BUYER’S GUIDEI’m Not Selling You a House... ... I’m Helping You Find Your Dream HomeBuying a home is one of the largest investments you’ll ever make. That’s why you need an experienced agent working on your side. Having a buyer’s agent if FREE! The seller pays the commission for both agents. If you choose to NOT use a buyer’s agent, the seller’s agent will receive double commission; hence it doesn’t save you any money or get you a better price to do it on your own, it just costs you the right to have representation. The choice is a no-brainer. But don’t use just any buyer’s agent, choose Keith Twillman of the Matt O’Neill Real Estate Expert Team at RE/MAX and work with the best.

As your Buyer’s Agent, Keith Twillman will:• Show you ANY HOME for sale, regardless of who is selling it.

• Research the price the sellers paid, the amount they still owe, and the seller’s level of motivation in order to advise you on the RIGHT OFFER.

• Notify you within 24-HOURS of all new homes on the market.

• Give you tips on how to buy Foreclosures, Short Sales, and Distressed homes.• Help you write a contract to include the most BUYER PROTECTION and terms.

• Counsel you on FUTURE SALABILITY and resale considerations.

• Help you secure the BEST FINANCING rates and options.

• PROTECT YOUR INTERESTS, identify potential problems and investigate issues.

• GUARANTEE my service by allowing you to cancel your contract at any time.• Put ZERO PRESSURE on you. My goal is to help you make the decision that best fits your

• needs and situation, even if that means waiting to buy a home.

The first and best move you can make is to hire Keith Twillman as your

Buyer’s Agent. Don’t buy a home alone! Be smart and Buy Smart.

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311 Johnnie Dodds Blvd., Mt. Pleasant, SC 29464 ~ Mobile 843-297-0661 ~ Fax 843-725-0177 ~ Email: Keith@MattONeillTeam.com

Home Selling Team

Our Motto“I care for and advise each of my clients as if they are members of my own family or one of my very close friends. I will create raving fans with every person I come in contact with by providing world class service.”

Culture - Core Values ~ Integrity and Reputation

~ Teamwork ~ Passion for Client Service ~ Leadership ~ Positive Attitude ~ People before Profits ~ Family ~ Hard Working ~ Encouragement of Individual Ideas ~ Continued Self Improvement ~ Fun and Creativity

Our Mission StatementWe will create the most productive and influential real estate team in the Southeast by focusing on teamwork, leadership, and personal growth to achieve our goals. We will provide world class service, and in return we will create raving fans with each client we help. We will create an image that is known throughout our community for service, results, and innovation. Our dedication to our mission will produce significant financial returns, allowing us to give back to our team and community.

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About Keith TwillmanI am a Broker Associate with The Matt O’Neill Real Estate Team, with over 14 years experience as a licensed Real Estate Agent in the Charleston area.

My wife, Linda, our two daughters, and I moved to Charleston from Washington, DC area nearly 15 years ago, and I know from experience that this is truly an ideal place to raise a family. Our oldest is now an elementary school teacher with Teach for America program, and our youngest is a junior at the College of Charleston.I have true passion for this location and this industry, and I look forward to helping you and your family find the home of your dreams.

Exceptional Qualifications as a Realtor• Member of Local, State and National Association of Realtors (NAR)

• Member of Charleston Trident Association of Realtors (CTAR)

• Realtor of Distinction

• #1 Team at RE/MAX Advanced Realty in the Charleston Area• Team ranking in the top 1% of all Realtors in the Charleston Trident Association of Realtors

for volume of real estate sold & number of transactions closed annually

• EcoBroker, Certified Green Professional and New Homes Sales Professional

• Averaged JD Power Score of 9.5 in complete customer satisfaction

• High-energy self-starter with excellent communication, management, customer service, creativity, resourcefulness, relationship and negotiation skills.

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Buyer’s Advantage ProgramWe have one commitment when working with you ant that is to exceed your expectations while getting you the best possible price, terms, and conditions when you buy a home. To do this, we’ve created our Buyer’s Advantage Program to ensure that you get the most house for the least amount of money. By enrolling in the Buyer’s Advantage Program, you will receive the three advantages listed below, a variety of proprietary consumer programs and services, and instant enrollment into our Raving Fan Club.

