
Florida Compliance Checklist
Final transaction-type checklist, completion standard and Module 05 assessment preparation.
One Rule Above Every Checklist
The Executed Contract Controls.
The C3 compliance checklist helps organize the transaction file. It does not replace reading the contract. The actual signed agreement and applicable executed addenda, amendments and disclosures determine the terms and obligations of the transaction.
The C3 Compliance Mindset
Compliance Is Easier When the File Is Complete From the Beginning.
Use the correct documents. Get the required signatures and disclosures. Upload executed documents to Lofty promptly. Respond quickly when the TC identifies a missing item. Do not wait until closing to build the compliance file.
Module 05 · Step 02
Florida Forms & FAR/BAR Standard.
Contract compliance begins before a document is ever signed. The agent must first locate the correct Florida form, make sure it is appropriate for the transaction and use the brokerage-preferred contract standard whenever applicable. Start with the right form. Everything after that becomes easier.
Coast to Coast Collective Contract Standard
Approved Forms Come Before Convenience.
Standard Florida real estate documentation is available through the form platforms provided as a benefit of your NAR and local Association membership. Use the appropriate Florida Realtors® documentation for the transaction and follow brokerage guidance when selecting the contract form.
01
Start With Approved Forms
Use the Florida real estate documents available through your approved forms platform.
02
Use the Right Transaction Form
Residential sale, vacant land, lease and other transaction types require different agreements and disclosures.
03
Follow Brokerage Guidance
For Florida residential sales, FAR/BAR documentation is the brokerage-preferred standard.
Accessing Florida Forms
Use Your Association-Provided Forms Platform.
Access to standard Florida real estate documentation is available through Form Simplicity or Transaction Desk. The platform available to you may depend on your local Association access.
Forms Platform
Form Simplicity
One of the standard resources agents may use to access Florida Realtors® contracts, agreements, disclosures and related transaction forms.
Forms Platform
Transaction Desk
Another Association-provided platform that may be used to access standard Florida real estate documentation and transaction forms.
Platform Support
Contact Your Local Association.
If you need help accessing your forms platform, locating a Florida Realtors® form or understanding how your Association provides access, contact your local Association for platform-specific instructions. C3 does not replace your local Association's support for accessing the forms systems included with your membership.
Stop Before You Substitute
Familiar Does Not Automatically Mean Approved.
Some Associations, builders or local markets may use transaction-specific or association-specific contracts. Do not substitute a non-standard form simply because it is familiar or convenient. When another contract is mandatory, confirm that its use is authorized before proceeding.
Before You Prepare the Agreement
Identify the Transaction Before Selecting the Form.
The compliance checklist changes depending on the type of transaction and the party you represent. Start by identifying the transaction correctly.
01
Identify the Property
Residential sale, residential vacant land, lease or another transaction category.
02
Identify Your Client
Buyer, seller, landlord or tenant representation affects the required file.
03
Select the Correct Form
Retrieve the appropriate Florida Realtors® documentation from your approved forms platform.
04
Apply Brokerage Guidance
Use FAR/BAR for residential deals when appropriate and follow brokerage direction for exceptions.
Important
Having Access to a Form Does Not Mean It Belongs in Every Transaction.
Form libraries contain many agreements, disclosures, addenda and transaction-specific documents. The agent still needs to determine which documents apply to the actual transaction. Use the correct form for the transaction in front of you — not simply the form you used last time.
C3 Florida Forms Standard
Correct Transaction. Correct Form. Correct File.
Before preparing a Florida agreement, identify the transaction type, identify who you represent and retrieve the appropriate standard documentation. Use Form Simplicity or Transaction Desk for Florida Realtors® forms, use your local Association for access support, and follow the brokerage preference for FAR/BAR residential documentation.
Module 05 · Step 03
Required Brokerage Disclosures.
Brokerage disclosures are part of the transaction file — not optional paperwork to remember later. Deliver the applicable disclosures, obtain the required signatures and place the completed documents in Lofty. A disclosure that never reaches the client or never reaches the file does not help compliance.
Coast to Coast Collective Compliance Standard
Required Disclosures Belong in the Transaction File.
When a brokerage disclosure applies, it should be delivered to the appropriate client and completed as required. The final document should then be uploaded to Lofty so the Transaction Coordinator has the documentation needed for the Real Broker compliance file in REZen.
01
Know the Disclosure
Know which brokerage disclosures apply to the transaction and client.
02
Deliver It
Provide the applicable disclosure to the client at the appropriate stage of the transaction.
03
Complete It
Obtain the required signatures, initials or acknowledgment when applicable.
04
Upload to Lofty
Keep the completed disclosure with the client and transaction record for TC handoff and compliance.
Required Brokerage Disclosure Links
Keep These Three Resources Accessible.
Use the Real Broker resources below to access the current brokerage disclosure information and forms associated with these requirements.
01
Required Brokerage DisclosureOne Real Title & Mortgage Affiliated Business Disclosure
Use the Real Broker resource for the affiliated business disclosure relating to One Real Title & Mortgage. Complete and retain the applicable disclosure with the transaction file.
02
Required Brokerage DisclosureConsumer Choice + Referral Fee Disclosure
Use the Real Broker resource for the Consumer Choice and Referral Fee disclosure requirements. Apply the appropriate disclosure based on the transaction and client.
03
Required Brokerage DisclosureWire Fraud Notice
Provide the applicable Wire Fraud Notice to your client and keep the completed documentation with the transaction record. Wire-fraud communication should be handled carefully and never treated as routine.
Disclosure Workflow
Retrieve → Deliver → Complete → Upload → TC Handoff
Treat brokerage disclosures as part of the normal transaction workflow rather than a separate task to remember later.
01
Retrieve
Access the current brokerage disclosure from the approved Real resource.
02
Deliver
Provide the applicable disclosure to the appropriate client.
03
Complete
Obtain the required acknowledgment or signatures when applicable.
04
Upload
Place the completed disclosure in the client's Lofty transaction file.
05
TC Handoff
The TC uses the completed Lofty file to complete the brokerage compliance workflow.
C3 Compliance Handoff
Do Not Send the TC Hunting for Your Disclosures.
Once the disclosure is completed, upload it to the appropriate client and transaction in Lofty. The Transaction Coordinator should be able to open the file and find the completed documents needed for the REZen compliance process. The TC can manage compliance more efficiently when the Lofty file is already complete.
Common Disclosure Mistakes
Avoid Preventable Compliance Problems.
01
Forgetting the Disclosure
The transaction progresses and the required brokerage disclosure is never delivered.
02
Leaving It Unsigned
The form is sent, but the required acknowledgment or signatures are never completed.
03
Leaving It in Email
The completed document exists, but never makes it into the Lofty transaction record.
