HomeHomeHome Purchase

Home Purchase

InformationP t I

InformationP t IPart I

My Commitment to Finding Your Next Home With You!

Part IMy Commitment to Finding Your Next Home With You!Your Next Home With You!

Prepared especiallyBy

Your Next Home With You!

Prepared especiallyByBy

Kevin TurveyBy

Kevin TurveyyCentury 21 Mike Bowman, Inc

yCentury 21 Mike Bowman, Inc

Finding a HomeFinding a Home

Avoiding the Most Common Avoiding the Most Common Mistakes Home Buyers Make...1) N t d t di l l k t d ll th t i il bl

Mistakes Home Buyers Make...1) N t d t di l l k t d ll th t i il bl1) Not understanding a local market and all that is available.

2) Thinking that it is both safe and easy to buy foreclosure and short sale homes This is a biggie!

1) Not understanding a local market and all that is available.

2) Thinking that it is both safe and easy to buy foreclosure and short sale homes This is a biggie!sale homes. This is a biggie!

3) Not understanding pricing and the value of certain amenities.

sale homes. This is a biggie!

3) Not understanding pricing and the value of certain amenities.

4) Weak negotiating. This mistake alone can cost the buyer thousands of dollars.

4) Weak negotiating. This mistake alone can cost the buyer thousands of dollars.

5) Not requiring the proper inspections and/or not understanding these reports when an inspection is done.

5) Not requiring the proper inspections and/or not understanding these reports when an inspection is done.

6) Not understanding the importance of being pre-approved by a Lender prior to beginning the home buying process.

Utili i l i i h h ill thl d

6) Not understanding the importance of being pre-approved by a Lender prior to beginning the home buying process.

Utili i l i i h h ill thl dUtilizing my exclusive service, your home purchase will go smoothly and you will avoid these costly common mistakes.Utilizing my exclusive service, your home purchase will go smoothly and you will avoid these costly common mistakes.

As a Home Buying Specialist my As a Home Buying Specialist my As a Home Buying Specialist my As a Home Buying Specialist my y g p yy g p ycommitment commitment is to assist you with…is to assist you with…

y g p yy g p ycommitment commitment is to assist you with…is to assist you with…

1) Locating the best home for your needs.2) Negotiate the lowest price.1) Locating the best home for your needs.2) Negotiate the lowest price.3) Secure the best financing. 4) Meet your home buying needs with the 3) Secure the best financing. 4) Meet your home buying needs with the ) y y g

least amount of hassle. 5) Provide you with superior client service

) y y gleast amount of hassle.

5) Provide you with superior client service

AND THE SELLER PAYS OUR COMMISSIONS SOAND THE SELLER PAYS OUR COMMISSIONS SOAND THE SELLER PAYS OUR COMMISSIONS SOAND THE SELLER PAYS OUR COMMISSIONS SO

5) Provide you with superior client service.5) Provide you with superior client service.

AND THE SELLER PAYS OUR COMMISSIONS SO AND THE SELLER PAYS OUR COMMISSIONS SO YOU DON’T HAVE TO!YOU DON’T HAVE TO!

Utilizing my exclusive service, your home purchase will go

AND THE SELLER PAYS OUR COMMISSIONS SO AND THE SELLER PAYS OUR COMMISSIONS SO YOU DON’T HAVE TO!YOU DON’T HAVE TO!

Utilizing my exclusive service, your home purchase will go smoothly and you will avoid costly mistakes.smoothly and you will avoid costly mistakes.

How Do You Find the How Do You Find the Really Special Homes?Really Special Homes?

I provide you with FREE “Link to your own MLS Portal” . A list of every home that matches your home buying criteria is provided directly to your New Mls portal Link with unlimited access. Then, whenever any new properties matching your buying criteria hit the market it goes into your

I provide you with FREE “Link to your own MLS Portal” . A list of every home that matches your home buying criteria is provided directly to your New Mls portal Link with unlimited access. Then, whenever any new properties matching your buying criteria hit the market it goes into yourproperties matching your buying criteria hit the market, it goes into your portal. You get instantly. Many times you get information before many real estate agents do.

properties matching your buying criteria hit the market, it goes into your portal. You get instantly. Many times you get information before many real estate agents do.

