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Patricia Boyd, the author and co-founder of the Residential Finance Specialist (RFS) (formerly known as the CFS) designation program wrote a book for consumers based on the philosophy of the RFS program. This book promotes working with an honest, ethical real estate team and promotes the value of RFS designees.

As the authors note, real estate transactions have heretofore been treated as the selling of a product, whether the product be the property itself or the mortgage loan that finances it. The historical focus has, therefore, been on salesmanship: getting the property sold or the loan made. Lacking in this focus has been the interests of the real estate consumer -- the buyer or the seller. This book introduces something new and something revolutionary into the world of real estate transactions: a view of the buying or selling of real estate as a "consumer-driven" process, of buyers and sellers as informed consumers, and of real estate brokers and mortgage lenders as consumer advocates. The book serves as a road map for buyers and sellers who want to participate actively and intelligently in their realty transactions... and who want to stop getting "ripped off" by brokers, lenders and other service providers who put their own interests ahead of the consumer's interests. Just as importantly, the book shows real estate brokers and mortgage lenders how to work with this dawning new world of informed consumers -- not in the old way as salesmen, but rather as professional consumer advocates. It is the twin goal of the book, one it certainly attains, of educating real estate buyers and sellers how to be informed consumers and also training brokers, lenders and service providers as to how to be their advocates.

 atricia Boyd brings vast experience as a top-producing real estate broker, real estate trainer and instructor and Residential Finance Specialist, to produce a practical, well-written and inspiring book that may well launch a new way of buying and selling real estate. As a former real estate broker with a number of professional Realtor designations (ABR, CIPS, CRB, CRS, and GRI), and now as a real estate attorney actively advocating the interests of buyer and seller clients, I applaud this book as the herald of a new real estate consumer revolution. 

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