Chuck's Buyer Services Proposal

8/9/2019 Chuck's Buyer Services Proposal

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repared by Coldwell Banker Hearthside * Malvern

Coldwell BankerBuyer Services Presentation

A look into the program and the benefits


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On behalf of all the ownership team, management and the agents of Coldwell Banker Hearthside,please allow us to thank you for the opportunity to explain why we feel our value is the one that willbenefit you most as you purchase one of your most important investments.

In this unique real estate environment, the team who offers the most in the way of top-quality tools andcompetitive services is the one you should trust with your business. With the support of the strongestreal estate brand in the nation, Coldwell Banker Hearthside offers a tremendous array of services to

buyers in every price category and geographic region.

Our affiliation with Cartus Corporation one of the largest single providers of relocation services in theworld means that Coldwell Banker Hearthside agents are working with relocating employees inalmost every market we serve.

As you will se in the pages that follow, the Internet consumer has been a driving force behind marketchange. Our company has studied this consumer thoroughly, and with the assistance of firmsthroughout the nation has put together a top-tier internet service team to maximize our ability to meettheir needs. The studies also show, however, that these consumers value the local knowledge of a

Realtor, which is why each of our offices is comprised of the industrys best agents.Having formed key relationships with mortgage, title and insurance providers, as well as havingcreated one of the strongest Coldwell Banker Concierge programs in the nation, we feel we can alsooffer one-stop shopping that is far superior to what many other firms advertise.

We hope you will realize through the material presented in this package that Coldwell BankerHearthside offers you the important resources necessary to help in the purchase of your home. Welook forward to added you to our list of clients who have realized that at Coldwell BankerWe neverstop moving.


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Coldwell Banker


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Legacy and Network

Global presence; in 49 countries and 3,324 officesworldwide

Over 100 years of real estate experience$226 billion in sales volume globally in 2008Transaction sales amount was 10% higher than the industry

averageColdwellbanker.com generates over 390,000 consumer

inquiries per month and is the most visited national realestate franchise brand online

Our agent network comprises of agents who made up 25%of the 2008 Real Trends 500 Report by sales volume; this is

76% higher than the nearest competitor.


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Training Magazines Top 125


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Office Locations

#1 Coldwell Banker affiliate in Pennsylvania

Largest Coldwell Banker in Pennsylvania

18 Residential Offices

Commercial Division

Award winning Relocation Division


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Our Relocation NetworksWith connections in more than two-thirds of the FORTUNE 50 companies

Coldwell Banker Hearthside represents about 70% of all the area relocations.

Award Winning Service

In the past year Cartus Broker Networkmember brokers have closed more than65,000 home sales (roughly $18 Billion)while serving the relocation needs ofsome of the nations largest firms.

Each year the staff at Cartus evaluatesits member brokers based on a highperforming metrics system. Those whoexceed the goals (which is less than one

percent of members) are designated asPlatinum Brokers for the followingyear. Coldwell Banker Hearthside isproud to have achieved Platinumstatus in multiple years.

Focused on ResultsCartus Network Brokers representedhomes on market for 12% fewer days

(approximately 3 fewer weeks) than didnon-Network brokers.

A Dedicated Staff

Dealing with large relocation networksrequires a full-time staff commitment.Unlike many real estate brands thatclaim to have mastered the corporate relocationbusiness, we have a full-timedivision of professionals who handle ourrelationships with the top relocationproviders - and who are known in theindustry for their management ability.

A Benefit for all SellersEven if you do not work for a companywith a national relocation contract youbenefit from this relationship, as ourfirm also manages incoming employeemoves for the majority of these firms.That means our agents are often theones introducing new employees to ourarea and to the homes for sale with

Coldwell Banker Hearthside


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OurOther Core Services

Mortgage Mobility, LLC.In this time of fly-by-night internetlenders and buyers finding themselves

without a loan on settlement day, wefeel it is important to have a top-notchpartner in the mortgage industry. Theteam at Mortgage Mobility has beennamed Best of Bucks-Mont two yearsin a row. They have a dedicated, fulltime staff who care about the consumerand make sure their clients come to thesettlement table confident they are

going to be able to close on their newhome.While we try our best to ensure buyersare prequalified by a reputable lender,you can always ask for a review of thatcommitment by a Mortgage Mobilityprofessional.

Coldwell Banker ConciergeDogwalking, painting, electrical service.

You name it, we can find it - and we onlyrefer insured, bonded professionals.

Conveyancing & Closing ServicesAre the certifications all in place? Havethe buyers received title insurance?

These are all questions sellers face eachtime they agree to sell their home. Ourinternal staff watches over all the tinydetails, keeps you in the loop, and makesyour settlement day a breeze.In many firms, individual Realtors aretasked with conveyancing - the term forbringing your file through to settlement.At Coldwell Banker Hearthside, we

make sure dedicated, knowledgable prosare working with your file and handlingany issues that arise.

