T

TERRITORY REALTY

National Authority · Est. by the Map
Steven Mock
Founder

Every broker gets a territory.

Territory Realty is the cloud brokerage being built on one asset: a verified map of who holds which metro. Bring the most people in, hold your market. Built for brokers and proven agents — brokers, 50+ closed deals, or 20+ with a TC. No offices, no percentage splits, the house takes a toll, not a cut.

The rule that runs everything: only verified accepted joins claim, hold, or flip a territory. Invites never score. Claim bar: 25 verified — it never rises. Kansas City is the house market, permanently.
🛟
Support Center
🧰
Agent Tools
📋
Forms & Paperwork
★ Open forms · submit paperwork
✉️
Contact Us
📰
News
🎓
Hub Academy
★ Learning
📣
Social Media
🗺️
Territory Map
★ No offices — territories
📅
Event Calendar
🤝
Referral Desk
★ Territory only
🌳
Lineage
★ Territory only
🎤
Speaker Sessions
★ Territory only

📲 Install this app

iPhone: open this link in Safari → Share → Add to Home Screen. Android: open in Chrome → ⋮ menu → Install app. One build, both phones — no app-store fees, no review queue. Works offline after the first load.

Where we are — the phases

Era 1 · FREE (now): the Hub builds the map. Era 2 · PAID: the Territory Desk — proven holders pay for control. Era 3 · BROKER: Territory Realty, the cloud brokerage for brokers and proven agents, territories written into the agreement. Each era starts when the previous one is proven, not on a date. First milestone: 10 verified claimed territories + 5,000 members.

Agent Tools

Platinum's tool bench, Territory Realty's build. Every card on this bench is live — tools, links, and downloads that work today.

🧮 Working tools

💰 Referral Split Calculator

Run the money on a referral before you send it — both sides of the deal, the way this program counts it. Type your numbers; the split updates as you go.

$
%
%
The side's commission$10,500
The referring partner makes$2,625
The agent who closes it keeps$7,875

One side's commission, split at the referral fee — before your brokerage split.

🏠 Seller Net-Sheet Estimator

What your seller walks away with, before you ever sit down at the listing table. Type your numbers; the sheet updates as you go.

$
$
%
%
$
Equity (price − payoff)$150,000
Commission−$21,000
Closing costs−$5,250
Other costs$0
Seller walks away with ≈$123,750

A planning estimate, not a settlement statement — the final numbers come from the title company's closing disclosure.

📋 Forms Portal

The complete forms library lives at your existing forms login — the portal stays as the full-library fallback. The everyday forms are also right here in the app’s Forms Library as PDFs. This button only opens that page — the app never stores or asks for your password.

Open Forms Portal →

Live link

🏛️ Brokerage Info

Territory Realty · Founder: Steven Mock · Home market: Kansas City (permanent house territory). Model: cloud-based, built for brokers and proven agents (brokers, 50+ closed deals, or 20+ with a TC), one exclusive territory per holder, flat fee + flat per-side toll (never a percentage split), two-level lineage override from the house share. Currently in Era 1 — the free Hub era that builds the verified map. Full legal/brokerage details arrive in Era 3.

Live summary

🖼️ Logos

The marks are live in the Brand Kit — the T mark and the wordmark, ready to download.

Live

🌅 Branded Facebook Covers

Territory Realty Facebook cover — navy with the gold T mark, TERRITORY REALTY, NATIONAL AUTHORITY

The Territory Realty agent cover, sized for Facebook (1640 × 924). Download it and set it as your profile or page cover — one brand, everywhere.

Download the Territory Realty agent cover

Live

📈 Marketing

Train in the Academy's Marketing trade now — the full chapter is live; the asset library grows from sessions.

Live chapter

🤝 Refer Agents

Sending a referral IS the Referral Desk — the holder is surfaced first, gets a 3-day window, and every referral that flows gets a proof post.

Live

🏥 Agent Healthcare

Straight answer: there is no brokerage health plan in Era 1 — like most independent agents, you buy individual coverage on the federal marketplace. Group coverage is a brokerage-era build; when it exists, this card becomes the plan page.

Shop individual coverage at HealthCare.gov →

Live link

🗂️ Admin Forms

The everyday admin staples, pulled straight from the library — tap to open the PDF:

All 106 forms — every contract, addendum, and disclosure — live in Forms & Paperwork.

Live

⭐ Preferred Vendors

The bench, by trade: Lender · Appraiser · Inspector · Title. One name we stand behind today:

🏦 Lending — Aaron C. McKeon, Generations Home Loans. The lender to call first on a Territory Realty file.

The rest of the bench is being vetted now through the Hub's Vendor Voices program — every vendor partner clears a get-to-know-you call before earning a slot, and this card fills as they clear. Education only, zero pitching: that's the rule for every name on it.

Live

📄 Paperless Pipeline

Live now: fill the form in the portal, check your role list, then upload finished paperwork to the cloud folder (Listings / Under Contract / Closings) or email it in — all from the Forms & Paperwork view.

Live

🖨️ Printing & Design

Design it in Canva, print it anywhere. Start from the Brand Kit files — sign, rider, logos — and build in the brand colors: Navy #0a1f44 · White · Gold #d4af37. Flyers, cards, door hangers, social posts — if it carries the mark, it carries those colors.

Open Canva →

Live

🔗 Dotloop

Your transaction files live in Dotloop — loops, tasks, and documents on every deal. Log in with your Dotloop account; this app never stores or asks for your password.

