Lovejoy buyer's real estate guide - may 2018

TurnerRealtors.com • PortlandRealEstateBlog.com • liveNWpdx.com
Jenny Turner
503.312.4642
Jenny@LovejoyRealEstate.com
Lovejoy Real Estate
818 NW 14th Ave
Portland OR 97209
503.501.2490
Lovejoy Real Estate
Buyer’sRealEstateGuide
Find out how our
team of real estate
professionals can
make buying a home
a great experience!

2
Buyer’s Extraordinary
Service Guarantee
Extraordinary Service Guarantee for the Home Buyer
The Extraordinary Service Guarantee is your written commitment from Jenny, Charles,
and Lovejoy Real Estate® assuring the delivery of all of the services described below.
As your Real Estate Professionals, we will:
1. Present an agency law pamphlet and explain
agency relationship.
2. Gather information to identify your needs and
goals and to plan a property search.
3. Offer to arrange pre-qualifying or pre-approval
meeting with one of our preferred lenders to
determine affordability range and improve
negotiating position at the point of offer.
4. Explain home warranty services and providers
such as American Home Shield Buyer Protection
Plan,LandmarkHomeWarranty,andOldRepublic
Home Protection.
5. Commit to priority availability for meeting your
needs and schedule for property research and
showings. Complete a thorough market search to
identify all properties consistent with your needs
and price range.
6. Prepare a written Competitive or Comparative
Market Analysis for you prior to your making an
offer, per your request, if possible.
7. Prepare a written offer to purchase the property
of your choice reflecting your price and terms.
8. Provide advice and negotiating assistance on all
offers to purchase. Monitor and communicate the
status and satisfaction of contract contingencies.
9. Obtain and review with you the seller’s written
property history and disclosure statement.
10. Recommend professional inspections and review
findings and remedies with you.
11. Accompany you on a property walk through
before closing, if provided for in the contract.
12. Contact you after the closing to assure the
satisfactory completion of all service details.

3
Introduction for the Home Buyer
Thank you for the opportunity to let us represent you in the purchase of your new
home. We think of our clients as individuals with specific needs. With this in mind, we strive to give you exceptional
service. No two real estate transactions are the same but regardless of your goals we can help you make the informed
and educated decisions that best suit your situation.
We, Jenny and Charles, teamed up as Realtors in 2003. Every year since then we’ve continued to grow and improve
the service and expertise we are able to offer you. In 2010 we incorporated, in part to underscore that real estate is
a business, not a part time hobby. Our current business is made up of more than fifty percent past clients and client
referrals. Earning your repeat business and referrals is our main goal. Our unique team structure allows us to serve the
entire Portland Metro including SWWashington. We have the tools and expertise to guide you through any residential
real estate transaction.
This guide provides an overview of our
. team and of the buying process:
• Buyer’s Quality Service Guarantee......................................................2
• Introduction................................................................................................3
• The Lovejoy Real Estate Team...............................................................4
• The Lovejoy Real Estate Team in the Community..........................6
• Finding and Buying a Home..................................................................7
• What to Expect...........................................................................................8
• Technology Streamlines Your Transaction.......................................9
• Home Warranty........................................................................................10
• Dual Agency and Buyer Due Diligence...........................................11
• Mortgage Brokers Recommended by Past Clients.....................12
• Preparing for the Lender......................................................................13
• Loan Processes Do’s and Don’ts.........................................................14
• Moving Checklist.....................................................................................15
• Services You May Need.........................................................................16
• Looking for a Home Inspector............................................................17
• Buying a Short Sale.................................................................................18
• Buying a Bank-Owned Property........................................................19
• Reviews.......................................................................................................22
• Oregon Real Estate Agency Disclosure Pamphlet.......................24
Jenny Turner
Managing Principal Broker, MBA, OR & WA
503.312.4642 • Jenny@LovejoyRealEstate.com
Jenny holds an MBA from Portland State University as well
as an undergraduate degree from Lewis & Clark College.
Her certifications include Graduate Realtor Institute (GRI)
And certified negotiation expert (CNE). In addition to a
wealth of knowledge and experience in real estate and
being a licensed broker in both Oregon and Washington,
Jenny has a passion for the communities she serves. She
is past President, and current member, of the Board of
Directors for the Fruit and Flower Child Development
Center - an agency for helping children. She and her
husband, Charles, reside in Northwest Portland with
their son, Ryan. Her passions for family, community, and
helping people achieve their dreams are evident in the
diligence she brings to every transaction, relationship,
and engagement in her life.
Charles Turner
Principal Broker, MBA, e-PRO, GRI
503.936.7764 • Charles@LovejoyRealEstate.com
Charles brings a wealth of knowledge to this team as
demonstrated by the over 1000 posts he has written for
our industry-respected blog, PortlandRealEstateBlog.
com. He holds an MBA from the Atkinson Graduate
School of Management at Willamette University and
an undergraduate degree from Lewis & Clark College.
His certifications include completion of NAR’s e-PRO
and Graduate Realtor Institute (GRI) designations. Like
his wife and business partner, Jenny, Charles has a
great love for his community. He serves as a member
of the Ambassador Board for the Oregon Chapter of
the Make-A-Wish Foundation. In addition to a love of
family, community, and real estate, Charles also enjoys
sailing, skiing, and cycling.

