Valerie Noia, a REALTOR from Coldwell Banker D'Ann Harper, REALTORS, presented information to potential home buyers Mr. and Mrs. Buyer. The presentation covered brokerage services, the buyer's agent role in representing the buyers, gathering the buyers' needs and criteria for a home, conducting a competitive market analysis, negotiating a purchase agreement, financing options, and the home buying process. Noia committed to finding the buyers the right home that meets their needs and representing their best interests throughout the transaction.

1. Buyer Services Presentation
Coldwell Banker D’Ann Harper, REALTORS®
Prepared for:
Mr. Buyer
and
Mrs. Buyer
Presented by:
Valerie Noia

2. Information About Brokerage
Services
Has anyone ever explained
how REALTORS® work, and
the duties and
responsibilities a Broker has
to Buyers and Sellers?

3. Information About Brokerage
Services
Working with Brokerage
Services
Broker Buyer
Loyalty to Buyer
Broker Seller
Loyalty to Seller
Intermediary
Broker Listed Properties
Seller Buyer
Appointments Advice & Opinions
No Appointments No Advice &
Opinions

4. Representing your best
interests...
Fiduciary
Responsibility
to SELLER
Seller’s Agent
Represents
SELLER
Fiduciary
Responsibility
to BUYER
Buyer’s Agent
Represents
YOU! the
BUYER

5. The home you are looking for...
FEATURES (Specify your Preference)
Preferred style ______________ (Colonial, Ranch, Tudor, Historical, etc.)
Number of bedrooms________ Lot size _____________________
Number of bathrooms _______ Pool
Kitchen amenities _____________ View _______________________
Family room Other ______________________
Bonus/Game room
Fireplace
Home office LOCATION
Garage (no. of cars) _______ Convenient to work
Central air conditioning Convenient to transportation
Convenient to schools
TYPE Convenient to shopping
Single Family Residential Near recreation facilities
Condominium
Other __________________

6. What’s important to you?
Please share your thoughts with me!
Your 3 major Buyer needs:
1.
2.
3.
Your 3 major concerns about buying a home:
1.
2.
3.
Your 3 major criteria in selecting a Sales Associate.
1.
2.
3.

7. Finding You the Right Home. . .
Listening
To be more responsive to
your needs.
Counseling
I will consult with you to
find the right home for
you.
Negotiating
To prepare the best price
and terms for you.
that meets your criteria,
in the right location,
at the right price.

8. My Commitment to You
 Find you the right property.
 Handle the details and keep you informed.
 Represent your best interests.
With your agreement naming me as your Buyer’s Agent

9. Legacy and Network
Global presence:
49 countries/3100 offices
Over 100 years of real estate experience
Philosophy:
“The Customer’s Best Interest Above All’

10. REALTOR® Profile
VALERIE NOIA
Coldwell Banker D’Ann Harper,
REALTORS®
1112 South Main Street
Boerne, TX 78006
830-816-7245
210-383-1968
vnoia@cbharper.com
EXPERIENCE EDUCATION NOTABLE FACTS
35 Years Business
Administration
Business
Administration,
Computer
Programming,
Graphic Arts,
Real Estate
Researcher at Florida
Institute of Technology,
Admin. Secretary for NASA
Contractor, Computer
Programmer Trainee for
Dpt. Of Labor & Industries,
2nd Unit Production –
Motion Picture Industry,
Contractor for the Dpt. Of
Defense, CEO – Auto
Dealership, Real Estate
Associate

11. Coldwell Banker D’Ann Harper,
REALTORS® Company Statistics
25 Years in San Antonio - since 1986
7 local offices throughout San Antonio,
Boerne, Bandera and New Braunfels
350+Sales Associates and employees
Chairman’s Circle – Top 5% of all
Coldwell Banker Brokers
Full Service Real Estate Company with:
Full-time Sales Associates
Relocation Division
Property Management Division
Commercial sister company
According to the San Antonio Business
Journal, Coldwell Banker D’Ann Harper,
REALTORS® has been rated #1 or #2
residential real estate company for
eight years.

12. D’Ann Harper’s
Philosophy

13. REALTORS®& Real Estate Agents
Did you know there is a difference?
REALTORS® follow a Code Of Ethics!
What the REALTOR® Code of Ethics means for our clients:
You are working with someone you can trust
and will protect your rights.
You can be confident that you are being dealt with
honestly.
REALTORS® adhere to a strict
Code of Ethics, which is based on
professionalism and protection
of the public.

14. May I Ask You A Question?
“Based on all you have
heard so far would you
agree to hire me as your
REALTOR® today?”

15. Financing Your Home

16. Mortgage Pre-Approval
• Being pre-approved for a mortgage can greatly improve
your negotiating position and bargaining power.
• 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.