Log in to Dotloop →

Live link

✍️ DocuSign

E-signatures for the signer who's out of the area — send the contract, get it back signed. No printing, no driving, no chasing paper.

Open DocuSign →

Live link

🪧 Yard Signs & Riders

The territory-branded yard sign (24″ × 18″) and rider (24″ × 6″) files are live in the Brand Kit — hand them to your sign shop as-is.

Live

💳 Business Cards

Card = Ticket: only registered racers get a card in the Business Cards guide — it lives in the Hub group's Guides.

Open the Hub → Guides → Business Cards

📦 Marketing Materials

Start here — the stack that exists today:

  • 🎨 Brand Kit — the logos, yard sign, and rider files, ready to download.
  • 📈 The Academy — MKT 101 — the Marketing chapter: one listing, fourteen posts.
  • 👥 The Hub — the templates members are actually using, in the group, in use now.
Live

🏠 Virtual Tours

3D tours for listings — Matterport is the standard. Buyers walk the home online before they ever book a showing, and out-of-area buyers tour from anywhere.

Open Matterport →

Live link

📋 Forms & Paperwork

Your forms bench — open the portal to work your forms, then send completed paperwork straight to Steven in one tap.

📋 Forms Portal

The complete forms library lives at your existing forms login — the portal stays as the full-library fallback. The everyday forms are also right here in the app’s Forms Library as PDFs. This button only opens that page — the app never stores or asks for your password.

Open Forms Portal →

Live link

📝 What to turn in

Turn in your paperwork as you go — a little at each step, not a mountain at the end. Find your side below and check the boxes as each piece lands.

🟢 You're the SELLER'S agent — you upload:

  • ☐ Listing agreement (signed)
  • ☐ Seller's disclosure (signed)
  • ☐ Agency disclosure
  • ☐ Lead-based paint disclosure (pre-1978 homes only)
  • ☐ HOA documents (if any)
  • ☐ Signed contract + every addendum
  • ☐ Signed repair agreement
  • ☐ At closing: settlement statement
  • ☐ At closing: commission instructions
  • ☐ At closing: final walk-through form (signed)

🔵 You're the BUYER'S agent — you upload:

  • ☐ Buyer agency contract (signed)
  • ☐ Pre-approval letter (or proof of funds for cash)
  • ☐ Signed contract + every addendum
  • ☐ Earnest money proof
  • ☐ Inspection reports + inspection notice
  • ☐ Appraisal (when it comes in)
  • ☐ Title commitment (when it comes in)
  • ☐ At closing: settlement statement
  • ☐ At closing: final walk-through form (signed)

📤 The rules: Turn each piece in within 48 hours of its signature · One email per property · Subject line = the property address.

📤 Paperless Pipeline — Submit Paperwork

This is the paperless pipeline: fill the form in the portal, check the list above, then drop the finished paperwork here. In the folder, pick Listings, Under Contract, or Closings. Prefer email? Send it to soldbymock@gmail.com instead — either way it lands the same day. Your file goes to the brokerage — keep your own copies too.

Upload to the cloud folder →

Email it instead →

Live

📚 Forms Library

Every form, under your broker’s name — opens as a PDF right here. The Forms Portal stays as the fallback for the few special items not yet loaded. Tap a form and it opens right here — tap Back to return to the list.

★ Favorites

Sellers

Buyers

Sale & Contracts

Leasing

General

Manhattan

Helpful Hints

🎨 Brand Kit — Signs · Riders · Logos

The Territory Realty marks — one sign, one rider, one logo, everywhere. Navy · white · gold.

Territory Realty yard sign, 24 by 18 inches — navy with gold rule, FOR SALE, agent name and phone

Standard yard sign, 24″ × 18″. Navy / white / gold. Hand this file to your sign shop as-is.

Download the sign file (sign.svg)

Territory Realty sign rider, 24 by 6 inches — agent name, phone, and a QR code square

Hangs under the yard sign. Name, phone, and a QR that opens the app.

Download the rider file (rider.svg)

Territory Realty full-color logo lockup — navy tile with gold T, TERRITORY REALTY, NATIONAL AUTHORITY

Full color — the complete lockup on transparent. The everyday logo, for light backgrounds.

Download the full-color logo (SVG) Print PDF 300-DPI PNG

Territory Realty logo lockup in all white, shown on navy

All white — one-color version for dark backgrounds: navy signs, dark vehicles, evening wear.

Download the white logo (SVG)

Territory Realty logo lockup in all navy, shown on white

All navy — one-color version for light backgrounds and single-color printing.

Download the navy logo (SVG)

Territory Realty T mark — the app icon

The T mark — the app icon and social avatar, on its own. Download the T mark (icon.svg)

🖨️ Print shop pack

Everything a print shop needs to make your sign and print the logo — hand them these files as-is. The logos are vector: they scale to any size, from a business card to a billboard, without ever going blurry.