04
Waiting for the TC
The agent assumes the TC will somehow locate or recreate a document that was never provided.
Important
The Checklist Determines When Each Disclosure Is Required.
The disclosure requirements can differ depending on transaction type and who you represent. The upcoming residential sale, lease and vacant-land checklists identify where these disclosures appear in the C3 Florida compliance workflow. Do not assume every disclosure applies identically to every file.
C3 Brokerage Disclosure Standard
Deliver It. Complete It. Put It in Lofty.
Brokerage disclosures should never become a last-minute compliance scramble. Use the current Real Broker resource, provide the applicable disclosure to the client, complete the required acknowledgment and upload the final document to Lofty for the TC compliance handoff.
Module 05 · Step 04
Residential Sale Listing Compliance.
A compliant residential listing file begins before the property ever goes under contract. The listing agreement, disclosures, MLS documentation and property information should already be organized before a buyer's contract is added to the file. Build the listing file first. Then add the contract-stage documents when the property goes under contract.
Coast to Coast Collective Compliance Standard
Do Not Wait Until Closing to Assemble the Listing File.
The listing file begins with the seller relationship and the executed listing documentation. When the property goes under contract, additional documents are added to that same transaction record. The agent keeps the file current in Lofty. The TC uses the completed Lofty file to manage brokerage compliance in REZen.
01
Listing Documents First
The listing agreement, disclosures, MLS report and property records belong in the file before the transaction reaches contract stage.
02
Add Contract Documents
Once an offer is executed, add the contract, escrow verification, pending MLS report and applicable contract-stage disclosures.
03
Upload Executed Documents
Executed documents must be uploaded to Lofty within the C3 48-hour compliance standard.
Listing File Structure
Think of the File in Two Stages.
The listing begins with the documents required to represent the seller and market the property. Once the seller accepts a contract, the compliance file expands to include the executed sale and contract-stage documentation.
Stage 01
Active Listing
Seller representation, listing agreement, MLS documentation, property records and required disclosures.
Stage 02
Under Contract
Executed purchase contract, escrow verification, pending MLS documentation and applicable contract-stage forms.
Stage 01 · Listing
Required Residential Listing Documents.
These documents make up the current C3 Florida residential listing compliance file. Items marked "if applicable" are included when the transaction requires them.
Residential Sale & Purchase · Listing
Active Listing Checklist
Upload the applicable completed documents and supporting records to the seller's Lofty file.
- ✓
Exclusive Right of Sale Listing Agreement — Transaction Broker · ERS-21tb Rev. 10/2025
Executed seller listing agreement for the residential listing file.
- ✓
MLS Report Showing Active
Full / Realtor / Synopsis MLS report showing the property in active status.
- ✓
MLS Waiver If Applicable
Include when the listing requires the applicable MLS waiver.
- ✓
Wire Fraud Notice — Our Clients
Keep the completed brokerage wire-fraud disclosure with the seller's transaction record.
- ✓
Seller's Property Disclosure
Include the applicable seller disclosure in the listing file.
- ✓
Tax Report
Public Record / Realist property tax report.
- ✓
Consumer Choice + Referral Fee Disclosure
Include the applicable brokerage disclosure in the seller file.
- ✓
Affiliated Business Disclosure
Include the applicable One Real affiliated-business disclosure.
Stage 02 · Under Contract
Add the Contract-Stage Documents.
When the listing goes under contract, do not start a disconnected compliance file. Add the executed contract and supporting transaction documents to the existing Lofty record.
Residential Listing · Under Contract
Under Contract Checklist
These items are added once the residential listing has an executed purchase contract.
- ✓
Contract: Residential Sale and Purchase
Upload the fully executed residential purchase contract.
- ✓
Escrow Deposit Verification Letter
Include the applicable verification of the escrow deposit.
- ✓
Flood Disclosure
Include the applicable residential flood disclosure in the transaction file.
- ✓
MLS Report Showing Pending
Full / Realtor / Synopsis MLS report reflecting pending status.
- ✓
Seller Funded Buyer Broker Compensation
Include the applicable compensation documentation in the contract-stage file.
- ✓
Seller's Property Disclosure
Confirm the seller disclosure remains part of the complete transaction file.
- ✓
One Real Title / Mortgage Affiliated Business Disclosure
Include the applicable completed affiliated-business disclosure.
48
Hours From Execution
Agent Compliance Handoff
Executed Documents Go to Lofty.
When a listing agreement, contract or other transaction document becomes fully executed, upload the completed document to Lofty within 48 hours of execution. Do not leave executed documents only in your email or signing platform.
Agent
Agent → Lofty
Upload the executed documents, maintain the seller and transaction record, provide required supporting documentation and respond when missing items are identified. Your responsibility is to give the TC a complete Lofty file.
Transaction Coordinator
TC → REZen
The TC uses the Lofty transaction record to create and maintain the Real Broker compliance file in REZen, identify missing requirements and manage the brokerage compliance workflow.
C3 Listing File Standard
One Client. One Property. One Complete Transaction Story.
The listing agreement, property information, disclosures, MLS documentation, executed purchase contract and contract-stage records should remain connected to the same seller relationship in Lofty. Do not scatter the transaction across email, your phone, a signing platform and disconnected files.
Important
The Checklist Supports the File — the Executed Documents Control the Transaction.
This checklist identifies the current Coast to Coast Collective residential listing compliance documents. It does not replace reading the actual listing agreement, purchase contract or applicable addenda and disclosures. Always work from the documents actually executed in the transaction.
Residential Listing Completion Standard
Build the Listing File Before You Need the Closing File.
A compliant listing file starts when the seller signs the listing agreement — not when the property goes under contract. Complete the active-listing documents, add the under-contract documents when executed, upload them to Lofty within the required timeframe and give the TC a complete file for REZen compliance.
Module 05 · Step 05
Residential Sale Buyer Rep Compliance.
The buyer compliance file should show the complete representation and purchase transaction. That includes the buyer representation agreement, executed purchase contract, escrow documentation, transaction disclosures and any conditional forms required by the deal. A complete buyer file should make it clear who you represent, what was executed and which disclosures apply.
Coast to Coast Collective Compliance Standard
Representation + Contract + Disclosures + Supporting Documents.
Buyer compliance is not just the purchase contract. The file includes the buyer representation agreement, transaction documentation, applicable brokerage disclosures and supporting records required for the file. Upload the executed documents to Lofty. The TC handles the REZen compliance process.
01
Representation
The file includes the applicable Buyer Broker / Touring Agreement establishing the buyer relationship.
02
Contract
The fully executed residential sale and purchase contract belongs in the transaction record.
03
Disclosures
Include the required transaction and brokerage disclosures identified for the buyer file.
04
Conditional Documents
Add financing, lead-based paint and other applicable forms when the transaction requires them.