Programs Advantages1. Sell for FREE* When you work with us, we will sell the home you buy through us for free. This is how it works. During the first 18 months after your closing, if you are dissatisfied with your new home purchase for any reason at all, you simply let us know and you get our incredible home selling system at no charge from us. We will list your home until it sells at your price for up to 12 months after the initial listing date with us. During this period, any commission paid on the sale of the home will be paid directly to the agent that brings the buyer for your home and not to us.

2. Home Warranty: We understand the importance of having the protection of a Home Warranty when you buy a home. When you purchase a home through us, we will negotiate with the seller to provide you with a home warranty.

3. Professional Closing Coordinators: When you purchase your new home, your entire closing will be handled by one of our professional closing coordinators. They will track the process of closing on your home from beginning to end, and will be there as your personal point of contact for any questions or concerns. With a combined experience of nearly a decade, all of the details will be tended to with the utmost professionalism and care.

*The “Sell for Free” advantage is limited in nature, time period, and scope. Further, this advantage is only in reference to the fees charged by us. It does not cover, include, or refer to, in any way charges by other parties, such as buyer’s agent commissions, closing costs, etc. This refers specifically to fees charged by us.

*You hereby indemnify and hold harmless us and our agents, employees, officers, directors, and affiliates against any and all losses, claims, damages,expenses, or liabilities whatsoever, join or several, which may arise out of or in connection with these services and guarantees and our performance in regard to same. This indemnification and hold harmless provision shall not apply to any intentionally wrongful acts or gross negligence of said parties. Further, said indemnification and hold harmless shall be cumulative in regard to any other rights or defenses.

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Amazing VIP Buyer Program and Services

1. Strategic Negotiation Experience: Our team negotiation skills over the 12 months averaged 3.5% more than the average agent in Charleston. What this means to you is a savings of $24,000 over other agents at a $700,000 price. In 2010, our team finished at #8 out of 3,200 agents in the Charleston area for buyer transactions. What that means to you is having the experience, professionalism, and market knowledge of a top agent on your team.

2. Home Hunter Service: Our Home Hunter Service gives you a backstage pass to the MLS, as if you were an agent. You will have the ability to see all the homes for sale based on your own search criteria and more importantly, get to act on them before most agents even show them to other buyers. This service puts you in position to act quickly on some of the best deals in the market.

3. Distressed Sellers Program: Get access to motivated sellers who are looking to sell their homes because they have an absentee owner, have had their home on the market for more than 6 months or are currently carrying two home mortgages. These homes represent great bargains and we get you access to them 3 weeks before they hit the market.

4. Customized Loan Programs: Our in-house mortgage affiliate has the experience to get you a loan program that meets your financial needs based upon the house you want to buy. Their skills in creative financing will limit the amount of money you need to bring to closing, while offering you the best rates and even getting you into your home without having to make a payment for the first 60 days that you live there.

5. Access to Foreclosures: Our team has access to foreclosures and other great steals weeks before they hit the market. By cultivating relationships with top REO Agents in the area, we are able to bring you these lists of homes 3 weeks before the hit the market. You will have the opportunity to benefit from a behind the scenes look at what is up and coming to the market in terms of distressed homes, which ultimately means a chance to own a home for a fraction of what it would otherwise have cost.

6. Short Sale Negotiator: We work hand in hand with the top short sale negotiators to ensure that the process is conducted thoroughly and efficiently. With unsurpassed experience, these short sale negotiators have the qualifications and knowledge to handle even the most intricate of contracts.

7. Cancellation Guarantee: A Cancellation Guarantee backs all of these services, in addition to access to discounts with local vendors, real estate attorney advice at no charge, our moving truck for free, use of our power washer for free, and use of our offices for faxing/printing/copying/for free. If you are not completely satisfied with the job we’re doing for you, you can cancel your agreement with no additional charges from us.

What to Expect

We Guarantee the best experience finding your home by...

• Helping you find the Best Home

• Helping you negotiate the Best Price and Save at least $10,000

• Helping you secure the Best Financing and the Best Monthly Payment

• Helping to Protect You throughout the entire process• Helping make the entire experience as Risk Free as possible

Your Homework

Help us to get to know you and your needs

• Family?

