Prepared For: Client Name

Why Now is the Time to Buy

Current Marketplace Your Wants & Needs Meeting with Loan

Consultant Purchase Agreement Negotiation &

Protection Communication &

Feedback

REOs, Short Sales, Probates; What “As Is” Means

Writing Offers Agency Agreement About Me & PinnacleOpen Houses Conclusion

INTEREST RATES ARE EXTREMELY LOW !!! Compare these rates to the rates over the last 30 years & then ask yourself these questions: “How long will these low rates last?” “Is it more likely that these rates will rise, or get lower in the market to come?” Prudent Buyers are Not Waiting.

LONG TERM EQUITY GAINS !!!

Look at the huge amount of equity homeowners have gained in each of the last four decades!! Are we being short-sighted to think this will not happen again?

“Waiting to Buy” could be detrimental to your purchasing power & long term cost!

PRICES ARE CONSISTENTLY GOING UP.

Return on Investment

MSN Money.com, Case Shiller

LET’S TAKE A LOOK AT SOME PERTINENT INFORMATION REGARDING OUR CURRENT MARKETPLACE.

Demand

1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997

17% 23% 26% 27% 26% 17% 19% 22% 28% 36% 37% 36% 39% 39%

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

39% 40% 35% 36% 31% 27% 19% 14% 10% 11% 24% 38% 38%

*Percent of households who can afford to purchase the median-priced home in the Los Angeles region

YEAR RATE%

1973 8.04

1974 9.19

1975 9.05

1976 8.87

1977 8.85

1978 9.64

1979 11.20

1980 13.74

1981 16.63

1982 16.04

YEAR RATE%

1983 13.24

1984 13.88

1985 12.43

1986 10.19

1987 10.21

1988 10.34

1989 10.32

1990 10.13

1991 9.25

1992 8.39

YEAR RATE%

1993 7.31

1994 8.38

1995 7.93

1996 7.81

1997 7.60

1998 6.94

1999 7.44

2000 8.05

2001 6.97

2002 6.54

YEAR RATE%

2003 5.83

2004 5.84

2005 5.87

2006 6.41

2007 6.34

2008 6.03

2009 5.04

2010 4.69

2011 4.14

2012 3.??

FHFA 8/2012

“I was one of the most negative on housing. I finally came to the conclusion housing looks like a decent place to put money over the next several years … For those of you renting or on the sidelines, I recommend you at least consider getting „back in‟ and buying a house.”

Mark Kiesel, the PIMCO managing director who just purchased a home.

Ivy Zelman - renowned housing analyst nicknamed

„Poison Ivy‟ for her harsh positions on housing over the last several years.

“We very much believe we‟ve hit bottom.”

Bedrooms, Baths, Pool, Family Room, Backyard, Kitchen, Master Suite, View, Amenities

Let’s Discuss Your Price Range

Let’s Go Over Some Areas & Neighborhoods That Might Be A Good Fit For You.

Let’s take a few minutes for you to meet our Loan Consultant. This will be a confidential meeting, and will help you get a better idea of your affordability and the loan process.

Here is a copy of the California Association of Realtors ® Residential Purchase Agreement.

Let’s Review:

Page 1 and Page 2

Liquidated Damages

Arbitration of Disputes

Home Inspection

Contingencies

Best Possible Price

Escrow Period

Seller to pay Buyer’s Costs & other Financing Terms

Home Inspection Requests

Contingency Time Periods

Possession Periods

Rent Back or Early Possession

Home Protection Plan – Dollar Amount & Company

Personal Property

Amount of Deposit

Not over-paying for the home – CMA

Prelim Title Report Home Inspection Property Profile Home Warranty Policy Help in getting the Best

Loan Requesting

Contingencies Disclosure Issues Home Inspection

Requests Concerns over method of

Termite Repairs

Loan Documents / Terms of the Loan

Purchase Agreement / Counter Offers / Addendums

Asking the Right Questions of the Listing Agent

Protection of your Deposit

Ordering Appraisal

Help in Vendor Choices

Addressing issues of Bankruptcy, Foreclosure, Probate, Divorce

Packing & Moving Issues

Advantages & Disadvantages of “As-Is” Properties

What “As-Is” really means. Do buyers get a home inspection on these types of properties?

Short Sales

Special Clauses and Time Periods to be aware of

It is very important that you communicate your feedback on each home we see. I want to know your likes and dislikes, and also let me know what you think about the price of each home.

Once you have found the home you wish to purchase, you will need to determine the 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.

Make offers you want the other party to sign. Be realistic.

I 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.

Cover letter with a table of contents

Contact information sheet

Letter about me – your agent

Letter from you to the sellers

Strong pre-approval letter

Proof of credit – fico scores

Agency disclosure

Purchase agreement & addendums

W. P. A.

Let’s Discuss What Agency Is.

Buyer Brokerage.

Let me tell you about myself.

Pinnacle – Rated # 1 In Los Angeles County for Number of Sales.

All seven of our offices work together.

We have the top foreclosure agents, top farming agents, top Sphere agents.

Office Exclusives & Pocket Listings. Pinnacle Bulletin Board.

WHAT TO SAY & DO WHEN YOU COME ACROSS HOMES ON YOUR OWN:If you see a home you like on the internet, in

the newspaper, or while driving by, call me immediately. Do not contact the other agent. (This will prevent you from being forced to be represented by an agent you do not know well or may represent the seller.)

Call me & be prepared to give me as much information as possible on the interested property, & I will give you complete information.

If you see a house you want to look at, always call me for an appointment.