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COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Coldwell Banker® Buyer Services Presentation
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR We’ll Show You The Way Home. A vital first step in buying a home...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR The Right Real Estate Company   Begins With The Proud Heritage o...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR The Coldwell Banker® Organization Today Coldwell Banker is a ful...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Expect the BEST ! <ul><li>20+ years of experience in customer se...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR <ul><li>Ask what the Realtor can do for you? </li></ul><ul><li>D...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR <ul><li>Buyer Representative Agreement   </li></ul><ul><li>Repre...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR We are the ONLY Real Estate Company that offers a WRITTEN servic...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Then, Let Your Realtor Help You Find The Right Home in the right...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Let’s Begin By Knowing How Much Home You Can Afford! <ul><li>Pre...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR 1.   Loan application is completed and submitted to lender 2.  L...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR My Commitment To You <ul><li>Confirm your mortgage pre-approval ...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR The Prices That Sellers Ask Many factors affect the price that s...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Multiple Listing Service <ul><li>I offer area-wide multiple list...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Homes You See Advertised   The properties you see in newspapers ...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Yard Signs And Open Houses   A yard sign or open house can let y...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Homes That Meet Your Criteria To find the right home for you... ...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR The Value Of A Competitive Market Analysis As your buyer’s agent...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Once You’ve Found Your Dream Home A successful purchase involves...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR <ul><li>Prepare an offer that will meet your needs and provide a...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR   Negotiating The Purchase Agreement A well-prepared offer that ...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Mortgage Pre-Approval Will Give You  Negotiating Power   Being p...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR An Accepted Offer Leads To A Legally  Binding Purchase Contract ...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR An Appraisal Provides Independent  Confirmation Of The Value Of ...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR The Home Inspection may also be required by lending institutions...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR A Walk-Through Prior To Closing Lets you confirm the condition o...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR I Will Monitor The Entire Purchase Process   And help you prepar...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR A Home Warranty Can Protect You From Unforeseen Risks <ul><li>Pr...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR My Commitment To You With your agreement naming me as your buyer...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Coldwell Banker Crampsie Realty 519-819-9617 Direct 519-251-1611...
COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR
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Coldwell Banker Crampsie Buyer Presentation

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Transcript of "Coldwell Banker Crampsie Buyer Presentation"

