Note: This is a virtual event. Zoom will be shared only with RSVPed people. It is for education purposes ONLY. This is not a sales or marketing event.

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Summary:

Whether you’re preparing to buy your first home, upgrade, downsize, or sell an existing property, the real estate process can feel like a maze of negotiations, paperwork, and risks. This panel brings together experts in brokerage, legal, finance, and title research to illuminate the transaction from both sides of the table—ensuring that buyers and sellers alike walk away with insights that can save money, reduce stress, and protect their interests.
The discussion will center around four critical areas that often determine the success—or failure—of a deal:

1. Brokerage & Agency Relationship – Learn how to structure the buyer-agent and seller-agent relationship to ensure loyalty, transparency, and alignment of interests. Understand the hidden traps of representation agreements.
2. Transaction Security & Title Research – Discover how title searches, lien research, and due diligence can protect you from hidden risks—whether you’re a buyer ensuring clean ownership or a seller trying to deliver marketable title.
3. Legal Implications & Liability – Explore the legal responsibilities that both buyers and sellers carry in a deal, and the costly mistakes people make when they overlook disclosure obligations, inspection reports, or contract fine print.
4. Financing & Insurance – Gain clarity on how mortgages, loan approvals, and mortgage insurance work in today’s lending environment—and what pitfalls can derail a closing if you’re not prepared.

Attendees will walk away with a 360-degree understanding of the transaction process, equipped with strategies to protect their investment, avoid liability, and negotiate from a position of strength—whether they are buying or selling.

ert advice.

## Top 5 Provocative Questions for Panelists

• Brokerage/Agency Relationship
• “How can a buyer or seller be sure their agent’s loyalty isn’t split, and what red flags suggest you may be working with the wrong broker?”
• Transaction Security / Title & Liens
• “What is the single most shocking issue you’ve uncovered in a title search or lien report, and how can buyers and sellers avoid those landmines?”
• Legal Responsibility & Liability
• “If a deal falls apart or a hidden issue is discovered after closing, who ends up on the hook—the buyer, the seller, or the broker? What’s the biggest legal trap each side needs to be wary of?”
• Financing / Mortgage & Insurance
• “What’s the most common mistake buyers make when applying for a mortgage—and what’s the one thing sellers should know about their buyer’s financing before accepting an offer?”
• Cross-Cutting / Buyer-Seller Lens
• “If you could give just one piece of ‘insider advice’ that would save both buyers and sellers the most money, frustration, or legal trouble, what would it be?”

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Biographies of the Panelists:
Dennis Driscoll has over 20 years in the real estate industry as a sales person, broker, manager and educator, His goal is to assist real estate agents to serve their clients at the highest levels.

Debra Malanga - has over 25 years of experience in the real estate and financial services industry. Debra brings a wealth of knowledge and perspective to the Real Estate Industry. She began her career in 1999 as a mortgage originator before earning her real estate license in 2005. Shortly after she expanded her expertise by obtaining her title insurance license and notary commission. Debra has also served as a managing broker for many years, giving her firsthand insight into the challenges and opportunities agents face in today’s market. Currently, a full-time Title Insurance Account Executive, where she partners with agents, attorneys, and clients to safeguard transactions and deliver concierge-level service throughout the closing process.

Richard Sanvenero, Jr. is a Founding Partner at Sanvenero & Cittadino Attorneys at Law. He was a former Partner at the Law Office of McGoughran & Sanvenero. He received his undergraduate degree from Rutgers University in 2010 and his Juris Doctor from Barry University School of Law in 2013. He is an active member of the Monmouth County Bar Association, Middlesex County Bar Association, New Jersey State Bar Association, New Jersey Association for Justice, New York City Bar Association, New York State Bar Association, American Association for Justice, Phi Alpha Delta Law Fraternity, and the American Bar Association.

Kevin Liotta - is a dedicated loan officer at The Federal Savings Bank, who specializes in helping clients achieve their homeownership and financial goals. With a deep understanding of mortgage products, Kevin provides personalized loan solutions tailored to each client’s unique needs. His expertise spans a variety of loan options, including FHA, VA, conventional loans, and refinancing solutions.
Kevin takes pride in guiding clients through the mortgage process with clarity and efficiency, ensuring that they feel supported at every step. With a focus on building lasting relationships, he is committed to providing exceptional service, offering transparent communication and exp