home buyer's presentation

BUYER’S PRESENTATION

The Sign Of a

Good Decision

w w w. s h e s e l l s g r . c o m

P r e s e n t e d b y

Sylvia Dana

WOODLAND SCHMIDT

FIRST NAME LAST NAME

Associate Broker

000-000-0000 DIRECT

000-000-0000 CELL

000-000-0000 FAX

FirstName.LastName @CBGreatLakes.com

EMAIL

CBGreatLakes.com WEBSITE

W E L C O M E T O T H E P R O C E S S O F P U R S U I N G Y O U R U LT I M AT E G O A L

T H E P U R C H A S E O F R E A L E S TA T E

“ W H E R E D O W E B E G I N ? ”

SYLVIA DANA

Realtor

616-570-8864 CELL

sylvia@ shesellsgr.com

EMAIL

shelsellsgr.com WEBSITE

H O M E B U Y I N G P R O C E S S W I T H C O L D W E L L B A N K E R

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


H O W D O E S I T W O R K ?

W E W O R K A S A T E A M .

W H E N W E P L A N T O A C H I E V E Y O U R G O A L , I L E A R N A B O U T W H A T M A T T E R S T O Y O U , A N D T H E N G O T O

W O R K O N Y O U R B E H A L F !

I W I L L S E N D O N G O I N G E M A I L S T O Y O U W I T H M O M E N T- T O - M O M E N T U P D A T E S O N L I S T I N G S T H A T

I M M E D I A T E LY A P P E A R O N T H E M A R K E T.

I W I L L N E T W O R K W I T H R E A LT O R S A N D T H E C O M M U N I T Y T O F I N D P R O P E R T I E S .SYLVIA

DANA Realtor

616-570-8864 CELL


EMAIL


H O W D O I L E G A L LY R E P R E S E N T Y O U ?

D I S C L O S U R E R E G A R D I N G R E A L E S TA T E A G E N C Y R E L A T I O N S H I P S

E X C L U S I V E B U Y E R A G E N C Y C O N T R A C T

N O S H O RT C U T S .

T H I S I S T H E L E G A L A N D C O R R E C T C O N D U C T F O R A N A G E N T T O TA K E W I T H A B U Y E R C O N S I D E R I N G

A P U R C H A S E O F R E A L E S TA T E

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


HOW A BUYER’S AGENT BENEFITS YOU!

S e r v i c e s & D u t i e s P r o v i d e d

• Arrange property showings

• Assist with financing

• Provide accurate information

• Explain forms & agreement

• Monitor escrow & closing

• Give you advice & counsel

• Prepare a CMA (comparative market analysis)

• Keep your bargaining & financial position confidential

• Promote & protect your best interests

• Negotiate the best price & terms for you

• Point out reasons not to buy

• Pass on information that may enhance your bargaining position

• Assist in writing the offer with your best interests in mind

• Exposure to entire market both listed & UNLISTED properties

• Give you a competitive market analysis


F I R S T I N T E R V I E W Q U E S T I O N SPlease answer these questions to assist in the buying process

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


F I N D I N G A N D F I N A N C I N G A H O M E M A D E S I M P L E

When using a Coldwell Banker Sales Associate,

you can be confident your search for a new home

will be successful.

T H E F I N A N C I N G P R O C E S S• Determine your budget and how much you can afford

• Get pre-approved for a mortgage

• Gather the documents you’ll most likely need • Two most recent pay stubs

• W-2 forms for the past two years

• Federal tax returns for the past two years

• Last two months bank statements

• Long-term debt information such as credit cards, auto loans, etc.

