Help

Contents

• Getting started (the steps, in order)
• Account
• Two-step sign-in
• Getting set up
• The two setup steps (shown on the Dashboard)
• Start a contract
• Properties list
• MLS listing sheet (any MLS)
• The property page
• Record the deal
• Upload a contract REO didn't write
• Listing agreements (F101)
• Loan exhibits (F404 conventional, F407 FHA, F410 VA)
• Other exhibits REO attaches to your offer
• Instructions to closing attorney (F255)
• Other states (Texas, Colorado, Wisconsin, Louisiana)
• Buyer brokerage agreements (F110)
• Amendments and notices (F701, F716, F704, F270, F522)
• Re-drafts and counteroffers
• Deadline countdowns
• All deadlines
• Deal summary PDF
• Review screen
• Filled Purchase & Sale
• Signing the contract
• Contract dates and calendar
• To-do list
• Combine and send (one PDF, emailed)
• Deal summary
• Email drafts
• Deal status and progress
• Use REO like an app on your phone
• Records and deletion
• Ask REO
• What REO can and can't do
• Daily briefing and document checklist
• Pricing
• While REO is in testing

Getting started (the steps, in order)

The Getting started list on your Dashboard checks each step off and disappears when you finish all six.

• Profile: add your name, brokerage and license number for each state you work in.
• My forms: upload your own blank copy of your contract once (the Georgia F201, another state's contract, or "Add any other form" for any form).
• Dashboard, "Start a new contract": choose the state, enter the property's address, press Start property.
• On the property, pick the form under "What are you drafting?", then record a voice note or type it.
• Review every field REO filled in, fix anything wrong, then approve.
• Download your filled form, or send it for signature. Your first full deal is free.

Account

• Create an account: open the site, choose Log in, then "Create your account". Enter your email and a password. Confirm your email with the link REO sends (check spam/promotions). Then log in.
• Already signed up but no confirmation email? Use "Forgot password" on the log-in page; it sends a reset link.
• Reset your password: Log in page, "Forgot password", enter your email, open the link, choose a new password.
• Log out: the "Log out" button at the top of every page.

Two-step sign-in

• Profile, then "Sign-in security": turn on two-step sign-in. Scan the QR code with an authenticator app (Google Authenticator, Microsoft Authenticator, 1Password), then type the 6-digit code. After that, REO asks for a code from the app each time you log in. Lost your phone? Email support@realestateecho.com from your account email.

Getting set up

• You can record your first deal right after creating your account. Two things are needed later: your profile before you approve a draft, and your Purchase & Sale copy before REO fills the contract.

The two setup steps (shown on the Dashboard)

• Profile (top menu: Profile), needed before you start a property. Enter your full name as it appears on your real estate license, your brokerage, and your license number for each state you work in (Georgia, Texas, Colorado, Wisconsin, Louisiana). A property can only be started in a state whose license number is on your profile. REO keeps a dated record of every license change, and prints that state's license on that state's forms. Optional saved defaults: closing law firm and its phone, earnest money holder, and due diligence days. Defaults fill in only when you don't say them, and they're marked for you to confirm. Also optional: your review link (Google, Zillow, Realtor.com), used in the closing thank-you email.
• Your Purchase & Sale copy (top menu: My forms), needed before REO fills the contract. Add your own licensed copy of the 2026 GAR F201 (10 pages). Either "Upload a file" (PDF, up to 15 MB) or "Paste a share link" from Google Drive, Dropbox or OneDrive (set sharing to "Anyone with the link can view"; REO keeps its own private copy, so you can turn sharing off after). REO checks it is the 2026 F201. If the licensee name printed on the form doesn't match your profile name, tick the box confirming the copy is licensed to you. Uploading a new copy replaces the old one; your uploaded copy is never changed by REO. My forms also takes your 2026 GAR F249 Counteroffer copy (3 pages), needed before REO fills a counteroffer. It also takes your 2026 GAR F101 Exclusive Seller Brokerage Engagement Agreement copy (11 pages), needed before REO fills a listing agreement. And your 2026 loan exhibits: F404 Conventional (3 pages), F407 FHA (4 pages) and F410 VA (4 pages). REO fills the one your offer uses and adds it after the Purchase & Sale in the same PDF. And your 2026 F255 Instructions to Closing Attorney (2 pages). And your 2026 amendments and notices: F701 Amendment to Agreement, F716 Amendment to Change Closing/Possession Date, F704 Amendment to Address Concerns with Property (2 pages), F270 Notice to Unilaterally Extend Closing Date for Eight Days, and F522 Unilateral Notice to Terminate Purchase and Sale Agreement. And your GAR F110 Exclusive Buyer Brokerage Engagement Agreement (06/01/26 edition, 8 pages).