4
The Lovejoy Real Estate Team
The Lovejoy Real Estate’s Realtors®
Jessica Berger, Oregon Director of Sales • 503.703.1712 • Jessica@LovejoyRealEstate.com
Jessica joined our team as a graduate of the University of Oregon and has a passion for assisting buyers and
sellers, which is evident in any interaction with her. She lives in the Hawthorne neighborhood with her husband
and loves family as well as supporting children in the community. Some of her favorite activities include wine
tasting, fashion, and studying architecture.
Lisa Carter, Oregon and Washington Broker • 503.757.7283 • Lisa@LovejoyRealEstate.com
Lisa is one of our dual state brokers – licensed in both Oregon and Washington. She joined the team as a graduate
of Oregon State University and our Washington Director of Sales. Clients truly appreciate her patient, friendly,
compassionate, and understanding manner. In addition to spending time with her husband and three children,
Lisa also is passionate about serving her community in Brush Prairie.
Susan Horvat, Oregon Broker • 503.949.3899 • Susan@LovejoyRealEstate.com
Susan has been licensed working with buyers & sellers for over 6 years. She is an Accredited Buyer Representative
(ABR). After living in the Salem area for many years, Susan now lives with her husband in the Tualatin area and
loves to spend her spare time with her grandchildren.
Ray Gardner, Oregon Broker • 971.226.7729 • Ray@LovejoyRealEstate.com
Born in Chicago and raised in Oregon wine country, he has become rooted in the Portland community and
lifestyle. While he enjoys the outdoors and coaching baseball here in Portland at Westview High School, his real
passion is helping people and building relationships. He is very outgoing and will treat every one of his clients as
if they are family. He wants to please people and earn their trust, so you can be assured that he will work tirelessly
to not get you just any deal but the very best deal.
Nancy Franco, Oregon Broker • 503.334.9760 • Nancy@LovejoyRealEstate.com
Nancy has lived and grown up in Portland for the past 26 years. Raised in NE, she has seen the growth of what
Portlandhasbecomeandcontinuestobecome.Fromallthecornersofourbeautifulcity,ourartisticneighborhoods
we know as NE Alberta, to SE Hawthorne, to the high rises of the Pearl District, South Waterfront, charming NW,
and back to our up and coming N Williams, N Vancouver, to historical St. Johns. Nancy comes with a lot of real
estate knowledge in owning, renting, renovating, condo conversion, and creating LLC ’s and Corporation’s.
Nancy is also involved in giving back to the community, through volunteer work. Nancy is bilingual-Spanish
speaking, loves to travel, read, be outdoors, learn new languages and cook. Nancy resides in St Johns with her
family and their blue nosed pit Romeo.

5
The Lovejoy Real Estate’s Realtors®
Melissa Messner, Oregon Broker • 971.404.8078 • Melissa@LovejoyRealEstate.com
Melissa has brought her talents for fulfilling client’s needs and wants as a longtime, cherished public librarian, to
the vibrant Portland real estate market. She has unshamedly fallen in love with Oregon, since moving to Lake
Oswego from Redondo Beach, CA with her family 3 years ago. She is delighted to help buyers discover and
own the home of their dreams, especially in her beloved new home town. She is passionate about serving her
community as a member of the Lake Oswego Arts Council, Village on the Lake HOA Social Chair and the lead for
Friends of Lily Bay.
Kris Whitby, Oregon Broker • 503.726.6277 • Kris@LovejoyRealEstate.com
Kris comes to theTurnerTeam with three years of experience in the hot Portland real estate market. She is a native
Portlander and loves where she works and lives. In addition to her Oregon Real Estate license, she has an Interior
Design degree, which makes her an asset when staging a home for sale or when going through a home inspection
with a buyer. Prior to being a Broker, Kris was a middle school science teacher for 12 years.
Shayda Rohani, Oregon Broker • 503.481.4601 • Shayda@LovejoyRealEstate.com
Shayda is passionate about people and design, so it makes sense that the marriage of these two loves led her to
Real Estate. With degrees in interior design and marketing, and over 5 years in sales, interiors, and photo styling
- she is the consummate perfectionist, when it comes to providing you the very best care and customer service.
When her sleeves aren’t rolled up at work, Shayda loves spending time with her family outdoors, drawing with her
5-year-old daughter, reading design blogs, playing soccer, and cooking up a storm for family and friends.
Krista Larke, Oregon Broker • 503.480.6992 • Krista@LovejoyRealEstate.com
As a 4th-generation Oregonian, Krista holds a deep knowledge of local culture and history and has lived in several
communities throughout the Portland area. In conjunction, with a diverse professional background having
earned advanced degrees in English and Education, Krista holds over fifteen years of experience in the residential
building industry in both finance and project management, including interior design and marketing. She has a
keen eye for a home’s potentiality along with a pragmatic mindset to best serve clients. Krista lives in NW Portland
with her daughter. In her free time, she enjoys trail running, hiking, skiing, windsurfing, reading, cooking, and
teaching Great Dane pup Sasha how to be a good dog!
.
Doug Boe, Oregon Broker • 503.816.4222 • Doug@LovejoyRealEstate.com
I joined the Lovejoy Real Estate Team after a long career in the High Tech industry. Growing up in the west hills of
Portland and currently residing in Lake Oswego, I enjoy meeting new people and building lifelong relationships.
I have a passion for soccer, cooking, travel, wine tasting, triathlons and hiking in the Columbia River gorge with my
wife and two daughters. I’ve lived in a number of other states including California, Texas, Virginia, Pennsylvania,
Minnesota and Idaho and my travels have taken me too many different countries allowing me to experience their
diverse cultures. I am a Veteran of the US Navy.
.

