Practice Test 1 (2) Flashcards
Which of the following organizations provides errors and omissions insurance for the real estate industry? (Select one)
Bank of Canada, Errors and Omissions Dept.
Canadian Mortgage and Housing Corporation (CMHC)
Canadian Real Estate Association (CREA)
Institute of Real Estate Management (IREM)
Real Estate Insurance Exchange (REIX)
Service Alberta
Real Estate Insurance Exchange (REIX)
Kenny is a licensed assistant for Balloon Realty. He is under investigation for misconduct. Kenny decides rather than go through the hearing process, he is just going to apply to withdraw from membership. Which of the following statements are TRUE, with regard to the impact of the withdrawal request? (Select ALL that apply)
The Industry Council must accept the withdrawal request; proceedings would automatically cease.
The Industry Council may reject the application; proceedings would continue. If accepted, proceedings would cease.
Withdrawal results in a 5-year ban from licensing in the industry.
Withdrawal results in a 10-year ban from licensing in the industry.
Withdrawal results in a lifetime ban from holding only the licence Kenny currently held in the industry.
Withdrawal results in a lifetime ban from holding any licence in the industry.
The Industry Council may reject the application; proceedings would continue. If accepted, proceedings would cease.
Withdrawal results in a lifetime ban from holding any licence in the industry.
True or False: You must first be hired by a brokerage to finalize the licensing process and complete the authorization.
True
Which of the following occurs when the demand for properties outweighs the availability of properties? (Select one)
Market economy
Market equilibrium
Market shortage
Market surplus
Market Shortage
True or False: Real property consists of both physical objects (real estate) and common law rights.
True
False
True
Real estate professionals dealing with this type of real estate should be aware of the usefulness of being able to recognize the capacity of a particular piece of land for carrying animal units without undue stress. Because maximum long-term production is governed by stocking rates to ensure the land is not abused, a licensee with this knowledge will add value to a transaction.
Which of the following real estate types is described in the above statement? (Select one)
Aquatic
Commercial
Residential
Rural
Rural
True or False: A brokerage is allowed to deposit funds received on behalf of clients into any brokerage account, as long as the deposit happens within two days.
True
False
False
Alberta’s real estate regulatory body is designed to accomplish which of the following? (Select ALL that apply)
Assist in the prevention of fraud
Increase the compensation packages of brokerage associates
Protect the consumer
Provide and maintain licensing for individuals meeting requirements of the Act and Rules
Provide advertising for top real estate brokerages
Assist in the prevention of fraud
Protect the consumer
Provide and maintain licensing for individuals meeting requirements of the Act and Rules
Which residential property type requires working with developers and builders, and may require you to accompany the buyer on their first visit to a show home to receive any compensation from the builder? (Select one)
Condominium Sales
Mobile Home Sales
New Residential Sales
Residential Sales
Recreational Property Sales
Rural Residential Sales
New Residential Sales
Which of the following are likely information sources that will enable a licensee to stay informed of market relevant information? (Select ALL that apply)
CMHC statistics
Dictionaries
Encyclopedias
MLS®
Newspapers to see latest interest rates and market conditions.
Statistics Canada (information on existing capital investment from both the private and public sectors)
Stock Market
Wikipedia
CMHC statistics
MLS®
Newspapers to see latest interest rates and market conditions.
Statistics Canada (information on existing capital investment from both the private and public sectors)
The Real Estate Act requires self-regulation of the real estate industry. Self-regulation means that the government, in this case the province of Alberta, allows those within the industry to use their specialized knowledge to regulate the industry.
True or False: In practice, this means Investigation and disciplinary action for real estate professionals is managed by RECA.
True
False
True
Bill and Linda have come to your Residential Real Estate brokerage and are looking at purchasing a large tract of land containing 40 lots, currently zoned and subdivided for residential development land, but is currently undeveloped. They are interested in buying the whole of the neighborhood and instead of subdividing it, they intend to just build two homes (one for themselves, and one for Linda’s aging mother), and use the rest of it as pasture to raise cattle and horses. You are a licensee specializing in residential real estate.
In this situation, which of the following statements is TRUE. (Select the BEST answer)
You can represent them as long as the zoning is residential property.
Bill and Linda should be represented by a licensee who has rural specialization, because Bill and Linda intend to use it as agricultural property.
