The document provides information for home buyers, including contact information for real estate agents David and Sharon Kipp. It outlines services the agents provide, such as showing homes, making offers, and negotiating on behalf of buyers. It also includes forms for buyers to provide their home preferences and financial information. Resources are listed for professionals involved in the buying process like mortgage lenders, home inspectors, and insurance agents. The document aims to educate buyers and guide them through selecting a home with the help of David and Sharon Kipp as their buying agents.
Looking to buy a property and not sure where to start? Don't worry I've created a Buyers Package that easily outlines the steps to your next home purchase. Take a look through and please contact me with any questions...and remember, when it comes to Real Estate, all you need is Lav!
Our Steps to Success Custom Pre-Listing Presentation is an introduction piece to the actual listing presentation. This allows you to provide an agent bio, testimonials and a brief summary of the listing and home selling process in advance of the listing presentation appointment.
Where you are a "first time" home buyer or have purchased many times, we can provide you the service that is designed for you in mind!! www.danhopper.com
Looking to buy a property and not sure where to start? Don't worry I've created a Buyers Package that easily outlines the steps to your next home purchase. Take a look through and please contact me with any questions...and remember, when it comes to Real Estate, all you need is Lav!
Our Steps to Success Custom Pre-Listing Presentation is an introduction piece to the actual listing presentation. This allows you to provide an agent bio, testimonials and a brief summary of the listing and home selling process in advance of the listing presentation appointment.
Where you are a "first time" home buyer or have purchased many times, we can provide you the service that is designed for you in mind!! www.danhopper.com
Our Steps to Success Buyer Presentation is about educating your buyer clients right from the beginning. As a Realtor®, you are a trained, knowledgeable, experienced professional. You know the market nationally, regionally and locally. With a strong buyer presentation such as ours, you will get the commitment of buyer prospects to work with you. We all know that working with buyers can be like herding cats. Our Buyer Presentation is a tool designed to help designate you as the real estate professional and establish control of your client.
Real Estate Buyer Agency Agreements PresentationMatthew Rathbun
In a highly competitive world, getting the Buyer’s attention is only the beginning of winning them over. There is an art to convincing the buyer that you’re the best REALTOR® for them! …and it’s important for you to know if they are the right client for you! This program is a 1 hour review of the steps necessary to interview the buyer, share your skills and resources with them and then get them to sign the Buyer Agency Agreement. We’ll explore the agency agreement as a tool in the process. Objection handling, agreement clauses and execution of the agreement will all be addressed in this session!
This presentation outlines the services that customers can expect when they work with me during the home purchase process. Subjects range from the tools that are available to aid in your home search such as coldwellbanker.com and local MLS to financing.
The REALTOR Code of Ethics New Member Orientation Program Evangeline Yia
All REALTORS® regardless of their specialty in the real estate business (appraisal, property management, etc.) are bound by the duties in the REALTORS®’ Code of Ethics.
Our Steps to Success Buyer Presentation is about educating your buyer clients right from the beginning. As a Realtor®, you are a trained, knowledgeable, experienced professional. You know the market nationally, regionally and locally. With a strong buyer presentation such as ours, you will get the commitment of buyer prospects to work with you. We all know that working with buyers can be like herding cats. Our Buyer Presentation is a tool designed to help designate you as the real estate professional and establish control of your client.
Real Estate Buyer Agency Agreements PresentationMatthew Rathbun
In a highly competitive world, getting the Buyer’s attention is only the beginning of winning them over. There is an art to convincing the buyer that you’re the best REALTOR® for them! …and it’s important for you to know if they are the right client for you! This program is a 1 hour review of the steps necessary to interview the buyer, share your skills and resources with them and then get them to sign the Buyer Agency Agreement. We’ll explore the agency agreement as a tool in the process. Objection handling, agreement clauses and execution of the agreement will all be addressed in this session!
This presentation outlines the services that customers can expect when they work with me during the home purchase process. Subjects range from the tools that are available to aid in your home search such as coldwellbanker.com and local MLS to financing.