Start a contract

• Dashboard: "Start a new contract", or top menu Properties, then "New property".
• Enter the street address, city, county and ZIP. A property is one address and one transaction.
• REO looks the address up in public property records once (parcel ID, county, subdivision, lot and block, legal description, owners of record, year built). These fill the draft marked "from property records" for you to check. Made-up addresses won't be found. "Look up again" on the property page refreshes them.
• If public records spell the street differently (a typo), the property page offers "Use the public-records address". It only works for the same house and only before a draft is approved.

Properties list

• Top menu Properties lists every property with its deal status and closing date. Filter by status (Drafting, Under contract, Closed, Not accepted or terminated) and sort by Newest or Closing date (soonest first; under-contract deals show how many days are left).

MLS listing sheet (any MLS)

• Writing an offer on another agent's listing? On the property's Records tab, add the listing from any MLS, in any state, one of three ways: its report as a PDF, a screenshot of the listing screen (PNG or JPG; on an iPhone take a screenshot rather than a photo), or "Paste listing text" (select all on the listing page, copy, paste). Up to 4 MB.
• Georgia MLS: open the listing, choose Print Reports, save FULL REPORT (PDF). The ONE PAGE REPORT also works but has no tax ID or legal description. A search-results list doesn't work for any MLS; open the listing itself.
• REO reads the MLS number, tax ID, legal description (deed book and page, land lot, district, section, plat book and page, when the report shows them) and the listing agent and office details (name, license numbers, MLS office ID, phone, fax, email). They fill your open drafts and every new draft, marked "From your MLS listing sheet".
• Georgia MLS reports are read by plain code. Other MLS reports, screenshots and pasted text are read with AI: from a PDF or pasted text, every value is matched to the report's own words (anything not found is left out); from a screenshot, every value is marked for you to check. Up to 10 AI reads per property per day.
• REO never uses the list price as the contract price, never changes a value you said, typed or confirmed, and flags any value that differs from public records. On your own listings (seller side) your profile fills the listing side.
• Private remarks, showing and lockbox details are ignored, and the file itself isn't kept. The listing must be for the same address as the property. No MLS data feed or IDX agreement is used: you use your own MLS access for your own deal.

The property page

• Each property has tabs: Draft (record and re-draft, list of drafts), Contract (fill and download the Purchase & Sale, or the F249 for a counteroffer, from the latest approved draft), Dates (Binding Agreement Date, deadlines, add to calendar), To-do (checklist with due dates), Combine & send (join documents into one PDF and email it), Summary (terms in plain words and the people in the deal) and Records (public property records).
• Deal status and the progress bar sit above the tabs. A number on the Draft tab means drafts are waiting for your review; a number on To-do is how many items are left.

Record the deal

• On the property page tap "Start recording", talk, then "Stop". Listen back if you like, then "Use this recording", or "Record again". Up to 5 minutes. "Type it instead" lets you type the terms.
• Just say what you know. Helpful things to say: which side you represent and your client's name; price, seller contribution, earnest money (amount and when); closing date and due diligence days; whether the home was built before 1978; loan type; anything special. Optional: when the offer expires, option money, possession if not at closing. Records like the parcel ID or the other agent's details can be filled in later.
• Speak clearly, close to the phone, in a quiet place. Spell unusual names if you can.
• REO transcribes the note and reads the terms. It only records what you actually said, and shows your own words as the source of each value.