  • 🎨 logo-full.svg — full-color lockup, transparent background Download →
  • 🤍 logo-white.svg — all-white lockup, for dark backgrounds Download →
  • 🔵 logo-navy.svg — all-navy lockup, for light backgrounds Download →
  • 📄 logo-full.pdf — the full-color lockup as a print-ready vector PDF Download →
  • 🖼️ logo-full-300dpi.png — transparent PNG, 3600 px wide at 300 DPI (prints 12″ wide) Download →
  • 🪧 yard-sign-24x18.svg / .pdf — the 24″ × 18″ yard sign: lockup up top, rider space below for your name & phone SVG → PDF →

The specs a shop asks for:
• Navy — HEX #0a1f44 · closest CMYK 85 · 54 · 0 · 73
• Gold — HEX #d4af37 · closest CMYK 0 · 17 · 74 · 17
• Sign file prints at exactly 24″ × 18″, with all art kept ½″ in from every edge.
• The rider space on the sign is deliberate — the shop adds your name and number there, or you write it in.

🎓 Hub Academy — Learning

A trade school for the real estate trade. Six trades, a craft ladder, shop hours every day, and checkoffs that require posted evidence — proof, not claims. Free in the free era; the tuition is participation.

The craft ladder

Apprentice — every new member (the 7-Day Challenge is orientation week).
Journeyman — certified in at least one trade; gets the 🎓 line on the Directory.
Master — certified in 3+ trades, or a territory holder. Masters teach.
The Council — the masters' table: 10 seats, earned by the leaders who bring the most. Never sold.

Fall Term: Mon Oct 19 – Sun Nov 29, 2026 · Open enrollment, self-paced · First graduation: Nov 1, 2026 (Sales leads) · Sales checkoff = 5 evidences: your three opening questions posted · Sales quiz passed · flashcard set worked · one real pricing-checkpoint conversation reported · Glover session live or takeaway quiz.

The six courses

The full courses — SAL 101 · MKT 101 · LEN 101 · APP 101 · INS 101 · TTL 101 — roll out across the Fall Term (Oct 19 – Nov 29) with enrollment, module grades, and transcripts in this app. Until a course opens, its trade chapter below is the live reading — start there.

Courses roll out this term
📈

The Marketing Trade

The Content Engine: One Listing, Fourteen Posts — full chapter inside this app. Katie Lance teaches this trade Oct 28.

Live chapter
🤝

The Sales Trade

The Listing Conversation: From Hello to Signed — full chapter inside this app. Jeff Glover teaches this trade Oct 21. First complete track.

Live chapter
🏦

The Lenders Trade

The Questions Every Buyer Should Ask Before Rate Shopping — full chapter inside this app. Pairs with the group's daily Rate Ticker.

Live chapter
🔍

The Inspections Trade

The Seller Prep Checklist — full chapter inside this app. Vendor Voices chapter.

Live chapter
📐

The Appraisals Trade

The Packet That Defends Your Price — full chapter inside this app. Vendor Voices chapter.

Live chapter
🖋️

The Title Trade

The Wire Fraud Warning Script — full chapter inside this app. Read it to every client, every transaction.

Live chapter

MARKETING — The Content Engine: One Listing, Fourteen Posts

Realtor Referral Hub · Training Library · Hub Academy

Marketing fails for most agents because it's treated as a separate job. It isn't. Every listing, showing, and closing you already touch is two weeks of content — if you run the engine. Here it is.

The rule

One real estate event = fourteen touches. Not fourteen ads — fourteen pieces of evidence that you're the working agent in your market. People hire the agent they keep seeing do the work.

The fourteen, from a single listing

Before it lists

  • "Coming soon" teaser — the one detail that makes it interesting (the lot, the kitchen, the street), no address games.
  • Prep day — you/your stager/photographer working. Behind-the-scenes builds trust ads can't buy.
  • Price-guess post — "What do you think this [neighborhood] 3-bed lists at?" Guesses = comments = reach.

    • Live week

  • The launch post — best photo, the story of the home, who it's for.
  • A 60-second walk-through video — your voice, your market knowledge, one take is fine. Video of you working beats polished video of you posing.
  • The detail post — the one feature worth its own spotlight (the shop, the acreage, the ADU).
  • Open house invite — framed as a neighborhood event, not a sales event.
  • Market context post — "Three homes listed in [area] this week. Here's what that means for buyers." You become the market's narrator.

    • Under contract / sold

  • Under-contract announcement — fast contracts are proof of pricing skill; say how many days.
  • The story post — what made this one sell (prep, price, timing). Teach while you brag.
  • Sold post with the number — sold price vs. list, when you can share it. Results are the loudest marketing there is.
  • Seller review ask — posted with permission when it lands. Reviews are assets; collect them like commission checks.

    • The two that run forever

  • The database touch — every event above goes to your past clients and sphere as a personal message or email, not just a feed post. "Just listed on your old street" is the highest-converting sentence in real estate.
  • The referral ask — once per event cycle, plainly: "Know someone thinking about [your market]? I'll take care of them like I took care of this one." Agents who ask get referrals; agents who hope, don't.

    • The system, not the sprint

  • Batch the capture, not the posting. Shoot everything on listing day (photos, walk-through, teaser clips). Post across the cycle.
  • One channel deep before two channels wide. Master the platform your market actually watches before adding another.
  • Track touches, not likes. The metric is conversations started — DMs, calls, "my neighbor is thinking of selling." Vanity reach that books nothing is a hobby.
  • Your database is the channel you own. Platforms rent you attention; your list is yours. Every post's second job is growing the list.

    • Hub Academy — the Realtor Referral Hub's training track. Pair this with the Sales chapter: marketing makes the phone ring; sales makes it pay.

    SALES — The Listing Conversation: From Hello to Signed

    Realtor Referral Hub · Training Library · Hub Academy

    Listing appointments aren't won by presentations. They're won in the conversation — the seller deciding, usually in the first ten minutes, whether you understand their situation better than the other agent will. This is the structure that wins it.

