KeySignDriveway to close
2:47
No signal — everything saves on this phone and sends itself when a bar returns.

Tuesday 2:47 PM · 1428 Magnolia Ct

They just said yes.

Marco and Lena walked the house twenty minutes ago. Everything you captured at intake is already on this phone. Write the offer before they get in the car.

Showing in progress Buyers pre-approved
1428 Magnolia Court
Los Altos, CA 94024 · 4 bd · 3 ba · 2,184 sq ft · built 1948
MLS ML81992301 · APN 175-30-014 · 6 days on market
BuyersDelgadoMarco & Lena
List price$2,150,000$985 / sq ft
Pre-approved$2,400,000Meridian · 6.375% fixed
Verified funds$612,400Statement 2 days old
Offers due at 5:00 PM today.
Priya Shah at Ridgeline confirmed two other offers are coming and the seller wants a 21-day close. You have two hours and ten minutes.
Nothing gets retyped. The signed BRBC, agency disclosure, pre-approval letter, proof of funds and the Delgados' vesting language all carry into the offer exactly as you captured them.
Santa Clara County forms are already on the phone. C.A.R. set, Rev. 12/25. Cached this morning, so a dead zone in this driveway costs you nothing.

Median time to a delivered, disclosed offer: 4 minutes

Step 2 · the offer

Saved on device

Purchase terms

0%
9 of 12 terms set
KeySign drafted the standard RPA from your intake file. Confirm the price, set the close, and make the one competitive call.
Price & deposit
Matches list. Against two competing offers, an escalation addendum protects you better than a flat over-bid.
Escalation addendum
Beat any verified competing offer by $10,000, to a ceiling of $2,275,000. Attached as C.A.R. form ADM, and the seller must produce the competing offer for the clause to trigger.
3% of price
$537,500 cash

Loan amount $1,612,500 · within the Meridian pre-approval of $2,400,000.

Contingencies
Loan contingency
17 days · RPA default, matches the pre-approval
Investigation contingency
10 days · shortened from the 17-day default
Appraisal contingency
10 days · shortened from the 17-day default
Appraisal gap coverage
Buyers cover up to $50,000 in cash if it appraises low
Waiving a contingency is not a form field to KeySign. Turn one off and the buyers sign a separate acknowledgement of what they are giving up.
Strategy
Strength vs. expected competition
Solid
Two offers expected58 / 100
Escalation or appraisal-gap coverage is what separates a clean offer from a winning one here.
Timing & compensation
The seller asked for 21 days. Pre-flight will flag this before you send.

Buyer-broker compensation · RPA ¶3G

Ask the seller to pay 2.5%
Pulled from your signed BRBC · attaches C.A.R. form SPBB
Since the 2024 settlement this has to be asked for in the offer, and it has to match your representation agreement. KeySign holds the two in sync so nothing contradicts at signing.
Three hours after the seller's 5:00 PM deadline — long enough to be countered, short enough to stay urgent.

Drafts are encrypted on this device. Nothing leaves the phone until you deliver.

Step 3 · turn the phone around

Marco & Lena, here's your offer.

Plain language, big type, no form numbers. This is the screen the buyers read for themselves before anyone signs anything.

You are offering
$2,150,000
Full asking price on 1428 Magnolia Court
This can rise as far as $2,275,000
What it costs you
Deposit, within 3 business days of acceptanceWired to escrow. Refundable while your contingencies are active.
$64,500
Balance of your down payment, at closingFrom your verified Schwab funds
$473,000
Estimated closing costsEscrow, title, recording, prepaids
$21,500
Total cash to close
$559,000
Your loanMeridian · 30-year fixed at 6.375%
$1,612,500
Estimated monthly paymentPrincipal, interest, taxes, insurance
$12,940
How you can still walk away
If your loan falls through — 17 days
Meridian has to formally clear your financing. If they can't, you cancel and your deposit comes back.
If the inspection finds something — 10 days
Bring in whoever you want. A 1948 house has a roof, a sewer lateral and a foundation worth looking at.
If it appraises below your price — 10 days
You are not forced to make up the difference in cash.
You are keeping all three protections. Nothing has been waived to win this house.
What happens next
You verify who you are on this phone, sign, and the offer is with the listing agent in about a minute. The seller has until 8:00 PM tonight to accept, counter, or pass. Most sellers in a multiple-offer counter — that's normal, and you'll see exactly what changed.
We've read these termsMarco & Lena Delgado · recorded in the audit trail with a timestamp

The buyers confirm they’ve read this to continue.