There are a lot of ways to go about finding a home, but by far, the best way is to set-up a quick get-together at my office. It will only take 15-20 minutes. It will only take longer if you have more questions. You tell us what you want and we tell you how we go about finding it for you That’s right we work for you spend our time and dedicate

There are a lot of ways to go about finding a home, but by far, the best way is to set-up a quick get-together at my office. It will only take 15-20 minutes. It will only take longer if you have more questions. You tell us what you want and we tell you how we go about finding it for you That’s right we work for you spend our time and dedicatego about finding it for you. That s right, we work for you, spend our time and dedicate our resources to making sure you get the best possible value currently available and the best part, you pay us nothing for all of this service.

If h 't l d t ti t t ith ll d

go about finding it for you. That s right, we work for you, spend our time and dedicate our resources to making sure you get the best possible value currently available and the best part, you pay us nothing for all of this service.

If h 't l d t ti t t ith ll dIf you haven't already set a time to meet with me all you need to do is call me at 817-939-9198. number here). I’ll do or Or, Or you can email me direct: kevin.turvey@c21bowman.com

If you haven't already set a time to meet with me all you need to do is call me at 817-939-9198. number here). I’ll do or Or, Or you can email me direct: kevin.turvey@c21bowman.com

I Use a Simple and GUARANTEED PAINLESS

I Use a Simple and GUARANTEED PAINLESSGUARANTEED PAINLESS

Four-Step Process:GUARANTEED PAINLESS

Four-Step Process:

Step one you have probably already taken. Chances are you are already enrolled in our FREE Home Finder Services and have been receiving information via Your

Mls Portal on all the homes currently for sale that match your home buying criteria. I will continue providing this FREE service for as long as it takes for you to find that special

Step one you have probably already taken. Chances are you are already enrolled in our FREE Home Finder Services and have been receiving information via Your

Mls Portal on all the homes currently for sale that match your home buying criteria. I will continue providing this FREE service for as long as it takes for you to find that special home you want. So in a real sense I have already begun working just for you.

Step 2 is you finding a home or homes that are of the highest interest to you and tell me you would like to preview these homes in person.

home you want. So in a real sense I have already begun working just for you.

Step 2 is you finding a home or homes that are of the highest interest to you and tell me you would like to preview these homes in person.

In step three of the process, I will open the doors to the home or homes you wish to see personally. Additionally, I will make sure that you have the time and freedom necessary to experience each property fully while you are deciding whether or not each home is that special

In step three of the process, I will open the doors to the home or homes you wish to see personally. Additionally, I will make sure that you have the time and freedom necessary to experience each property fully while you are deciding whether or not each home is that special one just for you.

Finally, when I do find the perfect home for you, I’ll answer all your questions and give you all the specific details that you need to make a decision. I will provide you with a current market

one just for you.

Finally, when I do find the perfect home for you, I’ll answer all your questions and give you all the specific details that you need to make a decision. I will provide you with a current market value assessment of the home you are considering buying. There is never any pressure.

Should you decide that you’d like to purchase a home, I will handle all the details, including negotiating to your benefit. Throughout the entire process I’ll work at your pace, and you’ll be

value assessment of the home you are considering buying. There is never any pressure.

Should you decide that you’d like to purchase a home, I will handle all the details, including negotiating to your benefit. Throughout the entire process I’ll work at your pace, and you’ll be the one making all the decisions. I will communicate to you with the frequency necessary to keep you informed and worry-free the entire process.the one making all the decisions. I will communicate to you with the frequency necessary to keep you informed and worry-free the entire process.

I Provide You Information O A iOn Every Home Available

Distressed Properties: Short Sales, Foreclosures and Distressed Properties: Short Sales, Foreclosures and REOs

Purchasing a distressed property can be a time-consuming process, but you can also get a great deal on a house you love.

REOsPurchasing a distressed property can be a time-consuming process, but you can also get a great deal on a house you love.y

A SHORT SALE occurs when a homeowner sells their home for less than (short of) what they still owe on their mortgage, and their bank has agreed to accept the proceeds from the sale as payment in full of the loan balance

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A SHORT SALE occurs when a homeowner sells their home for less than (short of) what they still owe on their mortgage, and their bank has agreed to accept the proceeds from the sale as payment in full of the loan balanceas payment in full of the loan balance.

A FORECLOSURE occurs when a homeowner has defaulted on the mortgage, and lender initiates a foreclosure against the property. The property will eventually be put up for sale at auction.

as payment in full of the loan balance.

A FORECLOSURE occurs when a homeowner has defaulted on the mortgage, and lender initiates a foreclosure against the property. The property will eventually be put up for sale at auction.