Upload a contract REO didn't write

• On the property's Draft tab, tap "Upload a contract" (next to Voice note and Type it instead). Use it for the other side's counteroffer, an amendment, or the fully signed copy. PDF, up to 4 MB.
• For a first draft, choose which side you represent. On a property that already has a draft, REO starts from your latest draft and updates only what the document says (changed values show "changed from ...").
• REO reads the contract and shows every value on the review screen, marked "From the uploaded contract", with the words it read. Checked boxes and anything REO couldn't match are flagged for you to check. A scanned copy (a photo or scan) is read too, but every value is flagged. Handwritten changes are listed for you, not read.
• If the signed copy shows the Binding Agreement Date, REO saves it with the draft; approving it moves the deal to Under contract and the Dates tab fills in. Check the date there.
• "Download the uploaded contract" on the draft opens it to compare. The text REO read is deleted when you approve; the uploaded PDF stays with the property until its files are deleted.

Listing agreements (F101)

• On the property's Draft tab, choose "What are you drafting?" then "A listing agreement (F101)". Record or type the terms: seller's name, list price, how long the listing runs, your compensation, what is offered to the buyer's agent (if anything) and who pays it, the protected period, and built before 1978 or not.
• REO fills in today's date as the start date, your brokerage, name, license number and email from your profile, and the most common choices (immediate public marketing on the MLS; you help negotiate and fill out forms). Change any of them on the review screen.
• REO works out the rest: the percentages written in words ("Three", "Two and one-half"), the matching checkboxes, and for a home built before 1978 the Lead-Based Paint exhibit (F316) and the lead pamphlet.
• Approval waits until your compensation is stated, a buyer's agent offer has an amount, the ending date is after the start date, and every value REO read is confirmed. REO never guesses money or percentages.
• Fill it on the Contract tab with your own F101 copy (My forms). It shows above the offer as "Listing agreement". Re-drafts of a listing agreement start from your latest listing agreement and don't affect your offers.
• A listing agreement is not charged on its own and doesn't start the deal's 90 days. Listing agreements are drafted from a voice or typed note only (no upload), and e-signature for them is coming; for now download and send it with your usual signing tool.

Loan exhibits (F404 conventional, F407 FHA, F410 VA)

• Say the loan type and terms in your note: "FHA, 96.5 percent, 30-year fixed, no more than 7 percent, 21-day financing contingency". REO checks the matching exhibit on the Purchase & Sale and fills in the loan table.
• The form takes the loan as a percent of the purchase price. "20 percent down" becomes 80 percent (REO tells you it worked that out). A loan amount in dollars is asked back to you, because REO never guesses money.
• On the review screen the exhibit's own terms appear only for the loan type you picked: for FHA, the up-front mortgage insurance percent and how it's paid, who pays required repairs and up to how much, tax service fees and arms length; for VA, the funding fee, repairs, termite letter and water/sewer amounts; for conventional, the appraisal period. Approval waits until they're filled. FHA's minimum appraised value starts at the purchase price.
• A second mortgage: say its terms and REO checks box B. The loans can't add up to more than 100% of the price.
• Pick one loan type. Two loan exhibits on one offer can't be approved.
• When filling, REO adds the exhibit (from your own copy on My forms) right after the Purchase & Sale in one PDF. No copy yet? The Purchase & Sale is still filled, with a note that the exhibit wasn't attached.

Other exhibits REO attaches to your offer

• REO fills and attaches these from the same offer, from your own copies on My forms:
• F510 and F511: when the closing attorney holds the earnest money (REO checks the F510 box for you). The attorney's own part of the F511 is left for the attorney.
• F219: when the seller stays after closing (possession after closing). Not for more than 60 days.
• F222: when the buyer moves in before closing. Say the date, the daily rent, when and where rent is paid, and the security deposit; REO works out the monthly figure (daily × 30).
• F810 Pet Exhibit: with a temporary occupancy exhibit. Say the pets, the limits and any deposits or fees.
• F259: when your offer asks the seller to pay the buyer's broker.
• The Purchase & Sale has no checkbox for the F222 or F810, so REO lists them on a free "Other" exhibit line.

