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Tracey Taylor Real Estate Buyer Presentation

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The ins and outs of purchasing a property in Portland Oregon, and how my services will benefit you.

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Tracey Taylor Real Estate Buyer Presentation

  1. 1. Prudential Northwest Properties Home Buying Guide Presented By: Tracey Taylor PC, A.B.R. Broker 503 701 5931 Mobile [email_address]
  2. 2. About You … <ul><li>Have you arranged financing for your new home? </li></ul><ul><li>Do you know the amount of the loan commitment? </li></ul><ul><li>How much of a down-payment do you plan to invest? </li></ul><ul><li>With what price range are you comfortable? </li></ul><ul><li>Are there any specific neighborhoods or areas that appeal to you? </li></ul><ul><li>Ideally, when would you like to be living in your new home? </li></ul><ul><li>Do you own or rent your current property? </li></ul><ul><li>Who will the decision-makers be? </li></ul>
  3. 3. Understanding Agency Relationships When real estate professionals work with buyers and sellers, “agency” relationships are established. There are three kinds of agency relationships: Buyer’s agent – represents the buyer during the home buying process. The buyer’s agent has a fiduciary responsibility to represent the buyer’s best interests, including reasonable care, loyalty and confidentiality. Seller’s agent – represents the interest of the seller and has a fiduciary responsibility of reasonable care, loyalty, confidentiality and disclosure to the seller. A seller’s agent works to assist the seller in locating a buyer and in negotiating a transaction suitable to the seller’s specific needs. Disclosed limited agent – represents the interests of both the buyer and the seller, during the same transaction. A dual agent has responsibilities to both buyer and seller and must act in the best interest of both parties. This can be done only with the written permission of both clients . Please see Agency Disclosure Pamphlet for more detailed information.
  4. 4. The Prudential NW Properties Advantage <ul><li>We are the largest, locally-owned and managed real estate services company in the area </li></ul><ul><li>Our brand is recognized by 96% of North Americans </li></ul><ul><li>The Prudential name stands for Strength, Integrity & Trust </li></ul><ul><li>We have been serving our market area since 1948 </li></ul><ul><li>Our network includes 2,200 offices and 68,000+ agents, plus over 15 million Prudential Financial global customers </li></ul><ul><li>Our company is 700+ agents strong and ranks in the Top 2% of all Prudential brokerages in the United States </li></ul><ul><li>We are committed to giving back to our communities through Transitional Youth </li></ul>
  5. 5. Your Home Services Coordinator <ul><li>When you buy or sell a home through Prudential Northwest Properties, you gain complimentary access to our Home Services network of services. </li></ul><ul><li>Your Home Services Coordinator (HSC) assists me in providing any services related to home ownership. </li></ul><ul><li>Your Home Services Coordinator: </li></ul><ul><li>Is available to guide and support you through the moving process </li></ul><ul><li>Provides contact information for utility transfers and connections </li></ul><ul><li>Obtains moving van and storage estimates </li></ul><ul><li>Helps you find the best mortgage loan </li></ul><ul><li>Alerts you to discounts on home related products & services </li></ul><ul><li>Contacts local service providers on your behalf </li></ul><ul><ul><li>All of this and more… for FREE </li></ul></ul>
  6. 6. Home Warranty Buyer Protection <ul><li>How an American Home Shield warranty benefits you: </li></ul><ul><li>Provides budget protection against costly “surprise” repairs at a time when you’ve just made a major investment in your home </li></ul><ul><li>Saves you time and frustration in dealing with unexpected home repair issues </li></ul><ul><li>Removes the hassle of finding reliable contractors in your area </li></ul>A home warranty is an annual service plan that provides for the repair or replacement of covered systems and appliances in the home that break down due to normal wear and tear.