• What do you do for a living?

• Hobbies - what do you do for fun?

What are you looking for in a home?

• Type?

• # of Bedrooms

• # of Baths• Age?

• Location?

• Lot size?

Need to get Loan Pre-Approval or Guaranteed FundsFour Key Benefits

• Know how much home you can comfortably afford...both in terms of total purchase price and monthly payments

• Identify the best loan programs that meets your unique situation (best interest rates, term, fixed vs. variable, payment structure, etc.)

• Put yourself in the strongest purchasing position to know how much to offer on a home within your specific spending limits

• Some sellers will not deal with buyers who are not pre-approved

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Buyer Rave Reviews

Our goal was to find a home that was an extraordinary value. To do this, we hired the Matt O’Neill Home Selling Team as our buyer agent because they are specifically trained in Short Sale & Foreclosure transactions. Our agent helped us find a great deal on a short sale and we put in an offer with the bank. During the next few months we played the waiting game while we awaited bank approval. When the bank did counter our offer, the Matt O’Neill Team was able to extend the time the first bank gave us and convinced the second bank to accept our offer. They guided us through the process of getting insurance and attorneys, as well as all other needs and information necessary for a first time home purchase. All in all I have no doubt that we would have failed to close without an experienced confidant representative such as the professionals at Matt O’Neill’s Team working for us, and we are very grateful for all they did. - Steven Power

I have found the Matt O’Neill Team to be very helpful and resourceful in finding a home that suited me and my needs. They knew the area well and found good prospects for me to visit. They also helped me in deciding on the correct areas to search for my home since I was new to the Charleston area and did not have the knowledge necessary to make those choices. They also took into consideration my personality and style choices and showed me homes that were attractive to me. Additionally, they were very accommodating, friendly, and helpful. I enjoyed making their acquaintance and would recommend them. - Karen Fowler

For being a first time home buyer, I was warned about how complicated and frustrating the process of buying a home could be. However, working with the Matt O’Neill Team made buying my home a total breeze--honestly, I really don’t know what all the fuss is about. Maybe it is just because others don’t have the team working on their behalf that I had, but either way, I’m glad you made it so easy to navigate. Thanks again for all your hard work and effort. I will definitely be recommending you to my friends and family in the future. - Barry E. Price

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Buyer Rave Reviews continued...The difference with the Matt O’Neill Team is that you feel like you have an agent in the true sense of the word. I knew that they were always in my corner, that they were considering every angle- every advantage- looking for any opportunity to make my deal go as smoothly as possible.

I remember feeling completely comfortable doing business with the Matt O’Neill Team after our very first phone conversation. He was friendly and professional, of course, but he also made me feel that not only was he going to make my relocation from Washington, DC to Mt. Pleasant work, he was going to work hard to get me precisely the result I wanted for my family.

When we looked at homes, never did I feel our agent wanted us to “settle” for anything- he made it clear that he wanted my family to have what we deserved- our dream home.

One of the things that separates the Matt O’Neill Team from other agents is that they really take the time to closely examine homes with their clients. Our agent carefully listened to my wife and I as we discussed what we liked about each home, and what features or aspects we didn’t find appealing. They then used this information to refine our search and make our time together as efficient and productive as possible. The Matt O’Neill Team made the process of finding and purchasing a new home fun and exciting- a refreshing approach that balanced out well the inherent stress of the process.

My wife and I have purchased and sold four homes in three states over the past 10 years, and we have conducted business with countless real estate agents- Matt O’Neill and his team are by far the best agents we have ever had the pleasure of doing business with.- Simon and Kristen Schatmeyer

When I moved to Charleston I had little understanding of the housing market in the Charleston region. I knew that I didn’t want a long commute to the College of Charleston campus and that I wanted to be close to water. I also knew that I wanted to live in Mt. Pleasant. My agent on the Matt O’Neill Team showed me a vast selection of homes without applying any pressure on me. While I thought I knew what I wanted in a home, my agent showed me the various available options. The home we bought is perfect for me and my family. Thanks to everyone at the Matt O’Neill Team who had the patience of a saint and for making the search for our home an enjoyable experience.- Alan Shao

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