6
Press & Award
Highlights
• Opened new offices in Pearl &
Battleground
2017
• #4 Group Keller Williams Realty
2016
• #3 Group Keller Williams Realty
2015
• Portland Business Journal’s Top
100 Fastest Growing Private
Companies
2013
• Portland Monthly 5 Star Agent
• Keller Williams Double Platinum
Award
2012
• Atlantic & Pacific Real Estate: Top
Agents Nationwide
• Portland Monthly 5 Star Agent
2011
• Portland Business Journal’s Forty
Under 40 awarded to Charles
2010
• Prudential Chairman’s Circle
Platinum
• 2nd Quarter Top Three Sales
Professionals in Oregon for units
& GCI
• Oregonian Alphabet District
Neighborhood Profile Article
• Portland Tribune Article
• Portland Mercury Article
2009
• Prudential Chairman’s Circle Gold
• KOIN News TV Interview
2008
• Prudential Chairman’s Circle Gold
RISMedia Realtors on the Rise
• NuWire Investor Article
2007
Our unique team
structure allows
us to serve the entire
Portland Metro including
SW Washington. We have the
tools and expertise to guide
you through any residential
real estate transaction.
The Lovejoy Real Estate Team’s Administrative Staff
Nicole Rodriguez, Team Manager
503.939.8365 • Nicole@LovejoyRealEstate.com
Nicole, joined the Lovejoy Real Estate Team as an Inside Sales Agent and recently
became Team Manager. With an extensive background in office management, as
well as client relations and database management, she provides the backbone of
procedural efficiency and the frontline of practical professionalism upon which
operations revolve for our team. She is a native Oregonian. In her spare time, she
loves spending time with her family, cooking, and traveling.
Carla Chan, Transaction Coordinator
503.501.2371 • Carla@LovejoyRealEstate.com
Carla has been a member of the Lovejoy Real Estate Team sinace 2011 and she takes
careofmostoftheadministrativetaskswiththeteam’slistingsandsalestransactions.
A self proclaimed stickler for order and organization, she and the admin team she
manages love helping the rest of the team by making sure everything is in order.
When not at work, you can find Carla at the dance studio or MMA gym exercising.

7
Finding and Buying a Home
Initial Consultation
• Determine your priorities and needs
• How long are you planning on living in your next home?
• Consider the benefits / drawbacks to owning a home
• Review“agency”choices & select appropriate working relationship
• Discuss financing options
Preparing an Offer
• Review comparable sales to determine offer price
• Review progress of loan pre-approval; decide on financing
• Decide on other terms (inspections, possession date, personal
property, etc.)
Completing the Settlement Process
• Deposit of earnest money
• Review seller’s property disclosures
• Review preliminary title report
• Roof, termite and other inspections
• Remove any remaining contingencies
• Arrange for homeowners insurance
• Arrange for home warranty
• Arrange for movers
• Final walk-through of property with Realtor®
• Provide balance of down payment and closing costs
• Sign documents
• Loan funding
• Recording of title
• Receive keys from Realtor®
• Move in!
• Property appraisal
• Loan processing
• Final loan approval
Finding the Right Home
• Realtor® to show you properties based on your criteria
• What kind of home do you want? (Detached, Attached, etc.)
• How many bedrooms and bathrooms?
• Are school districts important?
• Evaluate each property with sales associate
• Choose the right home
Obtaining Financing
• Select a mortgage company
• Consult with a loan officer
• What are the different loan
programs available (FHA, VA,
Conv, etc.)
• Make sure your credit is in
good shape
• Pre-qualification
• Complete loan application
• Obtain pre-approval
• How much can you afford?

9
What to Expect
When Writing an Offer
Here are some things to consider to ensure your offer gets
accepted:
What type of sale is it?
• Traditional sale, short sale, foreclosure?
Is it priced right for the market?
• What is the buyer activity?
• Are there offers on the home?
• What other homes are for sale in the neighborhood?
• What has sold recently in the area?
• How long has it been on the market?
What is the seller’s motivation?
• Are they price driven or are there other terms that are more
important to them?
• How long of an escrow are they looking for?
Do you need concessions for closing costs?
• Closing costs such as title, escrow, and lender fees usually cost
around two percent of the sales price.
Are there multiple offers on the property?
• This is not uncommon for homes priced right for the market,
in great condition, and in a good location.
• Often times the seller will ask for your “highest & best” offer.
In other words, what is the highest price you will offer,
considering someone else might out bid you, you would not
have any regrets because you gave it your best shot?

10
Home Warranty
What is a home warranty?
A home warranty is a service contract that covers the repair or replacement of many of the most frequently occurring breakdowns of home system
components and appliances.
Why do I need a home warranty?
While a home warranty is optional, it is highly recommended. Unexpected repair or replacement costs can easily strain your budget. Plus, finding
a qualified professional to solve your problem can be stressful and inconvenient. A home warranty cannot prevent systems or appliances from
breaking down, but it can help make handling covered repairs or replacements easier and less costly.
Types of coverage
Because all plans differ, you will need to ask specifically what is covered. We are happy to discuss with you the different options and what best fits
your needs.
How do I acquire a home warranty?
A home warranty can be purchased by the buyer on your own, purchased by the seller while their home is on the market, or negotiated during
the sales agreement.
Recommended Home Warranty Providers
American Home Shield
www.ahs.com
800.735.4663
Landmark Home Warranty
www.landmarkhw.com
866.306.2999
Old Republic Home Protection
www.orhp.com
800.445.6999

