Elena Ginsberg, Greenwich, CT Realtor

to all properties that meet your criteria. If you are unclear as to how much you can afford, check out Prudential Connecticut Realty's Jump Start Program and get a full loan commitment from a lender before you begin your search. This program can put you a ahead in the pre-approval process. With our Jump Start Program, you will get a full loan commitment from a lender before you make an offer.

Our advanced computer systems increase the efficiency and accuracy of our mortgage services, including a computerized analysis of the loan product and mortgage lender that best suits your qualifications. Fill out the form below to find out more about the Jump Start Program.

The first step in finding a home is choosing a broker to work with you to meet your goals. The type of relationship formed between a broker and a client is a fiduciary relationship based on trust. The broker owes a client: Loyalty; Obedience; Diligence; Disclosure; Confidentiality; Accountability; Reasonable Skill & Care.

A buyer's agency is a real estate broker who acts in a fiduciary capacity for the prospective buyer. The buyer's agent owes the buyer undivided fiduciary obligations and must put the buyer's interest first, negotiating for the best terms and conditions for the buyer.

A seller's agent is a real estate broker who acts in a fiduciary capacity for the owner. The owner may authorize their agent to cooperate with other brokers to find a buyer for the property. The seller's agent owes the owner undivided fiduciary obligations and must put the owner's interest first, negotiating for the best terms and conditions for the owner.

A dual agent is a real estate broker who acts in a fiduciary capacity for both owner and buyer after their informed consent. A dual agent does not exclusively represent the parties and they cannot expect undivided loyalty. However, the dual agent must be fair and honest to both owner and buyer. A dual agent cannot disclose confidential information about one party to the other unless authorized or required by law.

Generally, when two designated agents are appointed one will represent the prospective buyer and the other will represent the owner. After the buyer and owner have consented to the designation, the designated buyer's agent and designated seller's agent owe their clients undivided fiduciary obligations. However, confidential information obtained before the designation must remain confidential. But confidential information obtained after the designation about another party can be disclosed to a client because a designated agent is not a dual agent, and thus does not owe fiduciary duties to the other party. In designated agency, all sales executives in the brokerage firm who are not designated are dual agents.

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