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


I N F O R M AT I O N N E E D E D F O R L O A N A P P L I C AT I O NDocuments Needed o Personal check to pay for appraisal and credit report o W-2 forms for last two years o Paycheck stubs covering the most recent 30 days o Most recent asset account statements; i.e. Bank Statements, IRA, 401K, Mutual Funds, stock, etc. o Previous addresses for the past 2 years

Information That May Be Required o If you are divorced - a copy of complete divorce decree along with any amendments o If you pay alimony or child support - a “friend of the court” letter stating payment amount and showing

the account is current or 12 months cancelled checks if paying directly to recipient o If you are self-employed - employed in a family business, or you income is based on commissions; tax

returns for last two years complete with all schedules o If you present home is for sale - or sold, copy of the listing, purchase agreement, or closing statement

If You Are Purchasing A Home o Purchase agreement and all addendums – signed by the buyer and seller o Phone numbers for the Realtors involved o Property information listing sheet

If You Are Applying For A FHA or VA Loan o Seller’s disclosure for home you are buying o For VA only – your certificate of eligibility

If You Are Building A New Home o Phone number and address of your licensed builder, blue print plans, and specifications (copy of contract if

possible) o Legal description of lot o Copy of warranty deed if subject property is owned free and clear

If You Are Refinancing o Copy of your current homeowners policy showing dwelling coverage, annual premium and renewal date o Summer and Winter property tax amounts o Exact mortgage balance and escrow balance of current mortgage(s) o Owner’s title insurance policy o If refinancing a land contract - copy of the land contract and address of land contract holder

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


G E T T I N G A P P R O V E DA lender will check your credit to see if you’re a good candidate for a

loan. If your credit rating is poor, there are things you can do to

improve it.

• Make sure the report is correct. If not, call to fix it

• Begin to pay your pills on time

• Use two to four credit cards so you can keep track of them

• Keep a separate checking and savings account

• Keep the same job for a few years

P R E - A P P R O V E D V S . P R E - Q U A L I F I E D• Pre-Approved: confirmation that the lender will give you a

commitment to support your purchase

• Pre-Qualified: an estimate of what you can afford

Being pre-approved makes you a more attractive candidate to the

seller when making an offer

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


D E C I D I N G O N A M O R T G A G EFixed Rate Mortgage

The interest rate stays the same for the entire term of the loan

Adjustable Rate Mortgage The interest rate in linked to a financial index and may fluctuate with market

conditions. As such, payments may vary over the life of the loan

C A L C U L AT I N G Y O U R B U D G E TTo estimate your budget, add up your total financial worth and then

subtract all the cost in the purchase.

Some expenses you may carry: • Down payment • Mortgage • Insurance • Taxes • Points • Attorney’s fees

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


T H E F U N B E G I N S !

Things to consider:

• Size of property

• Type of neighborhood you desire

• Quality of school system

• Nearby public transportation

• Urban or Suburban

M U LT I P L E L I S T I N G S , O P E N H O U S E S , & S P E C I A L F E AT U R E S

As your Coldwell Banker Sales Associate, I can show you every home

available on the market that meets your specific

needs.

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


R E A S O N S T O B U Y T H R O U G H A C O L D W E L L B A N K E R A J S - S C H M I D T A G E N T

1. Coordinate showings, complete follow-up research i.e. utility info, tax info, review survey

2. Provide professional opinion regarding price using a comparative market analysis

3. Deliver prompt communication (via phone calls, texts, emails)

4. Work with lender from pre-approval to close (estimate closing costs, coordinating inspections/

appraisals)

5. Coordinating all inspections and appraisals

6. Negotiate purchase agreement with buyers best interest

7. Review seller disclosure

8. Provide home warranty guidance

9. Coordinate pre-closing walk through

10. Decipher inspection reports

11. Coordinate closing

12. Follow-up to ensure buyers satisfaction

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


T O P 1 0 P O W E R Q U E S T I O N S

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


WOODLAND SCHMIDT

FIRST NAME LAST NAME

Associate Broker

000-000-0000 DIRECT

000-000-0000 CELL

000-000-0000 FAX

FirstName.LastName @CBGreatLakes.com

EMAIL

CBGreatLakes.com WEBSITE

T H E B E S T WAY T O S E E O U R WAY C L E A R ?

A C U S T O M I Z E D S E A R C H C R E A T E D B Y M E , F O R Y O U !

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


I N F O R M AT I O N I S E V E RY W H E R E !