A REAL ESTATE OWNED (REO) occurs when the bank has successfully foreclosed on the property and the foreclosure auction did not result in a sale to an outside bidder. Thus the lender ends up as the new “owner” of the home.

A REAL ESTATE OWNED (REO) occurs when the bank has successfully foreclosed on the property and the foreclosure auction did not result in a sale to an outside bidder. Thus the lender ends up as the new “owner” of the home.

Distressed properties often have challenges not typically found with a traditional real estate transaction.

Work with an Agent who is Qualified to Handle This Type of Transaction

Distressed properties often have challenges not typically found with a traditional real estate transaction.

Work with an Agent who is Qualified to Handle This Type of TransactionI have been in the Real Estate Industry for nearly 23 years and have listed, sold and negotiated the completion of 100’s of transactions. Many were Short Sales, REO’s, Distressed Property, and difficult, Complex Transactions.

I have been in the Real Estate Industry for nearly 23 years and have listed, sold and negotiated the completion of 100’s of transactions. Many were Short Sales, REO’s, Distressed Property, and difficult, Complex Transactions.

NEWLY CONSTRUCTED ORRENOVATED BUILDINGS

NEWLY CONSTRUCTED ORRENOVATED BUILDINGSRENOVATED BUILDINGSRENOVATED BUILDINGS

WHY USE AN AGENT TO PURCHASE A NEW HOME?WHY USE AN AGENT TO PURCHASE A NEW HOME?

The advantages of having an agent help you purchase a new home are the same The advantages of having an agent help you purchase a new home are the same as those for purchasing a resale home…

• Knowledge of the market• Help in finding the perfect home quickly

as those for purchasing a resale home…

• Knowledge of the market• Help in finding the perfect home quickly• Expertise in contract writing/negotiation• Closing assistance

The builder has a professional representative watching out for his/her interests, and you

• Expertise in contract writing/negotiation• Closing assistance

The builder has a professional representative watching out for his/her interests, and you need the same expert representation.

Buying a new home or newly renovated property is a little more difficult and time-consuming than buying a resale. I can professionally guide you through this process.

need the same expert representation.

Buying a new home or newly renovated property is a little more difficult and time-consuming than buying a resale. I can professionally guide you through this process.

It is very important that your interests be professionally represented when you are entering into a contract for a semi-custom or a build-to-suit home. These transactions are complex and the contract details must be exact in order to protect you and to ensure you get exactly the home you want!

It is very important that your interests be professionally represented when you are entering into a contract for a semi-custom or a build-to-suit home. These transactions are complex and the contract details must be exact in order to protect you and to ensure you get exactly the home you want!

I have prepared a list of questions to help ensure that you are dealing with a reputable builder and will review them with you should you be interested in pursuing a new construction or a completely renovated property.

I have prepared a list of questions to help ensure that you are dealing with a reputable builder and will review them with you should you be interested in pursuing a new construction or a completely renovated property.

REMEMBER – the Builder often requires that your Agent accompany you on your first visit tothe Builder’s sales office in order for your representative to participate in the process.REMEMBER – the Builder often requires that your Agent accompany you on your first visit tothe Builder’s sales office in order for your representative to participate in the process.

What You Should Know About B i Di t d P ti

What You Should Know About B i Di t d P tiBuying Distressed Properties:

Buying a short sale or REO property is a complex process. The overview below is intended to give you an idea of what you may face if you decide to pursue a purchase

Buying Distressed Properties:Buying a short sale or REO property is a complex process. The overview below is intended to give you an idea of what you may face if you decide to pursue a purchaseintended to give you an idea of what you may face if you decide to pursue a purchase of a distressed property:

Short Sale PropertiesShort Sale properties may often be in better condition than properties that are in foreclosure,

intended to give you an idea of what you may face if you decide to pursue a purchase of a distressed property:

Short Sale PropertiesShort Sale properties may often be in better condition than properties that are in foreclosure, p p y p p ,as the homeowner is working with the bank to release them of their debt and is trying to avoid foreclosure.

Before making an offer on a Short Sale, please keep the following in mind:

p p y p p ,as the homeowner is working with the bank to release them of their debt and is trying to avoid foreclosure.

