Stepping Stone Properties- Listing Presentation

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Stepping Stone Properties- Listing Presentation

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Stepping Stone Properties- Listing Presentation

  1. 1. We are available to assist you in handling all of your real estate needs from our central Downtown Hendersonville office location, just behind the Visitor&apos;s Center! <br />Service Is The Heart Of Our Business<br />
  2. 2. Our Promise To You<br /> We are with our clients every step of the way.....<br /><ul><li>Real Estate is a personal service business & we know it!</li></ul> don’t just hire a company, hire a person, someone you can <br /> trust to represent your best interest at all times & to <br /> consult with in all of the important phases of your real <br /> estate transaction . <br /><ul><li> You should expect knowledge, skills & experience in the </li></ul> area of financing, contracts, negotiating & marketing with <br /> a track record of producing results. As the real estate <br /> market has changed, the expertise of Stepping Stone <br /> Properties’ Broker Associates & its founding <br /> Owner/Broker, SuprinaStepp, is invaluable in utilizing <br /> computer & data analysis for the sale or purchase of real <br /> estate.<br />YOU SHOULD ACCEPT NOTHING LESS<br />THAN EXCELLENCE!<br />
  3. 3. About Stepping Stone Properties<br />The success of Stepping Stone Properties ultimately depends on the quality of our service. The success of our business can also be largely attributed to more personalized service and integrity. Our business is built on a solid foundation of professionalism as well as a straight forward and caring commitment to our customers and clients. We take great pride in the fact that much of our business is return clients and client referrals. We offer the best combination of modern technology and old fashion personal service.<br />Stepping Stone Properties was established in 1994 by SuprinaStepp, a twenty-six year veteran Realtor and a native of Hendersonville. Suprina was a franchise trained Realtor, but chose to be an independent office in order to maintain the personal touch and to keep the heart of the Real Estate business about serving our client personalized needs. We realize at Stepping Stone Properties that the most important quality that a Realtor can possess is the ability to listen to what the customer/client needs. Our agents strive to do their very best in providing aspects of those needs. It is our goal to make the home buying or selling experience a pleasant one. We are with our clients every step of the way.<br />SSP has recently implemented a very user friendly interactive website to assist our out-of-town buyers as well as local buyers in the search for their ideal property. It is the latest in cutting edge technology. Our new website places emphasis on allowing each prospective buyer to connect with an SSP relocation specialist and on giving the buyer the utmost assistance in locating just the right home. It allows us to better assist our clients in whatever special needs they may have whether they include schools, medical, jobs, or hobbies. Whether buying or selling, our professional and knowledgeable team wants your move to be as smooth and stress free as possible. We realize at SSP that buying or selling a home is one of the most important transactions of your life. We want our buyers and sellers to remember SSP for making their real estate experience one that leaves them with a lasting impression as well as the feeling that they were well represented and cared for on an individual level.<br />
  4. 4. Why Should You Work With a Realtor?<br />What is a REALTOR® and why should you use one?<br />Only real estate professionals who are members of the NATIONAL ASSOCIATION OF REALTORS ® (NAR) can call themselves REALTORS ®. All REALTORS ® adhere to NAR’s strict Code of Ethics, which is based on professionalism and protection of the public. That’s why all real estate licensees are NOT the same.<br />Dedicated to serving America’s property owners at both local and national levels, the NATIONAL ASSOCIATION OF REALTORS ®, The Voice for Real Estate ®, is the largest professional association at over one million members strong. So, whether you’re buying or selling a home – it pays to work with a REALTOR ®. Stepping Stone Properties is proud to say that each of our broker associates are REALTORS ®<br />
  5. 5. REALTORS ® provide sellers invaluable services, and there are many reasons to work with one. A REALTOR ®:<br /><ul><li>Can give you up-to-date information about the market, prices, financing, terms and conditions of competing properties.
  6. 6. Will market your property to other real estate agents and to the public.
  7. 7. Will know when, where and how to best market your property.
  8. 8. Can help you objectively evaluate every buyer’s proposal without compromising your marketing position.
