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Home Buyer Services ProposalColdwell Banker Previews International

2009 Coldwell Banker Real Estate LLC. All Rights Reserved. Coldwell Banker is a registered trademark licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each Office Is Independently Owned And Operated.

GLOBAL NETWORKGLOBAL NETWORKNotes:Helping you find the right homein the right location, at the right price.Listening I learn from you by listening, to be more responsive to your needs.

Home-finding plan I will follow a customized, detailed plan to find the right home for you.

GLOBAL NETWORKWhats important to you?CommunicationListening to you and keeping you informedAffordabilityShowing you homes within your price rangeNeedsShowing you properties that fit your needsConvenienceSimplifying the home buying process

GLOBAL NETWORKMy commitment to youAs your buyers agent, I will work on your behalf to:Find you the right propertyNegotiate the best price and terms for youHandle the details and keep you informed

GLOBAL NETWORKRepresenting your best interests...Buyers agent :Represents you, the buyerHas a fiduciary responsibility to work for your best interests Sellers agent :Represents the seller Has a fiduciary responsibility to the seller A dual agent :Represents the interests of both the seller and the buyerHas a fiduciary responsibility to both parties

GLOBAL NETWORKThe Search Begins!

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I will show you howour Online Web Partnerships simplify your home search and expand your opportunities!

GLOBAL NETWORKcoldwellbanker.comcoldwellbankerpreviews.com californiamoves.com

I can provide you with valuable information through our award-winning Web sites, coldwellbanker.comSearches for homes that meet your needs E-mails new property information to you as it becomes availableProperty searches delivered right to your desktop with our Personal Retriever Widget

Neighborhood Information Provides facts about schools, climate, and housing valuesState-of-the-art mapping technology gives you a birds eye view of property in relation to roads and neighborhood amenities including schools, hospitals, recreation, shopping, and more.

GLOBAL NETWORKColdwell Banker On Location is the first dedicated video real estate channel on YouTubeVideo topics include:Agent videosOffice videosVideo listingsCommunity videosSmart tips and news related videosAllows buyers to search for videos via a map First to use dynamic IP lookup on the channel

Coldwell Banker On LocationGLOBAL NETWORKMultiple Listing ServiceI can show you any property listed through the Multiple Listing Service (MLS).Our office offers area-wide multiple listing information that shows thousands of broker-listed homes for sale, regardless of the sellers agent.I can help you visit many of these homes online or on paper.I will show you the properties that meet your criteria.

GLOBAL NETWORKYard signs and open houses A yard sign or open house can let you know a home is available, but I can help you know if its worthwhile.I will arrange private showings of all homes that meet your search criteria.I will accompany you for all showings, however if you do visit an open house on your own, give the salesperson my card and tell them that I am your agent.

GLOBAL NETWORKThe prices that sellers askMany factors affect the price that sellers ask for their houses.Physical characteristics of the house:LocationAgeSize of house and lotPhysical conditionFloor plan and styleCompetition:Number of properties availableTheir prices and termsTheir location and physical condition How long theyve been on the marketMarket conditions:Interest rates Availability of financingQualified buyer demandPrices of recent salesState of the economySeasonal demandAsking price also may be affected by:Sellers motivation to sellSellers original purchase priceSellers need for cashOpinions of others

GLOBAL NETWORKThe value of a Competitive Market AnalysisAs your buyers agent, I will prepare a Competitive Market Analysis with information on properties similar to the one youre considering. It will describe homes that:Are currently on the marketAre under contractSold recentlyFailed to sellThis comparative data will help you decide whether the home you like is worth the price.

GLOBAL NETWORKMortgage pre-approval

Being pre-approved for a mortgage can greatly improve your negotiating position.Sellers and their agents know that a pre-approved buyer is a serious one.Speaking now with a mortgage specialist will give you a loan decision well in advance of making an offer.

GLOBAL NETWORKMaking The Purchase

GLOBAL NETWORKPreparing the offer

As your buyers agent, I will work to:Prepare an offer that will meet your needs and provide a solid basis for negotiating with the seller. Apply information from the Competitive Market Analysis that will determine a realistic offer.I will present your written offer and negotiate on your behalf.The sellers will have the choice of:Accepting your offer as presentedRejecting it completelyCountering it

I will communicate to you the sellers response and, if necessary, suggest further negotiating options.

GLOBAL NETWORKThe Escrow ProcessAn independent impartial third party to facilitate the transactionHandles deposits and documentsCoordinates with Title and Mortgage

GLOBAL NETWORKTitle insurance will protect your interests in the propertyA title insurance policy:Is based on a search of public records that discloses whether any others have a legal claim to the propertyInsures you against loss due to certain title defects

GLOBAL NETWORKAn appraisal provides independent confirmation of the value of the homeCompares the value of the home to others of similar size, features and locationIs usually required by lendersAn opinion of the propertys value by an independent appraiser

GLOBAL NETWORK Thorough Inspections of the Property by Qualified Professionals

GLOBAL NETWORKA Home Warranty can protect you from unforeseen risksProvides repair-or-replace coverageGives you peace of mind Can be purchased by you or by the seller, as agreed upon in the contractI will provide you with the details of the Coldwell Banker Home Protection Plan.

GLOBAL NETWORKFinancing Your Home

GLOBAL NETWORKHow much home can you afford?PrequalificationEstablishes how much you can afford to borrow Is not an assurance of mortgage approvalPre-approval Is a much more complete approval Most sellers want to see this at the time an offer is made

GLOBAL NETWORKApplying for a mortgage... is the first step after your purchase offer is accepted.The lender may request copies of:Current pay stubsBank statementsCredit card statementsInvestment/brokerage firm statementsLoan statementsTax returns, usually for two yearsYour mortgage application can be processed more easily if you are prepared with these documents.

GLOBAL NETWORKThe financing and closing process This is an involved process. Ill help you through it.1. Loan application is completed and submitted to lender2. Lender orders appraisal, credit report, verification of your employment and assets3. Lender provides a good faith estimate of closing and related costs, plus initial Truth In Lending disclosures4.Lender evaluates application and support documents, approves loan and issues letter of commitment5. Loan documents are signed and notarized in Escrow6. Lender disburses/wires funds to the Escrow or Title Company7. Required documents are recorded at the County Recorders office transferring title into your name

GLOBAL NETWORKA walk-through prior to closingLets you confirm the condition of the property.A thorough walk-through and verification of condition will take place prior to closing.I will accompany you.Should a concern arise during the walk-through, I will assist you in resolving it.

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Coldwell Banker Concierge Online makes homeownership easy - before, during and after your move. This free service saves you valuable time and money by giving you instant access to our exclusive network of prescreened, quality service providers, carefully selected for their professional qualifications and customer service records. From moving and relocation services to maintenance and home improvement projects, Concierge Online can facilitate every aspect of homeownership to ensure that you have access to the highest level of service providers in California.

My services do not end at close of Escrow!Be a Client for Life!GLOBAL NETWORKOur Agreement To Work TogetherBuyer Representation Agreement

Defines and details agency relationshipsClarifies my commitment and duty to you as your trusted advisorClarifies your commitment and responsibilities in the process Keeps our lines of communication open and outlines how we will work together to achieve your goals

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Thank you for your business!GLOBAL NETWORKGLOBAL NETWORKNotes: