Eastern Mortgage Services, Inc.

HELPING YOU TURN“FOR SALE BY OWNER”

INTO SOLD!

Presented By:Donald Chase, Loan Officer

Eastern Mortgage Services, Inc.871-8783 Office / 888-896-5772 Pager

About Eastern Mortgage ServicesAbout Eastern Mortgage Services Eastern Mortgage Services is a wholly-owned subsidiary Eastern Mortgage Services is a wholly-owned subsidiary

of Dauphin Deposit Bank and Trust Companyof Dauphin Deposit Bank and Trust Company Locally, EMS services Dauphin Deposit and its three Locally, EMS services Dauphin Deposit and its three

divisions of over 105 branches and 250,000 depositors in divisions of over 105 branches and 250,000 depositors in 12 PA counties12 PA counties

EMS has an extensive network of local offices and EMS has an extensive network of local offices and correspondents nationwidecorrespondents nationwide

EMS is a fully approved Conventional, VA, FmHA, FHA, & EMS is a fully approved Conventional, VA, FmHA, FHA, & PHFA LenderPHFA Lender

Why Sell Your Home Yourself?Why Sell Your Home Yourself?

You’ll need help counting all the money you can save by selling

your home yourself

Save thousands in Save thousands in commissioncommission

You know your home You know your home better than any better than any RealtorRealtor

You’re confident you You’re confident you can sell your home can sell your home quicklyquickly

You may not know a You may not know a good real estate agentgood real estate agent

What Are Our Goals?What Are Our Goals? We hope to obtain We hope to obtain

the mortgage loan the mortgage loan from the buyer of from the buyer of your homeyour home

We hope to offer our We hope to offer our mortgage financing mortgage financing services to youservices to you

We also hope to We also hope to secure other secure other referralsreferrals

Our Main Goal Is To HelpOur Main Goal Is To Help You Get Your Home Sold! You Get Your Home Sold!

FOR SALEBY OWNER

For An Audio Tour Of This Home Call:

1-888-467-4335Enter Code # 10001

What Services Do We Provide?What Services Do We Provide? Professional “For Sale By Owner” signProfessional “For Sale By Owner” sign Detailed property information flyersDetailed property information flyers Our referral marketing planOur referral marketing plan Pre-qualification of all potential buyersPre-qualification of all potential buyers Open house supportOpen house support Pre-approved mortgage for you Pre-approved mortgage for you Real estate help, if neededReal estate help, if needed ““We’re Moving” PostcardsWe’re Moving” Postcards

Professional Sign ProvidedProfessional Sign Provided Sign has toll-free number for easy accessSign has toll-free number for easy access Your sign has a special code that enables Your sign has a special code that enables

a prospective buyer to call in and hear a a prospective buyer to call in and hear a detailed description of your homedetailed description of your home

Buyers will be more inclined to call a Buyers will be more inclined to call a number that will not result in a high-number that will not result in a high-pressure pressure Sales PitchSales Pitch!!

Buyers can reach you or the lender Buyers can reach you or the lender directly by pressing keys on the phonedirectly by pressing keys on the phone

FOR SALEBY OWNERFor An Audio Tour Of This Home Call:

1-888-467-4335Enter Code # 10001

We Provide Detailed Property We Provide Detailed Property Information FlyersInformation Flyers

We will provide you with marketing We will provide you with marketing flyers for your homeflyers for your home

These give buyers important information These give buyers important information on your home’s features and amenitieson your home’s features and amenities

They also act as a “silent” sales person, They also act as a “silent” sales person, since they are available when you’resince they are available when you’renot at homenot at home

Our Referral Marketing PlanOur Referral Marketing Plan

We’ll send copies of your property We’ll send copies of your property description sheet to:description sheet to:

– Your family & friendsYour family & friends– Co-workers & local businessesCo-workers & local businesses– Former customers and other people on our Former customers and other people on our

databasedatabase This will give your home maximum This will give your home maximum

exposure and a greater chance to sellexposure and a greater chance to sell

Open House SupportOpen House Support If you are planning an open house, we If you are planning an open house, we

can provide marketing materials for thecan provide marketing materials for theopen house open house FREEFREE!!– Property information flyersProperty information flyers– Open house financing sheetsOpen house financing sheets– Open house guest listsOpen house guest lists– Thank you letters and follow-upThank you letters and follow-up

