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Home Buyer Services Proposal
Coldwell Banker Previews International
©2009 Coldwell Banker Real Estate LLC. All Rights Reserved. Coldwell Banker® is a registered trademark licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each Office Is Independently Owned And Operated.
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Helping you find the right home…in the right location, at the right price.
Listening
I learn from you by listening, to be more responsive to your needs.
Home-finding plan
I will follow a customized, detailed plan to find the right home for you.
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What’s important to you?
Communication
Listening to you and keeping you informed
Affordability
Showing you homes within your price range
Needs
Showing you properties that fit your needs
Convenience
Simplifying the home buying process
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My commitment to youAs your buyer’s agent, I will work on your behalf to:
Find you the right property
Negotiate the best price and terms for you
Handle the details and keep you informed
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Representing your best interests...
Buyer’s agent :
Represents you, the buyer
Has a fiduciary responsibility to work for your best interests
Seller’s agent :
Represents the seller
Has a fiduciary responsibility to the seller
A dual agent :
Represents the interests of both the seller and the buyer
Has a fiduciary responsibility to both parties
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I will show you
how
our Online Web
Partnerships
simplify your
home search and
expand your
opportunities!
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coldwellbanker.com
coldwellbankerpreviews.com
californiamoves.com
I can provide you with valuable information through our award-winning Web sites, coldwellbanker.com
Searches for homes that meet your needs
• E-mails new property information to you as itbecomes available
• Property searches delivered right to yourdesktop with our Personal Retriever Widget
Neighborhood Information
• Provides facts about schools, climate, andhousing values
• State-of-the-art mapping technology gives you abird’s eye view of property in relation to roadsand neighborhood amenities including schools,hospitals, recreation, shopping, and more.
http://www.coldwellbanker.com/
http://www.coldwellbankerpreviews.com
http://www.camoves.com/
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Coldwell Banker On Location is the first dedicated video real estate channel on YouTube
Video topics include:
Agent videos
Office videos
Video listings
Community videos
Smart tips and news related videos
Allows buyers to search for videos via a map
First to use dynamic IP lookup on the channel
Coldwell Banker On Locationhttp://www.youtube.com/coldwellbanker
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Multiple Listing ServiceI can show you any property listed through the Multiple Listing Service (MLS).
Our office offers area-wide multiple listing information that shows thousands of broker-listed homes for sale, regardless of the seller’s agent.
I can help you “visit” many of these homes online or on paper.
I will show you the properties that meet your criteria.
http://www.themls.com/
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Yard signs and open houses A yard sign or open house can let you know a home is available, but I can help you
know if it’s worthwhile.
I will arrange private showings of all homes that meet your search criteria.
I will accompany you for all showings, however if you do visit an open house on your own, give the salesperson my card and tell them that I am your agent.
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The prices that sellers askMany factors affect the price that sellers ask for their houses.
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’ve been
on the market
Market conditions:
Interest rates
Availability of financing
Qualified buyer demand
Prices of recent sales
State of the economy
Seasonal demand
Asking price also may be affected
by:
Seller’s motivation to sell
Seller’s original purchase price
Seller’s need for cash
Opinions of others
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The value of a Competitive Market AnalysisAs your buyer’s agent, I will prepare a Competitive Market Analysis with information on properties
similar to the one you’re considering. It will describe homes that:
Are currently on the market
Are under contract
Sold recently
Failed to sell
This comparative data will help you decide whether the
home you like is worth the price.
http://www.toolkitcma.com
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Mortgage pre-approval
Being pre-approved for a mortgage can greatly improve your negotiating position.
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.
http://www.firstcapitalmortgage.com
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Preparing the offer…
As your buyer’s agent, I will work to:
Prepare an offer that will meet your needs and provide a solid basis for negotiating with the seller.
Apply information from the Competitive Market Analysis that will determine a realistic offer.
I will present your written offer and negotiate on your behalf.
The sellers will have the choice of:
Accepting your offer as presented
Rejecting it completely
Countering it
I will communicate to you the seller’s response and, if necessary, suggest further negotiating options.
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The Escrow Process
• An independent impartial third party to facilitate the transaction
• Handles deposits and documents
• Coordinates with Title and Mortgage
http://www.westcoastescrow.com
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Title insurance will protect your interests in the property…
A title insurance policy:
Is based on a search of public records that discloses whether any others have a legal claim to the property
Insures you against loss due to certain title defects
http://www.equitytitle.com
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An appraisal provides independent confirmation of the value of the home
Compares the value of the home to others
of similar size, features and location
Is usually required by lenders
An opinion of the property’s value by an
independent appraiser
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A Home Warrantycan protect you from unforeseen risks
Provides repair-or-replace coverage
Gives you peace of mind
Can be purchased by you or by the seller, as agreed upon in the contract
I will provide you with the details of the
Coldwell Banker® Home Protection Plan.
http://homewarranty.ahs.com
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How much home can you afford?
Prequalification
Establishes how much you can afford to borrow
Is not an assurance of mortgage approval
Pre-approval
Is a much more complete approval
Most sellers want to see this at the time an offer is made
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Applying for a mortgage... is the first step after your purchase offer is accepted.
The lender may request copies of:
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.
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The financing and closing process This is an involved process. I’ll help you through it.
1. Loan application is completed and submitted to lender
2. Lender orders appraisal, credit report, verification of your employment and assets
3. Lender provides a good faith estimate of closing and related costs, plus initial Truth In Lending disclosures
4. Lender evaluates application and support documents, approves loan and issues letter of commitment
5. Loan documents are signed and notarized in Escrow
6. Lender disburses/wires funds to the Escrow or Title Company
7. Required documents are recorded at the County Recorder’s office transferring title into your name
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A walk-through prior to closing…Lets you confirm the condition of the property.
A thorough walk-through and verification of condition will take place prior to closing.
I will accompany you.
Should a concern arise during the walk-through, I will assist you in resolving it.
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Coldwell Banker Concierge Online makes homeownership easy - before, during and after your move. This
free service saves you valuable time and money by giving you instant access to our exclusive network of
prescreened, quality service providers, carefully selected for their professional qualifications and customer
service records. From moving and relocation services to maintenance and home improvement projects,
Concierge Online can facilitate every aspect of homeownership to ensure that you have access to the highest
level of service providers in California.
http://www.conciergeservice.com
My services do not end at close of Escrow!
Be a Client for Life!
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Our Agreement To Work TogetherBuyer Representation Agreement
Defines and details agency relationships
Clarifies my commitment and duty to you as your trusted advisor
Clarifies your commitment and responsibilities in the process
Keeps our lines of communication open and outlines how we will work together to achieve your goals