Instructions to closing attorney (F255)

• Once the contract is approved, choose "What are you drafting?" then "Instructions to closing attorney (F255)" on the property's Draft tab. Say how the brokers are paid at closing and any referral fees or rebates.
• Sections: 1 what the seller pays the seller's (listing) broker; 2 how much of that the listing broker shares with the buyer's broker; 3 anything the seller pays the buyer's broker directly; 4 anything the buyer pays the buyer's broker. Section 6: referral fees or rebates each broker pays, and who receives them (and their address if you say it).
• Percent means percent of the purchase price. A percent of your commission ("25 percent referral fee") is written in the "other" line in your words. Unclear amounts are asked back to you; REO never guesses money.
• Buyer and seller names, the address and both brokers come from the approved contract. The "dated" line is the contract's Binding Agreement Date, copied from the Dates tab; if it isn't set yet, the line stays blank.
• Approval waits until at least one of sections 1 to 4 is filled, each section has a percent or an amount (not both), section 2 isn't more than section 1, and every fee or rebate names who gets it.
• Fill it on the Contract tab with your own F255 copy (My forms). It isn't charged. E-signature for it is coming; for now download it and send it with your usual signing tool.

Other states (Texas, Colorado, Wisconsin, Louisiana)

• When you add a property, choose its state. For Texas, Colorado, Wisconsin and Louisiana, REO writes the state's main purchase contract: Texas TREC 20-19, Colorado CBS1, Wisconsin WB-11, or the Louisiana Residential Agreement to Buy or Sell.
• Add your own copy of that state form once on My forms (under "Other states"). The forms are free from each state's commission or board. REO checks it is the edition REO measured and never changes your copy.
• Record or type the deal terms the same way: side, client, price, earnest money, financing, closing date and anything special. Review, approve, and fill it on the Contract tab.
• For now, those properties get the main contract only. Contract dates, to-do lists, the document checklist, the summary and emails, counteroffers, amendments and e-signature are Georgia-only.
• Amounts written in words, joined names and the boxes that follow from your terms are filled in by REO.

Buyer brokerage agreements (F110)

• On a property's Draft tab, choose "What are you drafting?" then "A buyer brokerage agreement (F110)". Say the buyer's name, how long it runs, your compensation (percent, amount or other), whether the buyer wants you to ask the seller or listing broker to pay it, and the protected period. Optional: a lease fee, brochures given, special stipulations, the buyer's contact details.
• REO fills in today's date as the Starting Date, your brokerage, name, license number and email from your profile, and the ABCs of Agency brochure (CB01). It writes the percentage in words and checks the matching boxes.
• Approval waits until your compensation is stated, the buyer's choice about seller-paid compensation is stated, and the ending date is after the starting date. REO never guesses money or percentages.
• Fill it on the Contract tab with your own F110 copy (My forms). It is not charged. For now it is drafted from a property's page; the agreement itself names no property.

Amendments and notices (F701, F716, F704, F270, F522)

• Once the contract is approved, choose one under "What are you drafting?" on the property's Draft tab: an amendment (F701), an amendment to change closing or possession (F716), an amendment to address concerns during due diligence (F704), a notice to extend closing eight days (F270), or a notice to terminate (F522).
• Names, address, brokers and the Binding Agreement Date come from the approved contract. Just say what changes.
• F701: say each change; REO prints your words, numbered when there is more than one. REO never writes legal language. The amendment number counts the amendments approved in REO; confirm it if any were made elsewhere.
• F716: say the new closing date, possession, and whether the eight-day extension right ends or remains. The contract's closing date and possession are printed as what is being changed.
• F704: say each concern the seller will address, and whether the rest of the due diligence period ends once it is signed or continues. It can only be used while due diligence is still running (REO checks the contract's dates); after that, use an F701. Long lists continue onto page 2, then an F801.
• F270: say who gives notice and the reason(s). The new closing date is the current one plus eight days. The contract allows this extension once; REO warns if one was already approved.
• F522: say who terminates, why, and how the earnest money is split. The split must add up to the earnest money in the contract.
• Each approved amendment or notice is its own document, listed on the Contract tab. A new note after approval starts the next one; before approval, a note re-drafts the one in review. None of them are charged.
• Approving an F716 or F270 does not yet move the contract's closing date on the Dates tab; update it there.

