Buyer Services Presentation Coldwell Banker D’Ann Harper, REALTORS®

Prepared for: Mr. Buyer

and Mrs. Buyer

Presented by: Valerie Noia

Information About Brokerage

Services

Has anyone ever explained how REALTORS® work, and

the duties and responsibilities a Broker has

to Buyers and Sellers?

Information About Brokerage

Services

Working with Brokerage Services

Broker Buyer

Loyalty to Buyer

Broker Seller

Loyalty to Seller

Intermediary Broker Listed Properties

Seller

Buyer

Appointments Advice & Opinions

No Appointments No Advice & Opinions

Representing your best

interests...

Fiduciary Responsibility

to SELLER Seller’s Agent

Represents SELLER

Fiduciary Responsibility

to BUYER Buyer’s Agent

Represents YOU! the

BUYER

The home you are looking for...

FEATURES (Specify your Preference)

Preferred style ______________ (Colonial, Ranch, Tudor, Historical, etc.)

Number of bedrooms________ Lot size _____________________

Number of bathrooms _______ Pool

Kitchen amenities _____________ View _______________________

Family room Other ______________________

Bonus/Game room

Fireplace

Home office LOCATION

Garage (no. of cars) _______ Convenient to work

Central air conditioning Convenient to transportation

Convenient to schools

TYPE Convenient to shopping

Single Family Residential Near recreation facilities

Condominium

Other __________________

What’s important to you?

Please share your thoughts with me! Your 3 major Buyer needs: 1. 2. 3. Your 3 major concerns about buying a home: 1. 2. 3. Your 3 major criteria in selecting a Sales Associate. 1. 2. 3.

Finding You the Right Home. . .

Listening To be more responsive to

your needs.

Counseling I will consult with you to

find the right home for you.

Negotiating To prepare the best price

and terms for you.

that meets your criteria, in the right location, at the right price.

My Commitment to You

Find you the right property.

Handle the details and keep you informed.

Represent your best interests.

With your agreement naming me as your Buyer’s Agent

Legacy and Network

Global presence: 49 countries/3100 offices

Over 100 years of real estate experience

Philosophy:

“The Customer’s Best Interest Above All’

REALTOR® Profile

VALERIE NOIA Coldwell Banker D’Ann Harper,

REALTORS® 1112 South Main Street

Boerne, TX 78006 830-816-7245 210-383-1968

vnoia@cbharper.com

EXPERIENCE EDUCATION NOTABLE FACTS

35 Years Business Administration

Business Administration, Computer Programming, Graphic Arts, Real Estate

Researcher at Florida Institute of Technology, Admin. Secretary for NASA Contractor, Computer Programmer Trainee for Dpt. Of Labor & Industries, 2nd Unit Production – Motion Picture Industry, Contractor for the Dpt. Of Defense, CEO – Auto Dealership, Real Estate Associate

Coldwell Banker D’Ann Harper,

REALTORS® Company Statistics

25 Years in San Antonio - since 1986

7 local offices throughout San Antonio, Boerne, Bandera and New Braunfels

350+Sales Associates and employees

Chairman’s Circle – Top 5% of all Coldwell Banker Brokers

Full Service Real Estate Company with:

Full-time Sales Associates

Relocation Division

Property Management Division

Commercial sister company

According to the San Antonio Business Journal, Coldwell Banker D’Ann Harper, REALTORS® has been rated #1 or #2 residential real estate company for eight years.

D’Ann Harper’s Philosophy

REALTORS®& Real Estate Agents

Did you know there is a difference? REALTORS® follow a Code Of Ethics! What the REALTOR® Code of Ethics means for our clients:

You are working with someone you can trust

and will protect your rights.

You can be confident that you are being dealt with honestly.

REALTORS® adhere to a strict Code of Ethics, which is based on professionalism and protection

of the public.

May I Ask You A Question?

“Based on all you have

heard so far would you

agree to hire me as your

REALTOR® today?”

Financing Your Home

Mortgage Pre-Approval

• Being pre-approved for a mortgage can greatly improve your negotiating position and bargaining power.

• Sellers and their agents know that a pre-approved Buyer is a serious one.

• Speaking now with a mortgage specialist will give you a loan decision well in advance of making an offer.

Mortgage Application

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 more

easily if you are prepared with these documents.

The Steps to Buying a Home

Loan Pre-

Approval

with

Mortgage

Co.

Contract

receipted by

Title Co with

Earnest

Money

Loan

Application

Process

Structural &

Termite

Inspection

REALTOR®

shows

properties

Title Co.

Searches

history of

property

Choose the

right home

Loan

Processing

for Buyer

Approval

Review

Comparable

sales for

offer

Appraisal to

confirm

property’s

value

Prepare

Contract

Offer

Final walk-

through

property w/

REALTOR®

Request CB

Home

Protection

Plan

Lender

sends

closing

instructions

to Title Co.