“ W H A T I S A C C U R A T E , R E L I A B L E , A N D U P - T O - D A T E ? ”

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


Ads in Newspapers, online or magazines. If you see an advertisement for a home that looks interesting to you, call me with as much identifying information as possible. I will research it immediately and get back to you as soon as possible. - For your online shopping, visit shesellsgr.com

For Sale signs. If you see a home with a For Sale sign from a real estate office and you have an interest in a home, call me with the name of the company and address of the house. I will research the information and get back to you.

For Sale by Owner signs. Call me with the address and phone number that is shown on the sign. I will get the details about the home for you. If you find a For Sale by Owner house you are interested in, I will prepare a market study for you for pricing. If you decide to purchase the home, I will prepare the offer for you on our sales contract and do all negotiations with the seller on your behalf. I will charge the seller the brokerage fee for this service.

Open Houses. Visit open houses that you might have an interest in. Tell the agent holding the open house that you are working with “Sylvia” at Coldwell Banker Woodland Schmidt. If you find a home you like, call me immediately.

Home Study. Do your homework. Studying listing sheets I give. Drive by and check out the neighborhoods. Call me with the address when you want to see the home. I will make the arrangements.

Call me for appointments. Do not call the owner of a listed property directly, we will work through the Realtor marketing the property. Do not preview a home with another Realtor without contacting me first, the one exception being open house. It is usually necessary to give a seller a days notice for a showing. They need time to prepare the home and be “out of the way”.

Talking with another agent. Always tell other agents you talk to about a property you are working with Sylvia Dana. You will be given the information without a lot of questions. If you have a problem with an agent, tell me, I will handle it.

H O U S E H U N T I N G G U I D EThis is a recommended procedure when working with Sylvia Dana of Coldwell Banker AJS-Schmidt

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


A N O T H E R M E A N S T O L O O K F O R P R O P E RT Y

“ I ’ M O V E R H E R E ! ”

F S B O = F O R S A L E B Y O W N E R

P R O P E R T Y S E L L I N G W I T H O U T A R E A LT O R . P E O P L E W H O D O N ’ T K N O W O N E , Y E T N E E D O N E .

M O S T O F T E N , F S B O ’ S P L A N T O P A Y A N A G E N T F O R T H E P R O F E S S I O N A L I S M N E E D E D T O N E G O T I A T E A N D G U I D E A

T R A N S A C T I O N S U C C E S S F U L LY T O T H E C L O S I N G T A B L E .

I N O T H E R W O R D S – T H E Y, T O O , R E A L I Z E A N A G E N T I S N E E D E D A N D A V O I D A D E A L G O I N G B A D .SYLVIA

DANA Realtor

616-570-8864 CELL


EMAIL


As a professional courtesy, I respectfully submit that

_______________________________ is/are contractually

represented by ____________________________ of Coldwell

Banker AJS Schmidt, as a Buyer Agent. Any service you

offer in my absence is appreciated and I will inform you of

any future needs on behalf of my clients, as soon as time

permits. I can be reached at the following numbers. Thank

you.

Direct ____________________

Cell_____________________

Agent___________________________

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


B U Y E R S E R V I C E S G U A R A N T E EBuyer(s)_____________________________________________________________ Buyer(s) Address_____________________________________________________ Phone: Home_____________________ Office______________________ Mobile____________________ Email________________________________________________________________

This Coldwell Banker Buyer Services Guarantee is the commitment that Coldwell Banker____________________ and your Coldwell Banker Sales Associate__________________ will perform the services stated below as part of your representation agreement.

C U S T O M E R S E R V I C E Property Previews Based on your own criteria and needs, we will preview targeted properties in a timely and diligent way. I will do this both on the Internet, as well as by personally viewing properties myself, in order to help you make a decision in the quickest way possible.

If You Are Refinancing Once we fully understand your homebuyer requirements, we will focus our attention to showing you those homes on the market that are in the right location and at the right price.

Personal and Timely Response We will return your phone call or e-mail within 24 hours or less and provide you with a weekly update on your search for a property.

F I N A N C I N G Financing Pre-Approval We will offer to arrange a pre-qualification or pre-approval appointment with a reputable lender to identify your range of affordability and to increase your negotiating strength.

Estimate of Closing Costs and Funds Required We will provide you with a preliminary estimate of closing costs and down-payment requirement anticipated in the transaction.

