Transcript: To get the home of your dreams for the best price! Chris Gizzi Carol Kemp Define the Price Define the Area Define the Amenities Ines Negrete Steve Ruiz Doug & Erin Harris Ed & Angie Wright Pay Market Value or Less Good Neighborhood Good Location Good Floor Plan Feels Like Home And one more thing... Thank you for your attention! The Process Transaction Coordinator Meet the Conclusion Our TEAM Goal is your Goal Understanding the Home Buying Process Creating a Buying Philosophy Moshelle Carlson is here How may I serve you?
Transcript: It’s a balancing act to make it a win-win. Priority access to the MLS VIP buyer program We do all of this free of charge... buyer presentation All brands (not just ours) Seller pays ( you don't ) We match your preferences with the current database of unsold homes & new listings. How it works... Negotiate a firm deal. Full details & pictures We present your offer to the sellers. Power of sales Our list includes... Alerted before the public We prepare your offer. Our Buyer Profile The starting point of your search... Investment property All we ask is your loyalty. How much can we afford? Mortgage 101 ready to buy? What's the monthly cost? We match your preferences with the current database of unsold homes & new listings. Our program runs 24-7 continually looking for anything that matches... We only send the homes that match your criteria. Select your top choices and let us know when it works for you to start looking. See homes online that we didn't email? Usually it's because it's sold... Adding protective clauses to keep you safe. Let us have the awkward conversations.
Transcript: Understanding the Pre-Approval Process LOCATION, LOCATION, LOCATION The Needs, The Wants and The Wish List. Making An Offer. Home Inspection The Appraisal Scheduling The Closing To make the financing process as painless as possible, ask your agent to introduce you to the preferred financing consultant. This professional will work with you and your agent to make sure the financial aspect of your home purchase is stress free. What will the consultant do for you? 1. Review your current financials. 2. Discuss the options available to you during the home purchasing process. 3. Guide you to an appropriate price point. 4. Negotiate on your behalf to get you the best deal - price, interest rates, loan approval. 5. Keep you informed and updated of the entire financial process throughout your purchase. So you've met with your trusted advisors, and now you're ready to begin your search. But how or where do you start? There are a lot of homes out there, and diving in without a guide can become overwhelming and confusing. As your REMAX agent, I will help you more accurately pinpoint homes that fit your criteria. The right home will meet all your important needs, and as many of your additional wants as possible. Some questions you might ask yourself include: 1. What amenities are crucial for you and your family? 2. How much space do you need and why? 3. Which is more critical: location or size? 4. Would you be interested in a fixer-upper? 5. How important is home value appreciation? 6. Is neighborhood stability a priority? Once you've found a home you love, the next step is deciding on a price. It's important to remember that a home is an investment. As your Agent I can give you information on other properties in the neighborhood to help you ensure you make an informed decision when it comes to price. I can explain and guide you through the offer process. Some things to consider when deciding on the best price point are: List price - Start with the price point that the home is listed at. This will give you a base when looking at the home value. Market Analysis - As your buyer's agent I can give you an idea of comparable home values in the neighborhood to help you decide if the price point is on par. Improvements - I can give you a list of improvements made to the home and help you determine its market value. A home inspection is an all-encompassing examination of the condition of a home. The home inspection process is often but not always performed at the time of the sale of the home. A home is one of the most important purchases one will ever make. A home inspection is an inexpensive way to discover the universal condition of a home. It is important to conduct a home inspection to avoid a costly mistake by purchasing a property in need of major repairs. Knowing what work has and has not been done to your home is important information to have in the buying process. While updates can increase your home value, damages can take money out of your pocket. Very often a problem appears to be big, but can be fixed with very little effort and not a huge budget. A qualified home inspector can help you in determining what is crucial or what would be considered regular maintenance. Appraisals are an important part of your home buying process. A Real Estate Appraisal helps to establish a property's market value and the likely sales price it would bring if offered in an open and competitive real estate market. Your lender will require an appraisal when you use real estate as security for a loan. Experienced agents should come very close to an appraisal price with their Comparative Market Analysis - CMA. However, an appraiser's report is much more detailed--and is the only valuation report a bank will consider when deciding whether or not to lend a loan. What to Expect at the Closing Table You have your mortgage closing date scheduled, which means you’re in the home stretch. Closing is the final step of the process, and the closing table is where the ownership of the home will transfer from the seller to the new owner (that’s you). Finally, you’ll be getting the keys to your new home. What to Bring Your mortgage loan officer and title company representative will provide you with a list of what you will need to bring. Each buyer needs a photo I.D., such as a driver’s license, passport, etc. A certified or cashier’s check for the closing costs that you will owe, made out to the title or closing company. Any outstanding documents or paperwork that you have not yet provided to the title company or mortgage loan officer. Thank You! For sellers: calculating your net proceeds Earnest Money Withdrawing an offer Step 1 What the offer contains continued What does your future home look like? Where is it located? As you hunt down your dream home, consult this list to evaluate properties and keep your priorities top of mind. Neighborhood Schools # of bedrooms # of bathrooms Finished lower level Garage Yard, etc. My Offer is Accepted -- Now What?
