Jeremy Ruff Buying & Selling Academy
Short, plain-English video walkthroughs of every form and document you'll actually sign as a Hampton Roads buyer or seller — so you know exactly what you're looking at before you sign it.
Buyer's Track
Every form a Hampton Roads buyer will see, from your first agreement to the keys in your hand.
Buyer Agency Agreement — What You're Signing & Why
What this agreement means, who it protects, and why it comes before you tour a single home.
Pre-Approval Letter & Loan Estimate Explained
How to read a pre-approval letter and loan estimate so the numbers actually make sense.
The Purchase Agreement, Line by Line
A walkthrough of the sales contract — what you're agreeing to and where the negotiation room is.
Home Inspection Contingency & Addendum
How the inspection contingency protects you, and what the addendum actually changes in your contract.
Financing Contingency & Appraisal Gap Coverage
What happens if your loan falls through, and what an appraisal gap addendum means for your offer.
Residential Property Disclosure & Disclaimer
What sellers are (and aren't) required to tell you, and how to read between the lines.
HOA/POA Resale Certificate & Bylaws
What's in a resale certificate, why it matters, and the red flags worth watching for.
Homeowners & Flood Insurance Basics
What Hampton Roads buyers need to know about insurance before they close.
VA Loan Addendum for Military Buyers
The extra paperwork VA buyers see, explained in plain English.
Closing Disclosure & Settlement Statement
Your final numbers before closing day — what to check and what questions to ask.
Seller's Track
Every form a Hampton Roads seller will see, from listing agreement to closing day.
Listing Agreement — What You're Signing & Why
What this agreement covers, how long it lasts, and what it means for how your home gets marketed.
Seller's Property Disclosure & Disclaimer
What you're required to disclose in Virginia, and how to fill this out correctly.
Your CMA Explained
How a Comparative Market Analysis sets your price — and why guessing costs you money.
Home Prep & Staging Checklist
The highest-return prep steps before your home hits the market.
Reviewing & Negotiating Offers
How to read multiple offers side by side and negotiate the terms that matter most.
Inspection Response & Repair Addendum
How to respond to a buyer's inspection requests without giving away more than you need to.
Appraisal Gap Coverage, Seller's Side
What an appraisal gap addendum protects you from when a buyer's loan is on the line.
HOA/POA Resale Certificate Requirements
What you as the seller need to provide, and how to avoid delays at closing.
Closing Disclosure & Settlement Statement
Your final proceeds statement — what to check before you sign.
Post-Closing & Moving Checklist
The last-mile details after closing day so nothing falls through the cracks.
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