Step 4 · the part that causes re-dos

Disclosure package

A clean offer is more than a price. KeySign assembles the full statewide set the listing side expects, and flags exactly what still needs you — the way a good transaction coordinator would.

C.A.R. forms · Rev. 12/25

11 of 12 ready
Residential Purchase Agreement RPA
Drafted from your terms · FinCEN transfer report screened, not reportable: financed, to natural persons
Drafted
Seller Payment to Buyer's Broker SPBB
2.5% requested under ¶3G · matches your BRBC
Drafted
Buyer Representation Agreement BRBC
Signed by the Delgados on 14 March · on file
On file
Agency Disclosure AD
Signed at intake · buyer representation confirmed
On file
Buyer's Investigation Advisory BIA
Acknowledged at intake
On file
Statewide Buyer & Seller Advisory SBSA
Current revision · included with every offer
Ready
Market Conditions Advisory MCA
Required whenever you write above or near list in a multiple-offer
Ready
Wire Fraud & EFT Advisory WFA
Buyers acknowledge that no wiring instruction arriving by email is ever trusted
Ready
Fair Appraisal Act Addendum FAA
Required with the RPA since 2022
Ready
Pre-approval & proof of funds
Meridian letter to $2,400,000 · $612,400 verified · both dated this week
Attached
Lead-Based Paint Disclosure FLD
Built 1948, so this is federally required. Needs both buyers' initials on page 6 — the single most common cause of a driveway re-sign.
Needs you
Received from the listing side
Seller disclosure package
TDS, SPQ, NHD report, preliminary title, and the 2019 termite clearance · downloaded and reviewed 11:20 AM
Reviewed
KeySign pre-loaded this exact Santa Clara County set at 8:04 this morning, so it was on the phone before you lost signal. Forms update when you're online and never mid-deal.

Pre-flight clears the lead-paint initials before signing.

Step 5 · before anyone signs

Pre-flight check

Eight checks a transaction coordinator would run on the whole packet — except this one runs in the driveway, not at 9 PM after the buyers have gone home.

Parties, vesting and property identifiers agree
"Marco A. Delgado and Lena R. Delgado, husband and wife as community property with right of survivorship" · APN 175-30-014 · MLS ML81992301
The money adds up
$2,150,000 = $537,500 down + $1,612,500 loan. Deposit $64,500 is exactly 3.00%.
Escalation ceiling is actually financeable
At the $2,275,000 ceiling the Delgados need $568,750 down plus about $22,000 in costs. Verified funds are $612,400 — it clears by $21,650.
Compensation matches the representation agreement
¶3G asks the seller for 2.5%; your BRBC §3A is 2.5%. No contradiction for the listing broker to find.
Offer expiry lands after the seller's deadline
Offers due 5:00 PM · yours stands until 8:00 PM, leaving room for a counter tonight.
Form set is current and cached
C.A.R. Rev. 12/25 · FinCEN screen ran · all 12 forms resident on this device
Close of escrow is longer than the seller asked for
You wrote 30 days. Priya said the seller wants 21. This won't stop you sending, but in a three-offer race it is the cheapest point you have left to give.
Lead-paint initials missing — FLD page 6
The federal disclosure needs initials from both buyers. KeySign can make this a required stop in the signing flow so it is impossible to skip.

Clear the blocking item to continue.

Step 6 · who is actually signing

Verify the buyers

Identity is what makes a signature taken on a phone hold up later. Three factors, and only one of them needs a bar of signal.

Marco A. Delgado

1 of 2
Cleared at intake2 of 2 public-record questions · 14 March · assertion valid 90 days
Passkey on this phoneFace ID on Marco's device · works at zero bars
One-time codeTexted to ••• ••• 4471 — enter it below

Lena R. Delgado

Waiting
Cleared at intakeUnlocks once Marco is confirmed
Passkey on this phoneFace ID on Lena's device · works at zero bars
One-time codeTo ••• ••• 8830
The verification result is bound to each signature and written into the audit certificate. A signature without one is not accepted by the packet.

