---
referrals: 2
kind: book
owner: buyers-agent-mj
updated: 2026-10-23
---

# Real estate network

> When to use: A buyer's agent keeps the people a home purchase needs (a lender, an inspector, a closing attorney), each with their haves and their agents, and gives referrals to clients with consent first and every loop closed.
> Change every id, date and number. Roles and initials only; contacts are hashed, never written out.

## Parties

### buyers-agent-mj
- kind: person
- ref: https://example.com/referrals.md#mj
- categories: home-buying
- areas: example-city

### assistant-mj
- kind: agent
- for: buyers-agent-mj

### buyer-dk
- kind: person
- contact: h:fabc5ac80882201834ffacc530ae6453533a54444548b251920774a1160cedbe
- note: a first-time buyer

### lender-rs
- kind: person
- ref: https://example.org/referrals.md#rs

### desk-rs
- kind: agent
- for: lender-rs

### inspector-tp
- kind: person

### closing-attorney-ca
- kind: person

### intake-ca
- kind: agent
- for: closing-attorney-ca

## Haves

- buying-mj by buyers-agent-mj: home-buying; tags first-time-buyer; area example-city; capacity 8; load 5; available yes
- lending-rs by lender-rs: mortgage-lending; summary pre-approvals and fixed-rate loans; tags first-time-buyer, fixed-rate; area example-city, remote; capacity 12; load 7; available yes; budget 150000-900000
- inspection-tp by inspector-tp: home-inspection; tags radon, sewer-scope; area example-city; capacity 20; load 14; available limited; budget 300-900
- closing-ca by closing-attorney-ca: real-estate-closing; tags title-review; area example-city; capacity 10; load 4; available yes; budget 800-2500

## Needs

### mortgage-dk
- by: buyer-dk
- category: mortgage-lending
- summary: pre-approval for a first home
- budget: 300000-450000
- where: example-city
- by_date: 2026-09-15
- requirements: first-time-buyer
- privacy: limited
- status: filled
- opened: 2026-08-20

### closing-dk
- by: buyer-dk
- category: real-estate-closing
- where: example-city
- by_date: 2026-11-20
- requirements: title-review
- privacy: limited
- urgency: high
- status: matched
- opened: 2026-10-19

## Agents

- assistant-mj for buyers-agent-mj: scope ask, give, close; since 2026-09-01
- desk-rs for lender-rs: scope accept; since 2026-01-10
- intake-ca for closing-attorney-ca: scope accept, perform; since 2026-03-01

## Connections

- buyers-agent-mj ~ buyer-dk: context client; since 2026-08-01; last 2026-10-20; interactions 26; initiated_by_a 14; initiated_by_b 12
- buyers-agent-mj ~ lender-rs: context partner; since 2019-06-01; last 2026-09-30; interactions 48; initiated_by_a 30; initiated_by_b 18; vouches mortgage-lending
- buyers-agent-mj ~ inspector-tp: context colleague; since 2021-05-10; last 2026-10-15; interactions 22; initiated_by_a 15; initiated_by_b 7
- buyers-agent-mj ~ closing-attorney-ca: context colleague; since 2018-02-01; last 2026-10-02; interactions 35; initiated_by_a 20; initiated_by_b 15

## Referrals

### ref-mortgage-dk
- need: mortgage-dk
- have: lending-rs
- given_by: buyers-agent-mj
- why: category, first-time-buyer, area
- disclosure: none
- fee: none
- consent: buyer-dk: parameters and identity; lender-rs: identity and contact
- status: closed
- ended: completed
- asked: 2026-08-20
- suggested: 2026-08-20
- consent_requested: 2026-08-20
- consent_given: 2026-08-21
- introduced: 2026-08-21
- responded: 2026-08-22
- started: 2026-08-25
- finished: 2026-09-10
- closed: 2026-09-12
- outcome: 5
- thanked: yes
- reported_to_referrer: yes

### ref-closing-dk
- need: closing-dk
- have: closing-ca
- given_by: buyers-agent-mj
- why: category, title-review, area
- reply_by: 2026-10-26
- status: consent_requested
- asked: 2026-10-19
- suggested: 2026-10-20
- consent_requested: 2026-10-21

## Rules

- disclosure: required
- fees: not_allowed
- consent: double
- max_hops: 2
- close_within: 14