Bill and Linda should be represented by a licensee who has commercial specialization, because Bill and Linda are purchasing more than four lots in a single transaction.
You should consult with the broker, as the person representing them likely needs specialization in multiple areas.
You should consult with the broker, as the person representing them likely needs specialization in multiple areas.
True or False: RECA automatically suspends a license during an investigation.
True
False
False
The Rules outline the management responsibilities of a broker. Select all of the following that are broker responsibilities. (Select ALL that apply)
Ensure proper management and control of documents or records related to licensing, registrations, and related regulatory requirements.
Ensure all documents related to trades are maintained or made available for the purposes of a RECA review.
Ensure the brokerage name is clearly indicated in all marketing and advertising.
Ensure all trust monies are properly accounted for.
Provide licensees and personnel of the brokerage with written policies and procedures.
Provide licensees with brokerage policies and procedures for their personal trades.
Ensure all documents related to trades are maintained or made available for the purposes of a RECA review.
Ensure the brokerage name is clearly indicated in all marketing and advertising.
Ensure all trust monies are properly accounted for.
Provide licensees and personnel of the brokerage with written policies and procedures.
Provide licensees with brokerage policies and procedures for their personal trades.
Regarding Supply and Demand:
True or False: Supply is the amount of a product that’s available for purchase. Demand is how much consumers want to buy the product.
True3
False
True
There are two ways for real estate professionals to connect with a brokerage: as an employee or an independent contractor.
Which of the two methods is under the direction and control of the brokerage representing the employer in all business dealings? (Select one)
Employee
Independent Contractor
Both Employee and Independent Contractor
None of the above
Employee
To be a broker, an individual must complete a set of requirements. Select the item below that is NOT a requirement to be a broker. (Select one)
All four practice courses (Residential, Commercial, Rural, and Property Management) so they are familiar with all aspects of trading in real estate.
At least two years of industry experience in the previous five years.
Broker pre-licensing education, which focuses on the regulatory responsibility of brokers.
Have a minimum of at least 3 associate brokers registered with the broker prior to opening the brokerage.
Have a minimum of at least 3 associate brokers registered with the broker prior to opening the brokerage.
Which residential property type is a type of ownership where individual owners own a specific unit, become part of a corporation, and the owners need to understand the implications of common property, fees, and reserve funds? (Select one)
Condominium Sales
Mobile Home Sales
New Residential Sales
Residential Sales
Recreational Property Sales
Rural Residential Sales
Condominium Sales
The RECA board is comprised of a board of directors. The board of directors is composed of seven people. Three are appointed by the Minister. The other four board members are elected from where? (Select one)
All seven are appointed by the Minister.
Each of the four industry councils elects one member.
Each of the four quadrants of Alberta elects one member.
The four largest Real Estate Associations elects one member.
The Public selects them at general elections to serve for four-year terms (rotating one each year).
Each of the four industry councils elects one member.
True or False: If at any time there is a shortage of money in an account in which money is held in trust, the brokerage shall deposit the brokerage’s own money into the account as soon as the amount of the shortage is determined.
True
False
True
Clark is living in Manitoba currently, but will be moving to Alberta as soon as he secures a home to live in. He will be paying in cash for the home (no mortgage). It is currently a “seller’s market” and properties are going fast. Clark has employed you to look into several properties he has found on the MLS®. You look at the properties and all of them have serious problems. In fact, Clark’s “favourite” home has a roof leak that is so serious it has caused flooding inside. While the current owner tells you it is now patched and “works fine,” you have doubts about the condition of the roof. You share these doubts with Clark via email and he tells you that he wants you to make a cash offer on the home immediately, and to notify the seller that he is waiving the condition to have a home inspection. You pick up the phone and call Clark. You again advise Clark that you think this is a bad idea, and provide reasons why. He thanks you, but insists that he wants you to make the offer.
Which of the following General Obligations represents why you will submit the offer on Clark’s behalf, even though you disagree? (Select one)
Act honestly.
Act in person.
Disclose information.
Exercise care and skill.
Maintain confidentiality.
Negotiate favourable terms.
Obey lawful instructions
Obey lawful instructions
Historically, it was assumed that every associate in a brokerage had equal access to the same clients and client information and therefore, under common law, it was acknowledged that agency relationship was always between the consumer and the brokerage. Regardless of the type of real estate (residential, rural, commercial, or property management), practice and brokerage models have now evolved enabling individual agents to maintain client confidentiality.
