New York
New York runs on two tracks — attorney-drafted contracts downstate and board or MLS forms upstate — and Ratifyly is built to handle both because it reads the executed document itself, not one association's template. The moment the contract of sale is signed, Ratifyly reads it, confirms the required paperwork is present and signed — the Property Condition Disclosure Statement, the §443 Agency Disclosure, the smoke and carbon-monoxide affidavit, and lead-paint on pre-1978 homes — and flags anything missing before it becomes a problem. Then it tracks every deadline the deal turns on, from the attorney-approval window and mortgage contingency to title clearance and closing, and keeps the brokerage, the agent, and the client on one live view of the same transaction.
The contracts we read
New York is an attorney-state with two regimes, and Ratifyly reads whichever governs your deal. Downstate (NYC and the metro counties), contracts are attorney-drafted — commonly built from the NYSBA/REBNY or local bar Residential Contract of Sale — with no single mandated statewide form. Upstate, deals typically run on a local board or MLS purchase-and-sale form prepared by the agent, subject to an attorney-approval contingency (usually a short window in which either side's attorney may disapprove). Because Ratifyly reads the executed document itself — bar form, board form, or a fully custom attorney draft — the form source never limits what it can audit.
But Ratifyly isn't limited to those. Because it reads the document itself— not a fixed template — it handles whatever version an agent actually uses: the statewide association form, a regional or local board form, an attorney-drafted contract, or a brokerage's own paperwork. And it reads the whole packet, not just the contract — disclosures, addenda, the closing disclosure, title commitment, inspection reports, wire instructions, and more — so nothing in the file goes unreviewed.
Required paperwork we check
- Property Condition Disclosure Statement — RPL Article 14; the old $500-credit waiver was repealed effective 3/20/2024, so a completed PCDS (now including flood-risk questions) is effectively mandatory for 1-4 family resales, with condos, co-ops, and new construction exempt
- Agency Disclosure Form — RPL §443, disclosing the broker's representation to buyer and seller
- Smoke Detector and Carbon Monoxide Detector affidavit — Exec Law §378 / RPL, confirming working detectors at closing
- Lead-Based Paint Disclosure — federal 42 U.S.C. §4852d, required on homes built before 1978
- Note: this is a disclosure-and-attorney-review state, not a mandated-single-form state downstate — the operative terms live in the negotiated contract of sale, so what matters is that the right disclosures are attached and signed, which is exactly what Ratifyly checks
Deadlines we track
- Attorney-approval / review period — a short window (often ~3 business days upstate on board forms) in which either side's attorney can disapprove or the contract binds
- Inspection / due-diligence window as negotiated in the contract of sale
- Mortgage-contingency deadline — the date by which the buyer must secure a written loan commitment
- Appraisal completion, where tied to financing
- Title examination and clearance of objections before closing
- Closing date — frequently 'on or about' in NY practice rather than a hard date, with time-of-the-essence set by later notice
This page summarizes commonly used New Yorkforms and requirements for reference only — it is not legal advice, and forms and statutes change. Always follow your brokerage's current compliance guidance, the controlling New York statutes, and the forms your transaction actually uses.
See Ratifyly read a New York contract.
Send us your New York purchase agreement and we'll show you exactly what it pulls out, audits, and puts on the timeline.