  9. 9. Can help close the sale of your home.</li></li></ul><li>The Code of Ethics: A Commitment to the Public<br />The Code of Ethics of the NATIONAL ASSOCIATION OF REALTORS® is the<br />promise to the public that when dealing with a real estate agent that is a<br />REALTOR ®, they can expect honest and ethical treatment in all transaction<br />related matters. Only REALTORS ® pledge to abide by the Association’s Code<br />of Ethics and only REALTORS ® are held accountable for their ethical behavior.<br />Some of the basic Principles of the Code of Ethics include:<br /><ul><li>Protect an promote your client’s interests, but be honest with all parties.
  10. 10. Avoid exaggeration, misrepresentation, and concealment of pertinent facts.
  11. 11. Do not reveal facts that are confidential under the scope of your agency relationship.
  12. 12. Disclose present or contemplated interest in any property to all parties.
  13. 13. Avoid side deals without your client’s informed consent.
  14. 14. Keep the funds of clients and customers in escrow.
  15. 15. Assure, whenever possible, that transactional details are in writing.
  16. 16. Provide equal service to all clients and customers.
  17. 17. Be knowledgeable and competent in the fields of practice in which you ordinarily engage. Obtain assistance or disclose lack of experience if necessary.
  18. 18. Do not engage in the unauthorized practice of law.</li></li></ul><li>How does working with a real estate agent benefit you as a seller?<br /><ul><li>Establishing proper and competitive pricing for your property.
  19. 19. Assistance in reaching the target market for your property.
  20. 20. Assistance in providing disclosures required by law for your property.
  21. 21. Showing your property.
  22. 22. Pre-qualifying buyers for your property.
  23. 23. Negotiating offers to purchase for your property.
  24. 24. Coordinating inspections, appraisals, closings and various other aspects of a real estate transaction.</li></li></ul><li> MARKET VALUE <br />Your Stepping Stone Agent will provide you with an up to date market analysis which will show you other comparable properties that have recently sold in your area to help you arrive at the best market value for your property. The data in the market analysis will determine your property’s market value. This will give you the most equity for your property and at the same time place your property in a competitive place in the market.<br />
  25. 25. Comparative Market Analysis<br />
  26. 26. EXPLAINING AGENCY<br />The NC Real Estate Commission requires all agents to present at the earliest contact with clients/customers the Working with Real Estate Agents brochure. The brochure explains agency relationships between buyers, sellers and their Real Estate Agent. The brochure explains Dual Agency which occurs when an Agent represents both the Buyer & Seller. Your Stepping Stone Agent will review this brochure with you & answer any questions regarding agency. The brochure is not a contract, but a mandatory disclosure.<br />
  27. 27. MARKETING YOUR PROPERTY<br /> Once you have entered into a listing agreement with Stepping Stone Properties:<br /> Your listing will be entered into our regional multiple listing service. We have close to 4,000 members that share your listing information. We work closely with other member offices and agents that will assist in the marketing process.<br />
  28. 28. Our Customized Marketing For You<br />At Stepping Stone Properties we take pride in our ability to <br />provide our clients with effective marketing and to give their <br />properties the exposure that they deserve. We use a variety of <br />avenues to achieve that end, such as the WNC Regional <br />Multiple Listing Service, the Times News, Homes and Land, our <br />state-of-the-art company website, our international relocation <br />network, Luxury Portfolio and various affiliated luxury <br />property publications, Karnes Commercial Real Estate Search, <br />and just to name a few. With 77% of buyers going to the web <br />before they go anywhere else, we place a heavy emphasis on <br />internet advertising to give your property national and<br />international exposure. We recognize that no two properties<br />are ever alike; therefore, we always take into consideration <br />that additional or unique marketing strategies may be required <br />for certain properties. We are always willing to go the extra <br />mile to give your property the marketing that it deserves.<br />
  29. 29. Multiple Listing Service<br />
  30. 30. Stepping Stone Properties Website<br />Our interactive company website is dedicated to providing buyers and sellers<br />with valuable resources such as comprehensive search features, relocation<br />information, information about Hendersonville and its surrounding areas,<br />mortgage calculators and so much more. When you list with Stepping Stone <br />Properties, your property is available for online viewing 24/7. Our company<br />website also has the ability to track how many hits your property gets on a daily<br />basis! I would like to invite you learn more about our website and to take<br />advantage of these resources by visiting: WWW.SSPREALESTATE.COM<br />
  31. 31.