Residential Sale & Purchase · Buyer Rep
Required Buyer Representation Documents.
Use this checklist to build the current C3 residential buyer compliance file. Conditional documents should be added when applicable to the transaction.
Buyer Representation · Required Documents
Residential Buyer Compliance Checklist
Keep the applicable completed documents together in the buyer's Lofty transaction file.
- ✓
Contract: Residential Sale and Purchase
Fully executed residential purchase contract.
- ✓
Buyer Broker / Touring Agreement
Include the completed buyer representation documentation.
- ✓
Escrow Deposit Verification Letter
Include the applicable verification of the escrow deposit.
- ✓
Flood Disclosure
Include the applicable residential flood disclosure.
- ✓
Wire Fraud Notice — Our Clients
Keep the completed brokerage Wire Fraud Notice with the buyer file.
- ✓
MLS Report Showing Pending
Full / Realtor / Synopsis MLS report reflecting pending status.
- ✓
Seller Funded Buyer Broker Compensation
Include the applicable buyer-broker compensation documentation.
- ✓
Seller's Property Disclosure
Include the seller disclosure with the transaction file.
- ✓
One Real Title & Mortgage Affiliated Business Disclosure
Include the applicable completed affiliated-business disclosure.
- ✓
Consumer Choice + Referral Fee Disclosure — Our Clients
Include the applicable Consumer Choice and Referral Fee documentation.
- ✓
FHA / VA Financing Addendum / Rider If Applicable
Include when applicable to the buyer's financing and transaction.
- ✓
LBP — Lead-Based Paint Disclosure If Applicable
Include the applicable Lead-Based Paint Disclosure when required for the transaction.
Conditional Buyer Documents
Not Every Buyer File Is Identical.
Some transaction documents are required only when specific facts of the transaction apply. The C3 checklist identifies these separately so agents do not treat them as universal or forget them when they are needed.
01
FHA / VA Financing Addendum / Rider
Include the applicable financing addendum or rider when the transaction requires FHA or VA documentation.
02
Lead-Based Paint Disclosure
Include the applicable LBP disclosure when the transaction requires lead-based paint documentation.
Buyer File Logic
Think Beyond the Contract.
The purchase contract is central to the transaction, but the compliance file must also document representation, escrow, disclosures, MLS status and applicable transaction-specific forms.
01
Who Do You Represent?
Make sure the buyer representation documentation belongs in the file.
02
What Was Executed?
Upload the actual executed contract and applicable signed transaction documents.
03
What Applies?
Identify the disclosures, compensation documents and conditional forms applicable to the file.
04
Is It in Lofty?
The completed compliance file should be accessible from the buyer's Lofty transaction record.
48
Hours From Execution
C3 Compliance Handoff
Executed Buyer Documents Go to Lofty.
Once the purchase contract or another transaction document becomes fully executed, upload it to the appropriate buyer transaction in Lofty within 48 hours of execution. The TC should not need to search your email or signing platform to find the executed file.
Agent
Agent → Lofty
Keep the buyer transaction current, upload the executed documents, provide the required disclosures and respond quickly when the TC identifies a missing compliance item. The agent remains responsible for providing a complete transaction file.
Transaction Coordinator
TC → REZen
The TC uses the buyer's Lofty file to manage the Real Broker transaction and compliance process in REZen and communicate any missing file requirements.
Important
The Checklist Does Not Replace the Executed Contract.
This checklist identifies the current C3 residential buyer compliance documents. The actual purchase contract and applicable executed addenda, riders and disclosures control the transaction in front of you. Read what was signed. Do not manage the transaction from memory or from the checklist alone.
Residential Buyer Completion Standard
Complete Representation. Complete Contract. Complete File.
The residential buyer file should contain the buyer representation documentation, executed contract, escrow verification, required disclosures, pending MLS report, compensation documentation and applicable conditional forms. Upload executed documents to Lofty within the required timeframe and give the TC the complete file needed for REZen compliance.
Module 05 · Step 06
Residential Lease Compliance.
Lease transactions require the same discipline as residential sales. The required file changes depending on whether you represent the tenant or the landlord and whether the listing is still active or has moved into an executed lease. Identify your side first. Then build the correct lease file.
Coast to Coast Collective Lease Standard
Tenant Files and Listing Files Are Different.
A residential lease transaction may involve tenant representation, landlord representation or a listing that moves from active into an executed lease. Each path has its own required documentation. Build the file that matches the representation and transaction status.
01
Identify Representation
Determine whether you represent the tenant or the landlord before selecting the compliance checklist.
02
Match the Status
An active listing file and an executed lease file require different supporting records.
03
Upload to Lofty
Executed lease documents and applicable disclosures belong in Lofty for the TC handoff.
Lease Compliance Paths
Three File Stages to Know.
Use the checklist that corresponds to your representation and the current stage of the residential lease transaction.
01
Tenant Representation
The tenant-side compliance file centers on the executed lease, flood disclosure, pending MLS documentation and tenant-broker compensation agreement.
02
Active Lease Listing
The landlord listing file begins with the Exclusive Right to Lease Agreement, flood disclosure, active MLS report and tax record.
03
Listing Under Contract
Once the lease is executed, add the lease agreement, pending MLS report, flood disclosure and compensation documentation.
Tenant Representation
Required Tenant Rep Documents.
When representing the tenant, build the transaction file around the executed lease and the supporting lease-specific documentation.
Residential Leases · Tenant Rep
Tenant Representation Checklist
Upload the completed applicable documents to the tenant's Lofty transaction record.
- ✓
Executed Lease Agreement for Single Family / Duplex
Include the fully executed residential lease agreement.
- ✓
Lease — Flood Disclosure · LFD-1
Include the applicable residential lease flood disclosure.
- ✓
MLS Broker Synopsis Showing Pending
Include the MLS broker synopsis reflecting pending status.
- ✓
Compensation Agreement — Owner / Listing Broker to Tenant's Broker · CAOT-2
Include the applicable tenant-broker compensation agreement.
Landlord Representation · Listing
Required Active Lease Listing Documents.
The lease listing file begins when the landlord engages you to market the property. Build this file before an executed lease is added later.
Residential Leases · Listing
Active Lease Listing Checklist
Keep the listing agreement, property records, disclosure and active MLS documentation together in Lofty.
- ✓
Exclusive Right to Lease Agreement · ERL-14
Include the executed landlord listing agreement.
- ✓
Lease — Flood Disclosure · LFD-1
Include the residential lease flood disclosure.
- ✓
MLS Report Showing Active
Full / Realtor / Synopsis MLS report reflecting active status.
- ✓
Tax Report
Public Record / Realist tax report for the subject property.
Landlord Listing · Under Contract
Add the Executed Lease Documents.