  1. 1. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Coldwell Banker® Buyer Services Presentation
  2. 2. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR We’ll Show You The Way Home. A vital first step in buying a home is to choose: The right Real Estate company The right Sales Associate You will see why nine out of ten people who buy using a Coldwell Banker® Sales Associate would recommend us to their friends.
  3. 3. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR The Right Real Estate Company Begins With The Proud Heritage of Coldwell Banker Founded 1906 Following the devastating San Francisco earthquake in 1906, Colbert Coldwell identified a monumental opportunity : To provide honest, knowledgeable real estate services to help people in need. Later, Benjamin Banker joined the firm, first as a Sales Associate, then as a Partner. It was the beginning of the finest real estate business the world has ever known.
  4. 4. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR The Coldwell Banker® Organization Today Coldwell Banker is a full service Real Estate brand with a growing global reach . Coldwell Banker Sales Associates are trusted by home buyers and sellers for honest, knowledgeable and professional services. We are respected throughout the industry for the success of our customer-friendly approach. The Coldwell Banker system includes master franchises all over the world including Canada, the Caribbean, Central America, China, Israel, Indonesia, Europe and more.
  5. 5. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Expect the BEST ! <ul><li>20+ years of experience in customer service industry </li></ul><ul><li>Strong work ethic </li></ul><ul><li>Professional </li></ul><ul><li>Motivated, Self-Confident </li></ul><ul><li>Committed to responding to your needs immediately </li></ul><ul><li>Strong negotiation skills </li></ul><ul><li>Personalized market plan </li></ul>MISSION STATEMENT: To treat everyone I meet honestly, with respect and care in order to help achieve their goals of homeownership or in helping to sell their home for a good return as quickly as possible. I will do this by knowing as much as I can about my market and my profession and by taking the time to understand my client’s goals, expectations and aspirations. I will be diligent in helping my clients in communicating with a frequency that exceeds their expectations. I want my clients to walk away from their closings with a sense of pride and satisfaction in knowing that I was the right choice for their transaction! Find The Right Realtor
  6. 6. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR <ul><li>Ask what the Realtor can do for you? </li></ul><ul><li>Do you feel comfortable with him/her? </li></ul><ul><li>Will he/she look after your best interests? </li></ul><ul><li>Is he/she easy to reach? </li></ul><ul><li>Does he/she answer your questions? </li></ul><ul><li>Do not be intimidated when you are asked to sign a Buyer Representation Agreement. </li></ul><ul><li>This agreement serves YOUR best interests ! It allows your Realtor to use all available </li></ul><ul><li>property and market information in order to help you make a wise and well informed </li></ul><ul><li>decision concerning the property you are about to invest in. Ask me to explain to you </li></ul><ul><li>the difference between a Buyer Representation Agreement and a Customer Service </li></ul><ul><li>Agreement. </li></ul>Once You Find The Right Realtor… Hire Her !
  7. 7. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR <ul><li>Buyer Representative Agreement </li></ul><ul><li>Represents you, the buyer </li></ul><ul><li>Has a fiduciary responsibility to work for your best interests </li></ul><ul><li>Customer Service </li></ul><ul><li>Does not represent the interests of either the buyer or the seller </li></ul><ul><li>Has no fiduciary duties to either party </li></ul><ul><li>Only obligation is to be honest and fair </li></ul>WHICH RELATIONSHIP WOULD YOU PREFER?
  8. 8. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR We are the ONLY Real Estate Company that offers a WRITTEN service guarantee. If you are not totally satisfied with my service, you can FIRE ME ! 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.
  9. 9. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Then, Let Your Realtor Help You Find The Right Home in the right neighborhood, at the right price. <ul><li>Listening </li></ul><ul><li>I am committed to being responsive to your needs. </li></ul><ul><li>Guaranteed service </li></ul><ul><li>With the Buyer Services Guarantee I let you know exactly what to expect – in writing. </li></ul><ul><li>Home-finding plan </li></ul><ul><li>I will follow a customized, detailed plan to find the right home for you. </li></ul>
  10. 10. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Let’s Begin By Knowing How Much Home You Can 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>Pre-approval </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>
  11. 11. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR 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. 4. Lender evaluates application and support documents, approves loan and issues letter of commitment . The Financing Process Financing your home is an involved process. I’ll help you through it. <ul><li>Once an Offer of Purchase and Sale is accepted and all conditions are removed, on completion date: </li></ul><ul><li>5. Closing is held, loan documents are signed and the loan is funded. </li></ul><ul><li>Lender disburses funds to the buyer’s lawyer and he/she disperses these funds. </li></ul><ul><li>The 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>
  12. 12. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR My Commitment To You <ul><li>Confirm your mortgage pre-approval </li></ul><ul><li>Find you the right property </li></ul><ul><li>Negotiate the best price and terms for you </li></ul><ul><li>Handle all details and keep you informed every step of the way! </li></ul>With your agreement naming me as your buyer’s agent, I will work diligently on your behalf to:
  13. 13. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR 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>
  14. 14. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Multiple Listing Service <ul><li>I offer 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 both online and on paper. </li></ul><ul><li>I will show you the properties that meet your criteria. </li></ul>
  15. 15. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR 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>
  16. 16. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR 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 can arrange private showings of homes displaying an “Open House” or “For Sale” yard signs. When visiting an open house on your own, give the salesperson my card and tell them that I am your agent.
  17. 17. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR 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 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>
  18. 18. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR 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.
  19. 19. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Once You’ve Found Your Dream Home A successful purchase involves several important elements: <ul><li>Offers and negotiations </li></ul><ul><li>The purchase agreement </li></ul><ul><li>Professional inspections </li></ul><ul><li>Removal of any conditions </li></ul><ul><li>Walk-through and final closing </li></ul><ul><li>Home warranty </li></ul>
  20. 20. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR <ul><li>Prepare an offer that will meet your needs and provide a solid basis for negotiating with the seller. </li></ul><ul><li>Apply information from the Competitive Market Analysis that will determine a realistic offer. </li></ul>Preparing The Offer As your buyer’s agent, I will work with you to...
  21. 21. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Negotiating The Purchase Agreement A well-prepared offer that is effectively presented stands the best chance of a favorable response. <ul><li>I will present your written offer to the sellers and negotiate on your behalf. </li></ul><ul><li>The sellers will have the choice of: </li></ul><ul><ul><li>Accepting your offer as presented </li></ul></ul><ul><ul><li>Rejecting it completely </li></ul></ul><ul><ul><li>Countering it </li></ul></ul><ul><li>I will communicate to you the seller’s response and, if necessary, suggest further negotiating options. </li></ul>
  22. 22. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Mortgage Pre-Approval Will Give You Negotiating Power 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.
  23. 23. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR An Accepted Offer Leads To A Legally Binding Purchase Contract <ul><li>The purchase contract </li></ul><ul><li>Removal of any Conditions </li></ul><ul><li>Attorney review </li></ul><ul><li>The closing process </li></ul>
  24. 24. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR An Appraisal Provides Independent Confirmation Of The Value Of The Home Typically required by CMHC and other lenders. An opinion of the property’s value by an independent fee appraiser: <ul><li>Compares the value of the home to others of similar size, features and location </li></ul><ul><li>Is usually required by lenders </li></ul><ul><li>Can give you additional confidence in the value of the property </li></ul>
  25. 25. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR The Home Inspection may also be required by lending institutions… <ul><li>2 hours approx. </li></ul><ul><li>$250-$300 approx. </li></ul><ul><li>Full printed report for Buyer </li></ul><ul><li>Inspection of plumbing </li></ul><ul><li>Inspection of electrical </li></ul><ul><li>Inspection of furnace/air </li></ul><ul><li>Check for dampness/water damage </li></ul><ul><li>Overall condition of the house </li></ul><ul><li>Peace of Mind ! </li></ul>
  26. 26. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR A Walk-Through Prior To Closing Lets you confirm the condition of the property. This is typically a condition in the Offer of Purchase and Sale. <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>
  27. 27. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR 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 and removal of all 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!
  28. 28. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR 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 the Coldwell Banker ® Home Protection Plan .
  29. 29. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR My Commitment To You With your agreement naming me as your buyer’s agent, I will work diligently on your behalf to: <ul><li>Confirm your mortgage pre-approval </li></ul><ul><li>Find you the right property </li></ul><ul><li>Negotiate the best price and terms for you </li></ul><ul><li>Handle all details and keep you informed every step of the way! </li></ul>
  30. 30. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR Coldwell Banker Crampsie Realty 519-819-9617 Direct 519-251-1611 Office www.kimberlykostescu.com [email_address] Integrity Buyer Service Guarantee Trustworthy Motivated Committed to Customer Service Professional
  31. 31. COLDWELL BANKER CRAMPSIE REALTY KIMBERLY KOSTESCU REALTOR

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