  32. 32. Each of SSP agent also maintains their own personal webpage to showcase your property and provide valuable real estate information. To learn more about our agent websites you can visit http://suprina.steppingstoneproperties.com as an example.<br />
  33. 33. Broker IDX<br />As a member of broker IDX, when a <br />Stepping Stone Properties listing is <br />entered into MLS our listings are <br />automatically uploaded to other real <br />estate firm websites that are Broker IDX <br />members; thus, increasing your <br />properties exposure on the internet!<br />
  34. 34. TheTimes News<br />Stepping Stone Properties also utilizes the local news print publication to advertise<br />our listings on a bi-weekly basis. We also advertise our open house listings in the print<br />publications as well. Additionally, we have the opportunity to showcase select property<br />Listings on the cover of the Sunday Real Estate section as well as the Friday Real Estate<br />section several times throughout the year, along with several opportunities to have<br />certain property listings featured as “Listing of the Week” in the Sunday Real Estate Ad<br />throughout the year! Should your listing become one of these showcased properties,<br />Sherri will commit to host an open house for your property on the release date of the in<br />addition to any other open houses that may be scheduled throughout the term of the<br />listing.<br /> Our most recent, and most crucial, partnership with the Times News for offering our<br />listings maximum exposure to prospective buyers in the real estate market includes the<br />Hendersonville Times News website at www.blueridgenow.com. You will also notice that<br />our company has secured the top advertisement banner of their online real estate home<br />page to offer yet another avenue of exposure for your listing. This online resource<br />furthers the ultimate goal that SSP has set for expanding its marketing efforts on to a <br />national and international level via the online community, which has become so vital in<br />today’s technology driven market. These efforts also ensure that your property is<br />generating the strongest web presence possible. <br /> There are very visible links to the Stepping Stone Properties website from the Times<br />News homepage and various other points throughout the website, which serve to drive<br />potential buyers to our company webpage where they come in direct contact with the<br />Stepping Stone Properties’ listing inventory.<br />
  35. 35. Times News Real Estate Weekly Publication<br />
  36. 36. Times News Onlinewww.blueridgenow.com<br />
  37. 37. Homes and Land<br />Homes and Land is the most widely <br />distributed Real Estate magazine in the <br />country and is available to potential buyers <br />free of charge! Stepping Stone Properties <br />advertises its listed properties in Homes and<br />Land on a monthly basis. Stepping Stone <br />Properties’ listings also appear on the <br />Homes and Land website. Your property will <br />appear in the Homes and Land publication <br />until it goes under contract with a sale <br />pending.<br />
  38. 38. Homes and Land Publication<br />
  39. 39. Homes and Land on the WebThrough our affiliation with Homes & Land we can also provide online slide show tours for all of our active listings<br />
  40. 40. About Stepping Stone Properties’ Relocation Networkand how it can work for you as a seller<br />The BestJust Keep Getting Better!<br />
  41. 41. Mission Statement<br />To own and operate a network of the finest real estate companies who represent the gold standard of service while generating referral, real estate and corporate relocation business opportunities for the financial and strategic benefit of its subsidiaries, affiliates, clients and partners.<br />
  42. 42. Leading Real Estate Companies of the World™<br />Blue dots represent member office locations<br />Largest network of independently owned real estate companies in the world<br />Nearly 700 firms / 5,000 offices<br />145,000 associates worldwide<br />Representing over 30 countries<br />Over 410 billion sales volume in 2006<br />Generating nearly 60,000 referrals annually with average sales price of $328,000<br />Market leaders<br />Relocation specialists<br />Mega and boutique<br />Common denominator - Quality<br />
  43. 43. Benefits For Our Clients<br />Expanded market for sellers to buyers referred from brokers around the world, RELO Direct, RELO Home Search and Luxury Portfolio – avg. sales price $328,000<br />Outstanding relocation assistance in destination locations for our clients that are moving out of the area– confidence & peace of mind<br />Access to value-added services<br />
  44. 44. LeadingRE’s Value Proposition for You<br />Quality incoming referrals from brokers and RELO Direct® that increase the pool of buyers for your home!<br />Online leads from RELO Home Search & increased exposure for your listings<br />Professional assistance for clients moving in or out of the area<br />Competitive listing advantage<br />International affiliations<br />Outstanding reputation – credibility<br />Service capabilities via outgoing referrals for our clients who are selling and moving out of the area.<br />Additional services<br />
  45. 45. Value Proposition continued<br />Company’s affiliation & interactions with the ‘best of the best’<br />Tremendous marketing tools<br />Affiliation with a network strong in the high-end market<br />Expanded opportunities and exposure via Luxury Portfolio program<br />Additional exposure online via Luxury Portfolio.com<br />
  46. 46.