  7. 7. The Home Buying Process Our initial consultation The home buying process typically includes the following: View and evaluate properties <ul><li>Determine offer price </li></ul><ul><li>Decide on financing and terms </li></ul><ul><li>Negotiate agreement with a seller </li></ul><ul><li>Obtain Financing </li></ul><ul><li>Consult with a loan officer </li></ul><ul><li>Complete loan application </li></ul><ul><li>Obtain pre-approval </li></ul><ul><li>Complete the settlement process </li></ul><ul><ul><li>Deposit earnest money </li></ul></ul><ul><ul><li>Obtain inspections </li></ul></ul><ul><ul><li>Arrange insurance </li></ul></ul><ul><ul><li>Sign documents </li></ul></ul><ul><ul><li>Record title </li></ul></ul><ul><ul><li>Receive keys </li></ul></ul><ul><ul><li>Move in! </li></ul></ul>Obtain property appraisal <ul><li>Loan processing </li></ul><ul><li>Final loan approval </li></ul>
  8. 8. Financing Your Home Purchase <ul><li>I will assist you in this process to help ensure you obtain the financing that meets your needs. </li></ul><ul><li>I will offer to arrange a pre-qualifying or pre-approval meeting with an experienced mortgage consultant to determine your affordability range. </li></ul><ul><li>Being pre-approved for a loan before you submit an offer on a home will put you in a stronger negotiating position and can save time in the loan process </li></ul><ul><li>Your loan officer will be your principal guide through the financing process and will explain various financing options available to you. </li></ul><ul><li>There are many financing options available right now, especially for first time home buyers, so it is important to speak to at least a couple of different companies to see what they can offer you. Believe it or not, not all lenders are equal. There are special grants and credits that might be available to you but your lender has to be qualified to offer these. </li></ul>Unless you are in a position to pay cash for your home, you will need to obtain a home loan to complete the purchase.
  9. 9. Loan Application Check List
  10. 10. Life of an Escrow
  11. 11. My Commitment to You The Buyer Service Agreement is our mutual commitment to each other to ensure the best home purchase experience possible. <ul><li>My Duties: </li></ul><ul><li>Make a diligent effort to locate a property acceptable to you </li></ul><ul><li>Promptly inform you of homes that may meet your requirements </li></ul><ul><li>Provide professional counseling on financing options and availability of property </li></ul><ul><li>Assist you in obtaining information, preparing offers and negotiating on your behalf </li></ul><ul><li>Monitor and oversee the purchase process prior to closing </li></ul><ul><li>Your Duties: </li></ul><ul><li>Provide me information on your wishes and feedback on properties we view </li></ul><ul><li>Provide information relevant to your ability to acquire property </li></ul><ul><li>Be available at reasonable times to view property and consider making offers </li></ul><ul><li>Refer to me all other brokers, builders and sellers with whom you may come in contact regarding an available property </li></ul><ul><li>Conduct all negotiations through me </li></ul><ul><li>Work exclusively with me in locating, viewing and negotiating for property </li></ul>
  12. 12. Your Single Source for Property Information I have access to information for virtually every property for sale in this market, and will complete a thorough market search to identify all properties consistent with your needs, criteria and price range. <ul><li>Advertised in the newspaper or buyer’s guides </li></ul><ul><li>On the Internet </li></ul><ul><li>Visiting Open Houses </li></ul><ul><li>Displaying “For Sale By Owner” signs </li></ul>I will obtain important facts about homes you see: Contact me right away if you find a home in which you’re interested and would like more information. Here are some tips on the best course of action under other types of circumstances that you might encounter while searching for homes : <ul><li>New Construction – give the builder or agent representative my business card and tell them you are represented by me </li></ul><ul><li>For Sale By Owner – give me a flyer from the property or contact information so I can arrange an appointment for viewing </li></ul>
  13. 13. Our HomeFinder Program For the latest information on homes for sale, register for HomeFinder. Once you search for properties, save your search and choose to receive New Listing Updates. The system will automatically e-mail you a list of newly listed properties that match your search criteria.