In Alberta, real estate brokerages may operate as one of two different types of brokerages. What are they? (Select one)
Crown law, and designated agency brokerages.
Designated agency, and common law brokerages.
Designated agency, and sole agency brokerages.
Implied agency, and designated agency brokerages.
Implied agency, and transaction agency brokerages.
Sole agency, and common law agency brokerages.
Designated agency, and common law brokerages.
Trust and confidence helps to ensure a client that you are doing everything you can to put their interests first. Which of the following helps to build trust or confidence between you and your client? (Select ALL that apply)
Being available when needed.
Being open and approachable.
Supplying their name to third-party advertisers as a surprise value to the customer.
Supporting the client’s best interests through the process of buying or selling a home.
Sharing another client’s humiliating experience to build rapport.
Taking time to answer their questions and support them with your expertise.
Talking about all the bad clients you’ve ever had, so they know you are open with your communication.
Giving best advice for the client, even when it is against the brokerage ir agents interests
Being available when needed.
Being open and approachable.
Supporting the client’s best interests through the process of buying or selling a home.
Taking time to answer their questions and support them with your expertise.
Taking time to answer their questions and support them with your expertise.
Floyd and Katherine are now empty nesters. They are looking to sell their large 5-bedroom home on a cul-de-sac and find a medium-sized property that has a primary bedroom in the basement. While they are looking for a smaller property, they aren’t necessarily looking for a cheaper one. They want all the modern amenities and upgrades available in higher end properties.
From the following list below, match the above description with the type of client. (Select one)
First-time buyer/seller.
Move-up buyer/seller.
Move-down buyer/seller.
Investment buyer/seller.
Elderly property owner.
Move-down buyer/seller.
Floyd and Katherine are now empty nesters. They are looking to sell their large 5-bedroom home on a cul-de-sac and find a medium-sized property that has a primary bedroom in the basement. While they are looking for a smaller property, they aren’t necessarily looking for a cheaper one. They want all the modern amenities and upgrades available in higher end properties.
From the following list below, match the above description with the type of client. (Select one)
First-time buyer/seller.
Move-up buyer/seller.
Move-down buyer/seller.
Investment buyer/seller.
Elderly property owner.
Move-down buyer/seller.
A real estate licensee is required to have the professional skill and capacity to know and address certain issues in a transaction before they arise. This is considered a “standard of care.” Therefore, real estate professionals should not wait for clients to ask specific questions or request specific services if they already know what would be required to prevent harm to client interests.
The standard of care to which real estate professionals are held includes informing the client of what? (Select ALL that apply)
Things they do not know to ask about.
The possible consequences of their lawful instructions to you.
The potential results of any decisions made.
Any costs to the trade that they may not have anticipated.
Things they do not know to ask about.
The possible consequences of their lawful instructions to you.
The potential results of any decisions made.
Any costs to the trade that they may not have anticipated.
Fraudulent misrepresentation occurs when a person knowingly makes false statements.
True or False: If misrepresentation is fraudulent, the wronged party can sue for damages caused.
TRUE
FALSE
True
Consumers and real estate professionals have working relationships that provide value to both parties. Real estate professionals are compensated in the form of monetary compensation paid to the brokerage. The consumer receives value in the form of services largely determined by what the consumer wants to get out of the relationship. From the below list, select all the items which apply to the value of the real estate relationship from the consumer’s standpoint. (Select ALL that apply)
Determining the appropriate value for a property on the open market.
Determining what action can be taken that will enhance the perceived value of their property.
Following the client’s legal instructions.
Explaining the impact of key economic indicators on the market and pricing.
Securing funding sources for down payments that do not need to be reported to the government or documented for insured loans.
Finding a property within their price range in the area they wish to buy.
Managing and creating all required legal documentation.
Signing documentation with their signature when they cannot be easily reached.
Being liable for the full price of a property if the deal falls through.
Managing the transaction process from start to finish
Listing a home on the MLS® system.
Determining the appropriate value for a property on the open market.
Determining what action can be taken that will enhance the perceived value of their property.
Following the client’s legal instructions.
Explaining the impact of key economic indicators on the market and pricing.
Finding a property within their price range in the area they wish to buy.