17. Mortgage Application
 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.

18. The Steps to Buying a Home
Loan Pre-
Approval
with
Mortgage
Co.
Contract
receipted by
Title Co with
Earnest
Money
Loan
Application
Process
Structural &
Termite
Inspection
REALTOR®
shows
properties
Title Co.
Searches
history of
property
Choose the
right home
Loan
Processing
for Buyer
Approval
Review
Comparable
sales for
offer
Appraisal to
confirm
property’s
value
Prepare
Contract
Offer
Final walk-
through
property w/
REALTOR®
Request CB
Home
Protection
Plan
Lender
sends
closing
instructions
to Title Co.
Present
Contract
Offer to
Seller
Closing and
Funding
Consultation
with
REALTOR®
Start
Negotiate
Contract to
full
acceptance
Your
new
home!
CONGRATULATIONS

19. The Search Begins

20. Billboard
TV**
Builders
Home/Book Magazine**
Open House**
News Ad**
Yard Sign**
Internet**
Real Estate Agent**
4%
4%
16%
19%
45%
30%
55%
88% 87%
Source: The 2011 National Association
of REALTORS® Profile of Home Buyers
and Sellers
• Real estate agents are
among the top two
information sources used
by Buyers in a home
search.
• We carry out our promises
with a plan uniquely
designed for each property
with our focus on touching
all the avenues that Buyers
and Sales Associates might
use to find your property.
Information Sources
Used by Buyers in Home Search

21. Multiple Listing Service
Provides me 24/7 availability of homes
on the market throughout San Antonio
and the surrounding areas.
• I can show any property listed through the Multiple
Listing Service (MLS).
• I will select the properties that meet your criteria.
• I will notify you when a property comes on the market
that meets your criteria.

22. Searching for Your New Home
If you happen to…
• See a “For Sale” or “Open House” sign by a
competitor
–I can arrange private showings of these homes!
• Speak with Other agents
–As a courtesy let the salesperson know I am your
REALTOR® and give him/her my card.
• Read Newspapers and real estate magazines
–I can show you properties you find in them too!
I am here to represent you and place
your best interests first!
VALERIE NOIA, REALTOR®
830-816-7245 - OFFICE
210-383-1968 - MOBILE
vnoia@cbharper.com

23. Factors That Can Influence
Seller Pricing
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 have been
on the market
Market conditions:
• Interest rates
• Availability of financing
• Qualified Buyer demand
• Prices of recent sales
• State of the economy
• Seasonal demand

24. Competitive Market Analysis
As your Buyer’s Agent I will help you make an informed
decision at a fair and competitive price to offer a Seller
based on “Market Data”.
The information from the Competitive Market Analysis will offer
data based on:
* Recently Sold Properties
* Properties currently on the market
* Properties the market rejected

25. Full Written Disclosure
protects your best interests
The Coldwell Banker®
organization pioneered
efforts that require sellers
to disclose, in writing, about
their knowledge of the
property.
I will thoroughly review the
Seller’s Disclosure
Statement with you, and
help you determine how it
might affect your offer.
Other negotiable items we will discuss when
preparing an offer:
- Title Insurance Policy
- Survey

26. Residential Service Contract
Benefit for Sellers
Helps homes sell faster
Helps with price
negotiations
Distinguishes your
home from others
Boosts Buyer
confidence
Coverage from listing
period to closing
Benefit for Buyers
Coverage for
unexpected
breakdowns in first
year of
homeownership
Access to a network
of service contractors
Confidence in your
home purchase
A Home Protection Plan provides peace of mind
to Sellers and Buyers
Enjoy Your Home!

27. Negotiating the Purchase
Agreement
Accepting
Rejecting
Countering your Offer
A well-prepared offer that is effectively presented stands the
best chance of a favorable response.
I will present your written offer to the Sellers and negotiate
on your behalf.
I will communicate to you the Seller’s response and, if
necessary, suggest further negotiating options.
An accepted offer leads to a legally binding contract.
The Sellers will have the choice of:

28. An appraisal provides independent confirmation of the
value of the home by comparing the value of the home
to others of similar size, features, and location.
You will have the opportunity to hire a Licensed Residential
Real Estate Inspector to give you a report as to the property
condition.
The Inspection & Appraisal

29. A Walk-Through prior to
Closing…
Gives you the opportunity to determine if the property is
in the condition you expect.
I will accompany you and should a concern
arise during the walk-through,
I will assist you in resolving it.

30. The Progress of the Transaction
As your Buyer’s Agent I will:
• Monitor the entire purchase process.
• Track the satisfactory completion of all contingencies
and conditions required under your purchase
agreement.
• Keep you informed of the progress and help you
prepare for a smooth closing.
When all documents are signed and funds exchanged,
the property is yours!

31. Coldwell Banker®
HomeBuyer Guidebook
Provides information,
worksheets and charts,
with sections on:
–Beginning the search
–Finding the right home
–Financing your home
–Understanding the
language of home
buying
… and much more
A step-by-step guide to finding and
financing the home you want.

32. I Am Ready To Go To Work For
You NOW!
Uphold the Coldwell Banker tradition
of service
Backed by the extensive
resources at Coldwell Banker
D’Ann Harper, REALTORS® and
the 100+ year heritage of
Coldwell Banker®, premier real
estate organizations.
Provide my personal commitment
I will devote my energy to
meeting your needs, and keep
you informed throughout the
transaction.
I am prepared to…
Your satisfaction is my top priority!

33. After the Closing
“Of all the people you know, friends or
family, who would likely be the next
person to buy or sell a home?”

34. Thank You