11
Dual Agency and Buyer Due
Diligence
As a buyer, you want to pay the least amount of money and have the seller make the most amount
of repairs. As the seller you the most amount of money and to complete the fewest number of
repairs. The back pages of this guide contain the State of Oregon’s Agency Disclosure Pamphlet.
Disclosed dual agency is a real estate transaction where both the buyer and seller agree to be
represented by the listing agent. WE WON’T DO THAT. The Turner Team, Inc. will only participate
on behalf of one party in all non-institutional sales. Representing both sides is a conflict of interest.
If you hire us as your Realtors® you know that we have your best interests in mind.
The only time we will participate in a dual agency transaction is if the seller is a bank or other
entity. Banks are also exempt from property disclosures and their offer acceptance is “as-is”. In
the bank owned sales that we list, we are the conduit for the flow of information. Your decision
whether to buy or not is based on the bank’s terms and the due diligence that is performed
during the inspection period and other contingencies.
The Earnest Money Agreement [the offer] paperwork contains contingencies that are mostly
in favor of the buyer. Most contingencies expire after a set time and are considered accepted
unless action is taken to reject them. Each contingency allows you to review the information
provided by the seller, the title company, inspections, and other sources of due diligence during
that contingency’s time frame. Rather than“Buyer Beware”we strive to make it“Buyer Be Aware”
so that you know you are making the best decisions for your situation. If you back out of a
transaction based on a contingency you would be entitled to have your earnest money returned.
If you simply change your mind and don’t want to buy the property your earnest money could be
forfeited to the seller. In all instances, both the buyer and seller must agree to what happens to
the earnest money in writing. As a seller, you are obligated to sell under the terms agreed upon
but do not have to make any concessions or repairs.
One of the best sources of public information about a specific property or address in Portland is
PortlandMaps.com. You can find everything from crime reports, building permits, and oil tank
records to your garbage collection schedule. The “Resources” page of our TurnerRealtor.com
website provides the links for other county’s websites and also to public school links.
The Oregon Association of Realtors® provides Buyer and Seller Advisories designed to assist
home buyers and sellers in meeting their obligation and/or to satisfy themselves as to the
condition and desirability of real property. Common issues that arise in Oregon real property
transactions are summarized in these Advisories, which can be found on their website:
www.oregonrealtors.org/resources/membership-resources/buyer-seller-advisories

12
Mortgage Brokers Recommended by
Past Clients
I am a native Oregonian and started my career in lending February 2,
1980. I learned early on that what clients want and certainly deserve is
straight forward honesty about the products that fit their needs and the
process they are entering into. Beyond that I am committed to ensure that
everyone I deal with has price clarity about the cost of doing business with me and I gladly
take the time to help borrowers compare offering from other lenders. While this may sound
simple, our rapidly changing business demands full attention and you can depend on my full
time commitment to overseeing all the details of your next real estate transaction.
Shane Musselwhite
Loan Officer - NMLS 249862
Office: 503.908.7116
Mobile: 503.705.8111
shanem@guildmortgage.net
www.guildmortgage.net/officers/
shanemusselwhite
Evan takes great pride in working individually with every customer
that the team serves. He brings his expertise as a Certified
Financial Planner™ to every loan application, educating all customers on how the choices they
make surrounding their mortgage will affect the rest of their financial lives. Evan is a proud
husband and father; he married Tina in 2006, and they welcomed daughter Addie in 2010 and
son Bennett in 2012. When Evan can find time away from work, he enjoys being with his family,
teeing it up on the golf course, and listening to his vinyl record collection.
Evan Swanson, CFP ®
Mortgage Professional
NMLS #120856
Office: 503.282.5626 x4012
Mobile: 503.314.9959
evan@mortgage-trust.com
www.evanswanson.com
Kim Pentrack
Senior Mortgage Banker
Direct: 503.706.9077
Office: 503.617.3467
Kim.A.Pentrack@wellsfargo.com
www.wfhm.com/loans/kimberly-pentrack
I’m a native Oregonian and graduated from the University of Oregon’s
business school. I have been a Branch Manager for Wells Fargo Home
Mortgage since 2001. My team can help clients with a variety of home
financing needs including condo’s, renovation, investment, first time, move up, and second
homes. In addition, we specialize in new construction with long term locks, and Corporate
Relocations. Our goal is to offer you multiple options so you can make a well informed decision
that best meets your short and long term financial goals.
Hiring a great
mortgage professional
means access to a variety
of lenders and finding the
right loan options for your
specific needs.

13
Preparing for the Lender
• Full names of all purchasers as they are to appear on the title.
• Social security numbers of all purchasers.
• Present residence address for all purchasers and previous address for all purchasers going back two years.
• Home, office, cell phone numbers.
• Present Employer: Name, address and a contact person to send employment verification form.
• Explanation for any gap during two year employment history.
• Relocation letter for any transferees - giving date, salary, new location, and any relocation benefits.
• Previous Employer: Name, address, and a contact person, going back two years.
• Present Salary: Year-to-date pay stub and W-2s for last two years.
• If any variable income, commission, part-time income, bonus, overtime, interest income, etc., is being used to qualify:
Two years signed federal tax returns and W-2s and/or 1099s.
• If self-employed: Two years signed federal individual and corporate returns (if applicable). Also a profit and loss
statement and balance sheet.
• Diploma or transcript if student during two year period.
• Rental Income: Copy of lease which is current and at least one year in length.
• Alimony and Child Support (only if used for qualification): Copy of divorce decree and property settlement (ratified)
setting out terms. Proof of payment will also be requested at application.
• Income from notes held: A copy of the ratified note.
• Retirement, Social Security, and Disability Income: Copy of award letter and latest check showing amount of present
payment. Copy of end of year statement if applicable.
• Bank Accounts: Name of bank, address, account numbers, types of accounts, and present balances. With checking,
use average balances.
• Copy of two most recent statements of all accounts.
• Stocks and Bonds: Copy of certificates or copy of recent (within 30 days) broker statement listing holdings.
• Life Insurance: Cash value, only if being used for down payment.
• Vehicles: Year, make, and value. Copy of title if under four years old with no outstanding lien.
• Real Estate: Address and market value. If free and clear, deed of release, deed or mortgage payoff.
• Present Home: Copy of sales contract, settlement sheet and/or lease.
• Gift Letter: Form will be provided by financial representative. Donor capacity must be verified. Receipt of funds must
be shown in account.
• Credit Cards: Account numbers and outstanding balances.
• Loans(Auto,Mortgage,Personal,Student,etc.):Nameofinstitution,address,accountnumbers,outstandingbalances,
monthly payments, and months left on loan. Copy of next payment coupon. 12 months of statements or canceled
checks for present mortgage.
• Alimony and Child Support: Copy of ratified decree and property settlement setting out terms.
• Certificate of Eligibility: To obtain, you will need a DD-214 (Separation of Service) or if in the service, you will need
a Statement of Service signed by a Commanding Officer or Personnel Officer (certificate must be updated prior to
application).
• If in the service, you will need an Authorization to Live Off Base (DD-1717 from the housing office) andTransfer Order
(if applicable).
PersonalEmploymentOtherIncomeAssetsLiabilitiesVALoans