Re-drafts and counteroffers

• Before any draft is approved, a re-draft rewrites the offer (Purchase & Sale). Re-drafts on a property are unlimited. A re-draft starts from your latest draft, so just say what changed ("counter at 430, closing moves to January 16th"). Everything else carries over, including what you already confirmed. Changed values show "changed from ..." for review.
• Tick "Start from scratch instead" for a completely new offer on the same property.
• Once an offer is approved and the property isn't under contract yet, a new note becomes a counteroffer on the GAR F249 (draft list says "(counteroffer)"). Say only what changes. REO compares it with the ORIGINAL offer, because each counteroffer voids the earlier ones, so every change from the original offer is listed again.
• On the F249 review: changed Section E terms (price, seller contribution, closing and possession, holder, closing attorney, earnest money, due diligence) print in full; every other change goes in Section F "Other Modifications". REO writes Section F for you; you can edit the wording and Save, or tap "Use REO's wording" to go back.
• A counteroffer's time limit is optional, like any offer's. REO doesn't reuse the original offer's; say it or type it if the counteroffer should expire.
• Want a whole new Purchase & Sale instead of a counteroffer? Tick "Rewrite the full offer (Purchase & Sale) instead of a counteroffer".
• The F249 is filled on your own F249 copy (My forms) on the Contract tab, like the Purchase & Sale.
• The address always comes from the property. For a different house, start a new property.
• Fair use: up to 25 drafts per property in 24 hours.
• A paid deal is active for 90 days from its first approved contract. After that, new offers and re-drafts on that property stop (start a new property instead), unless the property is marked Under contract: then it stays active until closing or termination. The property page shows the date.

Deadline countdowns

• Each upcoming deadline on the Dates tab shows a live countdown ("2 days, 6 hours left"), counted to 11:59 p.m. Georgia time (or the time shown). It turns amber in the last 3 days and red in the last 24 hours. Closing and possession show the days left. The Dashboard's Today card shows your next deadline across all deals with a big countdown, and a countdown next to each deadline this week.

All deadlines

• Top menu: Deadlines. Every upcoming deadline, closing and possession date across all your open deals, soonest first, grouped into This week, Next week and Later. Each shows the property (tap it to open its Dates tab) and a live countdown. Deals that are closed or terminated, and offer time limits after the offer was accepted, are left out. The Dashboard's Today card links to it ("See all deadlines").

Deal summary PDF

• Summary tab (or an approved draft): "Download summary PDF" makes a one- or two-page PDF of the approved terms in plain words, the key dates and the people, with your name and brokerage at the top, ready to send your client. Buyers and sellers show by name only (no phone numbers or emails); agents and the closing attorney show their contact details. It says the signed contract is what counts.

Review screen

• Each field shows its value and where it came from: your words, your profile, your saved defaults, property records, or a common default.
• "Confirm" accepts a flagged value. "Edit" or "Add" changes or adds a value. Fields with * are core deal terms.
• If something you said could mean two things (like "ten in seller help": $10,000 or 10%?), REO leaves it blank, highlights it with your exact words, and asks you to type the answer. REO never guesses money. Tap "Edit" to type it, or "Leave blank" if it doesn't apply.
• "Cash" checks the No Financing Contingency exhibit (F401); "conventional", "FHA", "VA" and "USDA" check their loan exhibits; "condo" and "lease purchase" check theirs. You confirm them like any other value.
• Fields marked "fill later or look up" (like MLS number, the other side's broker details, seller contact details) do not stop approval.
• If your profile isn't complete, approving asks you to add your name, the license number for the property's state and brokerage first (they go on the contract); REO then adds them to the draft.
• "Approve all fields" works once nothing is blocking. If it is greyed out, the list at the top says what still needs attention (for example a core term is missing, a value isn't valid, or dates are out of order).
• After approval the draft can't be edited, and the recording and full transcript are deleted. Make another re-draft if something must change.