Insurance, Insurance, InsuranceWhen buyers need insurance to protecttheir purchase, we are there. We haverelationships with Property & Casualty,Title and Home Warranty providerswho can make sure everything is under

control.

Youre busy. We know it. That is why we keep you connected

with every service provider necessary to complete the transaction.


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Search for Homes by School District

Our new twitter-feed serviceallows buyers to follow any school

district where they may haveinterest in moving, to get newlistings "by tweet" every day, and toget market data for that districtfed in a purely socialmanner. When the search is done,just un-follow that district and thedata quits flowing without delay.Just as important to us, if you want

more information on that district justDM that account and we'll get rightback.

Get Market Updates On TwitterThere are millions of twitter users throughout the world (the

company does not release actual usage numbers). Athletes,

corporate execs and journalists everywhere are now using this140-character micro-blogging service to send quick bursts ofdata (tweets) to people around the internet who want to followalong.


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Meeting Your Needs


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Action Plan to Find Your HomeComplete the ideal home survey sheet

Complete the financial information questionnaire

Indicate criteria for community selection or specify specific communities

I will connect you with a mortgage representative to discuss pre-approval

We will review the ideal home and community criteria and reconcile that with your mortgagequalification if necessary

I will search the MLS and other sources available to me in order to prepare a list of candidateproperties

I will set up appointments to see the selected homes.

The remaining plan of action will dependupon our success with the initial list ofcandidate properties. We will either proceedto the settlement process if we find the righthome during our initial search, or continue tomonitor the market in the event that we wereunable to find the right home from thosecurrently available for sale.


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Home Finders Profile


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Your 3 major criteria in selecting a real estate company:

1.

2.

3.

Your 3 major criteria in selecting a Sales Associate:1.

2.

3.

Whats important to you?Please share your thoughts with me.


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Your 3 major buyer needs:1.

2.

3.

Your 3 major concerns about buying a home:1.

2.

3.

Whats important to you?Please share your thoughts with me.


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The home you are looking for...

LOCATION

Convenient to work ____ Convenient to transportation ____Convenient to schools ____Convenient to shopping ____ Near recreation facilities ____

Neighborhood ____Other ____

FEATURES (Specify yourPreference)

Preferred style (colonial, _____________

ranch, townhome, etc.) _____________

Number of bedrooms _____________

Number of bathrooms _____________

Family room _____________

Bonus/Game room _____________

Fireplace _____________

Home office _____________

Kitchen amenities _____________ Basement _____________

Garage (no. of cars) _____________

Central air conditioning _____________

Lot size _____________

Pool _____________

View _____________

Other _____________


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Why Choose Buyer Representation


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My Commitment to YouProperty Search

I will appraise your particular criteria for a house and neighborhood, then search for properties that fit thosespecifications. I will set appointments for showings and monitor the market as new listings become available.

Market Data

Market value is determined by many factors, including the availability of similar properties at competitive prices,location, condition, and most of all the price that a knowledgeable buyer is wi lling to pay. I will provide market data tohelp you establish an offering price.

Purchase Offer

There may be other considerations besides price that are equally important in structuring a purchase offer. Theterms and conditions of the offer, amount of deposit and possession date are likely to be factors when an offer is made.I will help you in your preparation of a purchase offer.

Negotiating

When a purchase offer is made, the sellers may be concerned with certain aspects including the ability of thepurchasers to fulfill their agreement, the terms and conditions of the offer, the breakdown of closing costs betweenbuyer and seller and even the motivations and lifestyle of the prospective new owners! I will help structure a

negotiating strategy that will create the desired result, a new home.

Handling Details

A lot has to happen between signing the purchase offer and moving into a new house. I will attend to the details andkeep you in touch with the transaction each step of the way.

Sellers list their homes with real estate agents to ensure professional representation throughout the homeselling process. As a buyer, you deserve the same kind of service!


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Buying Your New Home. Congratulations!

When using a Coldwell Banker

Sales Associate, you will feelconfident your search for a new homewill be very successful.

Lets get started!


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The prices that sellers askMany factors affect the price that sellers ask for

their houses.

Competition:Number of properties available

Their prices and terms

Their location and physical condition

How long theyve beenon 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:Sellers motivation to sell

Sellers original purchase price

Sellers need for cash

Opinions of others

Physical characteristics of the house:

LocationAge

Size of house and lot

Physical condition

Floor plan and style


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The 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 themarket

Sold recently

Failed to sell

This comparative data will help you decide whether the

home you like is worth the price.


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OnlineAccess

coldwellbanker.com provides

access to over 600,000properties. You can also find ourproperties on your smartphone!

A few unique features include


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Coldwell BankerOn LocationSM

Coldwell BankerOn Location is the firstdedicated 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


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Multiple Listing ServiceI can show you any property listed through the Multiple

ListingService (MLS).