14
Loan Process Do’s and Don’ts
Will Mortgage Pre-Approval
Hurt My Credit Score?
This is a very common myth. Getting preapproved
is 100% beneficial to you because it gives you the
confidence to write offers and prevent any heart
ache down the road. Good agents and smart sellers
will not even consider looking at a financed offer
without a preapproval letter.
All of the credit bureaus understand the complex
timing of getting a mortgage. Therefore, they have
instituted measures to avoid reflecting pre-approval
inquiries on credit reports.
There are certain “Dos and Don’ts” which may affect the outcome of your loan request. These remain in effect
before, during, and after loan approval, up until the time of settlement when your loan is funded and recorded.
Many times credit, income, and assets are verified the hour you have signed your final loan documents. Here is
a list you should comply with:
Don’t!
• Do anything that may alter your credit and risk
you obtaining your loan. Also, these things may
put you in default of your Sales Contract, put
your Escrow deposit at risk, and put you at risk
of being sued.
• Quit your job or change jobs. If this is likely,
consult your loan officer and call our office.
• Allow anyone to make an inquiry on your credit
report except your lender.
• Apply for credit anywhere else except with your
lender. This causes more “hits” on your credit
rating which can reduce your credit score.
• Change bank accounts or transfer money within
your existing accounts.
• Co-sign for anyone, for any reason, for anything.
• Purchase or attempt to purchase anything on
credit such as another car, truck, boat, furniture,
etc.
• Charge any abnormal amounts to your current
credit cards or credit lines.
• Send in late payments or incur late fees for
anything.
• Wait longer than the time-frame given per your
contract to provide all necessary paperwork and
information to your lender.
Do!
• Keep all accounts current, including mortgages, car
loans, credit cards, etc.
• Contact both your lender and your Realtor® anytime a
question arises.
• Make all payments on or before due dates on all
accounts, even if the account is being paid off with
your new loan.
• Have any lender-required money or funds to your loan
officer within seventy-two hours after home inspection
is complete.
• Return phone calls from your agent, loan officer,
settlement company or anyone else involved in your
transaction within two hours of a message.

15
Moving Checklist
4 Weeks to Go
❍❍ Call moving companies for a free
estimate. Cost will vary depending
on distance, weight, and optional
services.
❍❍ Look through your house to determine
items to be discarded or donated to
charity. Have a garage sale!
❍❍ Inform schools of transfer. Make
arrangements for enrollment/
registrationinnewschoolsifnecessary.
❍❍ Most homeowner’s policies do not
provideadequatecoverageformoving.
Check with your agent and consider
purchasing additional coverage from a
moving company.
❍❍ Begin collecting boxes with covers
if you plan to pack your belongings.
You can purchase packing materials
through moving companies or contact
local grocery stores for extra boxes. Be
sure to stock up on packing tape!
❍❍ Begin consuming perishable and
frozen food items to minimize waste.
3 Weeks to Go
❍❍ Begin packing!
❍❍ Notify the post office of your new
address and send change of address
cards to friends, family, subscriptions,
and any billing companies/credit
cards.
❍❍ Make necessary travel arrangements
including interim housing and car
rental. Be sure to record confirmation
numbers.
❍❍ Collect medical records and
prescriptions from physicians. Ask for
recommendations for doctors in your
new area.
❍❍ Place legal medical and insurance
records in a safe and accessible place.
2 Weeks to Go
❍❍ Arrange to disconnect utilities/
services in your current residence
and coordinate installation of
utilities/services in your new
home:
❑❑ Electric/Gas
❑❑ Water/Sewer/Trash
❑❑ Phone
❑❑ Cable
❑❑ Internet
❑❑ Other: __________________
❍❍ Close/transfer bank accounts
and open accounts in your new
city.
❍❍ Take pets to the vet for
immunizations. Ask for advice on
moving animals.
❍❍ Draw a map of your new home
and where the furniture will be
arranged.
❍❍ Return library books and any
borrowed items.
❍❍ Be sure to cancel newspaper
subscriptions and/or special
services you have (i.e.
landscaping/lawn service, snow
plow, etc.)
❍❍ Change your address with the
DMV for your vehicle registration
and your license.
1 Week to Go
❍❍ Prepare car for the trip. Check the
oil, tires, brakes, etc.
❍❍ Drain water from household
hoses.
❍❍ Drain gasoline and oil from any
lawn or power equipment.
❍❍ Remember to pick up items sent
to the cleaners or for repairs.
Final Days
❍❍ Defrostandcleanoutrefrigerator.
❍❍ Pack your luggage and separate
any items you will need in the
first days in your new home.
Label these boxes“Load Last”.
❍❍ Reconfirm travel arrangements.
❍❍ Reserve ample parking space
for the movers and provide clear
paths inside the house.
The Big Day!
❍❍ Be on hand to answer any
questions.
❍❍ Go over your inventory with the
driver.
❍❍ Be sure to point out all FRAGILE
items to the movers.
❍❍ Check, double check and triple
check to see if anything is left
behind!
❍❍ Do not leave the house until the
movers are gone.