Filled Purchase & Sale

• After approval, tap "Fill my Purchase & Sale" on the draft. REO prints the approved values on your own Purchase & Sale copy as a new PDF (your original copy is never changed) and downloads it. "Download filled Purchase & Sale" gets it again; the download link works for 5 minutes. "Fill again" makes a fresh copy.
• Signatures, initials, signature dates and the Binding Agreement Date are left blank for signing.
• If special stipulations are too long for page 9, REO says so; put them on an Additional Special Stipulations exhibit (F246).
• If your Purchase & Sale copy is laid out differently from the standard 2026 GAR F201, REO won't fill it (so nothing is printed in the wrong place). Upload a standard 2026 F201 copy.
• Check every page before sending it for signatures. You are responsible for the contract.

Signing the contract

• After you fill a contract, the Contract tab shows "Send for signature". It works when REO knows where the signature, date and initials lines are on that form: the Georgia F201 and any form you added yourself on My forms (REO finds those lines when it prepares your copy). For other forms the tab says so, and you download the filled form instead.
• Check your client's email address (add it if the draft has none). Tap "Preview where the boxes go" to see the signature, date and initials boxes drawn on your filled contract, then tap "Send for signature" and "Yes, send it". Nothing is sent until you do.
• Your client(s) get an email and sign, date and initial on their phone. REO places those boxes for you. Buyer's agents send to their buyers; listing agents to their sellers.
• You sign too: where the form has broker or licensee lines, REO sends them to you at your profile email and places your boxes.
• The Contract tab shows who has signed. Once everyone has signed, "Download the signed Purchase & Sale" appears. Send the signed offer to the listing agent, and keep a copy in your brokerage file (REO deletes records 7 days after the deal ends).
• The signing link reminds your client daily and expires after 10 days.
• You can still download the filled Purchase & Sale and use your own e-signature tool (DocuSign, Dotloop, Authentisign) or print it instead.
• Once both sides have signed, enter the Binding Agreement Date on the property's Dates tab.

Contract dates and calendar

• On an approved draft, the "Contract dates" card lists the offer date, when the offer expires, and closing.
• Once both sides have signed, enter the Binding Agreement Date and tap Save. REO then adds the deadlines: last day to object to the Binding Agreement Date, earnest money due (if paid later), when the holder must deposit earnest money (5 banking days), end of due diligence, option money due, and the lead-based paint inspection period for homes built before 1978.
• REO counts the way the Purchase & Sale does: the Binding Agreement Date is day zero, each day ends at 11:59 p.m., and deadlines are not moved for weekends or holidays (only closing is; REO warns if closing lands on one).
• "Add to my calendar" downloads a calendar file for Google, Apple or Outlook calendar, with reminders two days and one day before each deadline. If the dates change, download it again.
• The calendar file holds only contract deadlines and milestones, not every to-do item, so it won't crowd your calendar. To-do items stay on the To-do tab.
• Always check the dates against the signed contract.

To-do list

• On an approved draft, the "To-do list" card lists the usual steps from signing to closing (send the signed contract, earnest money receipt, inspection, repair amendment, loan and appraisal checks for financed deals, insurance, title, settlement statement, wire fraud warning, final walkthrough, closing, closed file), plus Georgia items like checking the Binding Agreement Date and the termite letter.
• Due dates come from the contract dates; enter the Binding Agreement Date to date them all. Tick items off as you go; overdue items show in red. They are general reminders, not legal advice.
• "Update by voice": tap it and say what's done, like "inspection's done and I got the earnest money receipt". REO ticks only the items you clearly say are finished (plans like "I'll send it tomorrow" are not ticked) and shows what it ticked. "Type it" works the same way. The recording isn't kept.
• Saving the Binding Agreement Date ticks "Check the Binding Agreement Date" for you.
• If the deal is marked Terminated, the To-do tab shows termination steps instead: termination notice delivered, earnest money released by the holder, tell the closing attorney, lender and inspector, (listing side) put the listing back on the market, and send the terminated file to your brokerage.