Before making an offer on a Short Sale, please keep the following in mind:g , p p g• Any offer must be approved by seller’s lender.• Because of the required approval process by the lender, approval of your offer (and therefore

the short sale) could take months.• A lender may change the terms of the agreement made between the seller and the buyer.

g , p p g• Any offer must be approved by seller’s lender.• Because of the required approval process by the lender, approval of your offer (and therefore

the short sale) could take months.• A lender may change the terms of the agreement made between the seller and the buyer.y g g y

Foreclosed Properties (REO)• Lenders will typically sell the homes “as-is,” meaning that REO properties will often need repairs.

y g g y

Foreclosed Properties (REO)• Lenders will typically sell the homes “as-is,” meaning that REO properties will often need repairs.

Before making an offer on an REO, please keep the following in mind:• The lender most likely will not agree to make any repairs to the home.• The lender may require you to finance with them.• While most REO properties are already vacant, there is the possibility of tenant problems

Before making an offer on an REO, please keep the following in mind:• The lender most likely will not agree to make any repairs to the home.• The lender may require you to finance with them.• While most REO properties are already vacant, there is the possibility of tenant problems p p y , p y p

which may cause a delay in closing, and may also increase the price.• If you are not using the REO bank as your lender it is possible that certain repairs will be

required to be made to the property before your lender will agree to close

p p y , p y pwhich may cause a delay in closing, and may also increase the price.

• If you are not using the REO bank as your lender it is possible that certain repairs will be required to be made to the property before your lender will agree to close

C i tiC i tiCommunicationThe key to a successful home purchase.Communication

The key to a successful home purchase.

Through constant communication I will keep you apprised of every detail in the entire process of your Through constant communication I will keep you apprised of every detail in the entire process of your pp y p yhome buying experience. Once we have found that perfect home I will negotiate with the sellers and their agent to get the best possible price and terms for the

pp y p yhome buying experience. Once we have found that perfect home I will negotiate with the sellers and their agent to get the best possible price and terms for theagent to get the best possible price and terms for the home you desire.

Y ill b fi f f i i h l

agent to get the best possible price and terms for the home you desire.

Y ill b fi f f i i h lYou will benefit from my years of experience in the real estate business at no cost to you. As you know, many buyers are unaware of the fact that our commission is

You will benefit from my years of experience in the real estate business at no cost to you. As you know, many buyers are unaware of the fact that our commission is ypaid by the seller in most cases.

ypaid by the seller in most cases.

I Will Use Our Multiple Listing Association, Technology, The Internet I Will Use Our Multiple Listing Association, Technology, The Internet gyand my Private Resources and Contacts...

to provide you with up to date information on each new home as it comes on the

gyand my Private Resources and Contacts...

to provide you with up to date information on each new home as it comes on theto provide you with up to date information on each new home as it comes on the market. We preview the “new on market” list constantly, on the lookout for the perfect home for you.

Utili i M S i i S h f Y P f t H

to provide you with up to date information on each new home as it comes on the market. We preview the “new on market” list constantly, on the lookout for the perfect home for you.

Utili i M S i i S h f Y P f t HUtilizing My Services in Search of Your Perfect HomeNEW HOMESI have worked with several builders and can get all the information you need to make any decisions but I will need to accompany you to the property on the initial visit

Utilizing My Services in Search of Your Perfect HomeNEW HOMESI have worked with several builders and can get all the information you need to make any decisions but I will need to accompany you to the property on the initial visitdecisions, but I will need to accompany you to the property on the initial visit.

SHORT SALES BANK OWNED FORECLOSURESI will work with you on short sale, bank owned and foreclosure properties. It is critical that

decisions, but I will need to accompany you to the property on the initial visit.

SHORT SALES BANK OWNED FORECLOSURESI will work with you on short sale, bank owned and foreclosure properties. It is critical that you have professional representation in these types of transactions. I am sure you have read of some of the nightmare experiences buyers have had in this type of transaction. I will be with you every step of the way to avoid a catastrophe!

you have professional representation in these types of transactions. I am sure you have read of some of the nightmare experiences buyers have had in this type of transaction. I will be with you every step of the way to avoid a catastrophe!

FOR SALE BY OWNERA homeowner trying to sell his home himself is usually doing so in hopes of saving the commission, coincidentally, this is the reason a buyer wants to deal directly with a homeowner.

FOR SALE BY OWNERA homeowner trying to sell his home himself is usually doing so in hopes of saving the commission, coincidentally, this is the reason a buyer wants to deal directly with a homeowner.

If you should see a FSBO, FORECLOSURE, BANK OWNED or any property of interest to you and want the advantages of my services, please let me make the initial contact so you get "inside information".If you should see a FSBO, FORECLOSURE, BANK OWNED or any property of interest to you and want the advantages of my services, please let me make the initial contact so you get "inside information".

