Frequently asked questions
Clear answers. No confusion.
These are the questions smart buyers and sellers ask before they commit. Tap any question below to expand and read the answer.
Plain English: Great transactions feel simple. Most real transactions aren’t. This FAQ page helps you make informed choices before the pressure hits.
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Want the big picture first? Start here: How It Works • Protection Mindset
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FAQs
Tap a question to expand. Questions are grouped by topic for easy browsing.
Are safeguards for buyers, sellers, or both?
Both. Buyers and sellers face different risk points. Your Guardian Agent helps plan for each side of the transaction using a protection-first process and (when available) plan options subject to terms.
What’s the difference between a good agent and a Guardian Agent?
A good agent negotiates and closes. A Guardian Agent also uses a protection-first process—clear expectations, stronger documentation, and safeguard options that may help reduce financial shock if a transaction fails to close (subject to terms).
What are common buyer transaction failure pressure points?
Inspection findings, repair negotiations, appraisal issues, financing conditions, timeline delays, and second thoughts. These are normal friction points—planning for them early matters.
Do I still need an inspection if safeguards exist?
Yes. Safeguards are not a substitute for due diligence. Inspections help you understand condition and negotiate repairs, price, or terms before you commit.
What are common seller transaction failure pressure points?
Buyer financing issues, inspection negotiations, timeline delays, appraisal gaps, buyer cancellations, and re-listing challenges. Sellers can also face carrying costs and disruption to their next move.
If my buyer backs out, how do Safeguard Plans help?
Plans are designed to help reduce financial shock when a transaction fails to close. If reimbursement is available, it may apply to certain eligible documented out-of-pocket expenses, subject to plan terms and limits.
What if I need to sell and buy at the same time?
Timing is a real risk point. We’ll map out contingencies, deadlines, possession options, and realistic backup plans to reduce last-minute pressure and protect your move.
Are Safeguard Plans required to work with the Guardian Real Estate Team?
No. Our protection-first process helps regardless. Plans may be offered as an additional layer that could provide reimbursement benefits under certain conditions, subject to written terms.
When do I receive a Safeguard Plan?
Plan access (when available) is typically provided when a buyer’s agency or listing agreement is signed. Your Guardian Agent will explain options and provide the written terms tied to your transaction.
If I buy and sell a house, will I get a Safeguard Plan for each transaction?
Yes. If you complete both a purchase and a sale with our team, you can receive a Safeguard Plan for each transaction (when available), with terms and eligibility tied to that specific deal.
Can I choose a different plan for my buy versus my sale?
Often, yes. Because each transaction has its own price point, timing, and risk profile, your plan level (when offered) may differ between your purchase and your sale. Your agent will confirm options and provide written terms for each deal.
What does “eligible costs” mean?
Eligible costs are specific, documented out-of-pocket expenses that may qualify under your plan’s written terms and limits when a transaction fails to close. Exact eligibility depends on the plan you select.
Is this insurance?
No. Realty Guardian® is not an insurance provider. If reimbursement benefits are offered, they are subject to eligibility, documentation, plan limits, and plan terms.
What documentation might be needed for reimbursement (if applicable)?
Documentation may include receipts, invoices, proof of payment, contracts or addenda, and evidence that the transaction did not close for a covered reason—based on the plan’s written requirements.
Are Guardian Agents attorneys or financial advisors?
No. Guardian Agents are licensed real estate professionals. They do not provide legal or tax advice. You should consult the appropriate professionals for those matters.
Why do you use the term “safeguards”?
Because real estate has predictable risk points. Safeguards refer to a proactive transaction process—planning, communication, documentation, and clear expectations—so issues are handled earlier and with less stress.
Still have questions?
Let’s talk it through—quickly and clearly.
If you’re buying or selling in Topeka or the surrounding counties, we’ll help you understand your next step and what risks to plan for—before pressure hits.