Combine and send (one PDF, emailed)

• The property's "Combine & send" tab joins the documents REO holds for that property into ONE new PDF and emails it. Use it to send a client or yourself the contract plus its exhibits in a single message.
• Step 1, pick documents: REO lists the filled contracts and forms, signed copies, contracts you uploaded, and the files you uploaded on the Documents tab (PDF, JPG or PNG; a picture is put on its own page). Only the newest version of each contract shows; tap "Show older versions" to see earlier ones. Each row shows its page count and file size.
• Step 2, order: ticked documents appear in a list. Type a number in the box or tap the up and down arrows to move one. The first is on top. REO shows the total pages and size.
• How it is sent: a packet up to about 10 MB is attached to the email. A bigger one (up to 15 MB) is sent as a secure download link that works for 7 days. Over 15 MB, untick something or send two packets. The screen tells you which will happen before you send.
• Step 3, who gets it: yourself and/or your clients (their emails come from your approved drafts when REO has them; you can fix or add them), or type another address. Up to 5 people. Everyone sees the other addresses on the email. When someone replies, it comes to you.
• Step 4, the email: a short subject and message are pre-written; change them as you like. It goes out as "Your Name via REO" with your own email as the reply address.
• Nothing is sent until you tap "Send the packet" and then "Yes, send it". REO merges the pages exactly as they are (it does not change any page), saves the packet as a NEW file (your originals are never touched), and records the send. Once emailed, a copy is in the recipients' inboxes and REO cannot take it back, so check every page first.
• Other documents: to add something REO does not print, like the seller's property disclosure (SPD) or the community association disclosure (CAD), use "Add another document" at the bottom of step 1: type a short name, choose a PDF, JPG or PNG (up to 15 MB), tap "Add document". It then appears in the list under "Other documents" with a checkbox like everything else, and "Remove" deletes it. It is only combined: REO prints nothing on it and there is no signing. It is kept and deleted with the property's other files.
• Limit: 10 packets per 24 hours.
• "Packets you made" lists earlier packets with Download and Delete. Packets are deleted with the property's other files seven days after the deal ends (Delete removes one sooner; emails already sent stay in the inboxes).
• Not yet: remembering your usual order, and sending a packet for e-signature.

Deal summary

• On an approved draft, "Deal summary" restates the terms in plain words and shows a card for each person: buyers, sellers, both agents and the closing attorney. It only shows what is in the draft.

Email drafts

• On the property's Summary tab, "Email drafts" writes common emails from the deal's approved terms and dates: the signed offer to the listing agent, an under-contract welcome to your client, an introduction to the closing attorney and lender, and a due diligence reminder.
• When the deal is marked Closed: a thank-you email to your client asking for a review and a referral (it includes your review link if you added one on your Profile).
• When the deal is marked Terminated: an email confirming the termination with the other agent and asking how to handle the earnest money.
• Tap one, check it, then "Open in my email" (opens your email app with it filled in) or "Copy". REO never sends them for you. Attach the contract yourself when needed.

Deal status and progress

• Each property page has "Deal status": Drafting, Under contract, Offer not accepted, Closed or Terminated. Saving a Binding Agreement Date moves it to Under contract automatically.
• Marking a deal Offer not accepted, Closed or Terminated starts a 7-day countdown (you already have your final copy as a PDF by then): the page shows the exact date all files and records for that property will be permanently deleted, and REO emails you a reminder 3 days before, once. The page shows a red warning when 3 days or fewer are left. Download your final PDF or combined packet first. Moving it back to Drafting or Under contract stops the countdown.
• The progress bar shows how much of the to-do list on the latest approved draft is done.
• Marking a deal Closed shows a reminder to thank your client and ask for a review and a referral (Summary tab, Email drafts). Marking it Terminated switches the To-do tab to termination steps.

Use REO like an app on your phone

• iPhone: open the REO site in Safari, tap the Share button, then "Add to Home Screen".
• Android: open the REO site in Chrome, tap the menu (three dots), then "Install app" or "Add to Home screen".
• REO then opens full screen from its own icon. There's nothing to download from an app store, and it always has the latest version.

Records and deletion

• Download your documents. All files and records for a property are permanently deleted 7 days after its transaction ends (Closed, Terminated or Offer not accepted), because by then you already have your final copy as a PDF.
• REO emails you once, 3 days before, naming the property and the date; the property page also shows a red warning when 3 days or fewer are left. Setting the Deal status back to Drafting or Under contract stops the countdown.
• A daily job does the deleting: filled and signed contracts, uploaded and added documents, combined packets, recordings, the MLS sheet, property records, drafts, dates and to-dos. REO keeps your account, billing records and an audit log of actions.

