Home Buyer Consultation

Dear Potential Client,

This Buyer Program is the result of over 50 years of combined real estate experience. Over the years, we have learned what works and what doesn’t. We constantly are searching for the latest techniques to enhance your buying experience.

Our system is successful, culminating in over 1000 closed residential sales. We combine this powerful system with our determination and consistency.

We thank you for taking the time to review our proposal and are hopeful we can be of service to you. Sincerely,

RE/MAX Realty 100 Strategic Partners

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Our Mission StatementWe will focus

all of ourenergy and resources

withuncompromising

honesty and integritytoward meeting

the needsof you, our clients.

Home Buying Process

Initial Interview

Show Property

Offer Received

Negotiate offer

Contract Contract Accepted

Earnest Money

Inspection

Mortgage Company

Credit Report

Appraisal

Verifications

Underwriting Loan Approval

Title Company

Title Search

Assemble Papers Closing Possession

Today’s Home Buying Process

1. Choose an agent to represent you.

2. Meet with a lender (or two) for pre-approval.

3. Complete buyer profile.

4. View property online and at open houses, while your agent previews and looks for homes not on the market or coming soon.

5. Identify your ideal home, and your agent begins negotiations.

6. Complete due diligence, meet your guidelines/timeframes, and close on the property.

7. Move into your new home.

Step One: Choose an Agent or Agents to represent you.

Why Stratgeic Patners?1) We only work with a small number of great clients at one time.2) We review properties daily to stay on top of the market.3) We contact top agents to try and find and properties before they reach the MLS4) We only show you proerpties that match your criteria.5) We will provide analysis on properties before you write an offer to assure

properly valued offers.6) We will negotiate aggresively on your behalf.7) We will work with lenders, appraisers, insurance agents, etc. to ensure a

smooth transaction.8) Buying a home can be stressful… Our job is to reduce as much of the stress as

possible

Buyer Agency

• What is it?• Why is it important to you?

The Old Way Seller

Buyer vsSeller’s Agent

Sub Agent

Buyer Agency

BuyerSeller

Strategic Partners vs Seller AgentTeam

Buyer Agency Agreement

Not too many years ago there were no buyer’s agents. All real estate agents were considered to work for the sellers and owed them loyalty. Buyers may have thought an agent represented them. In reality, that wasn’t true. For instance, if a seller asked how much the buyer could really pay, the agent was obligated to tell them.

Fortunately, that has all changed. Now we can truly represent you, giving you complete “fiduciary duty”: obedience and confidentiality (just like your lawyer). What’s more, you get to choose which great agent or team you want as your buyer representative: We hope it’s Strategic Partners!

To confirm your choice, you simple need to authorize the buyer agency agreement.

Step Two: How Much HouseCan You Afford?

You look at the right homes!Eliminate wasted time looking at homes under

or over your price range.

You get the best financing terms!With no rush, you can shop for the best terms

and a loan officer you’re comfortable with. You make a stronger offer!You could miss a great opportunity waiting to

get pre-approval. Limit surprises!You know about how much cash you will need

for down payments, closing costs, pre-payables, etc. Do we need to ask for seller concessions?

Step Three: Buyer Profile

How we make home shopping easier for you!1. Your home-buying criteria are entered into our custom search protocol.

2. 24 hours a day, 7 days a week, our computers scan the Internet looking for matches to your Ideal Home criteria.

3. Your matches, along with photographs and property details, will be sent directly to your Customer Portal.

4. When you find a home you would like to see, just contact us. We will arrange your showings and accompany you on all appointments.

We put YOU in control!

What Does YourIdeal House Look Like?

It can be tough to find the “perfect” house

Let’s find you the “ideal” house

You can add your personal touchesand

make it perfect for you

Your Customer Portal

Manage Listings . . .• List tab: Shows all listings• Detail tab: Provides more in-depth listing• Photos tab: View photos of every listing• Map tab: View location of every listing• Compare tab: Look at listings side-by-side• Message tab: Message me about properties

MLS DATA SHEET

If you see a home that is not on your search…for sale by owner, builders model, etc., and you would

like to know more about it, just give us a call

If you stop in at an open house, please use our name. We can sell you any of these, too. This will prevent

you from being hounded by strange agents or sellers

Check out our great mobile apps to help with your search!

*Voice Pad**Re/MAX Mobile*

VOICE PAD RE/MAX Mobile

Foreclosures & Short Sales

• Great opportunities, but many cautions– Often require larger deposits &/or down payments– May have to pay cash– Rarely mint condition– Often need major repairs– Can be costly to insure– May not accept home sale contingency– Often no seller condition report

Be very careful and patient, and you may save a lot of money

Step Four: View Property

How Do I Schedule an Appointment?* Phone, text, or email *

We’re easy to reach!

What’s Your Schedule?

Buying a home is a big deal!

Be prepared to take the occasional long lunch or half-day.

