THANK YOU FOR GIVING ME THE OPPORTUNITY TO HELP YOU FIND A WONDERFUL

HOME THAT MEETS THE NEEDS OF YOU AND YOUR FAMILY!

Please f ind my exclusive Buyer Package prepared for you in the enclosed documents. You can be assured the programs I have

out lined for you will get you the best possible home at the best possible price.

Enclosed are a number of useful documents about the home -buying process and the high integri ty of service that I offer to cl ients.

It is sincerely my ult imate goal to exceed your expectations with outstanding real estate consulting services. I look forward to

f inding your dream home and helping you, your f r iends, and your family with all of your real estate goals.

BUYERR

Package

ABOUT ME

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5STARS CUSTOMER

SERVICE COMMITMENT

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HOME BUYING PROCESS

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MORTGAGE PREAPPROVAL

/ HOME INSPECTION

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NEGOTIATING / FIRST-TIME

BUYERS NEED TO KNOW

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APPRAISAL / CLOSING COST

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QUESTIONS & ANSWERS

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Cynthia Trinh, Broker

(408) 802-3680

Cynthia@5StarCapital.com

www.5starcapital.com

Residential, Commercial

Investment, Mortgage

BRE# 01412716

NMLS#

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PROFESSIONAL…

I have established myself with many years of professional service and experience, and I am acutely knowledgeable in these communities: San Francisco, Palo Alto, Los Altos, Sunnyvale, Cupertino, Santa Clara, Mountain View, San Jose, San Mateo, Redwood City, Menlo Park, and surrounding areas.

I employ professional skills with solid backgrounds in real estate financing, computer technology, marketing, and education; These skills allow me to be the best at I what I love doing – helping people achieving their goals.

I have dedicated my heart and soul for over 13 years in providing outstanding services focused on unlocking capital and building profits.

As the owner/broker of the 5 Star Capital office in Silicon Valley, I have earned professional recognition in a real estate brokerage and mortgage services to my residential and commercial clients, with a proven track record of integrity and results.

I am also a member of National Association of Realtors I am a Committee Member of the Commercial Global Business

Council where I serve as the preferred agent to represent international clients in U.S. real estate transaction.

PERSONAL…

I’m a proud mother of two daughters. We spend time reading, playing

sports, learning music instruments, and traveling! We are active in the school and local charity projects in the area as well.

Recreation: Cross-fit, yoga, swimming, singing, dancing, reading, and volunteering at school and community activities.

Passion/Dreams: We all strive to make a positive difference while we’re alive. I feel my role as a Real Estate and Mortgage Broker provide positive life-changes to other people. I feel passionate about taking care of my clients. I feel privileged to be able to work with you, and help many people build the American dream.

E N E R G Y C O S T I N C R E A S E

About me I feel my role as a real estate and mortgage broker

provide positive life-changes to other people. I feel

passionate about taking care of my clients.

ALWAYS SMILE

Because my smile is a reason for many others to smile

INTEGRITY

is choosing your thoughts and actions based on values rather than personal gain..

HONEST HEART

produces honest actions.

Experienced & knowledgeable

real estate broker Page 2

AS YOUR REAL ESTATE BROKER, I PROMISE

THAT I WILL:

1. Provide you with 5Stars Customer Service during the

entire buying process including, taking the time to understand your wants, needs and expectations, returning your calls, texts, and emails the same day and being honest with you at all times.

2. Assist you with mortgage lender pre-approval and protect your financial information.

3. Send you a daily customized computer property match and email notifications.

4. Provide personal home tours with itinerary and listing details.

5. Represent you with any builder or developer of your choice.

6. Negotiate the purchase of any “for sale by owner” 7. Advise you on pricing information and market research. 8. Provide a comparative market analysis on property prior

to making an offer. 9. Negotiate the best possible price and terms for you. 10. Disclose to you if I’m working with another buyer

interested in the same property. 11. Answer all your questions about the house and local

community information. 12. Obtain and explain disclosures and make sure home

inspections and repairs are completed. 13. Schedule and coordinate completion of contingencies

and inspections. 14. Connect you with various service providers - inspectors,

lenders, home warranty companies, real estate attorneys, and movers - to best suit your needs.

15. Help to manage and resolve potential problems. 16. Coordinate and supervise the preparation of all closing

documents and guide you through the closing process.

My 5stars service commitment for buyers

WHAT BENEFITS I PROVIDE TO YOU:

1. Be your adviser and advocate during the entire home buying process.

2. Research homes in the area and sort through active listings to make suggestions to match your lifestyle needs.

3. Find a way to attain as many of your needs as possible when dealing with the realities of the marketplace and/or specific financial constraints.

4. Provide you with information on comparative properties; e.g. list price versus actual SOLD price, financing terms, condition and more.

5. Counsel you on how to handle any repairs needed on the property.

6. Use my knowledge and experience as a mortgage broker to consult with you about financing options.

7. Share my knowledge of the real estate market, including price trends, neighborhood conditions and amenities, real estate law, zoning issues, financing, taxes, insurance and negotiating.

