Complete Real Estate
Transaction Management


Here’s the Concept:

Once you’ve found the right property and negotiated the terms of the sales contract, there remain a number of important tasks to be done to manage and close the transaction – such as property inspections, condominium documents and association approvals, mortgage financing, title issues, and finally the closing itself. While the buyer’s Realtor will help with these tasks, most of these tasks lie outside the realm of the Realtor’s licensure and expertise. Buyers need guidance, consultation and timely coordination in each of these critical transaction steps by a professional with experience, appropriate licensure and responsibility for liability in all these tasks – what we call Transaction Management.

That’s where we come in. Under the aegis of real estate attorney Raymond J. Bowie, we represent the buyer and work directly with the buyer in coordinating all transaction tasks, including:

  • legal representation & consultation
  • advising on mortgage alternatives
  • tracking critical contract deadlines
  • tax and estate planning consultation
  • reviewing property inspections
  • searching title, curing title problems
  • analyzing association documents & budgets
  • performing the closing & title insurance

Important Note: Transaction Management is limited to residential property purchase transactions. Benefits of Transaction Management are available only under contracts in which the buyer has the right to choose the closing agent for issuance of title insurance.

Here’s the Benefit to the Buyer:

Under our Transaction Management, once the property is under contract the buyer has one point of contact for all steps in the transaction – legal advice, contract deadlines, required notices, questions, mortgage options, inspections, estate and tax issues, and closing.

All of the Transaction Management is supervised by attorney Raymond J. Bowie, Florida Board Certified in Real Estate Law, who represents the buyer and provides legal counsel and protection to the buyer.

The buyer will be given a password to log onto our interactive website – RayBowieClosing.com – for a complete timeline of the buyer’s transaction, required deadlines and up-to-date status of what has been done, keeping the buyer fully informed from contract to closing.

We consult with the buyer’s Realtor as we manage the transaction – and the Realtor is afforded the same access as the buyer to our online transaction platform.

The buyer is given our written contractual assurance – our Transaction Management Service Commitment – pledging our fiduciary duty to manage the buyer’s transaction and our liability for protecting the buyer’s interests.

What are the Costs?:
  • Total Transaction Management is provided for a packaged fee of $750.00 This encompasses everything from contract review through title & closing services
  • All our transaction services are also available separately, at $200.00 each
  • As an option, closing & title search alone would cost Buyer $250.00
  • Our fees will be charged Buyer at closing
  • Title Insurance will be charged the Buyer separately at closing

Our Credentials for Transaction Management:

Property Inspection Reports, Review, Analysis and Consultation:

Ray Bowie is one of the attorneys who drafted the property inspection clauses of the local real estate sales contract and the related forms utilized in home inspections, termite inspections, radon gas, lead paint, toxic mold and other environmental assessments. He has taught Realtor and homebuyer seminars on property inspection issues. Among his credentials, he is also designated a Registered Home Inspector (RHI) by the Housing Inspection Foundation; Certified Environmental Inspector (CEI) by the Environmental Assessment Association; Certified Construction Inspector (CCI) by the Association of Construction Inspections; and Phase I Environmental Assessment Certified and Mold Inspection Certified by the EAA. These credentials assist in his evaluation of property inspection reports and consultation with buyers on inspection issues and buyer’s inspection rights under the contract.

Condominium and Homeowner Association Documents, Review and Consultation:

Condominium buyers are entitled by law to receive and review hundreds of pages of legal documents, rules and financial statements to determine the soundness and acceptability of the condominium association. Buyers in homeowners' associations may, by contract, obtain the same rights. The trick is to ferret out the truly important information as to each association's restrictive covenants and financial soundness. Ray Bowie is licensed by the State of Florida as a Community Association Manager and credentialed as a Certified Manager and Association Management Specialist by the Community Associations Institute. This specialized training allows him to assist clients in reviewing and interpreting association documents and financial statements with particular focus on the adequacy of the association’s reserve accounts.

Mortgage Financing, Consultation and Brokerage:

Ray Bowie is licensed by the State of Florida as a Mortgage Broker, designated a Certified Finance Specialist by the Residential Finance Council, and specially trained in Mortgage Law by Attorneys' Mortgage Services. With this knowledge and training, he offers consultation to buyers on financing alternatives and can evaluate mortgage packages offered buyers by lenders. For qualified borrowers, Mr. Bowie may also be able to secure "par rate" mortgages, i.e. at direct wholesale secondary-market interest rates without any lender mark-up, for total loan fees including appraisal of only $1,000.

Title Search, Examination and Closing:

Ray Bowie is a Florida Bar Board Certified Real Estate Attorney with expertise in title searches, curing title defects, and handling closing problems that may arise. He is also appointed by the Florida Secretary of State as an International (Civil-Law) Notary, capable of preparing and certifying documents for foreign nationals and for use in international transactions. For years, he has assisted the Naples Area Board of Realtors with legal issues, drafting of the local sales contract forms, and teaching Realtor seminars on contract issues, property inspections, title insurance and community associations. He has chaired the Collier County Bar Association Real Estate Section for two terms. And he publishes regularly as a real estate columnist in the Naples Daily News.

1031 Tax-Deferred Exchanges:

In addition to Transaction Management, Ray Bowie offers clients access – through Lawyers Title & Escrow, Inc., a qualified intermediary – to tax deferred exchange services for a standard fee of only $500.00. Tax-deferred exchanges of real property under I.R.C. Section 1031 have become an increasingly popular tax avoidance strategy for astute investors. Reverse or improvements exchanges are also possible through Lawyers Title & Escrow, Inc. for fees ranging from $1,500 to $2,500.

Here’s How Transaction Management Works:

Step #1 You send us the signed Contract
Or you can have us review the Contract in advance, before you make the offer
Step #2 You enclose our Transaction Management Cover Sheet
This gives us basic information about the buyer and the transaction
Step #3 We contact the buyer & provide Transaction Management Service Commitment
This Commitment is our written agreement to handle transaction management for the buyer We also give the Buyer the password to the Buyer’s online transaction platform on our website
Step #4 We issue all parties a written timeline with contract performance deadlines
This alerts both parties – and their agents – to dates when actions or notices are required
Step #5 We receive and review inspections reports, association documents, etc.
We advise you directly and answer your questions as to these reports and documents.
Step #6 We work with the Buyer's mortgage lender to analyze best loan options –-- and we advise the Buyer directly if we can provide better loan options
For qualified borrowers, we may be able to secure wholesale rate mortgages with loan fees including appraisal of only $1,000. ($300 appraisal deposit paid upfront.) Program excludes investment or commercial properties or subprime borrowers.

Step #7 We consult directly with the Buyer on legal questions, inspection issues, association documents & approvals, how best to take title, and tax & estate planning issues

Step #8 We give all notices required of Buyer -- and monitor Seller’s contract performance

Step #9 We search title, correct any problems, handle closing, issue title policies


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900 Sixth Avenue South, Suite 104, Naples, Florida 34102 | Phone: (239) 435-1007 | E-Mail: ray@raybowieclosing.com
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