THE BUYER’S ROAD MAP 1 3 5 7 2 4 6 8 Get Pre-Approved Make An Offer Meet With A Real Estate Professional 3 Search For Homes 5 Negotiation And Contract 7 Final Details 2 Get Pre-Approved 4 Make An Offer 6 Under Contract/In Escrow 8 Closing Day

Initial Interview Why buy and why now? Are they working with a lender? How many houses have they already looked at? How do they prefer to be contacted? What if we found the perfect house tomorrow? What are their 3 favorite neighborhoods? What is their favorite room in the house? How important is outdoor space? How long do they think they’ll own the home? What is a must have? Initial Interview

ARE YOU READY TO BUY? Steady income Low to medium debt Cash for down payment/closing Two months of pay stubs and bank statements Two years with same company or in same industry

GETTING PRE-APPROVED Choosing a lender Filling out loan application Approval document Paystubs, bank statements, tax returns, proof of employment, 580+ credit score

YOUR HOME SEARCH Understanding what you’re looking for is a top priority. Let’s talk about the features of your future home. Location Baths Price Style Square footage Features Bedrooms Schools

SEARCH TOOLS CLIENT SEARCH HIGH-TECH TOOLS AGENT SEARCH BLC Website Agent network My website New Construction Website Yard signs, open houses, model homes, friends, FSBO Automated home search system

MAKING AN OFFER Falling in love with a home Seller wants Earnest money Down payment/financed amount Important dates Inclusions in home Offer will be accepted, counter-offered, or declined

WHEN YOUR OFFER IS ACCEPTED Give earnest money to Listing Brokerage Schedule Inspection and repairs Follow up on Appraisal Confirm Home insurance & HOA Info Confirm mortgage details Conduct Final walkthrough

CLOSING COST BREAKDOWN These are the items that will be included in your closing cost: Property appraisal Document preparation fees Home inspection Escrow taxes and insurance Processing fee Underwriting fee Prepaid interest Lender fee Credit report Loan discount fee Transfer taxes Recording fee Attorney/notary fee Settlement officer fee Title insurance

Closing Day Remind all parties: This is the big day! We will attend the closing, answer any questions, and verify that the closing paperwork matches the purchase contract. Remind all parties: To bring identification Everyone who is purchasing the property must be present. If this is not possible, we need to make arrangements for a remote closing. They need to bring a certified check or wire the amount shown on the Closing Disclosure.