Buyer Services


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Buyer Services

  1. 1. Coldwell Banker ® Buyers Services Presentation We’ll show you the way home. ©2004 Coldwell Banker Real Estate Corporation. All Rights Reserved. ®, TM and SM Are Licensed Trademarks To Coldwell Banker Real Estate Corporation. An Equal Opportunity Company. Equal Housing Opportunity. Each Office Is Independently Owned And Operated Except Offices Owned And Operated By NRT Incorporated
  2. 2. Our Mission Statement We achieve this by providing the best possible Real Estate experience to everyone’s benefit, and in a manner that creates friendships for life. This is our mission. This is our reason for being. This is why we open our doors everyday. To make happy people of all who touch our organization.
  3. 3. Elite Charities <ul><li>Elite Charities </li></ul><ul><li>Our Mission, in addition to servicing the Real Estate needs of our communities is to extend our hearts a step further to improve lives in a broader sense. Our wish is to add warmth, bring hope and to support the spirit of giving throughout the year in our communities and beyond. </li></ul><ul><li>This is just a short list of the many organizations that benefit from Elite Charities: </li></ul><ul><ul><li>American Cancer Society </li></ul></ul><ul><ul><li>National Alliance for Autism Research </li></ul></ul><ul><ul><li>Alzheimer’s Association </li></ul></ul><ul><ul><li>St. John of God </li></ul></ul><ul><li>We have also developed a “Reach Out” Fund as well as Library Funds </li></ul>
  4. 4. We’re on the Move…………are YOU?????? <ul><li>Forget the guesswork. Let Coldwell Banker Elite Relocation introduce you to the area real estate company with the best reputation and local presence to assure you of a smooth transition when you’re buying or selling real estate anywhere around the globe. </li></ul><ul><li>Thinking about purchasing…….we can provide information on area schools and neighborhoods, demographics and taxes and most importantly the best real estate company in your destination location. </li></ul><ul><li>Thinking about selling……we can provide information for a comprehensive market analysis and marketing plan and most importantly the best real estate company in your departure location. </li></ul><ul><li>Your Coldwell Banker Elite Sales Associate is your full service realtor whether you have real estate needs in South Jersey or around the globe. </li></ul>
  5. 5. We’ll show you the way home. A vital first step in buying a home is to choose: <ul><li>The right real estate company </li></ul><ul><li>The right Sales Associate </li></ul><ul><li>You will see why nine out of ten people who </li></ul><ul><li>buy using a Coldwell Banker ® </li></ul><ul><li>Sales Associate would recommend us to </li></ul><ul><li>their friends. </li></ul>We’ll show you the way home.
  6. 6. Helping you find the right home… in the right location, at the right price. <ul><li>Listening </li></ul><ul><li>We learn from our buyers, to be more responsive to your needs. </li></ul><ul><li>Guaranteed service </li></ul><ul><li>With the Buyer Services Guarantee we let you know exactly what to expect – in writing. </li></ul><ul><li>Home-finding plan </li></ul><ul><li>We will follow a customized, detailed plan to find the right home for you. </li></ul>We’ll show you the way home.
  7. 7. What’s important to homebuyers everywhere? <ul><li>Communication </li></ul><ul><li>Listening to you and keeping you informed </li></ul><ul><li>Affordability </li></ul><ul><li>Showing you homes within your price range </li></ul><ul><li>Needs </li></ul><ul><li>Showing you properties that fit your needs </li></ul><ul><li>Convenience </li></ul><ul><li>Simplifying the homebuying process </li></ul>We’ll show you the way home.
  8. 8. Coldwell Banker ® Buyer Services Guarantee Based on what we have learned from our customers, we have developed and refined our service standards and practices to deliver added value. Our written guarantee demonstrates the full service of our company. We’ll show you the way home. Coldwell Banker Concierge SM Personal Touch and Timely Response Seller Disclosure Purchase Offers Closing the Sale HomeBuyer Guidebook Buyer Counseling Session Buyer Representation Home Evaluation Coldwell Banker Home Protection Plan Home Inspections Property Disclosure Financing Alternatives Estimated Net Proceeds Good-Faith Estimate From Lender C O U N S E L I N G SE R V I C E S C U S T O M E R S E R V I C E F I N A N C I N G C O N T R A C T G U I D A N C E
  9. 9. Coldwell Banker ® HomeBuyer Guidebook A step-by-step guide to finding and financing the home you want. <ul><li>Provides information, worksheets and charts, with sections on: </li></ul><ul><ul><li>Beginning the search </li></ul></ul><ul><ul><li>Finding the right home </li></ul></ul><ul><ul><li>Financing your home </li></ul></ul><ul><ul><li>Understanding the language of home buying … and much more </li></ul></ul>We’ll show you the way home.