    Before you walk in

  • Know the three numbers: what it should list at, what it will probably sell at, and the walk-away fact about this seller (their deadline, their next home, their real reason). Research the first two; the third you earn in the room.
  • Send the comps ahead, with photos — the seller who's already seen the evidence doesn't ambush you with a cousin's opinion at the table.

    • The three questions (ask before you present anything)

  • "What matters most about how this sale goes?" Price, speed, ease, privacy — every seller ranks them differently, and your whole pitch must be built on *their* ranking, not yours.
  • "What happens if it doesn't sell in the first month?" The answer is their true deadline and their fear. Both are things you can sell against; neither appears in a CMA.
  • "What did the last agent you talked to get wrong?" (Or: "What are you worried an agent will get wrong?") Their answer is the objection, arriving early, while you can still answer it with your plan instead of your defense.

    • The pricing conversation

  • Never argue for a number. Walk the comps and let the seller land near it — a price they feel they chose is a price they'll defend with reductions later; a price you imposed is one they'll blame you for.
  • Name the two failure modes plainly: price for the first two weeks (that's when the best buyers are watching) or price for the price cut. Sellers respect the agent who says the quiet part first.
  • If they insist above the evidence: agree on a checkpoint in writing — "If we don't have [X showings / an offer] by day [14], we adjust to [number]." A pre-agreed adjustment is a plan; an argued one is a fight.

    • Objections, handled as information

  • "Another agent said they could get more." → "They might be right about hoping. Here's what the sold homes say, and here's my checkpoint plan if the market disagrees with both of us." Never badmouth the other agent; out-evidence them.
  • "Will you cut your commission?" → Sell the stack, not the discount: what the fee buys (marketing, negotiation, the network) and what a cut removes. If you discount before you've presented value, you've announced there wasn't any.
  • "We want to think about it." → Find the real one: "Of course. So I leave you with the right thing — is it the price, the timing, or me?" Silence after that question is where the truth lives. Let it sit.

    • The close

  • Ask directly, once the plan is theirs: "Based on everything we've mapped out — are you ready for me to get started?" A clear ask at the right moment isn't pressure; it's professionalism. The agents who lose listings to "we'll think about it" usually just never asked.
  • Leave with the next step scheduled, not promised: photos booked, prep list agreed, launch date on the calendar — before you reach the door.

    • Hub Academy — the Realtor Referral Hub's training track. Pair this with the Marketing chapter: sales closes the appointments marketing creates.

    LENDERS — The Questions Every Buyer Should Ask Before Rate Shopping

    Realtor Referral Hub · Training Library · Vendor Voices series

    A buyer who shops on rate alone buys the most expensive loan in the room about half the time. Teach your buyers to shop the whole loan. These are the questions to put in their hands before they talk to any lender — including yours.

    The 10 questions

  • "What is the APR, not just the rate?" The rate sells the loan; the APR prices it. Two loans at the same rate can be thousands apart in cost.
  • "What are the total lender fees, itemized?" Origination, processing, underwriting, points. Ask for the Loan Estimate in writing — lenders must provide it within 3 business days of application.
  • "Is this rate locked, and for how long?" A quote without a lock period is a weather forecast. Ask what a longer lock costs.
  • "What does it cost to buy the rate down — and where's the break-even?" Points only pay if the buyer keeps the loan past the break-even month. Make the lender do that math out loud.
  • "What's the minimum down payment for this program — and what does the next tier down buy me?" Sometimes 1–2% more down changes the pricing tier and drops mortgage insurance.
  • "Is there a prepayment penalty?" Rare on standard loans, still worth one sentence of certainty.
  • "Who services this loan after closing?" The lender who originates may not be who the buyer calls in month two.
  • "What's your average close time on a purchase like mine — and what stalls your files?" A great rate that closes late is a breached contract and a lost house.
  • "What programs am I not asking about?" Renovation loans, buydowns, first-time and community programs, lender credits. The best loan is often the one the buyer didn't know existed.
  • "What do you need from me in the first 48 hours?" Fast, complete files get the good underwriter days. Teach buyers that paperwork speed is a pricing feature.

    • The agent's role

  • Send every buyer to at least two lenders with this list. Your job is comparison, not steering.
  • Watch the Loan Estimates side by side with them — Section A (origination charges) and the rate lock are where the money hides.
  • Never quote a rate to a client yourself. Rates move daily; point them to the group's daily Rate Ticker for the national picture and to their lender for their number.

    • Recorded live in Vendor Voices — the Hub's monthly vendor series. Education only; every lender conversation is the buyer's own.

    INSPECTIONS — The Seller Prep Checklist

    Realtor Referral Hub · Training Library · Vendor Voices series

    Inspections don't kill deals. Surprises do. Walk your seller through this list the week before the inspector arrives and you remove most of both.

    Fix before the inspector finds it (cheap now, expensive as a repair request)

  • Leaks — under every sink, around toilets, at the water heater. A $6 supply line reads as "plumbing issues" on a report.
  • GFCI outlets — test them in kitchens, baths, garage, exterior. Dead GFCIs are the #1 cheap-fix flag.
  • Smoke and CO detectors — present, working, in code-required spots. Missing detectors make buyers wonder what else was skipped.
  • HVAC filter + service sticker — a clean filter and a recent service record turn "aging system" into "maintained system."
  • Caulk and grout — showers and tubs. Black caulk reads as water damage whether it is or not.
  • Slow drains, running toilets, dripping faucets — every one becomes a line item.
  • Light bulbs — every fixture lit. A dark room photographs like a problem.
  • Window and door latches — anything that sticks or won't lock gets written up as a safety item.