Confirm Marco's code to continue.

The phone is theirs now.
One mark at a time, a target the size of a business card, and no way to sign the wrong field. Built to pass across a car hood.

Sign the offer

0 of 4
Marco — signatureRPA page 12 · buyer signature blockRequired
Marco — initialsFLD page 6 · lead-paint acknowledgementRequired
Lena — signatureRPA page 12 · buyer signature blockRequired
Lena — initialsFLD page 6 · lead-paint acknowledgementRequired

Marco — sign below

✕
Sign with your finger
Every mark is sealed with a timestamp, the verified identity that made it, a SHA-256 hash of the document at that instant, and the location of this device — captured whether or not there is signal.

Packet sealed.

Signed, fully disclosed and tamper-evident — built in 4 minutes 22 seconds, at the curb, with the buyers still standing there.

In the packet

RPA, 12 pages · escalation addendum · appraisal-gap coverage
All 12 C.A.R. forms, including page-6 initials from both buyers
Meridian pre-approval and $612,400 proof of funds
SPBB compensation request under ¶3G
Two verified identities and a PDF/A audit certificate

Goes to

Priya Shah · Ridgeline Properties
Secure offer link and PDF · read receipt requested
Waiting
The Delgados' deal room
Their own copy, permanently
Waiting
Your brokerage file
Compliance copy · DRE retention
Waiting

6:12 PM · three hours later

Seller countered.

A straight acceptance in a three-offer race is the exception. Priya sent a multiple counter offer — C.A.R. form SMCO — to all three buyers. Here is exactly what changed.

Counter no. 1 · form SMCO

Reply by 9:00 PM
Price
$2,150,000
$2,235,000
$85,000 above your written price — and $40,000 under the $2,275,000 ceiling your escalation addendum already authorised.
Deposit
$64,500
$70,000
3.1% of the counter price. Still within the Delgados' verified funds.
Close
30 days
21 days
Exactly what Priya told you this morning. Meridian confirmed at 4:40 PM that 21 days is workable.
Possession
14-day rent-back, free · SIP
Under 30 days, so it is a C.A.R. SIP and not a tenancy. The sellers need to stay through the school term. Costs the Delgados two weeks of occupancy, not money.
Kept
All three contingencies
Loan 17 days, investigation 10, appraisal 10. The seller did not ask for a waiver, and your appraisal-gap coverage still caps the buyers' exposure at $50,000.
¶3G
2.5% accepted
The seller agreed to your compensation request as written. SPBB carries into the accepted contract unchanged.
A multiple counter binds nobody until the seller signs back. All three buyers can accept this counter. The Delgados signing it is an offer to the seller, not a deal — KeySign says so on the screen rather than in a footnote.
What it changes for the buyers
Cash to close moves to
$602,200
Monthly payment moves to
$13,430
Still under verified funds by
$10,200

Both buyers re-verify and sign here. Forty seconds.

Step 10 · the deal does not end at signing

In contract. Escrow is open.

A signature is the start. The moment the seller signed back, KeySign opened the file and put every deadline on a clock — because a missed contingency date is how deals, and commissions, actually die.

$2,235,000
Contract price
25-114872
Cornerstone Title

Initial deposit

Due Thursday
$70,000 is due to Cornerstone within 3 business days of acceptance. KeySign shows only the wiring instructions it verified by call-back with the escrow officer — never an account number that arrived in an email.
Wire fraud is the largest single loss in residential real estate. The buyers signed the WFA advisory in this packet, and this screen is the only place KeySign will ever show an account number.
On the clock
3
days
Deposit into escrow
Wire by Thursday 5:00 PM
10
days
Investigation contingency
General, roof and sewer lateral — ordered, first slot Friday
10
days
Appraisal contingency
Meridian ordered it at 7:30 PM · gap coverage caps exposure at $50,000
17
days
Loan contingency
Meridian to clear conditions and issue final approval
21
days
Close of escrow
Final walkthrough, then 14-day rent-back begins
Everyone on this deal
MD
Marco & Lena Delgado
Buyers · both identity-verified
Your clients
PS
Priya Shah
Listing agent · Ridgeline · DRE 01998234
Co-op
DN
Denise Nguyen
Escrow officer · Cornerstone Title
Escrow
MO
Miguel Ortiz
Loan officer · Meridian Home Lending
Lender
Every date here writes to your calendar and nudges you the morning before it falls due. Contingencies do not remove themselves in California — someone has to sign, and that someone is you.