The REALTOR Code of Ethics New Member Orientation Program Evangeline Yia
All REALTORS® regardless of their specialty in the real estate business (appraisal, property management, etc.) are bound by the duties in the REALTORS®’ Code of Ethics.
The customer tried to subscribe to a free trial and looked their own experiences with the streaming website. One of the customers is reported to be truly satisfied with around the website, seeming quite delighted with the quick and responsive customer service.
A short tutorial on how to go about purchasing a home. The process includes choosing the right buyer's agent to represent you to closing costs, inspections and closing.
2. MEET THE TEAM
DAVID KIPP
615.400.0661
david@TeamKipp.com
ANOTHER PERSONAL SERVICE BY
SHARON KIPP
615.364.2337
sharon@TeamKipp.com
!
www.TeamKipp.com
Brokers, ABR, CRS, GRI, e-Pro, GREEN, SFR
3. HOME SEARCH INFORMATIONPLEASE COMPLETE THIS FORM AND RETURN TO US
What things are most important to you in a home?
Are schools important? Yes [ ] No [ ] If yes, which ones and why:
Where do you want to live?
What style home do you prefer?
When do you want to move in?
How many bedrooms?
How many baths?
How many living areas?
What size garage?
Where do you work?
When is the best time to look at homes?
If we found the right home for you today, would there be anything that could keep you from
buying it?
Does anyone else have to approve of your purchase?
Summary:
4. BUYER ORIENTATION
BUYER’S SERVICE
Before you attempt to buy Real Estate, you should engage a qualified professional
Realtor to protect your interests. As Accredited Buyer Representative, David and Sharon
have demonstrated that they have the knowledge and experience to protect your best
interests. We also believe these attributes are important:
• Strong Negotiating and Communication Skills
• Respect of Fellow REALTORS
• Advanced REALTOR Designations
• Proven Track Record
• Integrity
• Good Old-fashioned Work Ethic
• Good Listening Skills
• Ability to Provide References
We would be happy to answer any questions you might have about our abilities.
5. BUYER ORIENTATION
TENNESSEE STATE DISCLOSURE
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Tennessee license law requires that every real estate licensee disclose the party whom he/she
is representing in a prospective real estate transaction. A Buyer’s Agent represents the
prospective Buyer, owes primary loyalty to the Buyer, and works as an advocate for the best
interests of the Buyer. Legally, an agency relationship of this type can not be established
without a written Buyer Agency Agreement.
!
The agency agreement authorizes the Buyer Agent to negotiate for a fee paid by the Seller
and/or Seller’s agent. Therefore, a Buyer can be represented by a Buyer’s Agent, who will look
out for the Buyer’s best interest at no charge to the Buyer.
6. BUYER ORIENTATION
BUYER’S SERVICES
Following is an example of services offered to Buyers with whom we have a signed Buyer’s Agency Agreement:
!
• Discuss the Laws of Agency.
• Consult with you about your housing needs and criteria.
• Respond honestly and accurately to all your questions.
• Send you a relocation package if requested.
• Guide you through the pre-qualification or pre-approval process.
• Research the available properties that meet your needs.
• Add you to our Buyer Instant Notification Program - We will email or fax you the newest listings that match
your criteria.
• Provide you with information on listings so that you may drive by before scheduling an appointment, if you
wish.
• Show you all the available homes that meet your criteria - listed by any broker, for sale by owner, builder/
new construction, or even properties not currently listed.
• Discuss with you the strengths and weaknesses of a property that may affect its value and future resale.
• Review any property disclosure and inspection reports and disclose to you all physical defects of the property
that are known to us.
!
7. BUYER ORIENTATION
BUYER’S SERVICES
• Explain the benefits of a Home Warranty.
• Recommend and attend appropriate inspections for the property.
• Advise you on pricing and terms to offer for a property based on a CMA.
• Discuss and prepare an offer for the property you choose to purchase.
• Present the offer to the seller and/or seller’s agent promptly.