    • Access (inspectors can't clear what they can't reach)

  • Attic hatch, crawlspace, electrical panel, water heater, furnace — all reachable, nothing stacked in front.
  • Pets out of the house. Utilities ON — a house that can't be fully inspected gets a re-inspection fee and a suspicious buyer.

    • Disclose, don't hide

  • Known issues go on the disclosure, priced into the list price. An inspector finding a *hidden* problem costs ten times the repair in negotiation and trust.
  • If a system is old but working, say so and show the maintenance records. Age is expected; neglect is not.

    • Set the expectation

  • Tell the seller: a good inspector finds 20–40 items on a well-kept home. That's the job working, not the deal failing.
  • The negotiation is about safety, structure, and systems — not the cosmetic punch list. Coach that line before the report lands so your seller doesn't panic at page one.

    • Recorded live in Vendor Voices — the Hub's monthly vendor series. Education only.

    APPRAISALS — The Packet That Defends Your Price

    Realtor Referral Hub · Training Library · Vendor Voices series

    You can't argue an appraiser into a value. You can hand them the evidence in the order they work — before they've formed an opinion. This packet goes to the appraiser at (or before) the appointment, through proper channels, every time your price needs defending.

    What's in the packet

  • The contract — full price, concessions, personal property, timeline. Appraisers appraise the deal in front of them; undisclosed concessions surface later and poison the file.
  • Your comp set — 3–5 closed sales you'd defend in a room, each with a one-line note: why it's comparable, what's adjusted, what the adjustment basis is (cost data, paired sales, local knowledge). Include the best comp even if it's not the highest — credibility with the appraiser is worth more than one cherry-picked sale.
  • Pending and active context — if your listing had multiple offers, say how many and at what level. Demand at the price is evidence.
  • The upgrade sheet — every improvement with dates and approximate costs: roof (2023), HVAC (2024), kitchen (2022). Appraisers can only adjust for what they can document.
  • The plat / survey and any permits — additions, conversions, and square footage questions answered before they're asked.
  • For unique or rural properties — the wider comp search you ran, including older sales and adjacent areas, with your reasoning. Unique homes are where packets earn their keep.

    • How to deliver it

  • Be brief, be factual, be gone. The packet speaks; a hard sell at the door undermines it.
  • Never pressure, never mention a "needed" value, never withhold the contract. Appraisers are required to be independent — your job is documentation, not influence.
  • If other offers existed, the listing agent's notes on showing volume and feedback belong in the packet too.

    • If it still comes in low

  • Read the report for errors first (wrong GLA, missed bath, wrong comp data) — factual corrections are legitimate and fast.
  • A reconsideration of value needs new evidence: a closed sale the appraiser didn't use, not a louder opinion of the same comps.
  • Know your contract's appraisal-gap terms before you need them — and coach your seller on the gap conversation at listing time, not at crisis time.

    • Recorded live in Vendor Voices — the Hub's monthly vendor series. Education only.

    TITLE — The Wire Fraud Warning Script

    Realtor Referral Hub · Training Library · Vendor Voices series

    Wire fraud is the one closing disaster that is almost entirely preventable — and the prevention is a two-minute conversation you have with every buyer, early, before any money moves. Criminals monitor real estate email, spoof the title company or the agent, and send "updated wiring instructions" that route a buyer's down payment to a criminal account. Once wired, it is usually gone.

    The script (say it, then email it, at first contract)

    "Before we go any further, I need to tell you how the money will move at closing, because there's a scam built around exactly this moment.

    You will get wiring instructions for your down payment and closing funds from the title company — once. If you ever receive an email saying those instructions have changed, treat it as fraud until proven otherwise. Do not call any number in that email. Call the title company at the number on their original paperwork — the number you already have — and verify before you send anything.

    I will never email you new wiring instructions. The title company will never change them by email at the last minute. If anything about the money looks urgent, secret, or different — stop, and call me and the title company on numbers you already trust."

    The agent's checklist

  • Deliver the warning at contract signing, not at closing week. Repeat it when the closing disclosure goes out.
  • Put it in writing in the same email thread as your other instructions — clients search their inbox under pressure; make the warning findable.
  • Get the title company's verified phone number into your client's phone contacts yourself, on day one.
  • Never forward wiring instructions from your own email — have the title company send them directly, through their secure channel.
  • If a client says they already wired funds to changed instructions: call the sending bank's fraud line and the FBI's IC3 (ic3.gov) immediately — recovery odds are measured in hours, not days.

    • The same conversation protects sellers

    Net-proceeds wires are targeted too. Sellers get the same warning, same script, same rule: instructions never change by email, verify by voice on a number you already have.

    Recorded live in Vendor Voices — the Hub's monthly vendor series. Education only. Read this script to every client, every transaction.

    🗺️ Territory Map

    The map is the firm. Gold = metros with racers · Grey = open. Regenerated weekly from the verified ledger. This image: October 18, 2026.