Transcript: Property Search Offers & Contracts Closing & Costs After Care Shaw Realty Group Our team has this promise. It's our goal to create an experience so great, you can't imagine it being better. Now, there will be challenges. It's real estate, and it's people. Just know that each and every person on our team is focused on creating that 10+ experience for you. The Steps About Us 10. Agent for Life JUST prior to closing you will visit with your lawyer to sign final documents relating to the purchase of the home, including financing and insurance documents YOUR lawyer will go over statement of adjustments explaining any costs or credits CLOSING costs will vary depending on purchase price of home, but will likely include; lawyers fees and disbursements land transfer tax (rebates may be available) mortgage fees (if applicable) new development charges (if applicable) new development enrollment fees (if applicable) title insurance ON the day of closing, title is conveyed and keys are supplied to the buyer. Time to CELEBRATE! Online Marketing (37%) 6. Telemarketing Team Our Commitment to You 2. Pre-Qualification 9. Connection to Proven Professionals 4. Personalized Listing Search Our Commitment to You 7. Pricing Research 8. Professional Representation National portals Brokerage websites Classified services Search engines Social Media 1 National Portals The Buying Process 1. Education & Communication Why hire a single agent when MAINTAIN digital records and copies of all documentation, which is accessible to all parties PROVIDE continuing updates on market conditions at your option. 5. Top Three Hit List Our Commitment to You Our Team 3. Customized Needs Analysis ESTABLISH your qualified price range RESEARCH potential properties in your range, both on and off MLS® SCHEDULE viewings of selected properties COMPARE the advantages and disadvantages of each potential property ANALYZE offered pricing within the current market REPEAT this process as long as necessary, building your confidence in any decision until we find the perfect fit Our Team The Home Buying Process Our Commitment to You Our Promise administrative division | marketing team | sales department | outbound sales | inbound sales Our Commitment to You EXPLAIN and establish the formal buyer-agency agreement. Your Realtor® represents you, the buyer, at no cost EXPLAIN the agreement of purchase and sale and the general process that will be followed OFFERS and counter-offers are part of a two-way negotiation process DISCUSS with you the various conditions that may apply to your offer. Common conditions include obtaining financing approval, conducting a home inspection, or selling your current home PRESENT and negotiate your offer in an effort to obtain the best possible price and terms FOLLOW UP on conditions and time frames INVESTIGATE any issues arising and supply additional information requested by the seller AMEND the agreement with waivers, notices of fulfilment of conditions, and other amendments as they arise SECURE and forward all documentation to lawyers or financial institutions SCHEDULE and attend any showings prior to closing 11.