• Negotiate price and terms of any offer and/or counter offers on your behalf
• Provide you with information on Inspectors, Mortgage Brokers, Home Warranty Companies, Contractors and
Insurance Brokers.
• Accompany you on a final walk-through of the property before closing, and assist in dealing with any
problems remaining or discovered during the walk-through.
• Monitor and inform you of the progress of the contract to purchase, including satisfaction of all contingencies
and conditions during the entire transaction.
• Assist in selecting a closing attorney and keep you informed of the closing process.
• Coordinate utility transfers with seller and/or seller’s agent.
• Review closing statement to insure accuracy according to the contract.
• Attend the closing and help explain the details.
• Maintain strict confidentiality in every aspect of the transaction.
• Keep in touch long after the closing.
8. BUYER ORIENTATION
PEOPLE BUY HOMES TO:
TAX ADVANTAGES INVESTMENT POTENTIAL
Property taxes and qualified
home interest are deductible on
Schedule A, for itemized
deductions.
The largest investment for most people is
their home. In the long run, investments
in homes far outpace inflation.
Homeowners build equity and, in most
states, can borrow against it.
9. BUYER ORIENTATION
TAX BENEFITS
A homeowner can exclude up to $500,000 of capital gain if married, filing jointly or up to
$250,000 if single or filing separately. The home must have been the taxpayer’s principal
residence for the previous two years.
!
There is no longer an age requirement for taking the
capital gains exclusion.
!
Beginning with May 07, 1997, there is no requirement to purchase another home more expensive
than the one sold. Homeowners are free to buy up or down with no tax consequences assuming
their gain is less than the allowable amounts.
10. BUYER ORIENTATION
7 REASONS TO BUY A HOME
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Tax Deductibility of Mortgage Interest
!
Tax Deductibility of Property Taxes
!
Appreciation Potential
!
Capital Gain Treatment
!
Capital Gains Exclusion
!
Principal Accumulation
!
You can enjoy it - Pride
11. BUYER ORIENTATION
HOME BUYING PROCESS
PART ONE
1. Initial Interview
2. Show Property
3. Offer Received
4. Negotiate Offer
5. Contract
6. Contract Accepted
7. Earnest Money
PART TWO
1. Mortgage Company
2. Credit Report
3. Under-writing
4. Loan Approval
5. Title Company
6. Title Search
7. Assemble Papers
8. Settlement
9. Possession
12. BUYER ORIENTATION
WHO PAYS COMMISSION?
The Seller Does
• The Seller has generally signed a listing agreement with his agent specifying a certain fee to be paid,
and many times it has provisions for splitting that fee with the agent who sells the property, regardless
of subagency or buyer agency.
!
The Buyer Does
• The Buyer can pay his agent a commission as set out in their written agreement. If this is the case, it
would be inappropriate for the buyer’s agent to accept any portion of the fee paid by the seller.
!
Each Party Pays Their Agent
• Each party pays their agent as specified in their written agreement.
13. BUYER ORIENTATION
MLS MEMBER
!
As a member of the Multiple Listing Service, we can show you any property.
!
!
If you should see an ad in the paper or a sign in a yard, call us to find out the
information. If you want to see it, we’ll show it to you.
14. BUYER ORIENTATION
FOR SALE BY OWNER
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A homeowner trying to sell his home himself is usually doing so
in hopes of saving the commission. Coincidentally, this is the
reason a buyer wants to deal directly with a homeowner.
!
Many times a homeowner will work with an agent, even though his
home is not listed, if the agent introduces the buyer to the property.
!
If you should see a FSBO and want the advantages of my services,
please let me contact the owner and set the appointment.
15. BUYER ORIENTATION
NEW CONSTRUCTION
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!
We can work with most builders and can get all the
information you need to make any decisions, but we will
need to accompany you to the property on the initial visit.
!
By letting us help you with builders, you get all the
services offered in this presentation and those offered by
the builder as well.
!
You’ll get more, but you won’t pay more for it.
!