    Territory Realty — United States territory map, October 18, 2026: gold metros have racers, grey metros are open

    Open & bounty metros

    Weekly Open Metros post names the big unclaimed metros. Bounty metros (spotted in peer groups with no Hub registrant yet — 25 open as of Oct 19): Sacramento, CA · Baltimore, MD · Champaign, IL · Durham, NC · Laurel Hill, NC — and the full bounty board runs in the Hub. One map, three doors: a registration in the Hub, Worldwide Real Estate Partnerships — Realtor Network, or Worldwide Corporate Relocation — Realtor Network counts in all three.

    🎤 Speaker Sessions

    Live 30-minute Q&As in the Hub group — podcast-style, guest-led. The guest runs it solo and takes live questions; the guest keeps the recording. Cadence: 5/month (4 coach Q&As + 1 Vendor Voices, education only, zero pitching). New here? Comment your metro on a speaker post and you're registered in the territory race.

    Jeff Glover — Live Unreal / Glover U

    Wednesday, October 21, 2026 · 11:00 AM Central · Sales trade guest instructor. One of the top coaching operations in real estate, taking the group's questions live.

    Locked

    Katie Lance — social media for agents

    Wednesday, October 28, 2026 · 3:00 PM Central · Marketing trade guest instructor. How to actually get business from your content.

    Locked

    Michael Zuber — One Rental at a Time

    Wednesday, November 4, 2026 · 11:00 AM Central · How working agents buy their first rental — one property at a time.

    Locked

    📅 Event Calendar

    The house calendar — sessions, Academy rhythm, and race posts.

    DateEvent
    Mon Oct 19Hub Academy Fall Term opens (Oct 19 – Nov 29) · Glover announcement posts
    Tue Oct 21🎤 Jeff Glover live Q&A (Sales)
    Thu Oct 22Racer Spotlight #1 — Dawn Lawrence
    Fri Oct 23First Lineage Board post · On The Verge (Fridays, weekly)
    Wed Oct 28🎤 Katie Lance live Q&A — 3:00 PM CT (Marketing)
    Sun Nov 1🎓 First Academy graduation (Sales trade)
    Wed Nov 4🎤 Michael Zuber live Q&A — 11:00 AM CT
    Sun Nov 15Racer/partner 15-min calls begin (max 2/day, evenings & weekends)

    Weekly rhythm: Open Metros (weekly) · Racer Spotlight (Thu) · On The Verge (Fri) · Academy Daily shop post (daily).

    🤝 Referral Desk

    Today's concierge, graduated: the machine that makes a territory worth holding.

    How routing works

    Every out-of-market referral posted in the Hub is watched on a 30-minute cycle. The territory holder is surfaced and tagged first and gets a 3-day exclusive window to respond before the referral opens up. No holder yet? The metro's race leader is surfaced, and vetted partners fill the gap.

    Proof Posts ★

    Every real referral that flows through the Hub gets a post naming the giver and the receiver. The Desk's work is public — that's what makes the map worth paying for in the Desk era.

    Desk era (Era 2, when proven)

    Holders pay for control: referral lock, gate vetoes, fast-adds, monthly roster. One thing is charged — exclusive territory control (Desk seat, ~$250/mo per metro sketch). The Council seat is never sold; it's earned by the leader who works. (Paid era opens only when referral flow is proven.)

    Era 2 — not yet open

    🌳 Lineage

    Credit for who brought whom — two levels deep, on purpose. Deep enough to motivate, too shallow to be a pyramid.

    The weights

    Direct: 1.0 — the people you brought. Second level: 0.25 — the people they brought. Nothing past depth 2, ever. In the brokerage era the lineage override is paid from the house's share of transaction tolls — never stacked, never seven levels.

    First Lineage Board

    Posts Friday, October 23, 2026 in the Hub, then on the standing board rhythm. Standings run on verified joins only — the same ledger as the Race Board.

    First board Oct 23

    🛟 Support Center

    Help from the house — every answer in plain words. Tap a question to open it.

    📧 Contact Steven

    Broker questions, territory rulings, account help — go straight to Steven:

    soldbymock@gmail.com

    Territory rulings and program questions are answered by Steven personally.

    🏁 Race & territories

    What counts toward my metro?

    Only ✅ verified joins. A verified join is a licensed realtor who actually joined the group, is still a member, and passed the nightly check. Invites, pending joins, and estimates never score — they claim nothing.

    Verified, pending, estimated — what's the difference?

    Verified passed the check — the only number that counts. Joined · pending means the person joined and is waiting on tonight's check. Estimated is your invites times the group's measured join rate (about 4 in 10 invites join) — a good read on the real standings, but a guide, never a score.

    How do I claim a metro?

    Get to 25 verified joins from outside your market. When the count lands, the claim goes through a quick retention and license check, and the metro is yours. The bar is 25 — and it never rises.

    Can someone take my metro from me?

    Until it's locked, yes. Whoever has the most verified joins holds the metro, and a rival passes you only by getting strictly more verified than you. That's the overtake rule — and it runs on verified joins only, never invites.

    What does the Governor lock-in mean?

    The first racer to 500 verified in a metro earns Governor — and locks that metro permanently. After that, nobody can pass them, ever. The overtake race only runs below 500, before anyone locks.

    What if two of us are tied?

    Ties don't flip a metro. The holder keeps it until somebody has strictly more verified joins.

    Why did only some of my joins get credit?

    Two caps keep the race honest. One credit per city/metro on a claim — extra joins from the same metro add no credit. And no more than 5 credited joins can come from a single brokerage office or team. Nobody farms the 25 out of one office.

    Why don't joins from my own market count?