Step 11 · trust is a screen, not fine print

This one holds up.

Speed in a driveway is worth nothing if the document is challengeable six months later. Every KeySign packet is built to the standard a title company, a broker's compliance review and a court all expect.

ESIGN and UETA satisfied
Consent to transact electronically, intent to sign, and association of the signature to the record — all three captured, all three in the certificate.
Identity proved before, not after
Three factors, and the certificate names which of them were live at the pen: a public-record check cleared at intake, a passkey on the buyer's own phone, and a one-time code. The first two work at zero bars; if the third had to wait for signal, the packet says so and does not leave until it lands.
Tamper-evident seal
Any byte changed after sealing breaks the SHA-256 hash, and the break is itself logged.
Audit trail · 1428 Magnolia Ct
Offer created on device
2:43:08 PM · 37.3861, −122.1141 · offline
Buyers reviewed terms
2:44:31 PM · acknowledged on device by both buyers
Disclosure package assembled
2:45:02 PM · 12 forms · C.A.R. Rev. 12/25
Pre-flight run · 1 blocking, 1 advisory
2:45:50 PM · FLD initials enforced · close shortened to 21 days
Marco Delgado — identity verified
2:46:05 PM · knowledge check passed · code matched
Marco signed and initialled
2:46:18 PM · hash 9f3a…c1
Lena Delgado — identity verified, signed and initialled
2:46:44 PM · hash 2b8e…7d
Packet sealed and certified
2:46:53 PM · PDF/A audit certificate generated
Delivered to listing agent
2:50:26 PM · opened 2:51:06 PM · receipt recorded
Multiple counter offer received
6:12:44 PM · SMCO no. 1 · issued to 3 buyers
Counter signed by both buyers
6:26:11 PM · re-verified · hash 4c71…9a
Seller signed back — contract formed
7:04:52 PM · acceptance delivered · contingency clock started

The driveway problem

One bar. Doesn't matter.

The decisive moment happens where signal is worst: a driveway behind a hill, a car, a rural lot, a garage. KeySign treats no connection as the normal case, not a failure state.

Connectivity right now
Online

Flip the signal switch — top right of the harness, or the button below — and walk the whole flow again with nothing to connect to.

The forms are already here. The whole county set is resident on the device and opens instantly at zero bars. Nothing is fetched mid-deal.
Verification and signing are local. Knowledge-check questions are pre-cached and the one-time code arrives over SMS, which works on one bar when data does not. Sealing needs no round trip.
Delivery queues and flushes itself. Send with no signal and it goes the instant a bar returns, with the delivery time recorded, not the send time. You never babysit it.
What offline honestly costs you. Two things need a connection: the read receipt from the listing agent, and a form-set update. Neither blocks a signature, and the app says which is stale rather than pretending.

Setup · 1 of 3

Where do you write?

KeySign downloads that market's full form set now, so it is on the phone before you ever need it.

California · Santa Clara County
C.A.R. forms · Rev. 12/25 · 41 MB
Texas · Travis County
TREC and TXR forms · 28 MB
Florida · Miami-Dade County
FR/BAR forms · 33 MB

Setup · 2 of 3

The honest part.

Most signing apps bury what they can and cannot do. Here it is up front, before you rely on it in a driveway.

What it does with no connection: draft, assemble, error-check, verify identity, sign, seal and queue. All of it.
What it checks: buyer identity, form currency, and every figure in the packet against your agreements and your buyers' verified funds.
What it is not: legal advice, and no substitute for your broker's review of a non-standard term.
What it never reads: your contacts, your photos, your location outside a signing event. Only the deals you create in it.

Setup · 3 of 3

How do you work the curb?

This sets the default. Change it per deal any time.

Speed first
Draft everything, ask only where the agent has to decide
Review first
Confirm every drafted field before it enters the packet