16. BUYER ORIENTATION
PRE-APPROVAL PROGRAM
Many buyers are applying for a loan and obtaining approval before they find the home they want to
buy.
!
!
Here are the benefits:
!
You look at the “right” homes.
!
You save money dealing with a comfortable seller.
!
You close more quickly.
!
You minimize trauma of not knowing whether or not you qualify.
17. !
What Can You Afford?!
In addition to having the cash for the down payment, closing costs and good credit history, the mortgage lender will want
your house payment and other debts to conform to accepted qualifying ratios. While 28%/36% are the most common,
some loan ratios differ.!
! Column A! ! Column B!
Annual income before taxes (gross):! ! $! ! ! ! !
Divide by number of months:! ! ! ! ! ; 12!
Monthly gross income:! ! ! ! ! ! ! = ! ! = ! ! ! !
Many lenders will not allow you to spend!
more than 28% of your monthly gross income!
on housing expense: (column B)! ! ! ! ! ! ! ! ! x .28!
Maximum monthly housing expense allowance (column B)! ! ! ! ! =! !
! !
Many lenders allow 36% of monthly gross income for!
long-term debt:! ! ! ! ! ! ! ! x .36!
Long-term monthly expense allowance:! ! ! ! ! =! ! !
Figure out your monthly long-term!
obligations below, and subtract it from the allowance:!
! child support! $! !
! auto loan! +! !
! credit cards ! +! !
! association fees ! +! !
! other! +! !
! total long-term obligations: ! =! !
Monthly housing expense allowance:! ! ! ! ! =! ! !
! !!Record the smaller figure in Column A or B:! ! ! ! ! $! ! !
Estimating about 20% for taxes and insurance, leaving!
80% for payment of mortgage (principal & interest):! ! ! ! x .80!
Allowable monthly principal & interest expense:! ! ! ! +! ! !
Divide by MONTHLY PAYMENT PER THOUSAND DOLLARS from table! ! :! ! !
!! ! ! ! ! ! ! ! ! ! =! ! !
Multiply by 1000:! ! ! ! ! ! ! ! x 1000!
Estimated Affordable Mortgage Amount! ! ! ! ! $! ! !
!Rate15 yr.30 yr.Rate15 yr.30 yr.Rate15 yr30 yrRate15 yr30 yr.
6.0%8.446.007.75%9.417.169.5%10.448.4111.25%11.539.726.25%8.586.168.00%9.567.349.75%10.608.6011.5%11.699.916.5%8.726.338.25%9.707.5
110.0%10.758.7811.75%11.8510.106.75%8.856.498.5%9.857.6910.25%10.918.9712.0%12.0110.297.0%8.996.658.75%9.997.8710.5%11.069.1512.25
%12.1710.48!
18. BUYER ORIENTATION
ITEMS NEEDED FOR CREDIT APPLICATION
Employment
Addresses for two full years
Gross monthly income
W-2s, if available
Proof of pensions, retirement, disability or Social Security
Proof of income from rentals, investments, etc.
Proof of child support or alimony paid/received
Year to date pay stub
!
If self-employed:
Two years 1040 Tax Returns
Current year profit and loss statement
!
Creditors
Each creditor’s name, address and type of account
Account numbers
Monthly payments and approximate balances
Amount of child care expenses
Banking
Names and addresses of saving institutions
Account numbers for all accounts
Type of accounts and present balances
!
Miscellaneous
List of assets in stocks, bonds, land
Life insurance cash value (documented if used as cash
down payment)
If applicant is selling a home, a copy of sales contracts
Social Security numbers for all parties
Veterans - Certificate of Eligibility & DD-214
Cash or check to pay for application fee
!
REALTORS® Copy of sales agreement
19. BUYER ORIENTATION
PROFESSIONALS YOU’LL NEED
!
Professionals in the categories listed will be needed in the buying process. The following names have been offered because they have
been found to be reputable and very competent. Of course, feel free to consult friends or the Yellow Pages for additional suggestions.