    The race is about building your out-of-market network — that's the whole point of the group. Credited joins come from realtors outside the metro you're claiming.

    What about Kansas City?

    Kansas City is Steven's, permanently — it's the house metro. KC-metro joins never count toward anyone's claim, for any metro.

    One of my joins didn't get credited — what gives?

    Your verified count comes from the ledger only, and Facebook's record wins on any conflict. A join credits through three rails: Facebook's "invited by" record, the daily tracking logs, or your invitee naming you in their join-question answers. If none of the three names you, it can't be credited — check those first.

    📣 Referrals

    How do I claim a referral?

    Claim it where the asker can see it: comment on their post in the group where they asked, then message them. If the need was shared into the Hub, also drop your metro in a comment on that post — that's what registers you on the Territory Board.

    What's the 3-day window?

    When a referral for a claimed metro is posted inside the Hub, the territory holder gets 3 full days as the only one who may respond — that's group rule #10. If the holder passes, or the 3 days run out, it opens to everybody.

    What about needs found in other groups?

    Those get brought into the Hub fast. If the metro has a holder, Steven names them right on the asker's post and alerts them the same hour — speed plus a personal intro. The 3-day window itself only covers referrals born inside the Hub.

    After I take a referral, what do I owe?

    Work it like your own client, keep the referring agent in the loop, and report back when it closes — reporting back is part of the deal when you take a Hub referral. Closings get celebrated in the group.

    Is there a referral fee?

    Referrals run on the standard broker-to-broker referral agreement between the two agents involved — the terms are theirs to set. The referral contracts are in the Forms Library when you need the paperwork.

    📂 Paperwork & forms

    📂 Paperwork help

    Paperwork goes to the broker only — submit through the Forms & Paperwork view in this app, or straight to the submissions folder:

    Territory Realty — Paperwork Submissions →

    Before you submit, check your file against the role checklists in Forms (Listing / Under Contract / Closing) — every required document, signed, all pages in.

    Where are the forms?

    In Forms & Paperwork, right here in the app — the full library of 106 PDFs, sorted by favorites, sellers, buyers, contracts, leasing, and general. Tap a form and it opens right here.

    How do I submit paperwork?

    To the broker only — never shop it around. Upload it to the submissions folder (the card above) in the right stage folder, or email it to soldbymock@gmail.com as the backup route.

    What gets a file sent back?

    Gaps against the checklist: a missing document, an unsigned page, pages left out. Check your file against the role checklists in Forms before you send it — that's the same list the broker checks it against.

    What are the three stages?

    Every file moves Listing → Under Contract → Closing, and each stage has its own short checklist in Forms — one list for the seller's agent, one for the buyer's agent. Turn the stage's list in within 48 hours of signatures.

    🎓 Academy

    What are the six courses?

    SAL 101 Sales · MKT 101 Marketing · LEN 101 Lenders · APP 101 Appraisals · INS 101 Inspections · TTL 101 Title. Each is built like a real college course: a syllabus, weekly modules, a midterm, a final, and a hands-on LAB.

    How do grades work?

    Every module is graded — homework, flashcards, a quiz — and 80% is the pass bar. Grades go on your transcript in this app; no pass, no credit for the module.

    What's a checkoff — the LAB?

    The practical exam. You post real evidence in the group — drill results, quiz answers, work product — and it gets checked off. No evidence, no checkoff.

    What's the class ladder?

    You start as an Apprentice and climb — Journeyman, then Master, then the Council — as you finish courses and checkoffs. Your standing shows on your record.

    When do classes run?

    The Fall Term runs October 19 – November 29, 2026, and it's self-paced — work the modules on your own schedule. All six courses are complete by January 19, 2027.

    What are the speaker sessions?

    Guest lectures. The live Q&As in the Hub — Jeff Glover, Katie Lance, Michael Zuber and more — are the Academy's guest lectures, run podcast-style by the guest, who takes questions from the comments.

    💰 Money & the Desk

    What does anything cost today?

    Nothing. The group, the race, the Academy, and this app are all free in Era 1 — the free era builds the map.

    What's the one thing that will ever be sold?

    Exclusive territory control — the Desk. That's the only thing that ever gets charged for. The Governor seat on the Council is never sold: it's earned at 500 verified.

    When does charging start?

    Only in a metro where referrals have actually closed — after the flow there is proven, not before. No metro gets charged on promises.

    Will I get charged for ground I built?

    No. The racers who built the map are grandfathered — nobody gets billed for ground they earned. The charge is for control and certainty, and it lands on latecomers, not builders.

    Are prices set yet?

    No — nothing is priced today, and nothing gets sprung on anyone. When pricing opens, it's announced in the Hub first.

    📱 App & account help

    How do I put this app on my phone?

    iPhone: open the app link in Safari → Share → Add to Home Screen. Android: open in Chrome → ⋮ menu → Install app. One tap from your home screen after that.

    Why am I seeing an old version of the app?

    You're probably opening it inside the Gmail app's built-in browser — it holds onto old copies. Open it in Safari instead; new versions push automatically and you'll always see the current one.

    Where are the Facebook groups?

    The Social Media page in this app links all five groups — the Realtor Referral Hub, Partnerships, Corporate Relocation, Homeowners, and Broker Insiders.

    Who runs this?

    Steven Mock, the founder. He's the only admin of the groups — there are no moderators, by design — and territory rulings and program questions are answered by Steven personally.