Once the lease is executed, add the contract-stage records to the existing landlord listing file.
Residential Lease Listing · Under Contract
Under Contract Lease Checklist
These documents complete the contract-stage portion of the landlord lease transaction file.
- ✓
Lease Agreement for Single Family / Duplex
Upload the fully executed residential lease agreement.
- ✓
MLS Report Showing Pending
Full / Realtor / Synopsis MLS report reflecting pending status.
- ✓
Lease — Flood Disclosure · LFD-1
Confirm the applicable flood disclosure is part of the final lease file.
- ✓
Landlord Funded Tenant Broker Compensation · CAOT-2
Include the applicable compensation documentation in the lease file.
48
Hours From Execution
Lease Compliance Handoff
Executed Lease Documents Go to Lofty.
When a lease agreement, listing agreement or other transaction document becomes fully executed, upload the completed document to the applicable Lofty file within 48 hours of execution. Do not leave executed lease documents only in email or the signing platform.
Agent
Agent → Lofty
Upload executed lease documents, maintain the correct tenant or landlord record, provide applicable disclosures and make sure the transaction information is complete. The TC should receive a complete Lofty file.
Transaction Coordinator
TC → REZen
The TC uses the Lofty file to manage the Real Broker compliance process in REZen and communicate any missing transaction requirements.
Important
Do Not Use the Sale Checklist for a Lease Transaction.
Residential leases have their own agreements, disclosures, MLS documentation and compensation forms. Identify the transaction as a lease, identify which party you represent and use the lease-specific checklist.
Residential Lease Completion Standard
Correct Side. Correct Status. Correct Lease File.
Residential lease compliance begins by determining who you represent and where the transaction is in the process. Use the tenant checklist for tenant representation, the listing checklist for landlord representation, add the under-contract documents once the lease is executed, and upload executed documents to Lofty within the required timeframe.
Module 05 · Step 07
Residential Vacant Land Compliance.
Residential vacant land transactions require their own agreements, disclosures and supporting compliance documents. Do not treat a vacant-land transaction as though it were a standard residential-home sale. Identify the property type, identify who you represent and use the vacant-land-specific forms.
Coast to Coast Collective Compliance Standard
Vacant Land Is Its Own Transaction Category.
Residential vacant land transactions use land-specific listing agreements, contracts and disclosure documents. The file also changes depending on whether you represent the seller or buyer and whether a listing has moved under contract. Use the vacant-land checklist — not the residential-home checklist.
01
Identify the Property
Confirm the transaction involves residential vacant land before selecting the forms.
02
Identify Representation
Listing-side and buyer-side vacant-land files have different documentation requirements.
03
Use Land Forms
Use the applicable VLLA, VAC and VLDS documentation for the transaction.
04
Keep Lofty Complete
Upload executed documents and supporting compliance records to the transaction in Lofty.
Vacant Land File Structure
Three Compliance Paths.
Start with the path that matches the transaction and your representation.
01
Vacant Land Listing
Seller representation begins with the vacant-land listing agreement, active MLS report, tax record and applicable brokerage disclosures.
02
Listing Under Contract
Once executed, add the vacant-land contract, escrow verification, pending MLS report, vacant-land disclosure and applicable supporting forms.
03
Buyer Representation
The buyer-side file includes the land contract, escrow verification, pending MLS report, disclosure documentation and applicable brokerage forms.
Stage 01 · Listing
Required Vacant Land Listing Documents.
Build the seller's vacant-land listing file before the property moves under contract.
Residential Vacant Land · Listing
Active Vacant Land Listing Checklist
Keep the listing agreement, property records, MLS documentation and applicable disclosures together in Lofty.
- ✓
Vacant Land Listing Agreement · VLLA-6
Include the executed vacant-land listing agreement.
- ✓
MLS Report Showing Active
Full / Realtor / Synopsis MLS report reflecting active status.
- ✓
Tax Report
Public Record / Realist tax report for the vacant parcel.
- ✓
Wire Fraud Notice — Our Clients
Include the applicable completed brokerage Wire Fraud Notice.
- ✓
Flood Disclosure If Zoned Residential
Include when the vacant land is zoned residential.
- ✓
Consumer Choice + Referral Fee Disclosure
Include the applicable brokerage disclosure.
- ✓
Affiliated Business Disclosure
Include the applicable affiliated-business disclosure.
Stage 02 · Listing Under Contract
Add the Vacant Land Contract Documents.
Once the seller accepts and executes a vacant-land contract, add the contract-stage documentation to the existing listing file.
Vacant Land Listing · Under Contract
Under Contract Checklist
Add the following documents once the vacant-land transaction moves under contract.
- ✓
Vacant Land Contract · VAC-15
Upload the fully executed vacant-land purchase contract.
- ✓
Escrow Deposit Verification Letter
Include the applicable escrow deposit verification.
- ✓
MLS Report Showing Pending
Full / Realtor / Synopsis MLS report reflecting pending status.
- ✓
Vacant Land Disclosure Statement · VLDS-1
Include the applicable vacant-land disclosure statement.
- ✓
Seller Funded Buyer Broker Compensation If Applicable
Include when seller-funded buyer-broker compensation applies.
- ✓
Affiliated Business Disclosure
Include the applicable completed affiliated-business disclosure.
- ✓
Flood Disclosure If Zoned Residential
Include when the vacant land is zoned residential.
Buyer Representation
Required Vacant Land Buyer Documents.
When representing a buyer purchasing residential vacant land, build the file using the land-specific contract and disclosure requirements below.
Residential Vacant Land · Buyer Rep
Buyer Representation Checklist
Keep the executed contract, escrow verification, MLS documentation and applicable disclosures together in the buyer's Lofty transaction.
- ✓
Vacant Land Contract · VAC-15
Include the fully executed vacant-land purchase contract.
- ✓
Escrow Deposit Verification Letter
Include the applicable escrow deposit verification.
- ✓
MLS Report Showing Pending
Full / Realtor / Synopsis MLS report reflecting pending status.
- ✓
Vacant Land Disclosure Statement · VLDS-1
Include the applicable vacant-land disclosure statement.
- ✓
Seller Funded Buyer Broker Compensation If Applicable
Include when seller-funded buyer-broker compensation applies.
- ✓
Affiliated Business Disclosure
Include the applicable affiliated-business disclosure.
- ✓
Wire Fraud Notice — Our Clients
Include the applicable completed brokerage Wire Fraud Notice.
- ✓
Flood Disclosure If Zoned Residential
Include when the vacant land is zoned residential.
- ✓
Consumer Choice Disclosure
Include the applicable Consumer Choice disclosure.
- ✓
Referral Fee Disclosure If Applicable
Include when a referral fee disclosure applies to the transaction.
Vacant Land Conditional Requirement
Check the Zoning Before You Check the Box.