We’ve all taken a half day off to wait for the Cable Guy or appliance delivery.

Step 5: YOU’VE FOUND IT!!When you find the Ideal Home, we will . . .1. Prepare a Comparative Market Analysis to determine a fair price for your new

home2. Review Seller’s Real Estate Condition Report3. Review Lead Addendum4. Prepare Offer to Purchase

1. Earnest Money2. Inclusions and Exclusions3. Offer Submission: E-mail, fax, or mail4. Financing: Down payments, monthly payments, closing costs, cash, time frame, etc . . .5. Contingencies: Home sale, well and septic, occupancy, short ale, home warranty, home

inspections6. Present offer to listing agent or Seller7. Negotiate ALL terms and conditions with your best interest in mind

These services and more are yours at no additional charge when you hire us. In fact, if we can’t negotiate to save you at least $1,000 on your purchase or closing costs, we will waive the $595 RE/MAX administration fee! (on purchases above $75,000)

PIC OF CMA

REAL ESTATE CONTITON REPORT

LEAD ADDENDUM

Earnest Money

• Similar to a security deposit• Est: $1 / $1,000 of sale price

Inclusions and Exclusions

ADDENDUM – E-mail Delivery

Contingencies

• Sold Subject: Do you need to sell your home before you can buy the new one?

• Finances: Do you need to access “borrowed” funds for closing? (ex: 401k)

• Do you need closing cost assistance?• Closing Date: Do you have a specific date in mind for moving in?• Does the home have a well or septic system?• Is it a Short Sale or Foreclosure?• Do you want/need a Home Warranty?• Do you really need a Home Inspection?• Do you want/need testing for radon, mold, lead, etc?

HMS WARRANTY SITE

Home Inspections Make Sen$e• Give your new home a thorough check-up• Inspectors will occasionally find major issues• Usually a list of maintenance issues and heads-up for future repair

needs• “Escape Clause” in case a major issue is found• Plan on attending most/all of your inspections

• Defect vs Maintenance Issues• Cost: $300-$450 (does not include other tests)• 15-80 pages of results• 2-3.5 hours• All inspectors must be State Certified

Home Inspection Value

• Most issues are minor and can be solved with minimum expense

• Consider whether you’d prefer the seller to repair the issues or slash the selling price

• Have the seller seek a second opinion to help mediate disputes

Sample Summary Page

Homeowners Insurance

• Most lenders require it

• It just makes sense

Step 6: Estimated Time ChartWeek One• Contract signed and delivered to: Buyer, Seller,

Lender, Listing Agent, Buying Agent• Earnest money delivered• Home inspector scheduled• Loan application made• Title search begunWeek Two• Home Inspection complete• Repairs requested• Monitor contingency status• Appraisal orderedWeek Three• Contingencies and repairs completed?• Lender follow-up, credit, etc• Title Status/Review• Arrange movers• Schedule Walk-thru• Verify Homeowners Insurance

Week Four• Schedule closing• Walk-thru to confirm any repairs,

inclusions, exclusions• Transfer utilities• Confirm closing amount with lender• Arrange for Cashiers Check• Review closing docs (HUD-1, etc)

Nirvana• Attend Closing• Re-review documents• Hand keys to buyers• Personal items, etc

Follow-up call or visit

Step 7: Prepare for Moving Day

• The Mover

• Always obtain a written cost estimate– Local moves: usually hourly charge– Long-distance: usually charge by weight and miles

• Long-distance moves, purchase full protection

• After selecting a mover, arrange a moving date• Use the following timeline

Thirty Days Before

• Determine what you are going to move– Begin getting rid of everything else

• Decide what you are going to pack yourself and what the movers will pack– Movers are NOT responsible for breaking items you pack

• Notify the post office of new address– Fill out change of address cards

• Gather medical and dental records• Notify schools and forward transcripts to new schools• Close local banking accounts• Arrange for the transportation of pets

Two Weeks Before

• Start packing– Do a little at a time

• Return borrowed items and reclaim lent items• Arrange disconnect/connect dates with

utilities• Develop a floor plan to show the movers

where you want your belongings placed in new home

One Week Before

• Dispose of all flammable materials– They should not be moved

• Dismantle outdoor play or gym equipment• Transfer bank accounts and contents of safety

deposit box• Pack items you want to move yourself– Mark “DO NOT MOVE”

One Day Before

• Empty and defrost your refrigerator and freezer– Let appliances air out for 24 hours

• Finish packing personal items

• Get a good night’s sleep!

Moving Day

• Strip beds– Leave fitted bottom sheets on mattresses

• Be present to answer movers’ questions• Accompany movers through the house for an inventory

check• Keep children and pets out of movers’ way• Confirm destination address with driver

– Confirm time and date of delivery• Close all windows and turn off all lights• Lock all doors• Look forward to enjoying your new home!

SUMMARY