16
Services You May Need
Real Estate Lawyers
Phil Querin
121 SW Salmon St, Ste 1100, Portland, OR 97204
503-471-1334
Richard A. Mario
5300 Meadows Rd, Ste 200, Lake Oswego, OR 97035
503-620-8900
Home Inspectors
Home Team Inspection Services » Mike Huppi
5890 SW 191st Ave, Aloha, OR 97007
503-530-8306
www.hometeam.com
Nickelsen Home Inspections, LLC » Kurt Nickelsen
7314 NE 58th Ave, Vancouver, WA 98661
360-907-9648
www.nickelsenhomeinspections.com
Pillar to Post » Scott Saari
1118 Lancaster Dr, #316, Salem, OR 97301
503-856-8775
www.scottsaari.pillartopost.com
Pillar to Post » Chris Livingston
10258 SW Stuart Ct, Portland, OR 97224
503-682-3053
www.portlandwestside.pillartopost.com
Superior Home Inspection » Troy Walton
12611 NE 7th Ave, Vancouver, WA 98685
360-571-4142
www.a-shi.com
Hopkins Home Inspection » Matthew Hopkins
4062 NE 10th Ave, Portland, OR 97212
503-869-5292
www.hopkinsinspections.com
Sewer Inspectors
Pipe Repair Services » Bill Schroeder
971-570-5452
Pest Management
Evergreen Pest Management
503-925-9752
www.nobugs4u.com
Home Stagers
Chancellor Designs » Ruth Chancellor
503-807-8167
www.chancellordesigns.com
Synergy Staging
503-557-2244
www.synergystaging.com
Electricians
Precision NW Electrical Contractors
» Mike McDonald
503-413-9870
www.precisionnw.net
Insurance
Farmers Insurance » Paul Rilatt
8196 SW Hall Blvd, Ste 217,Beaverton, OR 97008
503-646-2300
www.farmersagent.com/prilatt
Pentrack Allstate Agency
» Todd Pentrack
4855 SE TV Highway, Hillsboro, OR. 97123
Radon / Oil / Mold / Lead
Alpha Environmental
11080 SW Allen Blvd, Ste 100, Beaverton, OR 97005
503-292-5346
www.alphaenvironmental.com
Handyman Services
Kyle Kuhlman
503-989-7517

17
What Our Clients Have to Say
Continued on Next Page
««««« Highly Likely to Recommend
04/04/2017 - brian haveman5
Sold a Single Family home in 2017 for approximately $600K in Happy Valley, OR.
Local knowledge: ««««« Process expertise: «««««
Responsiveness: ««««« Negotiation skills: «««««
Jenny helped facilitate the sale of my home in Happy Valley. Jenny is
very sharp, experienced, efficient, thoughtful and friendly. Her excellent
communication and professionalism made the selling process smooth. I
would highly recommend Jenny!
03/30/2017 - kelfran13
Bought and sold a Multi Family home in 2017 for approximately $700K in Sullivan’s
Gulch, Portland, OR.
I’ve worked with Jenny on two different projects since moving to
Portland 3 years ago. She builds relationships that go beyond the current
transaction, and she has become a trusted resource for me in the Portland
real estate market. I’m glad she’s on my team!
03/22/2017 - Charles Umpleby
Sold a Single Family home in 2017 for approximately $375K in Brentwood-
Darlington, Portland, OR.
Jenny and team were awesome on all they did. Jenny in particular with
assisting in helping get connected to an Estate lawyer. Everything was
done timely and she stayed on top of all aspects of the sale, from getting
the house cleaned to getting minor repairs done. We got a cash offer for
over the asking prices, the house had offers after the first open house
and closed within 30 days. Thank you Jenny!
05/08/2014 - Brian Haines
Bought a Single Family home in 2014 for approximately $250K in Hillsboro, OR.
We had a two year relationship with the turners (Jenny). When our first
home fell through on our end, Jenny picked us up and kept us moving.
When we were finally able to work it out, she was there with the perfect
home - the first one she took us to!
We cannot recommend the Turners highly enough.
Brian & Wendi
03/21/2017 - user366687
Bought a Single Family home in 2017 for approximately $300K in Russell, Portland
This transaction was a very bumpy ride indeed. My purchase of my new
home depended on the sale of another home I had. There were some
real issues with my buyer possibly not being able to get the loan and
we were coming right upon the closing date. I was on pins and needles,
but Ray was Mr. Cool! The deal was closed and all the monies were
transferred after the first bump in the road. It was a big nail-biting bump
though and Ray rode it out like a pro. I really enjoyed doing business with
Ray. He’s sharp, smooth, efficient and a nice guy to boot. I would use him
as an agent again in a hot second.
03/18/2017 - karen1055
Bought and sold a home in 2017 in Jacktown, OR 97007.
We have bought and sold homes using the Turners and had an excellent
time working with them. This time, we bought a condo in a very hot
market using Jenny. She has the magic touch! She found suitable listings,
met us at the best condo in the best location, got our offer accepted,
and walked us through the whole process in record time. Fantastic. We
can’t recommend the Turners highly enough whether you are buying or
selling, high end to low end, these folks are go getters and follow up on
everything quickly and professionally. Best realtors in Portland metro.
03/16/2017 - bethmoesche
Bought a Condo home in 2017 for approximately $175K in Cathedral Park,
Portland, OR.
Jessica was referred to me by friends of mine that bought a house in
the Portland area and highly recommended her. They provided me her
info and after one meeting with Jessica I knew she was the one for me.
Whatever question I had big or small Jessica answered it quickly and to
the point. I felt very overwhelmed as a new home owner (to be) and
Jessica made me feel at ease and that I could do this. I would highly
recommend her to anyone. She is the best.