THE NEIGHBORHOODTHE NEIGHBORHOODThere are many factors to consider when selecting a neighborhood that is right for you.

Below are just a few of the many factors -- You may think of others that are

There are many factors to consider when selecting a neighborhood that is right for you.

Below are just a few of the many factors -- You may think of others that areBelow are just a few of the many factors -- You may think of others that are important to you. Please write them on your Home Search Criteria form so they do not get forgotten.

Neighborhoods have characteristic personalities designed to best suit single people

Below are just a few of the many factors -- You may think of others that are important to you. Please write them on your Home Search Criteria form so they do not get forgotten.

Neighborhoods have characteristic personalities designed to best suit single peopleNeighborhoods have characteristic personalities designed to best suit single people, growing families, two-career couples, or retirees. Investigate to determine if the neighborhood matches your lifestyle and personality.

S t t th N i hb h d!

Neighborhoods have characteristic personalities designed to best suit single people, growing families, two-career couples, or retirees. Investigate to determine if the neighborhood matches your lifestyle and personality.

S t t th N i hb h d!Scout out the Neighborhood!It is important that you scout the neighborhood in person. You live in more than your house. Talk to people who live there. Drive or walk through the entire area at different times of the

Scout out the Neighborhood!It is important that you scout the neighborhood in person. You live in more than your house. Talk to people who live there. Drive or walk through the entire area at different times of the p p gday, during the week and on weekends.

Travel to and from places that you would typically frequent to be sure you are comfortable.

p p gday, during the week and on weekends.

Travel to and from places that you would typically frequent to be sure you are comfortable.

Look for access to major thoroughfares, highways, and shopping. Check with local civic, police, fire, and school officials to find information about the area.

Look at traffic patterns around the area during different times of the day and drive from the area to work.

Look for access to major thoroughfares, highways, and shopping. Check with local civic, police, fire, and school officials to find information about the area.

Look at traffic patterns around the area during different times of the day and drive from the area to work.p g y

Is the neighborhood near parks, places of worship, recreation centers, shopping, theaters, restaurants, public transportation, schools, etc.?

p g y

Is the neighborhood near parks, places of worship, recreation centers, shopping, theaters, restaurants, public transportation, schools, etc.?

Having Negotiated Hundreds ofHaving Negotiated Hundreds ofHaving Negotiated Hundreds of Successful Offers Throughout My Years of Experience

Having Negotiated Hundreds of Successful Offers Throughout My Years of Experience

I Understand the Secret of Power NegotiatingI Understand the Secret of Power Negotiating

Years of Experience. Years of Experience.

g g

In the market we are in “TIME IS OF THE ESSENCE”. I will deliver your offer IMMEDIATELY I will continue to

g g

In the market we are in “TIME IS OF THE ESSENCE”. I will deliver your offer IMMEDIATELY I will continue towill deliver your offer IMMEDIATELY. I will continue to contact the Listing agent until confirmed the offer has been received. I will negotiate to your benefit!

will deliver your offer IMMEDIATELY. I will continue to contact the Listing agent until confirmed the offer has been received. I will negotiate to your benefit!

A strong presentation of your offer by me on your behalf will also insure that you get the best price and terms!A strong presentation of your offer by me on your behalf will also insure that you get the best price and terms!insure that you get the best price and terms!

There is no other way to represent your best interest.

insure that you get the best price and terms!

There is no other way to represent your best interest.

FinancingFinancingg

P A l P

g

P A l PPre-Approval ProgramMany buyers apply for a loan and obtain loan approval online

Pre-Approval ProgramMany buyers apply for a loan and obtain loan approval onlineMany buyers apply for a loan and obtain loan approval online before they meet with an agent and begin looking at homes for sale. If that is what you have done, great!

Many buyers apply for a loan and obtain loan approval online before they meet with an agent and begin looking at homes for sale. If that is what you have done, great!