We can also help design advertisingWe can also help design advertising

Free Pre-QualificationsFree Pre-Qualifications You don’t want You don’t want

people going through people going through your house who your house who can’t afford to can’t afford to purchase itpurchase it

We will pre-qualify We will pre-qualify any buyers before a any buyers before a contract is written, contract is written, including creditincluding credit

This will save you This will save you time and headachetime and headache

A Pre-Approval For You!A Pre-Approval For You!

If you are going to be buying a new If you are going to be buying a new home after your home sells, we can home after your home sells, we can pre-approve you in advancepre-approve you in advance

You will have a quicker settlement on You will have a quicker settlement on your new homeyour new home

We have loan officersWe have loan officersthroughout central PA andthroughout central PA andaffiliates across the nationaffiliates across the nation

Finding The Right PriceFinding The Right Price We strongly suggest you perform a full appraisalWe strongly suggest you perform a full appraisal

– EMS will assist in ordering the appraisalEMS will assist in ordering the appraisal– You can make sure you are not You can make sure you are not

under-pricing your homeunder-pricing your home– The appraisal The appraisal maymay be used by the be used by the

buyer in certain situationsbuyer in certain situations If you do not wish to pay for an appraisal, If you do not wish to pay for an appraisal,

we can have a Realtor do a we can have a Realtor do a freefree market market analysis to determine approximate valueanalysis to determine approximate value

This will give you more negotiating This will give you more negotiating strength and will help you hold yourstrength and will help you hold yourhome’s asking pricehome’s asking price

The Pitfalls of Pricing Your The Pitfalls of Pricing Your Home WrongHome Wrong

Saving you dollars does makea ton of cents

Don’t Price Too Low!Don’t Price Too Low! You could lose You could lose

thousands of $$$thousands of $$$ You will have less You will have less

room to negotiateroom to negotiate

Don’t Price Too High!Don’t Price Too High! Your home will take Your home will take

longer to selllonger to sell You will have fewer You will have fewer

showingsshowings You will receive lower You will receive lower

offersoffers Your property will Your property will

help sell help sell other homesother homes

Professional Real Estate HelpProfessional Real Estate Help We will recommend a Realtor to you who We will recommend a Realtor to you who

can answer most your questions for freecan answer most your questions for free– They will not pressure you for a listingThey will not pressure you for a listing– They can help you if you decide to list laterThey can help you if you decide to list later

We also work with local title companies We also work with local title companies and attorneys who can and attorneys who can help with title work andhelp with title work andloan payoffs--includingloan payoffs--includingGuardian Transfer Corp.Guardian Transfer Corp.

Jeffrey L. EsbenshadePresident

Guardian Transfer Corporation

110 East King StreetLancaster, Pennsylvania 17602

Phone (717) 393-7050Fax (717) 393-7570

Mobile 951-5039

FREE FREE “We’re Moving” Postcards“We’re Moving” Postcards When your home When your home

sells, it will be time sells, it will be time to help find a new to help find a new home of your ownhome of your own

We will send change We will send change of address cards to of address cards to all your friends and all your friends and relativesrelatives

It also serves to help It also serves to help advertise EMSadvertise EMS

What Does ThisWhat Does This Mean For You? Mean For You?

Our professional “For Sale By Owner Our professional “For Sale By Owner Sign” will attract Sign” will attract more potential buyersmore potential buyers

By providing detailed information for By providing detailed information for open houses, open houses, you home will stand outyou home will stand out

By pre-qualifying all prospects, you will By pre-qualifying all prospects, you will get a get a serious buyerserious buyer

Your home will Your home will sell quickersell quicker You will You will save thousands of dollarssave thousands of dollars

We Will Help Turn “For Sale By Owner” Into SOLD!

FOR SALEBY OWNER

For An Audio Tour Of This Home Call:

1-888-467-4335Enter Code # 10001