1. Navigating your entitlement to buy and/or sell a residence under Permanent Change of Station orders

2. As General Service or Wage Mariner employees you have two options: Sell your Home on your Own Check “NO” on Question 23 of the CD-150 Sell your Home thru NOAA’s Third Party Contractor: Prudential Relocation Check “YES” on Question 23 of the CD-150 5/16/2015 2

3. Get a Real Estate Agent Insure Your Settlement Date is Within Two Years of Reporting to Newport Go to Closing Determine What you Can Claim Complete a CD-370 and CD-371 Submit Both Forms with your Final HUD Settlement Statement & Applicable Receipts to Your Approving Official Insure Your Approving Official Submits Your Voucher to the Western Operations Branch for Payment 5/16/2015 3

4. 4 Brokerage Fees Advertising Legal and Related Costs Prepayment Charge Lender’s Appraisal Fee Loan Origination Fee FHA or VA Application Fee Mortgage Pre-Payment Penalty Certifications Credit Report Mortgage Title Policy Escrow Agent’s Fee State Revenue Stamps Mortgage & Transfer Taxes Owners Title Insurance Policy Property Inspection Fees when required by lender Other reasonable and customary fees

5. 5/16/2015 5 Mortgage Insurance Interest on Loans; Points; and Mortgage or Loan Discounts Property Taxes Operating or Maintenance Costs (Including Repairs to the Property) Homeowner Association Fees Loan Commitment Underwriting Fee New Loan Tie-In Fee Loan Closing or Processing Fee VA Funding Fee Messenger Service Fees, Express Mailing Fees, or Wire Transfer Fees Escrow Contract Collection Fee

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7. Select “YES” on Question 23 of the CD-150 Once Your Orders are Received by the WOB you Will be Entered into the Buyer Value Option (BVO) Program Someone from Prudential will Contact you Within 24 hours Choose a Real Estate Agent from Prudential’s Network ~ or ~ Find Your Own Real Estate Agent 5/16/2015 7

8. No Need to File Paperwork Through Your Approving Official Prudential invoices NOAA Directly Receipt of Prudential’s Guarantee of the Sale Prior to Closing You are not at risk if the closing falls through (Prudential will have to find a replacement buyer) Access to Objective Advise on Marketing, Selecting a Real Estate Agency, Setting the Listing Price, Oversight of Marketing Activities, and Negotiation Assistance 5/16/2015 8

9. Prudential Goes to Closing and Pays Commissions Advance Receipt of 95% of Your Home’s Equity once the Contract is Executed Receipt of 100% of the Equity Once you Vacate Elimination of your Responsibility for Mortgage Payments, Utilities, and Maintenance once the Contract is Executed and Home is Vacated There is no Tax Liability to you Prudential will work with your Real Estate Agent to get your Home Sold 5/16/2015 9

10. On the 31st Day of your Listing Agreement Prudential Sends you a List of Appraisers Pick Two Appraisers to Perform an Appraisal Continue to Market the Home After 90 Days Prudential will Make you an Offer for your Home Based on an Average of the Two Appraisals You Have 60 Days to Accept or Refuse Prudential’s Offer if an Outside Buyer is Still not Found 5/16/2015 10

11. 5/16/2015 11 Mortgage Insurance Interest on Loans; Points; and Mortgage or Loan Discounts Property Taxes Operating or Maintenance Costs (Including Repairs to the Property) Homeowner Association Fees Loan Commitment Underwriting Fee New Loan Tie-In Fee Loan Closing or Processing Fee VA Funding Fee Messenger Service Fees, Express Mailing Fees, or Wire Transfer Fees Escrow Contract Collection Fee

12. As Non-Commissioned Officers you have two options: Buy your New Home on your Own Check “NO” on Question 23 of the CD-150 Buy your New Home thru NOAA’s Third Party Contractor: Prudential Relocation Check “YES” on Question 23 of the CD-150 5/16/2015 12

13. Get a Real Estate Agent Apply for a Loan (Get a Broker) Insure Your Settlement Date is Within Two Years of Reporting to Newport Go to Closing Determine What you Can Claim Complete a CD-370 and CD-371 Submit Both Forms with your Final HUD Settlement Statement & Applicable Receipts to your Approving Official Insure your Approving Official Submits your Voucher to the Western Operations Branch for Payment 5/16/2015 13

14. 5/16/2015 14 Appraisal Fees Legal and Related Costs Lender’s Appraisal Fee Loan Origination Fee FHA or VA Application Fee Inspection expenses when required by lender Attorney’s Fees when reasonable and customary Credit Report Mortgage Title Policy Escrow Agent’s Fee State Revenue Stamps Mortgage and Transfer Taxes Mortgage Title Insurance Policy Construction Expenses Certifications

15. Receipt of Mortgage Counseling and Mortgage Approval, if Requested, within 48 Hours of Contact Receipt of Reimbursable Closing Costs from Prudential at Closing No Need to File any Paperwork through your Approving Official Early Access to Demographic Information on every Town, School, and Neighborhood in the Newport Area 5/16/2015 15

16. Select “YES” on Question 23 of the CD-150 Once Your Orders are Received by the WOB you will be Authorized for Direct Bill Someone from Prudential will Contact you Within 24 hours Choose a Real Estate Agent and/or Broker from Prudential’s Network ~ or ~ Find Your Own Real Estate Agent and/or Broker 5/16/2015 16

17. 5/16/2015 17 Appraisal Fees Legal and Related Costs Lender’s Appraisal Fee Loan Origination Fee FHA or VA Application Fee Inspection expenses when required by lender Attorney’s Fees when reasonable and customary Credit Report Mortgage Title Policy Escrow Agent’s Fee State Revenue Stamps Mortgage and Transfer Taxes Mortgage Title Insurance Policy Construction Expenses Certifications