Transcript: Why Choose Nothing but the BEST is Good Enough #2 Partnership in Keller Williams Ottawa Realty 2010 Team Work Our Mission & Core Values Founded in 2001 Largest Real Estate Office in Ottawa 2006-2010 Canadian Business Awards INTEGRITY Ashlea Joyce (Office Manager) Mary Caird (Broker of Record) CARE Meron Berhe (Tech Support) RESULTS Sunny Daljit (Team Leader) PROFESSIONALISM Craig Smith Craig Barton-Hill (Buyer Agent) COMMUNICATION Wendy Cheung
Transcript: Buyer Presentation Buyer Program As your designated agent, it is my goal to assure your peace of mind and confidence in purchasing a home. I will ensure that you understand the complex home buying process; I am your ongoing information source; from organizing purchase financing to move in day. I explain every document and am always available to answer any questions you make have. I have a network of trusted industry professionals I work alongside to assist you in guaranteeing all legal and financial matters are in order; avoiding unwelcome delays after an offer has been made. I follow to a strict code of ethics and provide ongoing real estate market conditions analysis and help you understand the impact on your negotiation strategy; and develop a plan accordingly. I ask the tough questions when it comes to defining your needs and wants in a home; then utilize my access to multiple listing service and current inventory to narrow your search. When evaluating properties, I will provide access to important insight on the structure, property, and neighborhood. I make sure that your interests are explicitly represented in the contract of purchase and sale. I will negotiate the best price for your home. I will present your offer to the seller; clearly explaining your price and conditions. My Promise To You, The Home Buyer Pursuing excellence is my credo; I am an advocate for the importance of being goal oriented, compassionate and a proven passion for providing creative financial solutions. I deliver a fresh perspective and creative approach to the real estate experience. It is my mission to provide personalized and informed service in helping find my clients their perfect home. My Mission Your needs today Your plans for the future Family composition Career aspirations Other properties/plans A realistic real estate budget Your preferences The pre-approval process Understanding Finding the Right Home Looking beyond the ‘usual’ research portals of the internet, newspapers, “For Sale” signs, and meeting several agents. http://www.royallepage.ca I am able to provide you with access to listings of all brands, providing you with detailed information about homes in your area. The Search Begins Comparable property values Taxes Utilities Zoning Restrictions Public transportation Proximity to schools, churches, shopping centres, recreational facilities, or other locations of interest Future marketability Outside factors (local development plans, etc…) Profiling Properties of Interest Knowing: Whether the property is worth the asking price The availability of similar properties at a better price How certain property features may affect future marketability How outside factors affect future property values The motivating factors of the seller How I will manage counter offers Negotiation Price Negotiations with the seller and their agent Home inspections The purchase agreement and other documentation, forms and applications Managing deposits Loan application and processing Mortgage insurance and title insurance Monitoring your transaction through to closing or completion There's More Than Meets The Eye Managing the Process Calculate your household expenses Calculate your total monthly expenses How much do you think you can afford? Decide on your maximum house price Understand the mortgage pre-approval process Learn about the hidden costs Be Financially Prepared https://drive.google.com/file/d/1MDKrBQTcmvViBnkvctezjdGeFBk3gpfz/view?usp=sharing Working with a REALTOR Forms https://drive.google.com/file/d/1FF0S0qg9kJE4OLOGwRuU2zHDKs0uKDGI/view?usp=sharing Buyer's Agency Exclusive Contract Buyer's Agency https://drive.google.com/file/d/1YKaEGNeL0ccr5zi0f4rZNfuc3oOjxEC1/view?usp=sharing Contract of Purchase and Sale Market Overview A total of 774 properties sold in the Victoria Real Estate Board region this April, 12.5 per cent fewer that the 885 properties in April last year, but a 12.5 per cent increase from the month previous. The sales of condominiums were down 21.6 per cent from last year in April with 225 units sold. Single family homes were 8.1 per cent down from the year previous with 420 sold this April.. There were a total of 2,002 active listings for sale on the Victoria Real Estate Board Multiple Listing Service at the end of April 2018, an increase of 13.4 per cent compared to the month of March and 18.5 per cent more than the 1,690 active listings for sale at the end of April 2017. The Multiple Listing Service® Home Price Index benchmark value for a single family home in the Victoria Core in April 2017 was $800,100, while the benchmark value for the same home in April 2018 increased by 8.3 per cent to $866,700, higher than March’s value of $859,400. The MLS® HPI benchmark value for a condominium in the Victoria Core area in April 2017 was $418,200, while the benchmark value for the same condominium in April 2018 increased by 18.4 per cent to $495,100, which is higher than March’s value of $490,000. Home Price Index