Our office offers area-wide multiple listinginformation that shows thousands ofbroker-listed homes for sale, regardless ofthe sellers agent.

I can help you visit many ofthese homes online or on paper.

I will show you the properties that meetyour criteria.


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Yard signs and open housesA yard sign or open house can let you know a home is

available, but I can help you know if its worthwhile.

I can arrange private showings of homes displaying anOpen House or For Sale yard signs.

When visiting an open house on your own, give thesalesperson my card and tell them that I am your agent.


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Making The Purchase


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Completing the purchaseA successful purchase involves several important

elements: Full written disclosure Offers and negotiations

The purchase agreement

Professional inspections

Title insurance andappraisal

Walk-through and final

closing Home warranty


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Full written disclosure protects your best interests

The Sellers Disclosure Statement reveals information that mayaffect your offer to purchase.

I will thoroughly review theSellers Disclosure Statement

with you, and help youdetermine how it might affectyour offer.


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Preparing the offer

As your buyers agent, I will work to:

Prepare an offer that will meet yourneeds and provide a solid basis fornegotiating with the seller.

Apply information from the CompetitiveMarket Analysis that will determine arealistic offer.

I will present your written offer to thesellers 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 sellersresponse and, if necessary, suggest furthernegotiating options.


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An accepted offer leads to a legallybinding purchase contract

The purchase contract

Contingencies

Attorney review

The closing process


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Title insurance will protect your interests inthe property

A title insurance policy: Is based on a search of

public records thatdiscloses whether anyothers have a legal claim tothe property

Insures you against lossdue to certain title defects


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An appraisal provides independent confirmationof the value of the home

Compares the value of the home to others of

similar size, features and location

Is usually required by lenders

Can give you additional confidence in the

value of the property

An opinion of the propertys value by anindependent fee appraiser:


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A home warranty can protect you fromunforeseen risks

Provides repair-or-replacecoverage

Gives you peace of mind

Can be purchased by you or bythe seller, as agreed upon in thecontract

I will provide you with the details of a

Home Protection Plan.


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A walk-through prior to closingLets you confirm the condition of the property.

A thorough walk-through will helpyou determine if the property is inthe condition you expect.

I will accompany you.

Should a concern arise during thewalk-through, I will assist you inresolving it.


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Financing Your Home


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Mortgage pre-approval

Being pre-approved for a

mortgage can greatly improveyour negotiating position.

Sellers and their agents knowthat a pre-approved buyer is aserious one.

Speaking now with amortgage specialist will giveyou a loan decision well inadvance of making an offer.


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The financing processFinancing your home is an involved process. Ill help you through it.

1. Loan application is completed and submitted to lender

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

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

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

5. Closing is held, loan documents are signed and theloan is funded

6. Lender disburses funds to the settlement or closingagent, seller is paid and title to the home is yours

7. Required documents are recorded at the County officeof records


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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 moreeasily if you are prepared with these documents.


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Lets estimate the expenses of buying a homeProperty Address: ____________________

Sales Price: ____________________

Down Payment: ____________________

Amount Financed: ____________________BUYERS COSTS:

Loan Items:Loan Origination Fees $________

Appraisal Fee $________

Credit Report $________

Additional Loan Fees $________

Prepaid Items:Interest $________

Hazard Insurance $________

Mortgage Insurance $________

Taxes $________

Assessments $________

Other Fees $________

Recording Fees:

Recording Fees $________

Tax Stamps $________

Other fees $________

AdditionalSettlement Charges:Survey $________

Pest Inspection $________

Home Warranty $________

Home Inspection Fee $________

Assessments $________

Other Fees $________


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TotalSettlement Charges $_____________

Down Payment $_____________

Total Estimate of Buyers Costs: $_____________

Amount Financed $_____________

Interest Rate _____________%Term _____________

Estimated Monthly Payment:

Principal and Interest $_____________

Mortgage Insurance (PMI) (if any) $_____________

Taxes $_____________

Insurance $_____________

Homeowners Assoc. Fee (if any)$_____________

Total Monthly Payment $_____________

Note: This estimate has been prepared to assist the buyer in computing costs. Lenders and other related serviceswill vary in their charges; therefore, these figures are not and cannot be guaranteed by your localColdwellBankeroffice, or by a Coldwell BankerSales Associate.

Expenses continued . . .


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Writing the Offer

Once youve found the perfect home, I will write up the offer andensure all paperwork and activities are completed so you can close

on your property.


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The Closing

This is the meeting where thetransaction is finalized. I willguide you through all closingprocedures to make your homeofficially yours.


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In ConclusionYou should choose

ChuckYeagerbecause:

I will provide you with excellent service and support as guaranteed.

I have made a thorough market analysis of your new home.

I have developed a winning search plan.

I will make every effort to find your perfect home.

I have the resources of Coldwell Banker Hearthside Realtors

I Am Ready To Go To Work For YouNow!


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Documents

Chuck's Buyer Services Proposal