8. Discuss a myriad of property details, including a home’s pertinent selling points, floor plans, the neighborhood’s crime rate and community proximity to schools, shopping centers, cultural activities and work centers.

9. Discuss strategies about the offer price, financing terms, interest rate, and possession date.

10. Make requests to the sellers objectively to save you the trouble of getting overly emotional about the deal.

11. Monitoring, Renegotiating, and Closing the property transaction.

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I will work diligently and wisely to act on your best interest; negotiating the best terms

and best price for you. Best of all, the buyer’s agent’s services are free to you.

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Purchasing a home is a major milestone that tops many people’s lifetime to-do lists- and maybe their list of financial fears too. But a qualified real estate professional who understands the entire process can help ease many of these worries. It is my job to orchestrate the successful execution of each

one of each steps.

BUYINGG R

Process Extremely dedicated real estate broker

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H O W A M O R T G A G E P R E A P P R O VA L

H E L P S Y O U

You’ll know how much money you are qualified to borrow: Getting a

preapproval letter from a lender will allow you to know exactly how much home you

can purchase, and streamline your home search because you won’t waste time

looking at homes you can’t afford.

It shows you are a qualified and a serious buyer: Sellers often prefer to work

with pre-approved buyers because they know they are qualified to close the

transaction.

You’ll have more bargaining power: It is advantageous in a multiple-offer

situation. By doing this ahead of time, you may be able to speed up the loan

process and close quicker.

No preapproval, no accepted offer: to some sellers, without one, your offer may

not even be considered

You can avoid heartbreak: The last thing you want is to fall in love with a house

and then be told you can’t afford it.

You are ready to buy: knowing you are committed and fully capable of purchasing

a home, I will be encouraged to worker harder, devoting more time and energy to

help you achieve your goals.

Pre-approval letter is not valid indefinitely: Financial situations can change, such

as losing a job, leasing or buying a car, running up credit card bills, interest rates

rising, etc. You’ll need to update your pre-approval if your circumstances change.

Buying a home is one of the biggest decisions you will ever

make.

A professional home inspection will enable you to learn a

great deal about the ins and outs of a particular home,

answer some very important questions you may have, and

allow you to buy with confidence.

It will also provide you with the information you will need for

any repairs or maintenance your new home may require

right away or in the future.

There are many different types of home inspection

processes but most importantly, you would need a general

or residential inspection. Other specialized inspections you

may need are: termite, chimney, pool and spa, roof, and

well.

Why and how…

W H Y G E T A H O M E I N S P E C T I O N

Choosing a qualified and experienced real estate broker can

mean all the difference in your real estate experience and

the success of your transaction

Hard-working, trusted and devoted

real estate broker

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It might be cheaper to buy than to rent.

Decide location versus space before searching for a home

Examine both financial and personal costs of buying..

You don’t need to have 20% down. FHA loans allow 3% down.

You can probably afford homeownership more easily than you think

You might be able to get a gift for your down payment.

Gift funds may also be allowed for your closing costs.

You’ll have a love-hate relationship with your HOA.

You’re gonna get a tax break

Change a bid strategy that’s failing

Save money for down payment

It may be easier to buy a single-family home than a condo.

The school district will affect home value.

Make sure renovations were professionally done

The residential purchase agreement contains the comprehensive terms of the deal, including sales price, deposit, closing date, disclosure requirements, inspections, and fees agreed upon both parties.

It will be more work than you imagined.

It will all be worth it.

Why and how…

I listen and adapt to my clients needs

T H I N G S F I R S T - T I M E B U Y E R S

N E E D T O K N O W

An agent that can use technology with ease is

going to be more up-to-date on the market in the

area. They will also be more likely to be an

organized person who has their act together. This

is the type of person buyers want to helping to buy

their homes.

N E G O T I AT I N G H O M E P U R C H A S E P R I C E

Keep a poker face: A home is a pretty big purchase both financially and emotionally.

Let your agent, Cynthia to handle all the face-to-face stuff.

Base your offer on the home value, not the list price: Recent sales, pending

sales, active listings, and market analysis are the main factors in determining the

offer price. This is where a good agent, Cynthia can be invaluable.

Expect to compromise: No matter your price range, you won’t find a perfect house.

You’re likely to have to compromise on features and probably even on the big three:

price, size, or location.

Find out why the seller is moving: The more we know about the seller, the better

strategy we can put together.

Learn a complete home history: I will research and provide you information

regarding the seller, the property, and the neighborhood including property

ownership records, mortgage records, property deed history, building permit history,

property incidents, property issues, natural hazards,... The more information you

have, the more confident you are going to be as a buyer.

Negotiating in a buyers market: Congratulation! You are the power. Ask for the

moon. Be careful; a true “lowball” offer can insult the sellers.

