2. Buy vs. Rent Comparison* The chart below shows a cost comparison for a renter and a homeowner over a seven year period. The renter starts out paying $800 per month with annual increases of 5% The homeowner purchases a home for $110,000 and pays a monthly mortgage of $1,000 After 6 years, the homeowner's payment is lower than the renter's monthly payment With the tax savings of homeownership, the homeowner's payment is less than the rental payment after 3 years *Ginnie Mae Website, 2008 YearsRent Payment Mortgage Payment Monthly Difference After Tax Savings Yearly Difference After Tax Savings 18001000-200-50-2400-600 28401000-160-10-1920-120 38821000-118+32-1416+384 49261000-74+76-888+912 59721000-28+122-336+1464 610211000+21+171+252+2052 710721000+72+222+864+2664 8 - 30Savings increase every year

3. As Home-Buying Experts, We Will Assist You with: 1. Finding a home that meets your needs 2. Negotiating the lowest price for you 3. Obtaining the best financing for you 4. A home-buying process that is low- hassle and fun

4. Our Home Buyers Advantage Program won’t cost you a cent.

5. Other Agents do what works best for them and not you. Do most other Agents work for you?

6. They choose the houses you see instead of letting you pick the ones you want to see. Do most other Agents work for you?

7. Show you only their listings or a small number of homes, hoping you buy right away. Do most other Agents work for you?

8. Try to get you to buy a house either too quickly or that doesn’t meet your needs. Do most other Agents work for you?

9. Ask you to make an offer on every house you see. Do most other Agents work for you?

10. Get frustrated because you don’t like the homes they are selecting. Do most other Agents work for you?

11. Beg you to buy a house since they “worked” so hard for you. Do most other Agents work for you?

12. Conversely, Our Home Buyers Advantage Program… Focuses on Your Needs!

13. First Step: Determine what amount you are comfortable with for buying your home. (Home Loan Pre-Approval)

14. Second Step: Update you with a regular list of homes that meet only your criteria. (our Specialized Home Tracking Program)

15. Third Step: Find you the home you want and need using our Experience and Expertise. Highly-Focused Knowledge and Experience

16. You benefit from our Home Buyers Advantage Program many ways.

17. First Step:

18. How much house can you comfortably afford?

19. Home Loan Pre-Approval 3 Major Advantages

20. Three Key Advantages… 3. You can make a stronger offer 2.You get financing that works for you 1.You know what you can comfortably afford

21. Offer #1 (You with a pre-approved Home Loan) Offer #1 (You with a pre-approved Home Loan)  $ 175,000  Cash Offer  No Conditions  Conditional Upon Financing  Conditional Upon Financing Offer #2 (Another buyer who is NOT pre-approved) Offer #2 (Another buyer who is NOT pre-approved) Put your best foot forward

22. Which Offer Would You Accept?

23. Getting Pre-Approved is as Easy as 1-2-3

24. North Pointe Mortgage 1.Because they are a mortgage broker – they can find the best loan that meets your needs 2.Because we have an interest in the company we can get you a better rate and terms 3.Less hassle. Most mortgage companies are very difficult to deal with. Since they are right here with us, we can ensure a smooth closing!

25. You’re Approved!

27. How do Most Buyers Look for a Home? Newspaper Ads Internet Driving Around

28. You’re Missing out On the Best Deals! Only 20% of all homes for sale are advertised in print The best deals sell long before they reach the internet That’s why you drive by and see sold signs and never even knew it was for sale.

29. What are Your Criteria for Buying a Home?

30. M ultiple L istings S ervice

31. The MLS has information on over 1,050 homes for sale by ALL companies

32. How Most Realtors Find Houses for you: 1.They make a random search through the MLS 2.They pick the homes they want you to see 3.They try to sell you one of them 1.They make a random search through the MLS 2.They pick the homes they want you to see 3.They try to sell you one of them

33. Do you want someone other than you selecting the home you’re going to buy?

34. The Solution Our One-of-a-kind Buyers Advantage Program gives buyers priority access to hot new listings that match your home buying criteria.

35. M ultiple L istings S ervice You can search the MLS… Just like Realtors do!

36. …YOU’RE in Control 1.Your home buying criteria is entered into our custom computer database 2. Every day, our custom computer searches the MLS to find homes that match only your specific criteria 1.Your home buying criteria is entered into our custom computer database 2. Every day, our custom computer searches the MLS to find homes that match only your specific criteria

37. …YOU’RE in Control 3.We only send you the homes that match your criteria 4.You can pick the homes you like and drive by them 3.We only send you the homes that match your criteria 4.You can pick the homes you like and drive by them

38. …YOU’RE in Control 5.When you see a home you want to look at give us a call, we’ll arrange a showing 6. NO pressure to buy 5.When you see a home you want to look at give us a call, we’ll arrange a showing 6. NO pressure to buy

39. YOU’RE in Control which means… You get real-time delivery of hot, new listings  You get to see houses before other buyers and Real Estate agents

40. YOU’RE in Control which means… You pick the homes only you want to see with no pressure from us  You ultimately determine if you like the home in a low-hassle environment

41. YOU’RE in Control which means… You see homes before other buyers and agents get to see them  You are in a better position to negotiate the best price for you

43. Desperate Seller System How to Buy a Home Up to 30% Below Market Value! You get special access to Exclusive lists of properties offering incredible value

44. Desperate Seller System Focus on REO/Bank owned Homes Homes bought back by bank at auction Re-sold through agents on MLS Usually available at deep discounts

45. Desperate Seller System Distressed Sellers with Long Days on Market Homes that have been listed with multiple agents Homes listed longer than 180 days Homes with multiple or large price reductions

46. Desperate Seller System Vacant Homes where Sellers are making double payments Seller is making two mortgage payments Seller may be an absentee seller Usually will be more open to negotiating

47. Even more benefits to save you Money Seller-paid closing costs Home Warranty Down Payment Assistance Program

48. When you find the home you want we will 1.Prepare an offer that is written in your favor 2.Present the offer to the seller’s real estate agent 3.Negotiate all terms, conditions and specifics to your benefit 1.Prepare an offer that is written in your favor 2.Present the offer to the seller’s real estate agent 3.Negotiate all terms, conditions and specifics to your benefit

49. Again, none of these Valuable Services Costs You a Cent.

50. The only thing we seek is your allegiance to us.

51. What to do when you see a home that you like when you’re on your own

52. What to Say and Do When you Come Across Homes on your Own 1. If you see a home you like in the paper or while driving by, feel free to call for information, but always tell the Realtor that you’re working with us (this will prevent you from being hounded by other Realtors with questions and sales pitches)

53. What to Say and Do When you Come Across Homes on your Own 2.Get the price and (if available) MLS number and we’ll send you complete information 3.If you see a house you want to look at, always call US for appointments 2.Get the price and (if available) MLS number and we’ll send you complete information 3.If you see a house you want to look at, always call US for appointments

54. The Next Step… SOLD!