18
What Our Clients Have to Say
03/13/2017 - lfescobar
Bought a Single Family home in 2016 for approximately $350K in Gleneden Beach,
Lincoln City, OR.
Melissa went out of her physical area to find a home on the Oregon
Coast for us. Armed with a request for‘ water and pretty‘, she located the
perfect home, worked with the local listing agents to close properly and
efficiently --- again, working together with local listing realtor, found
us an insurance agent familiar with the coast, flood insurance and local
contractors to inspect and expedite the entire process to close within 45
days of offer.
03/13/2017 - constanzavaleri
Bought a Condo home in 2017 in Pearl District, Portland, OR.
Our experience working with Charles and Jenny was outstanding! They
were always close to our necessities during the whole process. We have
a great relationship now based in the work they did and in the way they
did it. Great professionals , great people.
03/13/2017 - emmashipp2002
Bought a Single Family home in 2017 for approximately $325K in Centennial,
Portland, OR.
Jenny and Shayda made the whole home buying process so smooth and
simple, it was like it just“magically happened.”
They were always available to talk or answer texts or let me know when
they could. They were super friendly and always made time to show us
houses. It seemed like it was fun for them and they made it fun for us.
03/13/2017 - zuser20161126115632910
Bought a Single Family home in 2017 for approximately $400K in Collins View,
Portland, OR.
Jenny walked us through every step of the process and made our home-
buyingexperienceassuccessfulandeasyaspossible.Shematcheduswith
a home that met our specific needs, made some great recommendations
for lenders, home inspectors, and we relied on her expertise to guide us
through the complicated process of closing on our house.
03/08/2017 - user87603282
Bought a Single Family home in 2012 for approximately $275K in Kenton, Portland,
It was wonderful working with Jenny Turner to buy our first home. As
first time home buyers, Jenny offered us her expertise in finding and
negotiating our first home. I couldn’t be happier with the process
and outcome. We have been in our home for four years now. We have
recommended many friends to Jenny and will return to her as clients in
the future.
03/03/2017 - JuliaBabcock5
Bought a home in 2017 in Richmond, Portland, OR 97214.
Jessica has been a dream to work with! She helped me buy my first home
by coaching me through the process from offer to inspection to closing.
She gives fair, balanced guidance and has a great team of experts who
helped me get the information I needed to feel comfortable with the final
deal. Everyone should be so lucky as to have a realtor like her on their
side.
02/20/2017 - kristielbramwell
Bought a Single Family home in 2017 for approximately $425K in Multnomah,
As a member of the Turner Team, Shayda was our primary point of contact early
in the home buying process. She listened carefully to our wants and needs and
through initial showings was able to hone in on details that were important to
us. Shayda’s market research revealed several great options that we had not
found ourselves, and she went above and beyond in making sure we were able
to take advantage of unique circumstances to view and make a favorable offer
on the home we eventually purchased. Her commitment to our satisfaction
came through in every interaction. I highly recommend Shayda, it was a pleasure
working with her.
01/23/2017 - cozzie6
Sold a Single Family home in 2017 for approximately $375K in Hayhurst, Portland,
Kris is surprisingly good as an agent for the seller, which is how we used her. I
would strongly recommend her anyone needing an agent. She went over and
above what is expected of an agent, helping us even after the sale. She went to
bat for us to negotiate with the Title Co. I’m sure she can fill you in if necessary.
We followed all of her recommendations during the sale of the home and she was
spot on each time. Good eye and sharp mind!
See all of our reviews at www.zillow.com/profile/TurnerRealtors/Reviews

19
Oregon Real Estate Agency
Disclosure Pamphlet (1 of 2)
Consumers: This pamphlet describes the legal obligations of real estate licensees in Oregon. Real estate brokers and principal real estate
brokers are required to provide this information to you when they first meet you.
This pamphlet is informational only. Neither the pamphlet nor its delivery to you may be interpreted as evidence of intent to create an
agency relationship between you and a broker or a principal broker.
Real Estate Agency Relationships
An “agency” relationship is a voluntary legal relationship in which a
licensed real estate broker or principal broker (the “agent”) agrees to act
on behalf of a buyer or a seller (the “client”) in a real estate transaction.
Oregon law provides for three types of agency relationships between real
estate agents and their clients:
• Seller’s Agent: Represents the seller only.
• Buyer’s Agent: Represents the buyer only.
• Disclosed Limited Agent: Represents both the buyer and seller,
or multiple buyers who want to purchase the same property.
This can be done only with the written permission of all clients.
The actual agency relationships between the seller, buyer and their agents
in a real estate transaction must be acknowledged at the time an offer to
purchase is made. Please read this pamphlet carefully before entering into
an agency relationship with a real estate agent.
Definition of“Confidential Information”
Generally, licensees must maintain confidential information about their
clients. “Confidential information” is information communicated to a real
estate licensee or the licensee’s agent by the buyer or seller of one to four
residential units regarding the real property transaction, including but
not limited to price, terms, financial qualifications or motivation to buy or
sell.“Confidential information”does not mean information that:
a. The buyer instructs the licensee or the licensee’s agent to
disclose about the buyer to the seller, or the seller instructs the
licensee or the licensee’s agent to disclose about the seller to
the buyer; and
b. The licensee or the licensee’s agent knows or should know
failure to disclose would constitute fraudulent representation.
Duties and Responsibilities of a Seller’s Agent
Under a written listing agreement to sell
property, an agent represents only the seller
unless the seller agrees in writing to allow the
agent to also represent the buyer.
An agent who represents only the seller owes
the following affirmative duties to the seller,
the other parties and the other parties’ agents
involved in a real estate transaction:
1. To deal honestly and in good faith;
2. To present all written offers, notices
and other communications to and
from the parties in a timely manner
without regard to whether the
property is subject to a contract for
sale or the buyer is already a party to a
contract to purchase; and
3. To disclose material facts known by
the agent and not apparent or readily
ascertainable to a party.
A seller’s agent owes the seller the following
affirmative duties:
1. To exercise reasonable care and
diligence;
2. To account in a timely manner for
money and property received from or
on behalf of the seller;
3. To be loyal to the seller by not taking
action that is adverse or detrimental
to the seller’s interest in a transaction;
4. To disclose in a timely manner to the
seller any conflict of interest, existing
or contemplated;
5. To advise the seller to seek expert
advice on matters related to the
transaction that are beyond the
agent’s expertise;
6. To maintain confidential information
from or about the seller except
under subpoena or court order,
even after termination of the agency
relationship; and
7. Unless agreed otherwise in writing, to
make a continuous, good faith effort
to find a buyer for the property, except
that a seller’s agent is not required to
seek additional offers to purchase the
property while the property is subject
to a contract for sale.
None of these affirmative duties of an agent may
be waived, except (7).The affirmative duty listed
in (7) can only be waived by written agreement
between seller and agent.
Under Oregon law, a seller’s agent may show
properties owned by another seller to a
prospective buyer and may list competing
properties for sale without breaching any
affirmative duty to the seller.
Unless agreed to in writing, an agent has no
duty to investigate matters that are outside the
scope of the agent’s expertise, including but
not limited to investigation of the condition
of property, the legal status of the title or the
seller’s past conformance with law.
Continued on Next Page

