1. Choose your representation 2. Get pre-approved / Establish financial plan 3. Home search 4. Assemble bid 5. Get through escrow 6. I hand you the keys!

I EMPOWER you. - Your Proactive, Trusted Real Estate Advisor - Guide you through the process and prepare you to beat the competition, win the bid, and close the transaction - Help you ask the right questions, provide all necessary data and information - So that you will be fully confident in the decisions you make - Always working for your 5-star review - OPEN COMMUNICATION

“You wouldn’t go out for dinner without your wallet or purse; you shouldn’t go home shopping without a pre-approval.” - Closing costs: 1% to 3% of purchase price - Interest rate vs. escrow competency

- Determine your preferences: location, top criteria, and deal breakers - I send you automatic email updates - You search online (Zillow, Trulia, etc.) - We visit properties together

1. Price 2. Financing plan 3. Days escrow close 4. Contingency – inspection 5. Contingency – appraisal 6. Contingency – loan 7. My negotiating strategy

“The easy part is winning the bid, the hard part is getting through escrow.” Things NOT to do during escrow: 1. Do not change jobs or become self-employed. 2. Do not buy a vehicle. 3. Do not “overuse” your credit card or let your payments fall behind. 4. Do not spend the money you have saved for your down payment. 5. Do not change the source of closing funds. 6. Do not originate any new inquiries on your credit report. 7. Do not change banks. 8. Do not make any large deposits into your bank account. 9. Do not buy furniture before you buy your house. 10. Do not pay off any credit cards.

- DON’T try to time the market. - Experience shows that successful buyers purchase homes that meet 6 out of their 10 criteria. - Communication: Let's try using the phone. - The easy part is winning the bid, the hard part is getting through escrow - Be mentally prepared!!