If you have not completed this process yet it is one of the very things we will help you accomplish before we begin the If you have not completed this process yet it is one of the very things we will help you accomplish before we begin the y g p y p ghome buying process.

y g p y p ghome buying process.Its as Easy as 1Its as Easy as 1--22--33Its as Easy as 1Its as Easy as 1--22--33yyyy1. A home loan credit report is generated by the credit bureau

2. Your employment, bank accounts, and rental payments (if applicable)

1. A home loan credit report is generated by the credit bureau

2. Your employment, bank accounts, and rental payments (if applicable) are verified

3. All information is forwarded to the underwriter for approval

are verified

3. All information is forwarded to the underwriter for approval

L PL P A lA lL PL P A lA lLoan PreLoan Pre--ApprovalApproval3 Key Benefits3 Key Benefits

Loan PreLoan Pre--ApprovalApproval3 Key Benefits3 Key Benefits3 Key Benefits3 Key Benefits3 Key Benefits3 Key Benefits

1) You know exactly HOW MUCH YOU CAN1) You know exactly HOW MUCH YOU CAN1) You know exactly HOW MUCH YOU CAN AFFORD (Eliminating wasted time looking at homes that are above or below your price range)

1) You know exactly HOW MUCH YOU CAN AFFORD (Eliminating wasted time looking at homes that are above or below your price range)

2) You get the BEST FINANCING (I.e. lowest interest rate, lowest down payment, which will allow you to get

2) You get the BEST FINANCING (I.e. lowest interest rate, lowest down payment, which will allow you to get , p y , y gthe most house for your money)

3) You can make a STRONGER OFFER (You get the power

, p y , y gthe most house for your money)

3) You can make a STRONGER OFFER (You get the power3) You can make a STRONGER OFFER (You get the power of immediate action, you can beat out other buyers, and you can negotiate the lowest price & best terms.)

3) You can make a STRONGER OFFER (You get the power of immediate action, you can beat out other buyers, and you can negotiate the lowest price & best terms.)

Benefits of Buyer AgencyAlthough the typical agency agreement spells out the fiduciary duties an agent must fulfill for the seller, the buyer is often left, in a sense, unrepresented. However, buyers too have

Benefits of Buyer AgencyAlthough the typical agency agreement spells out the fiduciary duties an agent must fulfill for the seller, the buyer is often left, in a sense, unrepresented. However, buyers too havefor the seller, the buyer is often left, in a sense, unrepresented. However, buyers too have the option of being represented exclusively by their own agent. Consider the following benefits;1). Loyalty

The real estate agent must act in the best interest of the buyer.

for the seller, the buyer is often left, in a sense, unrepresented. However, buyers too have the option of being represented exclusively by their own agent. Consider the following benefits;1). Loyalty

The real estate agent must act in the best interest of the buyer.

2). ObedienceMust follow the lawful instructions of the principal (buyer).

3). Disclosure of all material factsE l b t t li it d t

2). ObedienceMust follow the lawful instructions of the principal (buyer).

3). Disclosure of all material factsE l b t t li it d t• Examples, but not limited to:

• Relationships between agent and other parties• Existence of other offers• Property’s true worth• Status of earnest money

• Examples, but not limited to:• Relationships between agent and other parties• Existence of other offers• Property’s true worth• Status of earnest money• Commission split with other brokers• Seller’s financial condition• Legal effects of contract provisions

4). Confidentiality

• Commission split with other brokers• Seller’s financial condition• Legal effects of contract provisions

4). Confidentiality) f yAny discussions, facts, or information can be shared freely with the kind of CONFIDENTIALITYyou expect from someone working in your best interest

5). Accounting in dealingsReporting of where any money placed in the hands of the broker is kept

) f yAny discussions, facts, or information can be shared freely with the kind of CONFIDENTIALITYyou expect from someone working in your best interest

5). Accounting in dealingsReporting of where any money placed in the hands of the broker is keptReporting of where any money placed in the hands of the broker is kept

6). Reasonable skill and care• Arriving at a reasonable purchase price and advising buyer of such.• Affirmatively discovering material facts and disclosing them to the buyer.• Investigating the material facts related to the sale

Reporting of where any money placed in the hands of the broker is kept

6). Reasonable skill and care• Arriving at a reasonable purchase price and advising buyer of such.• Affirmatively discovering material facts and disclosing them to the buyer.• Investigating the material facts related to the sale• Investigating the material facts related to the sale

As a buyer’s agent, I represent you and your interests in the purchase of your new home, not the seller’s interests. This is different from a typical sub-agency transaction where the buyer is not technically represented.

• Investigating the material facts related to the sale

As a buyer’s agent, I represent you and your interests in the purchase of your new home, not the seller’s interests. This is different from a typical sub-agency transaction where the buyer is not technically represented.

AGENCYIt i l f b th th b k h li t th t f l d th b k h k

AGENCYIt i l f b th th b k h li t th t f l d th b k h kIt is commonplace for both the broker who lists the property for sale and the broker who works with a buyer (sometimes called the co-broker) to be paid by the seller.