Transcript: Wowing template. Click through in 20 steps. 6) Contract to Closing So... 5) Making An Offer 30 8) After the closing Deliver earnest money Recommend & schedule inspector Monitor contingencies Schedule final walk-through Coordinate & attend closing 10-3-2015 TILA-RESPA Integrated Disclosure (TRID) rule. Merge the HUD-1 Settlement Statement, the Good Faith Estimate, and the Truth-in-Lending disclosure form into two new closing forms: a Loan Estimate (LE) and a Closing Disclosure (CD). Consumers must be supplied the LE three days after they apply for a loan, while the CD is due to the consumer three days before closing. 4) Finding Your Home TOPICS What is an EBA and NAEBA? Do you want representation? What is a Brokerage Agreement? 3. Creating A Wish List (cc) image by nuonsolarteam on Flickr Comparables Report Contingencies Earnest Money Disclosure Statements Negotiate Counteroffer An Example: The Buying Process Wowing template. Click through in 20 steps. Lets you know what you can afford Gives you a head start on getting an actual loan commitment To let the seller know that you are a legitimate buyer 30 Here is something small... Here is something small... Don't be a stranger Follow me on Facebook, Twitter, LinkedIn! Ask me about my 5 star partners. Do you need an insurance agent, home repair, home security system, pest control... Closing Disclosure Closing costs wired Title insurance An Example: 1) Choosing An Agent 1) Choosing An Agent 2) Getting Pre-Approved For A Mortgage 3) Creating A Wish List 4) Finding Your Home 5) Making An Offer 6) Contract To Closing 7) Closing 8) After The Closing Location Type of home Features such as #bedrooms, basement, #baths So... 7) Closing View Properties -Set appointments -Give tour of selected homes -New construction 2) Getting Pre-Approval For A Mortgage
Transcript: Discount Brokerages & For-Sale-By-Owner Why Keller Williams? Presented by Andrew Green Keller Williams Elite Realty 604-379-1747 Thank-You! Let's discuss: - Describe what your ideal home would look like. - Size, location, age, features, bylaws etc. - Met with a lender? What's your price point? - Best way to contact you? - What is your time frame? - What is your availability to view homes? The Subject Period Teamwork Keller Williams was designed to reward agents for working together. Based on the belief that we are all more successful if we strive toward a common goal rather than our individual interests. I am confident that every Keller Williams professional shares the common goal of serving you, my client, the best way possible. I am a firm believer that you never stop learning. Keller Williams puts a very large focus on education as new technology is always under development and new innovations make their way into the Real Estate industry. Being able to utilize these technologies to better serve my clients is the end goal and it continues to give me an edge up on the competition. Business Built Around You I know that there are many Realtors out there and that most people know at least a few they could work with, and it's important to me that you know I understand this well and strive to out-perform the competition. I take a pressure-free, service-oriented approach to real estate. I believe in honesty and integrity and work with your best interests at heart at all times. If at any point during our working relationship we encounter a problem - I will fix it. My Approach - My Approach to Real Estate; revolves around you. - What Costs to Expect; mortgage, deposit, and closing costs. - The Offer Process; preparation, presentation & response. - The Subject Period; exploratory period. - Why Keller Williams; advantages that work for you. Buying a Home. Buying a Home What to Expect The Offer Process Whether it's a mortgage specialist, a home inspector or an insurance agent, I have a long list of professionals available to you when you're in need of services. Don't throw a dart at the board, work with a trusted individual who has proven their services in the past, and will get the job done well the first time. Technology & Education Professional Services Some Realtors are hesitant to work with a discount brokerage or FSBO because they offer a lower commission, and yet if we exclude these listings you could be missing out on the perfect home. Keller Williams is happy to work with these Sellers because at the end of the day it's about putting your needs first; and because many agents avoid these listings, we have a distinct advantage when negotiating with them. - A lawyer/notary to convey the title ($1000.00) - An inspection of the home ($500.00) - Property Transfer Tax (1% first $200,000 & 2% balance) - Pro-rated amount of property tax. - Sales Tax (New Construction) (7% of Purchase Price) - House/Contents insurance. - Cleaning costs ($25/hr) - Move-in Condo fee ($100.00 to $300.00) Your Bank will not lend you the money required for these closings costs. The Subject Period is the exploratory period during which the Buyer has the home inspected, receives confirmation from the lender, reviews strata documentation, etc. Once you're satisfied with the findings, you will prepare a Bank Draft for the deposit, and we will remove subjects from the contract making it a firm deal. All documentation will be sent to your Lawyer or Notary and they will contact you for final signatures. Costs From the various costs to expect when buying a home, to professional services you will require along the way - it's important for you to understand the process and avoid any unwanted surprises. - Technology & Education-Based Approach. - Willingness to work with Discount Brokerages. - Willingness to work with For-Sale-By-Owner. - Teamwork. I treat my career as a business, and by doing so it's imperative to the success of my future that each and every client I have the opportunity of working with is highly satisfied with the services they've received. Because at the end of the day the Real Estate industry is fueled by referrals and I know that I have to earn those referrals by providing exceptional service. Once we are ready to write an offer we will discuss the terms of the offer including the purchase price, the move-in date, and any additional property. I will present the offer to the Seller's agent and we will await a response. They can accept, reject, or the most common response is to counter-offer with their terms and price. Once we have found common ground, we can move to the subject period of the process.
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