  47. 47.
  48. 48. Global Growth<br />Argentina | Australia | Austria | Bahamas | Belgium | Canada | Cayman Islands <br /> China | Denmark | United Kingdom Fiji | France | Greece<br />Indonesia | Ireland | Israel | Italy | Jamaica | Mexico | Netherlands | New Zealand Norway | Panama | Portugal | Puerto Rico | Russia | South Africa | Spain <br /> Switzerland | United Arab Emigrates | United States | Virgin Islands<br />
  49. 49. The LeadingREFamily of Companies<br />Broker<br />Network<br />Third-Party<br />Relocation<br />Company<br />Internet inter-city<br />and international<br />homes resource<br />Business<br />Solutions<br />Luxury property<br />program<br />
  50. 50.
  51. 51. Business Moves at a Fast Pace<br />77%<br />Percent of home buyers using the Internet <br />to start their home search process <br />Source: 2005 NAR study<br />
  52. 52. RELO® Home Search benefits you by offering additional online exposure for your property!<br />Access to information for over 2 million listings worldwide<br />Linking to all affiliate real estate company websites<br />
  53. 53. RELO® Home Search – How It Works<br />Consumer clicks a state, selects a city, and receives search results.<br />2<br /> Consumer clicks RHS logo to get <br /> to www.relohomesearch.com<br />1<br />3<br />Consumer clicks company and goes directly to property search.<br />
  54. 54. RELO® Home Search Benefits You!<br />Instant exposure for Stepping Stone Properties’ listings<br />Industry leaders worldwide driving buyers to Stepping Stone Properties<br />251% increase in traffic (Jan ’05 to Jan ’06)<br />Several days in May 2006 with 10,000+ hits<br />Satisfying the information needs of today’s buyer<br />
  55. 55. The Luxury Portfolio™ Opportunity: Available for properties listed for $750,000 and above<br />Unprecedented growth in the luxury market<br />10% of the wealthiest Americans will purchase another home this year…1,000,000 homes<br />36% of consumers will purchase a 2nd property this year: 2/3 investment, 1/3 pleasure homes<br />
  56. 56. Luxury Portfolio™ – Program Details<br />Opportunity to dominate the on-line luxury market – separate website<br />Customized direct links from the company’s website<br />Client communication tools<br />Aggressive public relations program<br />Significant advertising program<br />Collateral material options<br />
  57. 57. www.luxuryportfolio.com<br />
  58. 58.
  59. 59. Luxury Real Estate Publications<br />
  60. 60. Luxury Lifestyle Magazines<br />
  61. 61. Luxury Homes Market – 2006 Sales Over $1 Million<br />$76.9 billion<br />Coldwell Banker $55.9 billion<br />75<br />55<br />35<br />15<br />51,300 sales<br />Coldwell Banker 31,000 sales<br />50,000<br />35,000<br />20,000<br />5,000<br />
  62. 62. Corporate Relocation<br /><ul><li>Relocation management company dedicated to developing relationships with corporations to provide relocation services for their employees
  63. 63. Supporting the independent brokerage affiliates of Leading Real Estate Companies of the World™ by providing the finest relocation services experienced anywhere
  64. 64. Experience in managing accounts of all sizes
  65. 65. Global Headquarters: Chicago, IL
  66. 66. Additional Operations Center:Columbia, SC</li></li></ul><li>RELO Direct® - Corporate Relocation Services<br />Home marketing assistance<br />Household goods move management<br />Home buyout programs<br />Mortgage assistance<br />Temporary housing<br />Expense management<br />Real estate disposition<br /> programs<br />International relocation<br /> services<br />Affinity programs<br />
  67. 67. RELO Direct® - Current Clients<br />
  68. 68. Affinity programs at our disposal as Leading RE members that help us serve you!<br />
  69. 69. Community Data for Consumers<br />
  70. 70. Online Exposure for Commercial Properties with Karnes Commercial Real Estate Search<br />
  71. 71. WWW.REALTOR.COM<br />
  72. 72. REAL ESTATE<br />
  73. 73. HGTV FrontDoor.comReal Estate<br />
  74. 74. www.realestate2view.com<br />
  75. 75. Customized e-flyers: A proactive measure to inform other members of the real estate profession about your property<br />
  76. 76. Your Stepping Stone Agent will design a customized Home Book to Showcase Your Residential Property and to provide all the information a prospective buyer needs to keep your property in the forefront while they are searching for their new home.<br />Your Customized Home Book Contains:<br /><ul><li> Cover Page as displayed on the left.
