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How Prudential Georgia RealtyWill Help You Find Your New Home
For The Best Value Possible.
Prudential Georgia RealtyIs Ranked #1 By the atlanta Business Chronicle (2010 & 2011)
^ Company submitted independent statement of verifi cation
Prudential Real Estate Is One OfThe Largest Global Real Estate
Networks In The World.
Prudential Real Estate Affiliates IsOne Of The Largest Real Estate
Brands In The World!
The “For Sale” Inventory Is Low Compared To Previous Years.
2012 SmartNumbers
Historically Low Prices AndLow Mortgage Rates make
Home Affordability Exceptional!
ObjectivesPriorities
Communications
Time Frame
DecisionProcess
NegotiatingStrategies
We Identify YourGoals & Objectives.1
2 Pre-Qualification Improves Your Negotiating Power and May Be Required By The Seller.
1. What is Your Purchasing Power
• Step 1 - Household Income
• Step 2 - Monthly Expenses
• Step 3 Amount Available for Housing Expenses
2. Understanding Your Credit Score
3. Loan Application Checklist
Identifying Your Financial Needs
Payment History
35%
AmountsOwed
30%
Length ofCredit History
15%
FICO® scores are
your credit rating.
Scores can range from
300-850, higher is better.
NewCredit
10%10%
Types ofCredit Used
We Know GreatFinancial Experts!
We Will Help You FindThe Perfect Home!3
The best decision you can make when buying a new
home is choosing buyer representation with your
Prudential Georgia Realty sales professional.
If You Are A CUSTOMER
(no fiduciary relationship), an agent will:
If You Are A CLIENT
(fiduciary relationship), your agent will:
Maintain loyalty to the seller’s needs
Tell the seller all that they know about you
Keep information about the seller confi dential
Focus on the seller-client’s property
Provide just the material facts
Only provide price information that supportsthe seller’s listing price
Protect the seller
Negotiate on behalf of the seller
Attempt to solve problems to the seller’sadvantage and satisfaction
Pay full attention to your needs
Tell you all that they know about the seller
Keep information about your confi dential
Focus on choices that satisfy your needs
Provide detailed material facts and professional advice
Provide price counseling based on comparable properties and their professional insights
Protect and guide you
Negotiate on your behalf
Attempt to solve problems to youradvantage and satisfaction
Why Choose ABuyer Representative?
Defining Your Ideal Homes
How Do You Commute To Work?
Have Special Educational Needs?
Types Of Communities?
Style/Features Of Home?
Likes And Dislikes OfPrevious Home?
What Are Your Must Have Features?
What Is Your Timeframe?
Have You Ever PurchasedA Home Before?
What Are Your ExpectationsOf Me As Your REALTOR®?
Questions to Think
about when defining
your ideal home:
The Internet HasDramatically Changed
How Buyers Find Homes.3
Our Website Allows You To Search Properties From Any Device, Anytime.
We Provide Listings From All 6 Local MLS Services With The Fastest Updates
And Detailed Information.
We Also ProvideDetailed Market
Trends & Property Information.
Better Information Leads To Better Decisions!
Together, We Visit QualifiedProperties & Narrow The
Search For Your new Home.4
Together, We Make An Offer And Help Negotiate The Best Deal.5
We Can Help Negotiate SpecialPrograms And Incentives.
SUBMITTING AN
OFFER LANGUAGE
Determine the price
you want to offer
Decide on Financing Options
Decide on other issues
that are important to you
I will present your offer to seller
Once agreement is reached
with seller, you will have a
firm contract to purchase home
• Home Warranty
• Job Loss Protection
• Mortgage Incentives
• Closing Costs
We Coordinate InspectionsAnd Help Resolve Contingencies.6
Obtain Loan Approval.7
We Help Prepare You forA Successful Closing.8
Our Partners Simplify The Closing Process And Offer Attractive Pricing.
Settlement Checklist
BeforeSettlement
Confirm date, place, time and ask for a checklist of everything you need to bring to settlement.
Are all necessary inspections complete?
Are all required repairs complete?
Final Walk-through inspection?
Is your insurance policy paid and ready?
What form of check to use for closing cost?
What is the closing amount?
Receipts for items you have already paid for?
Bring checkbook to cover any overlooked fees?
Bring a valid photo I.D.
The Day ofSettlement
Settlement officer will ask for your paidhome insurance policy
Settlement officer will list the adjustments
You will sign the mortgage & mortgage note
You will get title from seller in the formof signed deed
Lender’s representative will collect closingcost and give you a settlement statement
You will receive keys to your new home
The deed and mortgage will be recorded in the town or county courthouse.(Timeframe can vary)
Congratulations, The Home Is Now Yours!
GeorgiaRealty
Welcome To YourNew home!9
We Would BeHonored To
Help You Find Your New Home.