Negotiating in a sellers market: You won’t have much leverage as sellers generally

have their pick of buyers to sell their home to. A clean offer, good price, quick close

along with a good agent will win you the home.

Negotiating in a balanced market: Expect the back-and-forth counteroffer phase

to take longer than in buyers or sellers markets.

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In addition to making your down payment, there are other costs and fees

associated with your home purchase. Typically home buyers will pay

between 1.5% to 2% of the purchase price.

Closings costs vary widely based on where you live and the property you

buy. They often include things such as:

Credit report fee

Loan origination fee

Attorney’s fees

Inspection required by the lender or you

Appraisal fee

Survey fee

Title insurance

Title search fees

Escrow fee

Escrow deposit

Pest inspection fee

Recording fee

Underwriting fee

County transfer tax

City transfer tax

Notary fee

Courier fee

Diversified and extensive background in

sales and marketing

C L O S I N G C O S T

I pride myself on providing the very highest caliber

of service to sellers and buyers in every price

range. I’m unwaveringly dedicated to fulfilling each

of my client’s specific needs.

A B O U T H O M E A P P R A I S A L S

No credible financial institution will lend you money for a house without an appraisal.

The appraisal lets a bank or lender know what the loan collateral will sell for in a

worst case scenario.

Appraisal is conducted after you’ve negotiated a price, agreed to buy or sell the

house and signed the contract. The sales-and-purchase agreement should address

the possibility that your appraisal comes in below the purchase price, and allow you

to terminate the contract or renegotiate the price.

Usually, it’s the buyer who pays for the cost of the appraisal. It takes approximately

7-10 days for the appraisal process.

The price given in the appraisal is determined by several factors: recent sales of

similar properties in the area, current condition of the property, the neighborhood and

its impact on future value.

The lender must request an appraisal by a licensed appraiser. The seller and buyer

can’t be involved in this portion of the process. The lender will then determine the

loan amount based on either the sales price or appraisal value, whichever is lower.

If the appraised amount is less than the asking price, three things can happen: 1.

The seller reduces the price to match the appraisal. 2. The buyer brings cash to the

closing table to pay the difference. 3. The buyer walks away from purchasing the

home.

A good agent will be there to meet the appraiser and share the home improvements

and other pertinent data.

Why and how…

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For any questions

C A L L M E o r T E X T M E

(408) 802-3680

EMAIL ME

CYNTHIA@5STARCAPITAL.COM

What is a “Buyer Agency Agreement”?

is a contract between a real estate agent and the buyer to form an exclusive representation

relationship. The buyer agency agreement lays out the commitments of the buyer to the agent, and

of the agent to the buyer

So many questions to ask

The time it takes to sell your current home is

unpredictable. You will have an ideal position to

negotiate on the new home you’re purchasing due to

the fact that you are purchasing without the sale

contingency of your current home. One risk of selling

your current home without buying a new home first is

the chance of not being able to have a place to live. A

“rent-back” is an option that allows for additional time to

find a new home.

What is an earnest money deposit?

When a buyer purchases a home, they provide the

Is it expensive to use a buyer’s agent?.

It doesn’t cost the buyer anything to have their own brokerage representation. Whether a buyer uses

an agent or not, the seller still pays the commission. If the buyer of an MLS listing doesn’t have their

own broker, the listing broker receives “both sides” of the compensation.

What is dual agency?

Dual agency means the listing broker represents both the seller and the buyer in the same

transaction. When an agent acts in a dual capacity, they owe the same fiduciary responsibility to

both parties. A dual agent still must not disclose confidential information to either party and must

operate in a hands-off manner. Then agent no longer acts as an “advocate” for one party or the

other. Rather, the agent becomes more of a mediator. In theory, because the agent knows the

details of each party’s bottom line, the agent can negotiate a solution that will please both parties.

Can I go to an open house without my agent?

Absolutely! But make sure you let the listing agent know that you are currently working with an agent

and please do not share any information with the listing agent.

I own a home, should I buy another before selling my current home?

The biggest benefit to buying a home before selling your current home is the fact that you have a

suitable property lined up. This however can create disappointment and heartbreak. If you are

unable to purchase a new home without having to sell your current home, your purchase offer is

going to be contingent upon sale of your current home.

I own a home, should I sell my current home before buying a new home?

seller’s real estate company a deposit to hold in their

escrow account. The primary purchase of this deposit

is to show a seller you are serious about purchasing

their home. The amount that is deposited is subtracted

from the final figure that a buyer pays at the closing

table.

Do I need to do a walk-through?

Yes. Generally when buying a home several weeks go

by between when you last walked through your home.

Lots of things can change during that time.

What is an earnest money deposit?

When a buyer purchases a home, they provide the

seller’s real estate company a deposit to hold in their

When can I back out if I change my mind?

While buyers can always back out of a deal, doing so

without good reason may forfeit their earnest money.

But there are some ways to walk with your earnest

money in hand. Ask your agent for some loopholes tips.

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