Mortgage Lenders
George Margrave
Mortgage Investors Group
Office: 615.777.4663
Toll Free: 888.836.1935
E: georgem@migonline.com
Mary Smith
Pinnacle Bank
Office: 615.690.4065
Mobile: 615.743.4065
E: mary.smith@pnfp.com
Jamie Herron
First Tennessee Bank
Office: 615.871.1114
Mobile/Text: 615.479.5464
E: jdherron@firsttennessee.com
Todd Wiggins
First Community Mortgage, Inc.
Office: 615.620.4705
Mobile: 615.938.7499
E: todd.wiggins@fcmhomeloans.com
Shank Kothare‘
State Farm Bank
Office: 615.885.8980
Mobile: 615.885.8980
E: shank@shankinsurance.com
Tonya Esquibel
Summit Funding, Inc.
Office: 615.300.0794
Mobile: 615.308.9859
E: tesquibel@summitfunding.net
20. BUYER ORIENTATION
PROFESSIONALS YOU’LL NEED
!
Professionals in the categories listed will be needed in the buying process. The following names have been offered
because they have been found to be reputable and very competent. Of course, feel free to consult friends or the
Yellow Pages for additional suggestions.
Insurance Companies
Elaine Payne
Allstate
Office: 615.338.0018
Fax: 615.822.9419
E: A069790@Allstate.com
Chase Salas
Liberty Mutual Insurance
Office: 615.896.5339
Fax: 615.896.7013
E: Chase.Salas@libertymutual.com
Steve Williams
Elite Insurance Services
Office: 615.850.4222
Fax: 615.661.4115
Shank Kothare`
State Farm Insurance
Office: 615.885.8980
Mobile: 615.885.8980
E: shank@shankinsurance.com
21. BUYER ORIENTATION
PROPERTY INSPECTION
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You can include a provision in the sales contract that gives you the
right to inspect the mechanical, electrical, plumbing and structural
portions of the property.
!
There are inspection companies that provide services of this type.
You can accompany the inspector to ask questions and receive a
written report itemizing any areas of concern.
!
If repairs are needed, you can request the seller to make them in
accordance with the provisions of the sales contract.
22. BUYER ORIENTATION
HOME INSPECTORS
This list of Home Inspectors is provided as a courtesy. We do not personally recommend any
particular Home Inspector. Our previous clients compiled this list of recommendations. Also feel
free to ask for recommendations from your friends and/or co-workers or consult the Yellow Pages.
Steve Dukic
Old Hickory Homes Inspec.
615-804-4663
Steve Traylor
A+ Home Inspections
615-791-7433
Jeremy Martin
All-Pro Home Inspections
615-337-1277
Houston Pewett
Nashville Property Consultants
615-310-1886
Dave Crumpton
Inspector Dave
615-887-4187
23. BUYER ORIENTATION
HOME PROTECTION PLAN
As an additional benefit, some sellers provide a Home Protection Plan for the buyer. This
coverage is good for one year on selected items:
!
!
!
!
!
!
!
!
If the home you choose does not have a Home Protection Plan, you can acquire the
coverage yourself.
• Central Heating System
• Electric Central Air System
• Interior Plumbing
• Built-in Appliances
• Electric Pool Equipment
24. David & Sharon Kipp!
RE/MAX Elite . 278 Franklin Rd, Suite 190, Brentwood, TN 37027!
615-661-4400 office ~ 615-661-4115 fax ~ www.TeamKipp.com!
David@TeamKipp.com or 615.400.0661 ~ Sharon@TeamKipp.com or 615.549.7967!
!PERSONAL DATA!
Married 1983; two children, Jon and Megan, three grandchildren!
PROFESSIONAL DESIGNATIONS!
DAVID:! BA! -! Boston University, graduated Magna Cum Laude!
! JD! -! Vanderbilt University!
DAVID & SHARON: ABR -! Accredited Buyer Representative®!
SHARON:! GRI! -! Graduate of REALTORS Institute®!
! CRS! -! Certified Residential Specialist®!
