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Home Buyer Services Proposal

Coldwell 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.

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Helping you find the right home…in 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.

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What’s important to you?

Communication

Listening to you and keeping you informed

Affordability

Showing you homes within your price range

Needs

Showing you properties that fit your needs

Convenience

Simplifying the home buying process

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My commitment to youAs your buyer’s agent, I will work on your behalf to:

Find you the right property

Negotiate the best price and terms for you

Handle the details and keep you informed

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Representing your best interests...

Buyer’s agent :

Represents you, the buyer

Has a fiduciary responsibility to work for your best interests

Seller’s agent :

Represents the seller

Has a fiduciary responsibility to the seller

A dual agent :

Represents the interests of both the seller and the buyer

Has a fiduciary responsibility to both parties

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The Search Begins!

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I will show you

how

our Online Web

Partnerships

simplify your

home search and

expand your

opportunities!

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coldwellbanker.com

coldwellbankerpreviews.com

californiamoves.com

I can provide you with valuable information through our award-winning Web sites, coldwellbanker.com

Searches for homes that meet your needs

• E-mails new property information to you as itbecomes available

• Property searches delivered right to yourdesktop with our Personal Retriever Widget

Neighborhood Information

• Provides facts about schools, climate, andhousing values

• State-of-the-art mapping technology gives you abird’s eye view of property in relation to roadsand neighborhood amenities including schools,hospitals, recreation, shopping, and more.

http://www.coldwellbanker.com/

http://www.coldwellbankerpreviews.com

http://www.camoves.com/

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Coldwell Banker On Location is the first dedicated video real estate channel on YouTube

Video topics include:

Agent videos

Office videos

Video listings

Community videos

Smart tips and news related videos

Allows buyers to search for videos via a map

First to use dynamic IP lookup on the channel

Coldwell Banker On Locationhttp://www.youtube.com/coldwellbanker

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Multiple 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 seller’s agent.

I can help you “visit” many of these homes online or on paper.

I will show you the properties that meet your criteria.

http://www.themls.com/

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Yard 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 it’s 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.

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The prices that sellers askMany factors affect the price that sellers ask for their houses.

Physical characteristics of the house:

Location

Age

Size of house and lot

Physical condition

Floor plan and style

Competition:

Number of properties available

Their prices and terms

Their location and physical condition

How long they’ve been

on the market

Market conditions:

Interest rates

Availability of financing

Qualified buyer demand

Prices of recent sales

State of the economy

Seasonal demand

Asking price also may be affected

by:

Seller’s motivation to sell

Seller’s original purchase price

Seller’s need for cash

Opinions of others

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The value of a Competitive Market AnalysisAs your buyer’s agent, I will prepare a Competitive Market Analysis with information on properties

similar to the one you’re considering. It will describe homes that:

Are currently on the market

Are under contract

Sold recently

Failed to sell

This comparative data will help you decide whether the

home you like is worth the price.

http://www.toolkitcma.com

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Mortgage 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.

http://www.firstcapitalmortgage.com

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Making The Purchase

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Preparing the offer…

As your buyer’s 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 presented

Rejecting it completely

Countering it

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

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The Escrow Process

• An independent impartial third party to facilitate the transaction

• Handles deposits and documents

• Coordinates with Title and Mortgage

http://www.westcoastescrow.com

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Title insurance will protect your interests in the property…

A title insurance policy:

Is based on a search of public records that discloses whether any others have a legal claim to the property

Insures you against loss due to certain title defects

http://www.equitytitle.com

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An appraisal provides independent confirmation of the value of the home

Compares the value of the home to others

of similar size, features and location

Is usually required by lenders

An opinion of the property’s value by an

independent appraiser

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Thorough Inspections of the Property by Qualified

Professionals

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A Home Warrantycan protect you from unforeseen risks

Provides repair-or-replace coverage

Gives you peace of mind

Can be purchased by you or by the seller, as agreed upon in the contract

I will provide you with the details of the

Coldwell Banker® Home Protection Plan.

http://homewarranty.ahs.com

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Financing Your Home

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How much home can you afford?

Prequalification

Establishes how much you can afford to borrow

Is not an assurance of mortgage approval

Pre-approval

Is a much more complete approval

Most sellers want to see this at the time an offer is made

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Applying for a mortgage... is the first step after your purchase offer is accepted.

The lender may request copies of:

Current pay stubs

Bank statements

Credit card statements

Investment/brokerage firm statements

Loan statements

Tax returns, usually for two years

Your mortgage application can be processed more easily if you

are prepared with these documents.

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The financing and closing process This is an involved process. I’ll help you through it.

1. Loan application is completed and submitted to lender

2. Lender orders appraisal, credit report, verification of your employment and assets

3. Lender provides a good faith estimate of closing and related costs, plus initial Truth In Lending disclosures

4. Lender evaluates application and support documents, approves loan and issues letter of commitment

5. Loan documents are signed and notarized in Escrow

6. Lender disburses/wires funds to the Escrow or Title Company

7. Required documents are recorded at the County Recorder’s office transferring title into your name

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A walk-through prior to closing…Lets 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.

http://www.conciergeservice.com

My services do not end at close of Escrow!

Be a Client for Life!

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Our Agreement To Work TogetherBuyer Representation Agreement

Defines and details agency relationships

Clarifies my commitment and duty to you as your trusted advisor

Clarifies 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!