Managing and creating all required legal documentation.
Managing the transaction process from start to finish
Listing a home on the MLS® system.
True or False: Real estate professionals have a fiduciary obligation to customers.
TRUE
FALSE
False
A seller or buyer customer is an individual who has elected not to be represented by an agent in a transaction but instead represents themselves. If you represent the seller in an agency relationship, and the buyer is unrepresented (a customer), what should you discuss with the seller? (Select ALL that apply)
That you must act in the best interest of the customer.
That you must share all information given to you by the customer, with the seller, even if it is confidential (unless it were received while acting as the customer’s agent).
That you will not give the customer information or advice that is not in the seller’s best interests.
That you will use your judgement on the customer’s behalf and give them advice.
That you must share all information given to you by the customer, with the seller, even if it is confidential (unless it were received while acting as the customer’s agent).
That you will not give the customer information or advice that is not in the seller’s best interests.
Which of the following are other professionals that may be involved in a real estate transaction who are NOT licensed by RECA. (Select ALL that apply)
Licensed Condominium manager.
Photographers.
Licensed Property Manager.
Real estate brokerage administrative assistants.
Real estate lawyers.
Licensed Appraiser
Licensed Home Inspectors
Licensed Mortgage broker
Mortgage specialist from a bank or credit union
Residential Measurement service
Photographers.
Real estate brokerage administrative assistants.
Real estate lawyers.
Licensed Home Inspectors
Mortgage specialist from a bank or credit union
Residential Measurement service
Review each of the following actions and select those that demonstrate poor ethics and professional conduct? (Select ALL that apply)
Failure to meet the minimum required standard of conduct as defined by RECA.
Misrepresentation of facts, whether unknowingly, or intentionally.
Observing all policies and procedures in place at your brokerage.
Operating in contravention of the Real Estate Act Rules in any respect.
Acting as a Facilitator in a Transaction Brokerage capacity at a Common Law Agency Brokerage.
Declining to take on a client, due to personality incompatibility.
Failure to meet the minimum required standard of conduct as defined by RECA.
Misrepresentation of facts, whether unknowingly, or intentionally.
Operating in contravention of the Real Estate Act Rules in any respect.
True or False: Any instruction provided by the client in an agency relationship is protected. Even if unlawful, the licensee may not inform the local authorities.
TRUE
FALSE
False
Evaluate each of the following fiduciary obligations, and determine if it applies to a Sole Agency relationship with a SELLER. (Select ALL that apply)
Confidentiality.
Full accounting.
Full disclosure.
Hold funds in a private account for the buyer.
Obedience to lawful instructions.
Reasonable care and skill.
Signatory authorization for all real estate related transactions
Undivided loyalty.
Confidentiality.
Full accounting.
Full disclosure.
Obedience to lawful instructions.
Reasonable care and skill.
Undivided loyalty.
True or False: A Judicial Sale is forced by the courts as an act towards financial recovery for a third party.
TRUE
FALSE
True
Carter has come to Balloon Real Estate Brokerage to find an agent to sell his home. He works with Pradeep as his real estate agent, and signs a written service agreement (WSA). Pradeep explains that the brokerage operates in a way that each associate has their own clientele within the brokerage, and that they do not share information about clients between agents. The WSA also clearly explains that Pradeep is the only associate at the brokerage who will be able to assist Carter on behalf of the brokerage. Three days later, Francine comes into the same brokerage to buy Carter’s home. She meets Pradeep at the door who invites her in. Francine mentions the home, and Pradeep tells Francine that he needs to introduce another associate to Francine, as Carter has requested that Pradeep not represent both the buyer and seller in the transaction. Francine meets with Alayah who happily takes her on as a buyer client.
In the above Scenario, what is the brokerage model, and in what capacity are the clients being represented? (Select one)
Designated Agency and Sole Agency.
Designated Agency and Transaction Brokerage.
Common Law Agency and Sole Agency.
Common Law Agency and Transaction Brokerage.
Implied Agency and Self-Representation.
Self-Representation and Sole Agency.
Designated Agency and Sole Agency.
There are multiple types of authority in representation relationships. In this type of authority, a perfectly competent owner delegates signing authority with a notarized legal document to another person when they are unavailable, such as if they are travelling abroad and difficult to reach. (Select one)
Assignee.
Assignor.
Dower.
Executor.
Power of Attorney.
Probate.
Trustee.
Power of Attorney.
True or False: In order to facilitate each transaction fairly, a licensee in a transaction brokerage situation should provide copies of any documents or information requested by one side to the other side as well, so that each receives equal level of service.
TRUE
FALSE
True
The following list contains duties owed to clients in representation relationships and customers in non-representation relationships. Select the duties owed to customers in non-representation relationships (Select ALL that apply)
Giving them names of real estate service providers without recommending any specific service provider.
Giving them statistics and information on property, including comparable property information from listing services or other local databases.
Representing the client in a negotiation.
Presenting all offers and counter-offers to and from a customer, even if a seller may have accepted another purchase contract.
Providing a purchase contract document and other relevant forms, and helping them to complete them without advice.
Providing opinions of trending prices in the market for a specific area of town.
Giving them names of real estate service providers without recommending any specific service provider.
Giving them statistics and information on property, including comparable property information from listing services or other local databases.
Presenting all offers and counter-offers to and from a customer, even if a seller may have accepted another purchase contract.
Providing a purchase contract document and other relevant forms, and helping them to complete them without advice.
When purchasing a judicial sale property, in consideration of the serious risk of material changes to the state of the property between the offer acceptance date and the possession date, what strategy can be employed to protect the buyer? (Select one)
Hire a home inspector to do due diligence on the property prior to placing a bid, access is guaranteed by the courts.
Make it a condition of the bid to have the client act as “tenant” of the property during the acceptance and possession date, to enable the buyer to care for the property.
Order a pre-inspection certification, which is mandatory to be provided when requested of the courts.
Talk to an insurance broker and see what options are available for your buyer to purchase insurance to cover their financial interest in the home pre-possession.
Talk to an insurance broker and see what options are available for your buyer to purchase insurance to cover their financial interest in the home pre-possession.
True or False: The executor of an estate becomes the automatic property owner of the property to be disposed.
TRUE
FALSE
False
When using electronic advertising, including internet ads, which of the following is not an absolute requirement? (Select one)
Be true and accurate.
Clearly display the full name of the brokerage.
Disclose key information, including sources of information.
Use clearly marked disclaimers (hyperlinks) for additional information.
Use clearly marked disclaimers (hyperlinks) for additional information.
Which of the following are examples of fraud in real estate? (Select ALL that apply)
Answering the phone for a colleague to take a message.
Buyers who lend their name to the acquisition of property and mortgage application with no intention of becoming the owner other than on paper.
Pretending to be the property owner and leasing the property to a tenant.
Pretending to be the registered owner of a property to sell, mortgage, or otherwise encumber the property.
Verbally introducing yourself by your preferred nickname, instead of the name on your license.
Buyers who lend their name to the acquisition of property and mortgage application with no intention of becoming the owner other than on paper.
Pretending to be the property owner and leasing the property to a tenant.
Pretending to be the registered owner of a property to sell, mortgage, or otherwise encumber the property.
Failure to comply with the PCMLTFA may result in criminal or administrative monetary penalties. Criminal penalties can range from $500,000 to $2,000,000 dollars in fines and or imprisonment for up to five years.
In addition to criminal penalties, administrative monetary penalties can range up to $500,000 depending on the severity of the violation.
TRUE
FALSE
True
Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) differs from the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) in which of the following ways? (Select one)
PCMLTFA has an extensive website that provides numerous guidelines and notices for businesses that are mandated to use their system.
PCMLTFA is an independent agency, whereas FINTRAC is legislation.
PCMLTFA is legislation, whereas FINTRAC is an agency governed by the PCMLTFA.
There is no substantial difference, both are legislations that deal with money laundering.
PCMLTFA is legislation, whereas FINTRAC is an agency governed by the PCMLTFA.
Which of the PIPEDA’s Fair Information Principles is described as when a person gives permission to an organization to possess personal information? (Select one)
Accountability
Accuracy
Consent
Challenging Compliance
Identifying purposes
Individual Access
Limiting Collection
Limiting Use, Disclosure, Retention
Openness
Safeguards
Consent
To determine if the claim was false or misleading material, a court would consider whether an average consumer would likely be influenced into obtaining the product or service.