Good-Faith Estimate From Lender You will benefit from our experience in working with financial institutions to receive an estimate from a lender.

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


B U Y E R S E R V I C E S G U A R A N T E E C O N T.C O U N S E L I N G S E R V I C E S Buyer Counseling Session We will conduct a buyer counseling session to discuss your needs and goals and to plan the search for your property

Buyer Representation We will discuss in detail the nature of your buyer representation choices as well as other issues and alternatives. We will also present and explain to you the representation agreement and the special services and benefits it offers.

Home Evaluation We will discuss the features of a property that may affect its value. This is not a home inspection, but a discussion of the attributes that home buyers place a premium upon when purchasing a home.

T R A N S A C T I O N A S S I S T A N C E Property Disclosure We will review with you any available inspection reports and other documents pertaining to the condition of the property and all physical defects of the property provided to us.

Review of Written Seller Disclosure We will review with you the seller’s written disclosure statement to enable you to accept or specify the remedy for each fault disclosed. At your direction, we will seek remedy for any disclosed faults in the offer to purchase.

Coldwell Banker Home Protection Plan® We will explain to you the option of a home protection plan to reduce your risk of repair after purchasing a property.

Home Inspections We will recommend that you obtain professional building and termite inspections and provide you with the names of reputable inspectors.

Home Inspection Remedies We will work with you to request the seller to remedy the items you specify after your review of the building and termite inspection reports as your offer to purchase specifies.

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


B U Y E R S E R V I C E S G U A R A N T E E C O N T.T R A N S A C T I O N A S S I S TA N C E Negotiation Strategy We will prepare a negotiation strategy for the property you have selected, including a written Competitive Market Analysis and advice on the initial price and terms of offer where permitted.

Offer Presentation If you wish, we will request to present the offer to purchase directly to the seller in the presence of the listing agent.

Pre-Settlement Inspection We will accompany you on a walk-through of the property (if one is provided for in the sales contract) before closing, and we will assist you in dealing with any problems discovered during the walk-through.

Closing the Sale We will monitor and inform you of the progress of the purchase agreement.

After the Sale We will contact you immediately after the closing to follow up on remaining details or services needed.

Should Coldwell Banker _____________________ not perform the services as stated above, you are entitled to terminate the representation agreement. Please keep in mind that state and local regulations and practices may restrict

some services. Written termination must be presented by you in person to the Office Manager. You also agree to provide Coldwell Banker _____________________ with an opportunity to correct the situation within a 24 hour period

following the delivery of the termination notice. If the representation agreement with you is terminated the termination provisions of the representation agreement shall apply.

Buyer_____________________________________________________________ Date ________________

Buyer_____________________________________________________________ Date ________________

Sales Associate on behalf of Coldwell Banker______________________________________________

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL



H O M E B U Y E R ’ S S C O R E C A R DPlease rate each home you see according to its benefits and features for you

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


W R I T I N G T H E O F F E ROnce you’ve found the perfect home, I will write up the offer and

ensure all paperwork and activities are completed so you can close on

your property.

T H E C L O S I N GThis is the meeting where the transaction in finalized. I will guide you

through all closing procedures to make your home officially yours!

E N J O Y Y O U R N E W H O M E !

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


P E N D I N G S A L E C H E C K L I S T

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


M Y M O T I VAT I O N

T H E C O M P L E T I O N O F A S U C C E S S F U L P R O C E S S I A M P A R T O F T H E W I N / W I N

Y O U B E C O M E T H E N E W O W N E R / M Y H A R D W O R K P A Y S O F F

I T G O E S W E L L B E Y O N D M Y P A Y D A Y. M Y S E R V I C E I S M O R E T H A N O N E S A L E A N D D O N E . B E C A U S E I

E N D E A V 0 R T O E N G I N E E R A N E X C E P T I O N A L E X P E R I E N C E , I B E C O M E Y O U R R E A LT O R F O R L I F E .

Y O U E V E N S E N D Y O U R F R I E N D S T O W O R K W I T H M E .

R E F E R A L S

SYLVIA DANA

Realtor

616-570-8864 CELL


EMAIL


home buyer's presentation

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