In the C3 vacant-land compliance checklist, the Flood Disclosure is identified when the vacant land is zoned residential. Do not treat the conditional notation as though every vacant-land transaction has an identical file.
48
Hours From Execution
C3 Compliance Handoff
Executed Vacant Land Documents Go to Lofty.
When a vacant-land listing agreement, purchase contract or other transaction document becomes fully executed, upload the completed document to Lofty within 48 hours of execution. Keep the transaction record complete so the TC has what is needed for the brokerage compliance process.
Agent
Agent → Lofty
Upload the executed land documents, maintain the transaction record, provide the applicable disclosures and supporting records, and respond to missing-file requests. Give the TC a complete Lofty transaction.
Transaction Coordinator
TC → REZen
The TC uses the Lofty file to manage the Real Broker transaction and compliance process in REZen and communicate any remaining requirements.
Important
Do Not Substitute Residential Home Forms for Vacant Land Forms.
Vacant land has its own listing agreement, purchase contract and disclosure statement in the C3 compliance checklist. Use the transaction-specific documents that match the property and representation.
Residential Vacant Land Completion Standard
Land Transaction. Land Forms. Complete File.
Residential vacant land should be treated as its own transaction category from the beginning. Use VLLA-6 for the listing, VAC-15 for the purchase contract, VLDS-1 for the vacant-land disclosure, add the applicable supporting documents, and upload executed records to Lofty within the required timeframe.
Module 05 · Step 08
Conditional Forms & Disclosures.
Not every transaction requires the exact same set of documents. Financing type, property characteristics, compensation arrangements, referrals and listing circumstances can trigger additional forms. “If applicable” does not mean optional. It means you must determine whether the requirement applies to this transaction.
Coast to Coast Collective Compliance Standard
The Transaction Facts Determine the File.
A checklist cannot predict every fact of every real estate transaction. Some forms are therefore listed as conditional requirements. The agent must identify the facts that apply to the deal and include the appropriate documentation. When the condition applies, the document belongs in the file.
01
Read the Transaction
Identify the actual financing, property, compensation and referral facts.
02
Identify the Trigger
Determine which conditional forms or disclosures apply to the file.
03
Complete the Document
Obtain the applicable signatures, initials or acknowledgment.
04
Put It in Lofty
Keep the completed conditional document with the rest of the transaction record.
Common Conditional Requirements
Recognize the Trigger Before You Miss the Form.
These are the conditional items identified throughout the current C3 Florida compliance checklists.
01
FinancingFHA / VA Financing Addendum or Rider
Include the applicable financing addendum or rider when the buyer's transaction requires FHA or VA documentation.
02
PropertyLead-Based Paint Disclosure
Include the applicable Lead-Based Paint Disclosure when the transaction requires lead-based paint documentation.
03
Property / TransactionFlood Disclosure
Include the applicable Flood Disclosure where required by the transaction checklist. For the C3 vacant-land checklist, this is specifically identified when the land is zoned residential.
04
CompensationSeller Funded Buyer Broker Compensation
Include the applicable buyer-broker compensation documentation when seller-funded compensation applies to the transaction.
05
ReferralReferral Fee Disclosure
Include the applicable Referral Fee Disclosure when a referral-fee requirement applies to the transaction.
06
ListingMLS Waiver
Include the MLS Waiver when it applies to the residential listing file.
Compliance Decision Point
It Means Stop and Check the Facts.
When the checklist says “if applicable,” do not automatically skip the item. Review the actual transaction: financing type, property characteristics, representation, compensation arrangement, referral structure and executed documents. If the condition exists, complete the applicable documentation.
Conditional Document Workflow
Identify → Confirm → Complete → Upload → Communicate
Treat conditional compliance as part of the normal transaction workflow, not something to discover when the TC asks for a missing document.
01
Identify
Review the transaction facts and identify possible conditional requirements.
02
Confirm
Confirm which conditional forms or disclosures belong in the transaction.
03
Complete
Obtain the required completed and executed documentation.
04
Upload
Place the completed document in the appropriate Lofty transaction record.
05
Communicate
Make sure the TC has what is needed to complete the compliance workflow.
Before You Consider the File Complete
Ask the Conditional Questions.
A quick review of the transaction can prevent many missing-document issues.
- ✓
What financing is being used?
Determine whether the financing triggers an applicable FHA / VA addendum or rider.
- ✓
Does the property trigger an additional disclosure?
Check the applicable property-related requirements, including Lead-Based Paint or Flood documentation.
- ✓
Is seller-funded buyer-broker compensation involved?
Include the applicable compensation documentation when required by the transaction.
- ✓
Is there a referral-fee disclosure requirement?
Include the applicable referral documentation when the transaction requires it.
- ✓
Does the listing require an MLS Waiver?
Include the applicable waiver when required for the listing file.
- ✓
Are the conditional documents in Lofty?
A completed document that remains only in email or a signing platform is not a complete C3 transaction file.
Agent → Lofty
The TC Cannot Submit a Form You Never Provided.
Once a conditional form or disclosure is completed, place it in the appropriate Lofty transaction record. This gives the Transaction Coordinator the documentation needed to complete the Real Broker compliance process in REZen.
Agent
Identify + Provide
Recognize the transaction facts, obtain the applicable forms, complete the documentation and upload it to Lofty. Do not assume the TC knows a transaction fact that was never communicated.
Transaction Coordinator
Review + Process
The TC reviews the available Lofty file, identifies missing compliance items and manages the brokerage submission process in REZen.
Important
Do Not Guess When You Are Unsure Whether a Form Applies.
Review the executed contract, the transaction facts and the applicable compliance checklist. If the requirement is still unclear, confirm the appropriate documentation before treating the file as complete. It is easier to clarify a requirement early than repair a missing compliance document later.
Conditional Document Completion Standard
If the Condition Applies, the Document Belongs in the File.
Conditional documents are not lesser compliance requirements. They simply depend on the facts of the transaction. Identify the trigger, complete the applicable form, upload the executed document to Lofty and make sure the TC has what is needed for the REZen compliance process.
Module 05 · Step 09
Dates, Escrow & Contract Changes.
A contract is not simply a form that gets signed and placed in a file. It contains dates, obligations, deposit requirements and terms that guide the transaction. When those terms change, the documentation must change with them. Read the executed contract. Track the current agreement. Document every executed change.
Coast to Coast Collective Contract Standard
Manage the Agreement That Was Actually Signed.
Transaction dates, deposit obligations, contingencies and closing requirements come from the actual executed agreement and any later executed changes. Do not rely on memory, an old draft, a previous transaction or a checklist to tell you what this contract says.
01
Read the Contract
Know the terms, dates and obligations contained in the executed agreement.
02
Identify the Dates
Determine the transaction milestones from the contract actually signed by the parties.