Present

Contract

Offer to

Seller

Closing and

Funding

Consultation

with

REALTOR®

Start

Negotiate

Contract to

full

acceptance

Your

new

home! CONGRATULATIONS

The Search Begins

Billboard

TV**

Builders

Home/Book Magazine**

Open House**

News Ad**

Yard Sign**

Internet**

Real Estate Agent**

4%

4%

16%

19%

45%

30%

55%

88% 87%

Source: The 2011 National Association of REALTORS® Profile of Home Buyers

and Sellers

• Real estate agents are among the top two information sources used by Buyers in a home search.

• We carry out our promises with a plan uniquely designed for each property with our focus on touching all the avenues that Buyers and Sales Associates might use to find your property.

Information Sources Used by Buyers in Home Search

Multiple Listing Service

Provides me 24/7 availability of homes on the market throughout San Antonio and the surrounding areas.

• I can show any property listed through the Multiple Listing Service (MLS).

• I will select the properties that meet your criteria.

• I will notify you when a property comes on the market that meets your criteria.

Searching for Your New Home

If you happen to…

• See a “For Sale” or “Open House” sign by a competitor

– I can arrange private showings of these homes!

• Speak with Other agents – As a courtesy let the salesperson know I am your

REALTOR® and give him/her my card.

• Read Newspapers and real estate magazines – I can show you properties you find in them too!

I am here to represent you and place your best interests first!

VALERIE NOIA, REALTOR®

830-816-7245 - OFFICE 210-383-1968 - MOBILE vnoia@cbharper.com

Factors That Can Influence

Seller Pricing

Physical characteristics of the house:

•Location

•Age

•Size of house and lot

•Physical condition

•Floor plan and style

Competition:

• Number of properties

available

• Their prices and terms

• Their location and physical

condition

• How long they have been

on the market

Market conditions:

• Interest rates

• Availability of financing

• Qualified Buyer demand

• Prices of recent sales

• State of the economy

• Seasonal demand

Competitive Market Analysis

As your Buyer’s Agent I will help you make an informed decision at a fair and competitive price to offer a Seller based on “Market Data”.

The information from the Competitive Market Analysis will offer

data based on:

* Recently Sold Properties * Properties currently on the market * Properties the market rejected

Full Written Disclosure protects your best interests

The Coldwell Banker® organization pioneered efforts that require sellers to disclose, in writing, about their knowledge of the property.

I will thoroughly review the Seller’s Disclosure Statement with you, and help you determine how it might affect your offer.

Other negotiable items we will discuss when

preparing an offer:

- Title Insurance Policy

- Survey

Residential Service Contract

Benefit for Sellers

Helps homes sell faster

Helps with price negotiations

Distinguishes your home from others

Boosts Buyer confidence

Coverage from listing period to closing

Benefit for Buyers

Coverage for unexpected breakdowns in first year of homeownership

Access to a network of service contractors

Confidence in your home purchase

A Home Protection Plan provides peace of mind to Sellers and Buyers

Enjoy Your Home!

Negotiating the Purchase

Agreement

Accepting

Rejecting

Countering your Offer

A well-prepared offer that is effectively presented stands the

best chance of a favorable response.

I will present your written offer to the Sellers and negotiate

on your behalf.

I will communicate to you the Seller’s response and, if

necessary, suggest further negotiating options.

An accepted offer leads to a legally binding contract.

The Sellers will have the choice of:

An appraisal provides independent confirmation of the

value of the home by comparing the value of the home

to others of similar size, features, and location.

You will have the opportunity to hire a Licensed Residential

Real Estate Inspector to give you a report as to the property

condition.

The Inspection & Appraisal

A Walk-Through prior to

Closing…

Gives you the opportunity to determine if the property is in the condition you expect.

I will accompany you and should a concern

arise during the walk-through,

I will assist you in resolving it.

The Progress of the Transaction

As your Buyer’s Agent I will: • Monitor the entire purchase process. • Track the satisfactory completion of all contingencies

and conditions required under your purchase agreement.

• Keep you informed of the progress and help you

prepare for a smooth closing.

When all documents are signed and funds exchanged,

the property is yours!

Coldwell Banker®

HomeBuyer Guidebook

Provides information, worksheets and charts, with sections on:

–Beginning the search

–Finding the right home

–Financing your home

–Understanding the language of home buying … and much more

A step-by-step guide to finding and financing the home you want.

I Am Ready To Go To Work For

You NOW!

Uphold the Coldwell Banker tradition of service

Backed by the extensive resources at Coldwell Banker D’Ann Harper, REALTORS® and the 100+ year heritage of Coldwell Banker®, premier real estate organizations.

Provide my personal commitment

I will devote my energy to meeting your needs, and keep you informed throughout the transaction.

I am prepared to…

Your satisfaction is my top priority!

After the Closing

“Of all the people you know, friends or family, who would likely be the next person to buy or sell a home?”

Thank You