  10. 10. My commitment to you With your agreement naming me as your buyer’s agent, I will work on your behalf to: <ul><li>Find you the right property </li></ul><ul><li>Negotiate the best price and terms for you </li></ul><ul><li>Handle the details and keep you informed </li></ul>We’ll show you the way home.
  11. 11. The home you are looking for... <ul><li>LOCATION </li></ul><ul><li>Convenient to work </li></ul><ul><li>Convenient to transportation Convenient to schools </li></ul><ul><li>Convenient to shopping </li></ul><ul><li>Near recreation facilities </li></ul><ul><li>Neighborhood </li></ul><ul><li>Other </li></ul>_____________ _____________ _____________ _____________ _____________ _____________ _____________ _____________ _____________ _____________ _____________ _____________ _____________ _____________ _____________ __________ __________ __________ __________ __________ __________ __________ FEATURES (Specify your Preference) Preferred style (colonial, ranch, townhome, etc.) Number of bedrooms Number of bathrooms Family room Bonus/Game room Fireplace Home office Kitchen amenities Basement Garage (no. of cars) Central air conditioning Lot size Pool View Other Rate each item 1-5 (most important=5) We’ll show you the way home.
  12. 12. The prices that sellers ask Many factors affect the price that sellers ask for their houses. <ul><li>Physical characteristics of the house: </li></ul><ul><ul><li>Location </li></ul></ul><ul><ul><li>Age </li></ul></ul><ul><ul><li>Size of house and lot </li></ul></ul><ul><ul><li>Physical condition </li></ul></ul><ul><ul><li>Floor plan and style </li></ul></ul><ul><li>Competition: </li></ul><ul><ul><li>Number of properties available </li></ul></ul><ul><ul><li>Their prices and terms </li></ul></ul><ul><ul><li>Their location and physical condition </li></ul></ul><ul><ul><li>How long they’ve been on the market </li></ul></ul><ul><li>Market conditions: </li></ul><ul><ul><li>Interest rates </li></ul></ul><ul><ul><li>Availability of financing </li></ul></ul><ul><ul><li>Qualified buyer demand </li></ul></ul><ul><ul><li>Prices of recent sales </li></ul></ul><ul><ul><li>State of the economy </li></ul></ul><ul><ul><li>Seasonal demand </li></ul></ul><ul><li>Asking price also may be affected by: </li></ul><ul><ul><li>Seller’s motivation to sell </li></ul></ul><ul><ul><li>Seller’s original purchase price </li></ul></ul><ul><ul><li>Seller’s need for cash </li></ul></ul><ul><ul><li>Opinions of others </li></ul></ul>We’ll show you the way home.
  13. 13. The value of a Competitive Market Analysis As 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: <ul><li>Are currently on the market </li></ul><ul><li>Sold recently </li></ul><ul><li>Failed to sell </li></ul>This comparative data will help you decide whether the home you like is worth the price. We’ll show you the way home.
  14. 14. <ul><li>Home Search </li></ul><ul><li>Searches for homes that meet your needs </li></ul><ul><li>E-mails new property information to you as it becomes available </li></ul><ul><li>Neighborhood Information </li></ul><ul><li>Lets you learn more about the communities that interest you </li></ul><ul><li>Provides road maps and facts about schools, climate and housing values </li></ul><ul><li>Mortgage Center </li></ul><ul><li>Gives you access to interactive mortgage information, rate calculators and other tools </li></ul> I can provide you with valuable information through the award-winning Web site, We’ll show you the way home.
  15. 15. Multiple Listing Service I can show you any property listed through the Multiple Listing Service (MLS). <ul><li>Our office offers area-wide multiple listing information that shows thousands of broker-listed homes for sale, regardless of the seller’s agent. </li></ul><ul><li>I can help you “visit” many of these homes online or on paper. </li></ul><ul><li>I will show you the properties that meet your criteria. </li></ul>We’ll show you the way home.
  16. 16. Homes you see advertised The properties you see in newspapers and buyer’s guides are available right here. <ul><li>You can ask me about any properties that are advertised, no matter who the broker is. </li></ul><ul><li>I will provide you with detailed information and show you the homes that interest you. </li></ul>We’ll show you the way home.