03
Document Changes
Changes to agreed terms should be reflected in the appropriate executed transaction document.
04
Update Lofty
The current transaction record should contain the original agreement and later executed changes.
Contract Dates
Find the Dates in the Agreement — Not in Your Memory.
The specific dates and deadlines vary according to the executed contract and the provisions selected by the parties. Read the agreement carefully and identify the dates that govern the transaction in front of you.
01
Effective Date
Identify the effective date of the executed agreement because other contractual deadlines may depend on it.
02
Deposit / Escrow
Identify the deposit obligation, applicable timing and designated escrow information from the contract.
03
Contingency Milestones
Identify the applicable inspection, financing and other contract-driven milestones contained in the agreement.
04
Closing Date
Confirm the agreed closing date and update the record if the parties later execute a change to that date.
Contract Date Standard
Similar Contracts Can Still Have Different Terms.
Do not assume a deadline is the same because your last transaction used a similar contract. Terms may be completed differently, dates may be negotiated, and later executed documents may modify the original agreement. Open the current contract. Read the current terms.
Contract-Driven Obligation
The Deposit Requirements Come From the Contract.
The executed agreement identifies the applicable earnest-money or deposit obligation. Review the actual contract for the amount, timing, escrow holder and other applicable terms. The C3 compliance checklists also require an Escrow Deposit Verification Letter for applicable residential sale and vacant-land purchase files.
01
Read the Obligation
Identify what the executed contract requires regarding the deposit.
02
Track the Requirement
Keep the applicable escrow milestone visible in the transaction workflow.
03
Obtain Verification
Include the required Escrow Deposit Verification Letter when it belongs in the compliance file.
04
Keep Lofty Current
Make sure the transaction record contains the applicable escrow documentation.
Changes After Execution
If the Deal Changes, the Documentation Changes.
A conversation, text message or verbal understanding should not become the only record of a change to the transaction. When the parties formally modify an agreement, keep the applicable executed documentation with the transaction file.
01
Amendments
When the parties execute an amendment to the agreement, retain it with the original contract.
02
Extensions
If a contractual date is formally extended, the executed extension belongs in the transaction file.
03
Addenda / Riders
Applicable executed addenda and riders remain part of the complete agreement record.
04
Other Executed Changes
If the parties formally change a transaction term, retain the executed document that reflects that change.
Contract Change Workflow
Execute → Upload → Update → Communicate → Track
Once a contract change is fully executed, the transaction record and the team workflow should reflect the new agreement.
01
Execute
Confirm the applicable change has been properly executed by the required parties.
02
Upload
Add the executed change to the appropriate Lofty transaction.
03
Update
Update the applicable transaction information affected by the change.
04
Communicate
Make sure the TC and applicable transaction parties have the current information.
05
Track
Manage the transaction from the updated agreement, not the superseded information.
Original Agreement
Keep the Executed Contract.
The original executed agreement remains part of the transaction history. Do not delete or replace it simply because a later document changes one of its terms.
Later Executed Change
Add the Change to the Same File.
The amendment, extension, addendum or other executed change should remain connected to the original transaction. The complete file should show how the agreement evolved.
48
Hour Standard
New Executed Document = File Update
Contract Changes Go to Lofty Too.
The 48-hour compliance standard does not end with the original contract. When another transaction document becomes executed, add the completed document to the appropriate Lofty transaction within the required timeframe. The TC needs the current file in order to keep REZen and the brokerage compliance record current.
Agent
Agent → Lofty
Read the contract, know the changes, upload newly executed documents and update the transaction information affected by those changes. The TC should never have to work from an outdated version of the deal.
Transaction Coordinator
TC → REZen
The TC uses the current Lofty file to maintain the brokerage compliance record in REZen and track the updated transaction documentation provided by the agent.
Important
This Lesson Does Not Create Contract Deadlines.
This section teaches the C3 compliance standard for identifying, documenting and maintaining contract dates, escrow information and executed changes. The actual rights, obligations, notice requirements and deadlines come from the executed contract, applicable executed documents and appropriate brokerage guidance.
C3 Contract Change Standard
If the Agreement Changes, the File Changes.
Read the executed agreement. Identify the controlling dates. Understand the applicable escrow requirement. Retain the original contract. Add every applicable executed amendment, extension, addendum or later change. Keep Lofty current, keep the TC informed and manage the transaction from the agreement the parties actually signed.
Module 05 · Step 10
Lofty Submission & TC Handoff.
Every contract, disclosure and compliance requirement in this module eventually comes back to one operational standard: the agent builds and maintains the transaction in Lofty, and the Transaction Coordinator uses that file to complete the brokerage compliance process in REZen.
48
Hours From Execution
C3 Compliance Standard
Executed Documents Go to Lofty.
All executed transaction documents must be uploaded to Lofty and the applicable transaction information provided within 48 hours of execution. Lofty is the agent-facing Coast to Coast Collective transaction record. The Transaction Coordinator uses the information and documents in Lofty to manage the Real Broker compliance workflow in REZen.
Agent Responsibility
Agent → Lofty
Prepare and execute the documents correctly, upload executed documents, maintain the client and transaction record, provide supporting compliance information and respond promptly when something is missing. Everything involving the client or transaction belongs in Lofty.
Transaction Coordinator
TC → REZen
The TC reviews the Lofty file, creates and manages the brokerage transaction in REZen, uploads brokerage-required documentation, manages compliance requirements and handles the applicable commission-processing workflow.
The C3 Compliance Handoff
Five Steps From Signature to Brokerage Compliance.
The handoff should be predictable. Once a document is executed, move it into the transaction record, make sure the file is complete and give the TC what is needed to manage the brokerage process.
01
Execute
Confirm the applicable document has been fully executed by the required parties.
02
Upload to Lofty
Place the completed document into the correct client and transaction record.
03
Complete the Record
Add the supporting documents, parties, dates and transaction information needed for the file.
04
TC Handoff
Make sure the TC has a usable and current Lofty file instead of scattered documentation.
05
REZen Compliance
The TC manages the Real Broker transaction and brokerage compliance process in REZen.
Remember the Workflow
Executed → Lofty → Complete File → TC → REZen
The Agent-Facing Transaction Record
What Belongs in Lofty?
Lofty is not simply a place to upload the final contract. It is the operating record for the client and transaction.
Agent → Lofty
The Complete C3 Transaction Record.
Keep the transaction information connected to the client from execution through closing.
01
Client Information
Maintain the complete client relationship and transaction record connected to the correct contact.
02
Executed Documents
Contracts, agreements, disclosures, amendments and other executed documents belong in the file.
03
Supporting Records
MLS reports, tax records, escrow verification and other applicable supporting compliance items.
04
Transaction Parties
Keep applicable lender, title, escrow, co-broke and referral information connected to the transaction.