  77. 77. A one page description of your property.
  78. 78. Information about the area in which the</li></ul> property is located.<br /><ul><li> The MLS Listing Sheet for your property
  79. 79. Gallery Photos
  80. 80. Property Lines
  81. 81. Floor Plan
  82. 82. Arial Satellite Image of Property if </li></ul> available<br /><ul><li> All Relevant Disclosures
  83. 83. Mortgage Estimate</li></li></ul><li>Keeping Your Neighbors in the Loop<br />No one knows a neighborhood better than its residents. Therefore, it is important to keep your neighbors informed when your property is on the market. They can be a valuable resource for spreading the word about your property to potential buyers. As such, your Stepping Stone Agent will mail letters to each of your neighbors to inform them that your property is on the market.<br />
  84. 84. Your Stepping Stone Agent will install a tasteful lawn sign and directional signs<br />Your Stepping Stone Agent will install a lawn sign and directional signs to make it known to prospective buyers and agents that your property is on the market. We can also direct prospects to find your property on our website and to direct them to your virtual tour.<br /><ul><li>STEPPING STONE PROPERTIES MUST OBSERVE ANY SIGN ORDINANCES BY THE TOWNSHIP OR</li></ul> INDIVIDUAL COMMUNITIES WHERE SIGNAGE IS RESTRICTED OR PROHIBITED.<br />
  85. 85. Additional Marketing Strategies<br />Virtual Tours :<br />-Available online through MLS, Our Company Website, Broker IDX and <br />http://tours.360vt.com<br />Home Warranty Options:<br />- Including a home warranty offer in the marketing of residential listings can many <br /> times prove to be a value added incentive to buyers that could very well become a <br /> deciding factor for a buyer who is on the fence.<br />Conference room slide show display of featured company listings:<br />-Increases your property’s exposure to our walk-in clients.<br />Property Flyer Boxes:<br />- Makes information for your property readily available to drive-by<br />traffic.<br />
  86. 86. Virtual Tours<br />Your Stepping Stone Agent will provide a Virtual Tour of your home or community.<br />Your Virtual Tour is available 24/7 and will be in service until we have closed your transaction<br />Virtual Tours have proven to be a very effective tool when working with our out of town clients who quite frequently search the internet for homes to preview before they arrive in our area to purchase a new home.<br />To view a sample virtual tour please visit: http://tours.360vt.com/default.asp?id=364982&market=Asheville<br /> FOR HOMES OVER $100,000 AND PROVIDED A TOUR IS APPROPRIATE.<br />
  87. 87. We Offer Home Warranty Services<br />
  88. 88. Conference Room Display Screen.<br />We want to ensure that your property receives the maximum exposure that it deserves by making it available for viewing to every buyer that we assist by having it on display as a part of our listing slideshow in our conference area!<br />
  89. 89. Property Flyer Boxes<br />Makes information for your property readily available to drive-by<br />traffic.<br />
  90. 90. Showing Service: Coordinating Showings for your Listing<br /> - Showings and appointments for your property are arranged<br /> through aCentralized Showing Service (CSS), which is a service<br /> that coordinates and handles showing arrangements for <br /> property listings within the entire realtor board.<br /> - Utilizing such a service offers many benefits because it provides <br /> cutting-edge technology designed to reduce the time needed by<br /> REALTORS® and increase efficiency in scheduling showing <br /> appointments. Our showing service membership ensures that <br /> quick, courteous & accurate information is provided to every <br /> REALTOR® & home seller that comes in contact with their call <br /> center. It also helps your SSP agent give you feedback on every <br /> showing appointment you have, convey comments made by <br /> potential buyers & it helps Realtors to assist you in the<br /> marketing process.<br />
  91. 91. Benefits of Utilizing a Centralized Showing Service<br />