! e-PRO! ! Certified Real Estate Technology Specialist®!
PROFESSIONAL QUALIFICATIONS!
Tennessee Real Estate Brokers License!
Active members of the National Association of REALTORS®!
Active members of the Tennessee Association of REALTORS®!
Active members of the Greater Nashville Association of REALTORS®- Million Dollar Sales Associates!
DAVID’S BUSINESS EXPERIENCE!
!1995! -! Present! Broker - RE/MAX Elite!
!1993! -! 1995! Managing Broker - Dobson & Johnson, Inc.!
!1985! -! 1993! Broker - Dobson & Johnson, Inc.!
!1981! -! 1985! Private Law Practice - Flynn & Associates!
!1980! -! 1981! Private Law Practice - Hooker, Ganier & Neenan!
!1977! ! ! Affiliate Broker - Dobson & Johnson, Inc.!
SHARON’S BUSINESS EXPERIENCE!
!1995! -! Present! Broker - RE/MAX Elite!
!1985! -! 1995! Broker - Dobson & Johnson, Inc.!
!1982! -! 1985! Office Manager - Hooker Investments, Ltd.!
1981! -! 1982! Executive Secretary - U.P.J.U.!
1980! -! 1981! Vice President - HLG Corporation!
1975! -! 1980! Assistant to Exec. V.P. - Hollywood Marine, Inc.!
OTHER! ! AFFILIATIONS!
DAVID:! Metro Property Standards Board: Commissioner / Leukemia Society: Past Celebrity Waiter Fundraising Co-
Chairperson / Boy Scouts of America: Fundraiser / Donelson - Hermitage Chamber of Commerce!
SHARON:! Greater Nashville Association of Realtors: Director / Greater Nashville Association of Realtors: Past Professional
Standards Committee Chairperson /1997 Business Woman of the Year: Donelson-Hermitage Chamber of
Commerce /Leukemia Society: Celebrity Waiter Co-Chair & Past Director /American Heart Association: Past
President & Director /Donelson -Hermitage Chamber of Commerce: Director / American Cancer Society: Past
Director / Leadership Donelson-Hermitage : Alumni / Leadership GNAR (Greater Nashville Association of Realtors):
Alumni / Evening Exchange Club of Donelson-Hermitage Area: Past President / 2012 Star Spangled Salute
Honoree / 2014 Community Service Award ~ RE/MAX Elite / 2014 Community Service Award ~ Greater Nashville
Association of Realtors
25. BUYER ORIENTATION
TESTIMONIALS
‘Our contract negotiation was extremely complex. Multiple offers, deadlines, inspections, contingencies, back up offers
and appraisal problems. Having an agent who is also a lawyer made all the difference. Our original transaction closed
exactly as planned and on schedule, and we were protected legally every step of the way.”
Baker Walker, Old Hickory
!
“By the expert guidance of David and Sharon Kipp we sold our home after it had been listed for only 3 days. They are
a professional and attractive couple and we are sure these qualities made a favorable impression upon anyone to
whom they showed our home. We followed their advise to the letter, and we received four offers and netted a sale
price higher than we expected. If we ever move back to Nashville, rest assured we will look up David and Sharon to
find us a new home.
Gary Luttrell, Nashville
!
26. BUYER ORIENTATION
TESTIMONIALS
“My transaction got hopelessly mixed up and complex. I had another Realtor. Sharon Kipp represented the Seller and I
was the Buyer. Sharon took over for my Realtor and solved the problem. If she hadn’t taken over, I couldn’t have
gotten my house.”
Michael Ensign, Hermitage
!
“I told them over the phone exactly what I wanted and how much I could spend. When my wife and I came to town it
was obvious they had listened. After seeing the second house of 12 scheduled, my wife said to cancel all the other
showings. This is exactly what we want. It was unbelievably easy!”
Pilot Bob Masek, Murfreesboro
!
We appreciate your genuine care, concern and thoughtfulness. You went out of your way to be helpful and thorough -
your dedication shines!
Penny Sanford, Brentwood!