05
Dates & Changes
Maintain the current transaction information when executed documents change contractual dates or terms.
06
Transaction History
The file should preserve the story of the transaction rather than forcing someone to reconstruct it later.
Before the TC Handoff
Ask: Could the TC Work From This File Right Now?
Before considering your handoff complete, review the Lofty transaction for the information below.
- ✓
Is the correct client attached to the transaction?
The file should be connected to the correct client relationship in Lofty.
- ✓
Are the executed documents uploaded?
Do not leave the final signed version only in email or an electronic-signature platform.
- ✓
Are the required disclosures present?
Include the applicable brokerage and transaction-specific disclosures.
- ✓
Are the supporting compliance records included?
Add the applicable MLS reports, tax records, escrow verification and other required supporting items.
- ✓
Is the transaction information current?
Make sure later executed documents and changes are reflected in the file.
- ✓
Have you responded to any missing-item request?
A file is not complete simply because the TC identified what is missing.
TC → REZen
The TC Manages the Brokerage Compliance Process.
Once the transaction information and documents are available in Lofty, the Transaction Coordinator uses that record to manage the Real Broker transaction in REZen. REZen is the brokerage compliance system. Lofty remains the C3 client and transaction operating record.
01
Review Lofty
Review the transaction information and documents supplied by the agent.
02
Manage REZen
Create and maintain the Real Broker transaction and compliance file.
03
Identify Missing Items
Communicate missing documents, signatures or compliance requirements back to the agent.
04
Process Compliance
Manage applicable brokerage review, CDA and commission-processing workflow.
Common Handoff Failures
Do Not Make the TC Reconstruct Your Transaction.
01
Documents Left in Email
The document exists, but it never reaches the Lofty transaction record.
02
Missing Final Version
A draft or partially executed document is uploaded instead of the completed version.
03
Transaction Changes Missing
An amendment or extension changes the deal, but Lofty still reflects the old information.
04
Assuming the TC Owns Everything
TC support does not replace the agent's responsibility to prepare, understand and provide a complete file.
Critical Distinction
TC Support Does Not Transfer the Agent's Contract Responsibility.
The Transaction Coordinator provides substantial administrative and compliance support. That does not relieve the agent from understanding the transaction, using the correct forms, obtaining required signatures, delivering required disclosures or providing the documents needed for the file. The agent owns the client relationship and the accuracy of what is being prepared and executed.
C3 Submission Standard
Agent → Lofty. TC → REZen. Every Time.
The cleanest compliance process starts with a complete transaction record. Execute the correct documents, upload them to Lofty within 48 hours, maintain the current transaction information, respond quickly to missing-file requests and let the TC manage the Real Broker compliance workflow in REZen.
Module 05 · Step 11
Compliance Mistakes & Risk Management.
Most compliance problems do not begin as major problems. They begin with a missing signature, an incorrect form, a disclosure that was never delivered, a document left in email, or an agent who was unsure and guessed instead of asking. Good risk management starts with disciplined habits.
Coast to Coast Collective Risk Standard
Stop the Problem Before It Enters the File.
Compliance problems are easier to prevent than to repair. Use the correct forms, review what is being signed, complete the required disclosures, maintain the current file and ask for guidance when something is unclear. Do not guess on a form, deadline, disclosure or contractual obligation.
01
Prevent
Use the correct form and build the compliance file correctly from the beginning.
02
Review
Read the executed documents and check the file for missing information.
03
Correct
Respond promptly when a missing or incorrect compliance item is identified.
04
Escalate
When the correct answer is not clear, stop and ask the appropriate resource.
Common Compliance Mistakes
Small File Mistakes Can Create Bigger Problems.
Watch for these recurring issues before they become last-minute compliance problems.
01
Wrong Form
A familiar, convenient or locally common document is used instead of the appropriate approved form.
02
Missing Signature or Initial
The document appears complete, but one or more required signatures, initials or acknowledgments are missing.
03
Missing Disclosure
A required brokerage or transaction disclosure was never delivered, completed or retained in the file.
04
Conditional Form Skipped
An item marked “if applicable” is treated as optional without checking whether the condition actually applies.
05
Outdated Transaction Record
A later amendment, extension or contract change is executed, but Lofty still reflects the original information.
06
Documents Left Outside Lofty
The final document lives in email, text, downloads or the signing platform but never reaches the transaction file.
07
Waiting Too Long
Executed documents are not uploaded promptly, leaving the TC and brokerage record behind the actual transaction.
08
Managing From Memory
Dates, obligations or requirements are assumed from a prior transaction instead of the current contract.
09
Guessing Instead of Asking
The agent is unsure which form, disclosure or contractual requirement applies and proceeds without clarification.
When You Are Unsure
Clarification Is a Risk-Management Tool.
If you are unsure which form applies, whether a disclosure is required, how a contractual provision should be handled, or what documentation the brokerage needs, stop and ask the appropriate broker, leadership, Association or transaction resource. Guessing does not make the transaction move faster if the file has to be repaired later.
Risk Management Workflow
Read → Verify → Document → Upload → Escalate
Strong compliance habits reduce preventable problems throughout the transaction.
01
Read
Read the document and understand what is actually being prepared or executed.
02
Verify
Check the form, signatures, transaction facts and applicable requirements.
03
Document
Make sure the applicable agreement, disclosure or change is properly documented.
04
Upload
Put the completed transaction document in the correct Lofty file.
05
Escalate
If something remains unclear, ask the appropriate resource before moving forward.
Protect the Transaction Record
A Complete File Protects More Than Compliance.
A strong transaction record helps everyone understand what happened, what was signed, what changed and what information was available throughout the transaction.
01
Protect the Client
Clear documentation helps preserve the agreements and disclosures connected to the client's transaction.
02
Protect the Transaction
Current documents and accurate records reduce confusion as the deal changes.
03
Protect the Brokerage File
Complete Lofty documentation allows the TC to maintain the required brokerage compliance record.
04
Protect the Agent
A complete transaction history helps document what was executed, disclosed and communicated.
Agent
Agent → Lofty
Use the correct documents, obtain complete execution, keep the transaction current and provide the information needed for compliance. Do not assume the TC can fix a document the agent never properly completed.
Transaction Coordinator
TC → REZen
The TC reviews the available Lofty file, manages the brokerage compliance process in REZen and communicates missing or incomplete file requirements.
The Rule to Remember
If You Are Unsure About a Form, Deadline, Disclosure or Contractual Obligation — Stop and Ask.
A checklist can guide the workflow, but it cannot replace the executed agreement or appropriate brokerage guidance. Never guess your way through a compliance or contract question.
C3 Risk Management Standard
Correct Forms. Complete File. Clear Record. Ask When Unsure.