Their duties, loyalties and faithfulness are owed to the seller, and they must tell the seller all important information they know which might affect the seller’s decision concerning the sale of

It is commonplace for both the broker who lists the property for sale and the broker who works with a buyer (sometimes called the co-broker) to be paid by the seller.

Their duties, loyalties and faithfulness are owed to the seller, and they must tell the seller all important information they know which might affect the seller’s decision concerning the sale of p y g gtheir property.

While neither broker is your agent, the brokers can provide you with:• Information about available properties.

p y g gtheir property.

While neither broker is your agent, the brokers can provide you with:• Information about available properties.• Help in analyzing and comparing the physical and economic features of different properties.• sources of financing• an opportunity to preview the property• assistance in making an offer to purchase

• Help in analyzing and comparing the physical and economic features of different properties.• sources of financing• an opportunity to preview the property• assistance in making an offer to purchase

Both brokers are obligated by law to treat you honestly and fairly. They must:• Present all written offers to the owner promptly• Disclose material facts about the property known to the broker• Offer the property without regard to race creed sex religion national origin handicap or family/domestic

Both brokers are obligated by law to treat you honestly and fairly. They must:• Present all written offers to the owner promptly• Disclose material facts about the property known to the broker• Offer the property without regard to race creed sex religion national origin handicap or family/domesticOffer the property without regard to race, creed, sex, religion, national origin, handicap, or family/domestic

partnership status

If you choose to have a real estate broker exclusively represent you (not the seller) as your agent , you should enter into a written contract that:

Offer the property without regard to race, creed, sex, religion, national origin, handicap, or family/domestic partnership status

If you choose to have a real estate broker exclusively represent you (not the seller) as your agent , you should enter into a written contract that:• Clearly establishes how the buyer's agent will work for you and you alone• Sets out how your agent will be paid and by whom• Clearly establishes how the buyer's agent will work for you and you alone• Sets out how your agent will be paid and by whom

Home InspectionsHome InspectionsHome InspectionsHome InspectionsFi di th M j D f tFi di th M j D f t

I will recommend that you have a home inspection performed. Since there is a I will recommend that you have a home inspection performed. Since there is a

Finding the Major DefectsFinding the Major Defects

BIG difference in Home Inspections and Inspectors, we will assist you in the selection process.

Wh j d f t id tifi d I ill h l d t i

BIG difference in Home Inspections and Inspectors, we will assist you in the selection process.

Wh j d f t id tifi d I ill h l d t iWhen major defects are identified I will help determine which, if any, should be corrected by seller.

What is a Major Defect: any defect that would have a negative effect on the

When major defects are identified I will help determine which, if any, should be corrected by seller.

What is a Major Defect: any defect that would have a negative effect on theWhat is a Major Defect: any defect that would have a negative effect on the long term value of the home or the safety of it’s inhabitants if not replaced or corrected.

What is a Major Defect: any defect that would have a negative effect on the long term value of the home or the safety of it’s inhabitants if not replaced or corrected.

Often it is best to get quotes for repairs and request dollar amount at closing.

If the seller declines, you will have the option to the return of your deposit

Often it is best to get quotes for repairs and request dollar amount at closing.

If the seller declines, you will have the option to the return of your deposit , y p y pmonies in full or continue with the purchase.

, y p y pmonies in full or continue with the purchase.

I will recommend Seller Includes a

Home WarrantyI will recommend Seller Includes a

Home WarrantyProtects you from unplanned expenses when youProtects you from unplanned expenses when you

Home WarrantyHome WarrantyProtects you from unplanned expenses when you don’t know how reliable your appliances will be.Protects you from unplanned expenses when you don’t know how reliable your appliances will be.

Includes furnace, air conditioner and many other protections that can be extremely valuable in theIncludes furnace, air conditioner and many other protections that can be extremely valuable in theprotections that can be extremely valuable in the event unforeseen trouble occurs.protections that can be extremely valuable in the event unforeseen trouble occurs.

THINKING ABOUT BUYINGPrior to meeting with me, please fill out this quick survey. Tell me what concerns you most about buying your home using a real estate agent

THINKING ABOUT BUYINGPrior to meeting with me, please fill out this quick survey. Tell me what concerns you most about buying your home using a real estate agentbuying your home using a real estate agent.That way when you meet with me I will discuss only those things that are MOST IMPORTANTto you. Your meeting with me will take about 30-45 minutes unless you have more questions.

