If You Can’t Point to It, You Can’t Prove It

“Subject to” transactions often show up as creative solutions - one party sells, another takes over payments.

We need to acknowledge that it is complicated when ownership, occupancy, and responsibility don’t all sit with the same party.

Dreaded words for every agent: “The buyer couldn’t get the loan.” But in Georgia? That statement alone doesn’t end the story.

Think of the financing exhibit as more than just a contingency — it is a transaction roadmap. Along the way there are important moments . . .

In Georgia real estate contracts, there are defaults that DO NOT automatically terminate the contract. Instead, GAR contracts often require notice and an opportunity to cure before a party can take further action.

This article walks through all of the revised disclosure-related forms used in Georgia residential transactions — F301, F302, CAD, Lead-Based Paint, and 2 New GAR Disclosures — with an emphasis on what is actually required, what is optional, and how agents should use each form in practice.