WHY YOU NEED A REALTOR As a licensed real estate professional, I offer much more than just assistance in finding your perfect home. Realtors® excel in negotiating with other agents, advising clients on financial matters, and navigating the areas they serve. We are members of the National Association of Realtors (NAR),adhering to a strict Code of Ethics and Standards of Practice. When it comes to buying your home, a professional Realtor® is your most valuable resource. Let Me Be Your Guide As a knowledgeable Realtor, I can save you significant amounts of time, money, and frustration. As a knowledgeable Realtor, I know the housing market inside and out and can help you avoid the "wild goose chase". As a knowledgeable Realtor, I can help you with any home, whether it is listed with another agency or it is being sold directly by the owner. As a knowledgeable Realtor, I know the best lenders in the area and can help you understand the importance of being pre-approved versus pre-qualified for a mortgage. I can also discuss down payments, closing costs, and monthly payment options that suit you. As a knowledgeable Realtor , I am an excellent source for both general and specific information about the community and its services, schools, shopping, and transportation. As a knowledgeable Realtor , I am experienced at presenting your offer to the homeowner and can help you through the process of negotiating the best price and terms. I bring objectivity to the buying transaction, and I can point out the advantages and the disadvantages of a particular property.

UNDERSTANDING AGENCY Who Works For Whom? SELLER AGENCY (Single Agency) Agent will represent the best interest of the seller Agent will owe the seller fiduciary duties Agent must give the buyer all material facts so that they buyer can make an educated decision BUYER AGENCY (Single Agency) Agent will represent the best interests of the buyer Agent will owe the buyer fiduciary duties Agent must vie teh seller all materials facts so that the seller can make an educated decision TRANSACTION BROKER (Dual Agency) Agent represents both the buyer and the seller equally Agent's objective is to facilitate a mutually satisfactory agreement among all parties Agent gives all options to the buyer and the seller. Depending on the local market, all parties may be present at contract presentation to negotiate on their own behalf. All parties have confidentiality. Agent may do nothing to the detriment of either the buyer or the seller Both the buyer and the seller have a right to counsel. Before making any decisions, both parties have the right to seek outside counsel. In all relationships, as your Agent, I have a duty to act honestly with both the buyer and the seller.

THE ADVANTAGE OF USING A BUYER'S AGENT YOUR INTEREST ARE PROFESSIONALLY REPRESENTED Enlisting the services of a professional Buyer's Agent is similar to using an accountant to help youwith your taxes, a doctor to help you with your health care, or a mechanic to help you with yourcar. If you had the time to devote to learning everything about accounting, medicine, andautomotive mechanics, you could perform these services yourself. But who has the time? This iswhy you allow other professionals to help you in their specific areas of expertise.I will take care of the hassles of everyday real estate transactions for you. I let you concentrate onyour full-time job, while I do my job.I will guide you through the home-buying process andexclusively represent your interests as I help you find a home, present your contract offer, negotiate,and close on your home! YOU GET A PERSONAL SPECIALIST WHO KNOWS YOUR NEEDS Just as your accountant, doctor, and mechanic understand your specific needs, your Buyer's Agentgets to know your real estate needs and concerns. This type of relationship is built through opencommunication at all times. Your Buyer's Agent will save you a lot of time by providing you all thedetails about any home before you see it. In addition, your Buyer's Agent will listen to your feedbackand concerns about each home. YOU WILL GET A GREAT HOME FASTER AND WITH LESS EFFORTS The advantage to signing a Buyer's Agency Agreement is that you will have a professional agentworking to find and secure the ideal home for you. It is much easier to find a home that meets yourneeds, negotiate a contract, and close the transaction with an experienced agent by your side. Youwon't need to spend endless evenings and weekends running around looking for homes or trying tosearch computer networks by yourself. When you tour homes with your professional Buyer's Agent,you will already know that the homes meet your criteria and are within your price range. Entering into a Buyer's Agency Relationship has countless advantages. You are simplyagreeing to "hire" a personal representative who, by law, must represent your best interests tothe best of his/her ability. With me, you get a professional experienced agent devoted toprotecting your needs and to helping you make one of the most important investmentdecisions of your life.

THE NEIGHBORHOOD There are many factors to consider when selecting a neighborhood that is right for you. Below are just a few of the many factors -- You may think of others that are important to you. Please write them on your Home Search Criteria form so they do not get forgotten. Neighborhoods have characteristic personalities designed to best suit single people, growing families, two-career couples, or retirees. Investigate to determine if the neighborhood matches your lifestyle and personality. Scout out the Neighborhood! It is important that you scout the neighborhood in person. You live in more than your house.Talk to people who live there.Drive or walk through the entire area at different times of the day, during the week and on weekends. Travel to and from places that you would typically frequent to be sure you are comfortable. Look for access to major thoroughfares, highways, and shopping.Check with local civic, police, fire, and school officials to find information about the area.Look at traffic patterns around the area during different times of the day and drive from the area to work.Is the neighborhood near parks, places of worship, recreation centers, shopping, theaters, restaurants, public transportation, schools, etc .?

MAKING AN OFFER Once you have found the home you wish to purchase, you will need to determine what offer you are willing to make for the home. It is important to remember that the more competition there is for the home, the higher the offer should be - sometimes even exceeding the asking price. Remember, Be Realistic. Make offers you want the other party to sign! To communicate your interest in purchasing a home, we will present the listing agent with a written offer. When the seller accepts an offer it becomes a legal contract. When you write an offer you should be prepared to pay an earnest money deposit, typically $1,000 but varies on the purchase price and situation. This is to demonstrate that your intention is to purchase the property. After we present your offer to the listing agent it will either be accepted, rejected, or the seller will make a counter offer. This is when we will negotiate terms of the contract if necessary. Once an offer has been successfully negotiated and signed by both parties, we’ll work together to handle any contingencies, manage escrow deposits, and coordinate with your lender to ensure a smooth path to the settlement table.

AFTER THE CLOSING AN ONGOING RELATIONSHIP WITH MY CLIENTS While the Closing may mark the end of the purchase process, I hope it will mark the beginning of our ongoing relationship. I make a concerted effort to keep in touch with my clients and to continue to be a resource for their real estate and neighborhood needs. Of course, if you need referrals for plumbers, electricians, and other service professionals, I am always happy to provide you with a list of trusted vendors. YOUR REVIEWS AND REFFERALS ARE KEY! Maintaining ongoing client relationships is part of my commitment to provide a level of real estate service well above and beyond expectations. My clients share their positive experience with friends and associates who then seek me out. This has allowed me to build a successful real estate practice based on referrals. As a result, I can devote more of my time to helping clients and less looking for new ones. If you are happy with my service, I hope you will spread the word and send people my way so I can help them the same way I helped you. That's a win-win all around!