WHAT ARE YOU CONCERNED ABOUT?

buying your home using a real estate agent.That way when you meet with me I will discuss only those things that are MOST IMPORTANTto you. Your meeting with me will take about 30-45 minutes unless you have more questions.

WHAT ARE YOU CONCERNED ABOUT?WHAT ARE YOU CONCERNED ABOUT?

NOT CONCERNED VERY CONCERNED

LOAN QUALIFICATIONS? 1 2 3 4

WHAT ARE YOU CONCERNED ABOUT?

NOT CONCERNED VERY CONCERNED

LOAN QUALIFICATIONS? 1 2 3 4LOAN QUALIFICATIONS? 1 2 3 4

HOME VALUES? 1 2 3 4

LOCATION & VALUE? 1 2 3 4

DOWNPAYMENT? 1 2 3 4

LOAN QUALIFICATIONS? 1 2 3 4

HOME VALUES? 1 2 3 4

LOCATION & VALUE? 1 2 3 4

DOWNPAYMENT? 1 2 3 4

MONTHLY PAYMENTS? 1 2 3 4

PREVIEWING HOMES? 1 2 3 4

PRICING? 1 2 3 4

CLOSING COSTS? 1 2 3 4

MONTHLY PAYMENTS? 1 2 3 4

PREVIEWING HOMES? 1 2 3 4

PRICING? 1 2 3 4

CLOSING COSTS? 1 2 3 4CLOSING COSTS? 1 2 3 4

SHORT SALES & REO’S? 1 2 3 4

APPRECIATION? 1 2 3 4

FINANCING? 1 2 3 4

CLOSING COSTS? 1 2 3 4

SHORT SALES & REO’S? 1 2 3 4

APPRECIATION? 1 2 3 4

FINANCING? 1 2 3 4

Thank you and see you soonHome Work Page

Thank you and see you soonHome Work Page

Here is a Partial List of My Home Buyer ServicesHere is a Partial List of My Home Buyer ServicesMy Home Buyer Services...

• I provide you with a list of every home in every area of interest• I open the doors so you can inspect every home first hand.• I continue until you find the home that is exactly right for you.

My Home Buyer Services...• I provide you with a list of every home in every area of interest• I open the doors so you can inspect every home first hand.• I continue until you find the home that is exactly right for you.y y g y• I provide you with detailed information.• I counsel you so you can make informed decisions.• I prepare a complete Purchase Offer for your approval.• I negotiate directly with Seller and Agent on your behalf.

y y g y• I provide you with detailed information.• I counsel you so you can make informed decisions.• I prepare a complete Purchase Offer for your approval.• I negotiate directly with Seller and Agent on your behalf.• I negotiate to your benefit in every situation.• I open escrow and deposit earnest money for you.• I find and help secure the best possible financing.• I order and coordinate every inspection need or requirement.• I explain the findings of all inspections

• I negotiate to your benefit in every situation.• I open escrow and deposit earnest money for you.• I find and help secure the best possible financing.• I order and coordinate every inspection need or requirement.• I explain the findings of all inspections• I explain the findings of all inspections.• I monitor the progress of your escrow DAILY!• I communicate almost daily with you during escrow.• I oversee every detail involved in your new home.• I make sure every "i" is dotted, every "t" is crossed.

• I explain the findings of all inspections.• I monitor the progress of your escrow DAILY!• I communicate almost daily with you during escrow.• I oversee every detail involved in your new home.• I make sure every "i" is dotted, every "t" is crossed.• I make sure that your escrow closes on time.• I explain all escrow and other documents involved.• I make sure escrow closes.• I hand you the keys to your new home.• I check in with you in case there are any surprises

• I make sure that your escrow closes on time.• I explain all escrow and other documents involved.• I make sure escrow closes.• I hand you the keys to your new home.• I check in with you in case there are any surprises• I check in with you in case there are any surprises.• I continue to communicate with you forever.• I handle all of your friends and family real estate needs.• I personally provide the same level of service to your referrals.• I ask you to grade me on my services.

• I check in with you in case there are any surprises.• I continue to communicate with you forever.• I handle all of your friends and family real estate needs.• I personally provide the same level of service to your referrals.• I ask you to grade me on my services.• I will continue to serve you for all your real estate needs and wants.

All of this and you pay me nothing! It almost seems unfair doesn't it?• I will continue to serve you for all your real estate needs and wants.

All of this and you pay me nothing! It almost seems unfair doesn't it?