TRUE
FALSE
True
Which of the PIPEDA’s Fair Information Principles states that an organization must have policies and practices regarding how it manages personal information? (Select one)
Accountability
Accuracy
Consent
Challenging Compliance
Identifying purposes
Individual Access
Limiting Collection
Limiting Use, Disclosure, Retention
Openness
Safeguards
Identifying purposes
The Competition Act prohibits representations made to promote a product, service, or business interest that are false or misleading. Which of the following does this apply? (Select ALL that apply)
Marketing
Advertising
Social Media
Oral Claims
Marketing
Advertising
Social Media
Oral Claims
Real estate associates have a responsibility to keep client information protected. Which of the following are included in the individual real estate associate’s responsibilities? (Select ALL that apply)
Make a reasonable effort to ensure the information is accurate.
Notify the Privacy Commissioner of any incident involving loss, unauthorized access, or disclosure of personal information (breaches)where a reasonable person would consider there is a real risk of significant harm to an individual because of that breach.
Prepare and implement a compliance program consisting of appointing a compliance officer, maintaining current written compliance policies and procedures, training, and risk assessment.
Protect personal information by making sure they have reasonable security measures against risks.
Make a reasonable effort to ensure the information is accurate.
Notify the Privacy Commissioner of any incident involving loss, unauthorized access, or disclosure of personal information (breaches)where a reasonable person would consider there is a real risk of significant harm to an individual because of that breach.
Protect personal information by making sure they have reasonable security measures against risks.
As a licensee, you see different phrases for “personal information” that sound as though they mean the same thing. The three most common phrases are personal information, privacy, and confidential information. Which of the three phrases is information about an identifiable individual? (Select one)
Personal information
Privacy
Confidential information
Personal information
As a licensee, you see different phrases for “personal information” that sound as though they mean the same thing. The three most common phrases are personal information, privacy, and confidential information. Which of the three phrases is information about an identifiable individual? (Select one)
Personal information
Privacy
Confidential information
Personal information
To avoid making false or misleading statements, a real estate professional should always verify that their claim is true and accurate.
TRUE
FALSE
True
All of the following are examples of intentional false representations except which item? (Select the ONE that is not a false representation)
Advertising a certain commission rate but not disclosing that it is only for limited services.
Advertising where the description or photos of a property accurately show the property.
Showing lake front photos where the property is not lake front property to get additional interest
Advertised services are not included in the advertised commission.
Telling a buyer or real estate professional that there are competing bids when it is not true.
Advertising where the description or photos of a property accurately show the property.
During a real estate transaction, the buying associate must fill out a Fintrac ID on both the buyer and seller. If the seller refuses, the transaction cannot proceed.
TRUE
FALSE
False
Which of the following describes the purpose of the Environmental Protection and Enhancement Act? (Select one)
Enable the smaller government systems to create their own bylaws and grant approvals.
Grant ownership of mines and minerals associated with real property.
The legal framework upon which rights are granted by application to individuals or companies interested in harvesting the land’s mineral rich resources.
Support, protect, enhance, and ensure the sustainable use of our environment.
Support, protect, enhance, and ensure the sustainable use of our environment.
Which of the following groups have the right to have their personal information held as confidential and the right to choose what information to make available to others? (Select ALL that apply)
Client
Guest
Employee
Colleagues
Client
Guest
Employee
Colleagues
Obtaining consent is key when processing someone’s personal information.
Consent is when a person provides information to you, even when they do not know how you will utilize the information.
TRUE
FALSE
FALSE
As a licensee, you see different phrases for “personal information” that sound as though they mean the same thing. The three most common phrases are personal information, privacy, and confidential information. Which of the three phrases is the right of an individual to choose what information they make available to others, including an organization or government agency (Select one)
Personal information
Privacy
Confidential information
Privacy
Regarding Canada’s Anti-Spam Legislation (CASL), which of the following statements is NOT true. (Select one)
All electronic newsletters and marketing material need to have a clear “unsubscribe” capability.
Even if the client has given their permission to be sent electronic marketing, they have the right to change their mind and opt out.
Sending an email to request consent to send email is prohibited by CASL
It is a good practice and common brokerage policy to speak with your privacy officer or manager when embarking on a new marketing campaign.
Real estate professionals must have written permission for each call prior to the time they make a phone call to a client.
Real estate professionals must have written permission for each call prior to the time they make a phone call to a client.