  14. 14. HomeFinder When a new property becomes available within your criteria, an email is immediately sent to you. You will also get updates on all price changes. If you are interested in more in-depth details of the property, just drop me an email or give me a call. In any market, be it a ‘buyers ‘ or a ‘sellers’, it is very important to be able to act promptly. Quite frankly, if you think its an interesting property or a ‘good deal’ so do other buyers!
  15. 15. Submitting An Offer Once you have found the right property, I will provide you with information on market values on other properties in the area so you can make a sound decision. Then I will prepare a written offer of purchase, reflecting your price and terms. We will discuss other issues that are important to you, such as items of personal property you would like included with the house, warranty, inspections, closing date and possession. I will provide advice and negotiating assistance on all offers to purchase. <ul><li>At every opportunity I will ask to present your offer to the seller and the agent in person. </li></ul><ul><li>I will present your offer and the seller will have three choices: </li></ul><ul><li>Accept the offer as it is presented </li></ul><ul><li>Reject it completely </li></ul><ul><li>Propose adjustments to your offer (counter offer) </li></ul><ul><li>If there is a counter offer, you may choose to accept it, reject it or counter it. Once we have reached an agreement with the seller, you will have a firm contract to purchase the home. </li></ul>
  16. 16. Protecting Your Interests <ul><li>There are several ways to help support a trouble-free home purchase: </li></ul><ul><li>A written property disclosure statement from the seller will reveal any problems with the house and the surrounding area that you need to know about </li></ul><ul><li>Professional inspections can reveal structural, roof, termite and other problems with the property that the seller will need to remedy </li></ul><ul><li>A home warranty can give you peace of mind by providing repair-or-replace coverage of major home operating systems and appliances </li></ul><ul><li>A preliminary title report informs you of any problems with the property’s title and a policy of title insurance protects your rights </li></ul><ul><li>A walk-through before closing will allow you to make sure all required work has been taken care of and that the property is ready to become yours </li></ul>
  17. 17. My Team Is Here For You <ul><li>Transaction Coordinator – Cathe Jerome </li></ul><ul><li>Home Services – Rosie Kaufman and Cheryl Winters </li></ul><ul><li>Mortgage – Various agents/companies depending on your needs </li></ul><ul><li>Pacific NW Title Company – Lisa Fredinburg </li></ul><ul><li>Principal Broker – David Sly and Barbara Roach </li></ul><ul><li>All the Prudential agents in my office and company </li></ul>My team of real estate professionals is here to serve you throughout the home buying process. We will be communicating with you and each other on a very regular basis and every step of the way, so that you stay informed and as worry-free as possible. Many details need to be taken care of in order for a home purchase to be completed. It can take between 30-90 days to work through all the steps involved in a home sale, depending on the complexity of the transaction.
  18. 18. Reasons to work with a Quality Service Certified Real Estate Professional Consumer Focus The sale or purchase of your home is one of the most important financial and personal decisions you will ever make. Working with a QSC Real Estate Professional who is consistent, reliable, accountable and responsive assures you a better experience . Written Guarantee and Accountability I guarantee my services upfront, and in writing. You should not settle for anything less. The independent customer satisfaction survey process and public consumer rating shows you that I do what I say I will do. Putting My Reputation to the Test I am among the elite 1-2% of real estate professionals who are willing to have their customer satisfaction record publicly available. Most sales agents are not willing to subscribe to the high standards set by QSC that I have chosen to follow. Your Assurance of Quality After your purchase or sale, you will have the opportunity to fill out a survey rating my service that becomes a part of my permanent record for all to see. The entire survey process is administered by an independent research company, and is NOT conducted by my brokerage. Greater Satisfaction I am among a select group of professionals who have completed training and certification related specifically to quality service and customer satisfaction. I have committed to ongoing service excellence, meeting the highest standards in the real estate industry. Log onto and you can view how my past clients rated my service.