  17. 17. 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. <ul><li>I can arrange private showings of homes displaying an “Open House” or “For Sale” yard signs. </li></ul><ul><li>When visiting an open house on your own, give the salesperson my card and tell them that I am your agent. </li></ul>We’ll show you the way home.
  18. 18. Homes that meet your criteria To find the right home for you... <ul><li>We will tour properties that best match the criteria you have given me. </li></ul><ul><li>As your buyer’s agent, I will share my evaluation of the the homes we see, including factors that may affect their value. </li></ul><ul><li>Describing your candid impressions of each property will help me fine-tune the search process. </li></ul>We’ll show you the way home.
  19. 19. Mortgage preapproval can give you negotiating power Being preapproved for a mortgage can greatly improve your negotiating position. <ul><li>Sellers and their agents know that a preapproved buyer is a serious one. </li></ul><ul><li>Speaking now with a mortgage specialist will give you a loan decision well in advance of making an offer. </li></ul>We’ll show you the way home. ( 866) 577 - 9641
  20. 20. Completing the purchase A successful purchase involves several important elements: <ul><li>Full written disclosure </li></ul><ul><li>Offers and negotiations </li></ul><ul><li>The purchase agreement </li></ul><ul><li>Estimating Closing Costs </li></ul><ul><li>Professional inspections </li></ul><ul><li>Title insurance and appraisal </li></ul><ul><li>Walk-through and final closing </li></ul><ul><li>Home warranty </li></ul>We’ll show you the way home.
  21. 21. A walk-through prior to closing… Lets you confirm the condition of the property. <ul><li>A thorough walk-through will help you determine if the property is in the condition you expect. </li></ul><ul><li>I will accompany you. </li></ul><ul><li>Should a concern arise during the walk-through, I will assist you in resolving it. </li></ul>We’ll show you the way home.
  22. 22. I will monitor the entire purchase process… And help you prepare for a smooth closing. <ul><li>I will: </li></ul><ul><li>Track the satisfactory completion of all contingencies and conditions required under your purchase agreement </li></ul><ul><li>Keep you informed of the progress of the transaction </li></ul>When all documents are signed and funds exchanged, the property is yours! We’ll show you the way home.
  23. 23. A home warranty can protect you from unforeseen risks <ul><li>Provides repair-or-replace coverage </li></ul><ul><li>Gives you peace of mind </li></ul><ul><li>Can be purchased by you or by the seller, as agreed upon in the contract </li></ul>I will provide you with the details of Home Protection Plans available We’ll show you the way home.
  24. 24. How much home can you afford? <ul><li>Prequalification </li></ul><ul><li>Establishes how much you can afford to borrow </li></ul><ul><li>Is not an assurance of mortgage approval </li></ul><ul><li>Preapproval </li></ul><ul><li>Is a firm decision on a home loan </li></ul><ul><li>Makes you a “cash buyer” in seller’s eyes </li></ul><ul><li>Gives you increased bargaining power </li></ul>We’ll show you the way home.
  25. 25. The financing process Financing your home is an involved process. I’ll help you through it. <ul><li>1. Loan application is completed and submitted to lender </li></ul><ul><li>2. Lender orders appraisal, credit report, verification of your employment and assets </li></ul><ul><li>3. Lender provides a good faith estimate of closing and related costs, plus initial Truth In Lending disclosures </li></ul><ul><li>4. Lender evaluates application and support documents, approves loan and issues letter of commitment </li></ul><ul><li>5. Closing is held, loan documents are signed and the loan is funded </li></ul><ul><li>6. Lender disburses funds to the settlement or closing agent, seller is paid and title to the home is yours </li></ul><ul><li>7. Required documents are recorded at the County office of records </li></ul>We’ll show you the way home.
  26. 26. Applying for a mortgage... is the first step after your purchase offer is accepted. <ul><li>The lender may request copies of: </li></ul><ul><li>Current pay stubs </li></ul><ul><li>Bank statements </li></ul><ul><li>Credit card statements </li></ul><ul><li>Investment/brokerage firm statements </li></ul><ul><li>Loan statements </li></ul><ul><li>Tax returns, usually for two years </li></ul>Your mortgage application can be processed more easily if you are prepared with these documents. We’ll show you the way home.
  27. 27. Thank You for the Opportunity to Assist in Your Real Estate Adventure We’ll show you the way home.