Strong compliance does not come from fixing files at the end. It comes from making better decisions throughout the transaction. Use the right forms, obtain complete signatures, deliver the required disclosures, keep Lofty current, respond to missing items quickly and escalate questions instead of guessing.
Module 05 · Step 12
Florida Compliance Checklist.
You have now worked through the C3 contract and compliance standards for residential sales, leases and residential vacant land. This final lesson brings those requirements together into one reference. Identify the transaction. Use the correct checklist. Complete the applicable documents. Keep Lofty current.
Final Module 05 Compliance Standard
The Correct Checklist Starts With the Correct Transaction.
Before deciding which documents belong in a file, identify the property type, identify who you represent and identify the current transaction stage. Then use the matching compliance checklist and confirm whether any conditional documents apply.
01
Identify
Property type, representation and transaction stage.
02
Match
Use the compliance checklist that matches the actual transaction.
03
Complete
Include the required and applicable conditional documents.
04
Upload
Keep the current transaction file complete in Lofty.
Florida Compliance Quick Reference
Use the Checklist That Matches the File.
The reference below consolidates the compliance documents taught throughout Module 05.
Residential Sale & Purchase
Listing
- ✓
Exclusive Right of Sale Listing Agreement · Transaction Broker · ERS-21tb · Rev. 10/2025
- ✓
MLS Report Showing Active
- ✓
MLS Waiver If Applicable
- ✓
Wire Fraud Notice — Our Clients
- ✓
Seller's Property Disclosure
- ✓
Tax Report · Public Record / Realist
- ✓
Consumer Choice + Referral Fee Disclosure
- ✓
Affiliated Business Disclosure
Residential Listing
Under Contract
- ✓
Contract: Residential Sale and Purchase
- ✓
Escrow Deposit Verification Letter
- ✓
Flood Disclosure
- ✓
MLS Report Showing Pending
- ✓
Seller Funded Buyer Broker Compensation
- ✓
Seller's Property Disclosure
- ✓
One Real Title / Mortgage Affiliated Business Disclosure
Residential Sale & Purchase
Buyer Representation
- ✓
Contract: Residential Sale and Purchase
- ✓
Buyer Broker / Touring Agreement
- ✓
Escrow Deposit Verification Letter
- ✓
Flood Disclosure
- ✓
Wire Fraud Notice — Our Clients
- ✓
MLS Report Showing Pending
- ✓
Seller Funded Buyer Broker Compensation
- ✓
Seller's Property Disclosure
- ✓
One Real Title & Mortgage Affiliated Business Disclosure
- ✓
Consumer Choice + Referral Fee Disclosure — Our Clients
- ✓
FHA / VA Financing Addendum / Rider If Applicable
- ✓
LBP — Lead-Based Paint Disclosure If Applicable
Residential Leases
Tenant Representation
- ✓
Executed Lease Agreement for Single Family / Duplex
- ✓
Lease — Flood Disclosure · LFD-1
- ✓
MLS Broker Synopsis Showing Pending
- ✓
Compensation Agreement · Owner / Listing Broker to Tenant's Broker · CAOT-2
Residential Leases
Listing
- ✓
Exclusive Right to Lease Agreement · ERL-14
- ✓
Lease — Flood Disclosure · LFD-1
- ✓
MLS Report Showing Active
- ✓
Tax Report · Public Record / Realist
Residential Lease Listing
Under Contract
- ✓
Lease Agreement for Single Family / Duplex
- ✓
MLS Report Showing Pending
- ✓
Lease — Flood Disclosure · LFD-1
- ✓
Landlord Funded Tenant Broker Compensation · CAOT-2
Residential Vacant Land
Listing
- ✓
Vacant Land Listing Agreement · VLLA-6
- ✓
MLS Report Showing Active
- ✓
Tax Report · Public Record / Realist
- ✓
Wire Fraud Notice — Our Clients
- ✓
Flood Disclosure If Zoned Residential
- ✓
Consumer Choice + Referral Fee Disclosure
- ✓
Affiliated Business Disclosure
Vacant Land Listing
Under Contract
- ✓
Vacant Land Contract · VAC-15
- ✓
Escrow Deposit Verification Letter
- ✓
MLS Report Showing Pending
- ✓
Vacant Land Disclosure Statement · VLDS-1
- ✓
Seller Funded Buyer Broker Compensation If Applicable
- ✓
Affiliated Business Disclosure
- ✓
Flood Disclosure If Zoned Residential
Residential Vacant Land
Buyer Representation
- ✓
Vacant Land Contract · VAC-15
- ✓
Escrow Deposit Verification Letter
- ✓
MLS Report Showing Pending
- ✓
Vacant Land Disclosure Statement · VLDS-1
- ✓
Seller Funded Buyer Broker Compensation If Applicable
- ✓
Affiliated Business Disclosure
- ✓
Wire Fraud Notice — Our Clients
- ✓
Flood Disclosure If Zoned Residential
- ✓
Consumer Choice Disclosure
- ✓
Referral Fee Disclosure If Applicable
Final File Review
Run the Entire Transaction Through One Last Check.
A file is not complete simply because the main contract is signed. Confirm the transaction type, representation, required forms, conditional items, signatures, disclosures, supporting records and Lofty documentation. Then respond to any remaining TC compliance requests.
01
Correct Transaction?
Confirm the property and transaction type.
02
Correct Side?
Confirm whether you represent buyer, seller, tenant or landlord.
03
Correct Documents?
Use the checklist that matches the file.
04
Conditional Items?
Confirm every “if applicable” requirement.
05
Complete Execution?
Check signatures, initials and acknowledgments.
06
In Lofty?
Confirm the current file is available to the TC.
48
Hour Standard
Final Module Reminder
Executed Documents Go to Lofty.
All executed transaction documents must be uploaded to Lofty and the applicable transaction information provided within 48 hours of execution. The TC then uses the complete Lofty record to manage the Real Broker compliance process in REZen.
Agent
Agent → Lofty
Correct forms. Complete execution. Required disclosures. Current transaction record. Everything involving the client or transaction belongs in Lofty.
Transaction Coordinator
TC → REZen
Review the Lofty file, manage brokerage compliance, identify missing requirements and complete the applicable REZen workflow.
Module 05 Final Standard
The Executed Contract Controls. The Complete File Protects the Transaction.
Checklists help you build a disciplined file, but they do not replace the agreements actually signed by the parties. Read what was executed. Use the correct forms. Deliver the required disclosures. Document changes. Keep Lofty complete. And when you are unsure — stop and ask.
Module 05 Lessons Complete
Ready for the Contracts & Compliance Assessment?
You have completed all twelve Contracts & Compliance lessons. Continue to the Module 05 assessment to confirm your understanding of the C3 compliance standard.
Begin Module 05 Assessment →