20
Oregon Real Estate Agency
Disclosure Pamphlet (2 of 2)
Duties and Responsibilities of a Buyer’s Agent
An agent, other than the seller’s agent, may agree to
act as the buyer’s agent only. The buyer’s agent is not
representing the seller, even if the buyer’s agent is receiving
compensation for services rendered, either in full or in part,
from the seller or through the seller’s agent.
An agent who represents only the buyer owes the following
affirmative duties to the buyer, the other parties and the
other parties’agents involved in a real estate transaction:
1. To deal honestly and in good faith;
2. To present all written offers, notices and other
communications to and from the parties in a
timely manner without regard to whether the
property is subject to a contract for sale or the
buyer is already a party to a contract to purchase;
and
3. To disclose material facts known by the agent and
not apparent or readily ascertainable to a party.
A buyer’s agent owes the buyer the following affirmative
duties:
1. To exercise reasonable care and diligence;
2. To account in a timely manner for money and
property received from or on behalf of the buyer;
3. To be loyal to the buyer by not taking action that
is adverse or detrimental to the buyer’s interest in
a transaction;
4. To disclose in a timely manner to the buyer any
conflict of interest, existing or contemplated;
5. To advise the buyer to seek expert advice on
matters related to the transaction that are
beyond the agent’s expertise;
6. To maintain confidential information from or
about the buyer except under subpoena or
court order, even after termination of the agency
relationship; and
7. Unless agreed otherwise in writing, to make a
continuous, good faith effort to find property
for the buyer, except that a buyer’s agent is not
required to seek additional properties for the
buyer while the buyer is subject to a contract for
purchase.
None of these affirmative duties of an agent may be
waived, except (7).The affirmative duty listed in (7) can only
be waived by written agreement between seller and agent.
Under Oregon law, a buyer’s agent may show properties in
which the buyer is interested to other prospective buyers
without breaching an affirmative duty to the buyer.
Unless agreed to in writing, an agent has no duty to
investigate matters that are outside the scope of the
agent’s expertise, including but not limited to investigation
of the condition of property, the legal status of the title or
the seller’s past conformance with law.
Duties and Responsibilities of an Agent Who Represents More than
One Client in a Transaction
One agent may represent both the seller and the buyer in the same transaction,
or multiple buyers who want to purchase the same property, only under a written
“Disclosed Limited Agency Agreement”signed by the seller and buyer(s).
Disclosed Limited Agents have the following duties to their clients:
1. To the seller, the duties listed above for a seller’s agent;
2. To the buyer, the duties listed above for a buyer’s agent; and
3. To both buyer and seller, except with express written permission of the
respective person, the duty not to disclose to the other person:
a. That the seller will accept a price lower or terms less favorable than
the listing price or terms;
b. That the buyer will pay a price greater or terms more favorable than
the offering price or terms; or
c. Confidential information as defined above.
Unless agreed to in writing, an agent has no duty to investigate matters that are
outside the scope of the agent’s expertise.
When different agents associated with the same principal broker (a real estate
licensee who supervises other agents) establish agency relationships with
different parties to the same transaction, only the principal broker will act as a
Disclosed Limited Agent for both the buyer and seller. The other agents continue
to represent only the party with whom the agents have already established an
agency relationship unless all parties agree otherwise in writing. The principal real
estate broker and the real estate licensees representing either seller or buyer shall
owe the following duties to the seller and buyer:
1. To disclose a conflict of interest in writing to all parties;
2. To take no action that is adverse or detrimental to either party’s interest
in the transaction; and
3. To obey the lawful instructions of both parties.
No matter whom they represent, an agent must disclose information the agent
knows or should know that failure to disclose would constitute fraudulent
misrepresentation.
You
are encouraged
to discuss the above
information with the licensee
delivering this pamphlet to you. If
you intend for that licensee, or any other
Oregon real estate licensee, to represent you
as a Seller’s Agent, Buyer’s Agent, or Disclosed
Limited Agent, you should have a specific
discussion with the agent about the nature and
scope of the agency relationship. Whether
you are a buyer or seller, you cannot make a
licensee your agent without the licensee’s
knowledge and consent, and an agent
cannot make you a client without
your knowledge and
consent.

Lovejoy buyer's real estate guide - may 2018

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