February brings thoughts of flowers, candy hearts, greeting cards, and love letters. For real estate professionals, however, the phrase "love letters" often triggers a very different association: buyer love letters. These are the personal notes some buyers attach to their offers in hopes of standing out in a competitive market.
Typically, these letters include family photos, personal stories, and explanations of why a buyer feels emotionally connected to a home. While the intention may be heartfelt, the practice carries real legal risk for both buyers and sellers. Love letters can reveal information related to characteristics protected under fair housing laws, such as family status, religion, national origin, disability, or other personal traits that should never play a role in a housing decision. When these details are introduced, even unintentionally, they can lead to claims of discrimination or the appearance of bias.
As an association, we encourage a simple and effective rule: keep offer evaluations focused strictly on the terms of the contract. For this reason, many brokerages have policies against presenting or accepting buyer love letters. Sellers who wish to reduce risk can work with their Realtor to communicate a clear policy at the time of listing and to return or withhold any unsolicited letters that may accompany an offer. Buyers can protect themselves as well by avoiding personal letters altogether and allowing the strength of their offer to speak for itself.
So how can buyers stand out in a competitive market without introducing risk? Focus on what matters most to sellers. Present clean, well-documented financing with strong lender support. Offer a realistic closing timeline that aligns with the seller's needs. Your Realtor can help you structure these elements strategically, ensuring your offer is both competitive and compliant.
Sellers also play a key role in creating a fair and efficient process. Work with your Realtor to establish how offers will be reviewed, set consistent timeframes for responses, and rely on objective criteria. Ask clarifying questions only about the terms of the contract, not about the people behind the offers. A transparent, consistent approach helps all parties feel respected and minimizes misunderstandings down the road.
There is still plenty of room for humanity in real estate transactions, without introducing legal risk. Buyers can show respect by meeting deadlines, communicating promptly through their Realtor, and treating the home with care during showings. Sellers can contribute by providing accurate disclosures and well-prepared listing materials that clearly communicate the property's features and benefits.
Professionalism is personal, and it goes a long way in real estate. If you have questions about strengthening an offer or evaluating multiple offers fairly, connect with a local Realtor. We're here to help you compete wisely, comply with the law, and close with confidence. #That'sWhoWeR
Greater Chattanooga REALTORS® is The Voice of Real Estate in Greater Chattanooga. A regional organization with nearly 3,000 members, Greater Chattanooga Realtors is one of some 1,200 local boards and associations of Realtors nationwide that comprise the National Association of Realtors. Greater Chattanooga Realtors service Hamilton and Sequatchie counties in southeast Tennessee, and Catoosa, Dade, and Walker counties in northwest Georgia. For more information, visit www.gcar.net or call 423.698.8001