  92. 92. ShowingYour Property<br />At your request, your Stepping Stone Agent will place a lock box at the front entrance of the home. We use padded protectors to prevent damage on your front door<br />These lock boxes are set on a timer that allows access to a member of our MLS Service during day time business hours only.<br /><ul><li>SSP ensures to provide appropriate measures of security when your property is shown. We will always be sure to instruct our showing serviceto provide a courtesy call before allowing entry into any occupied property. Our lock boxes also record date, time and the individual Agent that uses the lock box.</li></li></ul><li>KEEPING YOU INFORMED<br />YOUR STEPPING STONE AGENT WILL STAY IN CONTACT WITH YOU. WE KNOW IT IS IMPORTANT FOR YOU TO HEAR FROM YOUR AGENT AND TO KNOW HOW THE SHOWINGS AND THE ACTIVITY OF YOUR PROPERTY ARE PROGRESSING.<br />THE MARKETING EFFORTS THAT WE ARE PUTTING FORTH ON YOUR BEHALF.<br />WE WILL KEEP YOU INFORMED!<br />
  93. 93. WHEN YOU RECEIVE AN OFFER TO PURCHASE CONTRACT<br /> Your Stepping Stone Agent will present any and all offers in a timely manner. Your Agent will also go through these detailed documents with you carefully to allow you the opportunity to make the best decision for you and to assist you in the process that begins with an offer to purchase agreement until the successful closing of your transaction.<br />
  94. 94. YOUR STEPPING STONE AGENT CAN ADVISE YOU THROUGH THE PROCESS<br />All of the Inspections prior to Closing<br />Arrange an Appraisal Appointment<br />Earnest Money Questions<br />Radon Inspections<br />Lead-Based Paint<br />Septic System Inspection<br />Well Inspection<br />Water Analysis<br />Wood Destroying Insect Inspection<br />SSP is affiliated with a home warranty provider- American Home Shield.<br />Your agent can assist you in finding the best attorney to close the transaction on your new property.<br />They can also assist you with movers, Utilities change over and even represent you at the closing should you be unable to attend. <br />
  95. 95. FROM CONTRACT TO CLOSING<br /> When you enter into an Offer To Purchase Agreement, often times inspections are ordered either by your agent or the selling agent. Your Stepping Stone Agent can assist you with all of the inspections. For example, often a licensed home inspector will inspect your property and submit a report of the findings of any defects or repairs that may be an issue. They can help advise you of your options and if repairs are in order, help direct you though the process.<br />
  96. 96. OUR MISSION IS TO FIND THE RIGHT BUYER FOR YOUR PROPERTY<br /> We work closely with many Banks and Mortgage Brokers to assist in the process of pre-qualifying buyers before we show your property and to assist in the loan process once a buyer has been found.<br />
  97. 97. WE ARE WITH YOU EVERY STEP OF THE WAY<br /> At Stepping Stone Properties we understand that buying and selling a home is one of the most important transactions you will make in your life. We are trained professionals that will be with you from contract to closing, every step of the way.<br />
  98. 98. When you work with a Stepping Stone Agent you work with a TEAM!<br />Each of our agents are dedicated to promoting a team <br />environment. We believe that each individual agent has <br />something unique and special to bring to every real <br />estate experience. That is why we collaborate in our <br />efforts to provide our clients with the utmost service that <br />they deserve. Therefore, when you work with an agent <br />from our firm you have the entire Stepping Stone Team <br />at your disposal throughout your real estate experience! <br />What a unique concept!<br />
  99. 99. Ways of Contacting Stepping Stone<br />VOICEMAIL: <br />Call the office at (828) 693-3900 and<br />tell the receptionist the name of the agent that you would like to speak with. If they are not in, the receptionist will connect you with their voice mailbox<br />and you can leave a detailed message.<br />CELL PHONE:<br />For an immediate response, your call can be directly forwarded to the agent’s mobile phone.<br />TOLL FREE: (888) 693-3900<br />FAX: (828) 693-0533<br />E-mail: info@steppingstoneproperties.com<br />Please visit our website at:<br />www.ssprealestate.com<br />
  100. 100. Service Is The Heart <br /> Of Our Business<br />Our agents are dedicated to assisting you in navigating the process of successfully closing your transaction and beyond. Your Stepping Stone Agent is with you every step of the way.<br />

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