  19. 19. Quality Service Guarantee <ul><li>As your Real Estate Professional, I will: </li></ul><ul><li>Present an agency law pamphlet, and explain agency relationship. </li></ul><ul><li>Gather information to identify your needs, criteria and goals and set up a property search. </li></ul><ul><li>Offer to arrange pre-qualifying/pre-approval meetings with a Mortgage Broker to determine affordability range. This also will improve negotiation position at the point of offer presentation. </li></ul><ul><li>Commit to priority availability for meetings and property showings. </li></ul><ul><li>Complete a thorough market search and identify all properties consistent with your criteria and price range. </li></ul><ul><li>Prepare a written competitive or comparative market analysis for you prior to making an offer if necessary, and if time allows. </li></ul><ul><li>Prepare a written offer to purchase the property of your choice reflecting your price and terms. </li></ul><ul><li>Provide advice and negotiating assistance on all offers to purchase. </li></ul><ul><li>Obtain and review with you, the sellers written property history and disclosure statement. </li></ul>The Quality Service Guarantee is your written commitment from me, assuring the delivery of all of the services described below.
  20. 20. Quality Service Guarantee <ul><li>Provide advice and negotiating assistance on all offers to purchase. </li></ul><ul><li>Obtain and review with you, the sellers written property history and disclosures. </li></ul><ul><li>Recommend professional inspections and review findings and remedies with you and contractors. </li></ul><ul><li>Explain ‘American Home Shield Warranty Protection Plan. </li></ul><ul><li>Monitor and communicate the status and satisfaction of contract contingencies. </li></ul><ul><li>Accompany you on your home inspection and any walk through before closing, if provided for in the contract. </li></ul><ul><li>Contact you after the closing to assure the satisfactory completion of details. </li></ul><ul><li>Offer you the opportunity to evaluate the service provided by myself through the Quality Assurance Survey . </li></ul><ul><li>Provide a Home Services Coordinator to assist you with home related needs throughout the life of your home ownership. </li></ul>
  21. 21. A smooth Transition to Your New Home Here is a timeline to consider as you make the move to your new home. Remember to contact our Home Services Department for assistance. <ul><li>4 weeks before you move: </li></ul><ul><li>Finalize plans with a reputable moving company </li></ul><ul><li>Have school records transferred </li></ul><ul><li>Arrange to transfer (or take with you) medical, dental and other important records </li></ul><ul><li>Prepare to transfer your homeowners, auto and life insurance </li></ul><ul><li>Consider a garage sale to get ride of unneeded items </li></ul><ul><li>Arrange to place excess items in storage if necessary </li></ul><ul><li>Keep track of moving related expenses and ask your accountant what expenses may be deductable </li></ul><ul><li>3 weeks before: </li></ul><ul><li>Obtain and mail change-of-address cards to the post office, subscriptions, credit card companies and important contacts </li></ul>
  22. 22. A smooth Transition to Your New Home <ul><li>2 weeks before you move: </li></ul><ul><li>Arrange for utility connection changes </li></ul><ul><li>Close or transfer bank accounts </li></ul><ul><li>Arrange for transfer of vehicle licenses and drivers licenses </li></ul><ul><li>Terminate newspaper delivery service </li></ul><ul><li>Have an extra supply of prescription medications for the next four weeks </li></ul><ul><li>We will schedule a final walk-through of the property to make sure everything is in order </li></ul><ul><li>Week of your move: </li></ul><ul><li>Keep valuable financial records and personal papers with you. Don not pack them with the rest of your household goods </li></ul><ul><li>Preferably a few days prior to close, all the documentation will be at the Title Company and ready for you to sign </li></ul><ul><li>Once the transaction has funded and the documents recorded, the home is officially yours </li></ul><ul><li>MOVE IN!! </li></ul><ul><li>Remember to contact our Home Services Department for assistance for all your future homeownership needs. 877 849 8898 </li></ul>