Ask REO

• The "? Ask REO" button is on every page. Your conversation stays when you move between pages, refresh, or reopen the app, until you close the browser tab. "New chat" starts over.
• When you're logged in, Ask REO can see a read-only summary of your own properties (status, contract dates, open to-dos, documents still needed, the other agent and closing attorney). Ask things like "What's due this week?", "Which documents are missing on Jamerson?" or "Draft a reminder to my buyer about earnest money." It drafts emails for you to copy and send; it can't change anything in REO, so tick to-dos and upload documents yourself.

What REO can and can't do

• Can: send your contract to your own clients to sign; turn a voice or typed note, or an uploaded contract, into a GA Purchase & Sale (F201) draft; look up public property records; let you review and approve every field; print approved values on your own 2026 F201 copy; combine documents into one PDF and email it to the people you pick (Combine & send tab); unlimited re-drafts per property (full deal); contract dates, calendar file and to-do list after signing; deal status and deletion countdown. It also writes the GA counteroffer (F249), listing agreement (F101), buyer brokerage agreement (F110), closing instructions (F255), amendments (F701, F716, F704), notices (F270, F522) and offer exhibits, and the main contract in Texas, Colorado, Wisconsin and Louisiana.
• Can't (yet): collect the other side's signatures; dates, to-dos and the other forms for states other than Georgia; read your email; give legal advice or tell you what terms to offer.
• You are responsible for the contract: check every page before it goes out.

Daily briefing and document checklist

• Dashboard: "Today" shows, across your open deals, overdue to-dos, today's deadlines and to-dos, the next 7 days and your next closing. It only counts properties with an approved contract that aren't closed, terminated or lost.
• Documents tab on each property: every document the approved contract calls for (the signed Purchase & Sale, each exhibit that's checked, your buyer brokerage or listing agreement, the earnest money receipt, the final settlement statement), with due dates. Upload a PDF, JPG or PNG (up to 4 MB), mark it received, or mark it not needed. Items past their due date show as Late. Files are deleted with the property's records 7 days after the deal ends.

Pricing

• Two ways to pay, per property. Buying isn't open to everyone yet; until it is, REO is free.
• When you pay: a property uses a deal when you approve its first draft. If you have both kinds, REO asks which to use. If you have none, the review screen offers checkout (Stripe) right there, and approval continues once paid. You can also buy ahead on the Billing page (Billing in the top menu), where you'll see your deals and payments.
• Full deal, $30: one price per deal. Unlimited offers, counteroffers and re-drafts, signing, dates, to-do list and emails. Lost offers carry over: if a buyer's offer isn't accepted, mark the property "Offer not accepted" (Deal status, on the property page) and the deal moves to the same buyer's next house, up to 10 houses or 180 days from the first. Start the next house as a new property; when you approve a draft with the same buyer name, REO uses the carry-over and charges nothing. Moving the status back cancels it.
• Single Offer, $15: one contract on one property. Includes the voice draft, unlimited fixes before you approve, the filled Purchase & Sale, one send for signature, and, if it's accepted as written, the dates, calendar, to-do list, summary and emails. Counteroffers, re-drafts after approval and carry-over aren't included: upgrade to a full deal for $15 more, so you never pay more than $30 for the deal.
• Your first full deal is free: unlimited offers, counteroffers and re-drafts on that deal, at no charge. It's used automatically on the first property you approve.
• Upgrading a Single Offer: approve another contract on that property and REO shows "Upgrade to a full deal, $15". Reading back the signed copy of your Single Offer contract is included; reading the other side's counteroffer needs the upgrade.
• EchoMedia is a $20 add-on: $50 with a full deal, $35 with a Single Offer.
• Purchased deals expire 12 months after purchase. The free first deal doesn't expire.
• Receipts come from Stripe, REO's payment company. Refunds: see the Refund Policy.

While REO is in testing

• Use fake client names, fake phone numbers and fake emails. Real public addresses are fine for testing the records lookup.