    Still stuck?

    Use the Contact Steven card at the top of this page — email soldbymock@gmail.com. That's the business inbox, and it's the fastest way to get an answer.

    ❓ Quick answers

    Who can join Territory Realty?
    Licensed brokers, agents with 50+ closed deals, or agents with 20+ closed deals who use a TC.

    What if I'm newer?
    Agents with as few as 2 closed deals can start with a mentor and a TC — mentor fee 30% at that level, 10% when you only need the mentor.

    ✉️ Contact Us

    Territory Realty

    Steven Mock — Founder
    Home market: Kansas City, MO/KS
    Door: the Realtor Referral Hub group (members) · Speaker & partner inquiries through the Hub.

    Email Steven — soldbymock@gmail.com

    That's the business inbox — no private phone is published in this app. Program help lives in the Support Center.

    📰 News

    📣 Territory Realty News

    Announcements from the house — Steven Mock, Founder.

    Oct 18, 2026 — Territory Realty agent app launches

    The agent app launches tonight: Hub Academy's six chapters, the Oct 18 Race Board and Territory Map, the locked speaker sessions (Glover Oct 21 · Lance Oct 28 · Zuber Nov 4), and the Forms Portal link — in Territory Realty navy, white, and gold. Era 1 continues: free, building the map.

    Latest

    Oct 17, 2026 — Boise crown pulled

    On recount, Boise / Treasure Valley showed 0 verified — the crown was pulled the same day and the metro returned to an open race, leader first in line at 25 verified. The system working as promised: no territory is crowned on pending counts.

    🏠 Real Estate Headlines

    The top stories from around the industry, refreshed with each app build — this set: Mon Oct 19, 2026. Tap a headline to read it at the source.

    Builder Sentiment Falls on Rising Rates

    NAHB · Oct 19, 2026

    Builder confidence fell to 29 in October — the lowest reading since 2012 — as mortgage rates above 7%, rising energy and material costs, and labor shortages squeeze new construction. Buyer traffic is at its weakest since 2012, and 43% of builders cut prices this month.

    Housing Week Ahead: Investor Buyer Report, Pending Sales, New Construction

    Realtor.com News · Oct 19, 2026

    Realtor.com's chief economist previews the week: pending home sales and new-construction data are on deck, last week's existing-home sales held onto a little momentum, and a late dip in Treasury yields could mean some mortgage-rate relief for buyers still shopping the seasonal sweet spot.

    Fannie Mae cuts 2027 origination outlook 18% on weaker refi volume

    HousingWire · Oct 16, 2026

    Fannie Mae's October outlook now expects 30-year rates to average about 7.5% in 2026 and stay high — it slashed its 2027 refinance forecast roughly in half and sees a purchase-driven market ahead. The MBA's forecast tells the same story: rates above 7% through 2027.

    Mortgage Rates Slightly Higher Today, But Sharply Lower This Week

    Mortgage News Daily · Oct 16, 2026

    After five straight days of improvement pulled the average top-tier 30-year rate down 0.27% from Oct 7, rates ticked up just 0.04% on Friday. Mortgage News Daily cautions that it's too early to call the drop a lasting shift — much of it rode on tech-stock jitters, not housing news.

    Only a Modest Decline For Mortgage Apps. Next Week Should Improve

    Mortgage News Daily · Oct 16, 2026

    Mortgage applications fell 2.7% for the week ending Oct 9 as the average 30-year rate hit 7.50% — its highest since November 2023. Purchase apps ran 16% below a year ago and more borrowers leaned on ARMs, but the sharp rate improvement since Oct 9 should show up in next week's numbers.

    Compass Sues CRMLS, Offers To Pay Agents' MLS Fines

    Inman · Oct 16, 2026

    Compass has sued CRMLS — the nation's largest MLS — in federal court, arguing that rules fining agents for publicly marketing off-MLS office-exclusive listings are anticompetitive. Compass says it will pay its agents' MLS fines while the fight plays out.

    Warren, Booker real estate letter urges FTC probe

    Inman · Oct 16, 2026

    Sens. Elizabeth Warren and Cory Booker are asking the FTC to investigate the online home-buying market, pointing at undisclosed commission-sharing behind portal 'contact agent' buttons and steering of buyers toward affiliated mortgage lenders.

    🔎 Live sources

    X doesn't let outside apps pull its feed directly, so this jumps straight to X's live real-estate search.

    X — Real Estate News (live)
    HousingWire
    Mortgage News Daily

    📣 Social Media

    The Hub is the campus

    The Realtor Referral Hub Facebook group is where the race, the Academy, the Desk, and the speakers live day to day. This app is the shelf; the group is the room.

    Standing channels: Facebook (referrals — the Hub) · Instagram (speakers only — outreach + session doors).

    🔗 Our Groups

    Every Territory Realty room on Facebook — one tap away.

    Realtor Referral Hub
    The main room. Referrals, the territory race, speaker sessions.
    Worldwide Real Estate Partnerships — Realtor Network
    Partnerships and co-marketing between agents, worldwide.
    Worldwide Corporate Relocation — Realtor Network
    Corporate moves and relocations — home of the Relocation-Ready Roster.
    Worldwide Homeowners — Realtor Network
    For homeowners: post your city, get matched to a vetted local realtor.
    Territory Realty — Broker Insiders
    The insiders room for the future brokerage. Brokers and proven agents.
    Steven Mock — Founder
    Founder. Follow for Hub news.