INFORMED BUYERS GUIDE
ALL ABOUT PROSPERITY PROPERTIES GROUP PPG is a full-service real estate agency based in Colorado Springs, Denver and surrounding area. Home ownership is our true passion and we thrive on helping our customers every step of the way to achieve their goals and acquire their dream property. WHY CHOOSE US AT PPG? We know that you’re likely to have already contacted or been referred to a multitude of realtors. So you are probably asking yourself “What can PPG do for me that’s different?” First and foremost, we can offer you an all-inclusive real estate resource. We will be your one-stop shop for everything you need, whether you’re interested in the traditional residential sales, or looking for a commercial transaction or even an investment. We have a strong background in military housing transactions, and our capable team consists of certified specialists, accredited buyer’s representatives, real estate negotiation experts, military relocation specialists. No question is too small or insignificant for them to address and no challenge is ever too big that they cannot handle. Just as an example of the many services we can cover and to which our competencies extend, we offer military rebates to active duty, reserve, guard members and veterans, we also work with reliable local lenders who specialize in VA Loans. Army families are faced with so many challenges in serving our country that very often it is hard to make a place your home with the constant relocation and change that is part of the ‘job description’. We know what you need, we’ve been there and we’ll make sure to help you every step of the way in every way we possibly can! “We don’t close transactions, We find you the home you deserve!” Our story So how did we start PPG? We actually competed with each other before we met, not as realtors but in a kickball game. True story, even though we are both eXP Realty brokers with similar backgrounds in real estate and military relocations, it took a bit of running around for us to come together as a team. We are both very driven and goal oriented, yet different in ways that we complement each other perfectly as business partners. Tess is the balanced, organized analytical partner whereas Andre is the ‘just do it’ more action oriented of the two. One thing we both share in is the relentless passion for helping our clients and their families accomplish the ultimate goal of home ownership. We are both excellent communicators and skilled in ensuring the end-to-end process is as smooth as possible for every customer we come in contact with. We work as a team and always make it clear to our customers that we are approachable, available without exception and ready to assist them in the big as well in the small things. The vision that drives us is to create a team and to establish a culture with a supportive, positive, motivated, and prosperous vibe. That’s where the Prosperity Property name came from. We strive to create an environment of growth and continuous learning and development for our agents, so they can build their knowledge and hone their skills in order to progress and support each other and our clients on a daily basis. We are lucky that we have built a very close and authentic relationship as a team and we feel like one big family. The way we have intentionally selected our team of agents helps us ensure that we can maintain and build on this culture.
MEET ANDREW VOSE C O L O R A D O L I C E N S E D R E A L E S TAT E A G E N T OW N E R - P P G B R O K E R E D BY E X P
I am a team Lead and Associate Broker at eXp Realty, former DOD Contractor, Entrepreneur, former Acquisitions Editor at a medium size publishing company, International Speaker, Real Estate Investor, and Former US Army Staff Sergeant. I am currently based in Colorado Springs where I live with my 4-year-daughter but originally I am from upstate New York, where my mother still lives now. My 10 Years of US Military service has inspired me to become a Military Relocation Specialist. In my early days as an entrepreneur I was very fortunate to build a profitable travel business which afforded me a measure of passive income and also significant time freedom. Other services offered by Andrew: Mentorship, Real Estate Partnerships, Motivational Speaking, and Team Building in Real Estate Brokerages.
MEET TESS GASCON C O L O R A D O L I C E N S E D R E A L E S TAT E A G E N T TEAM LEADER - PPG BROKERED BY EXP M E M B E R O F P I K E S A S S O C I AT I O N O F R E A LT O R S M E M B E R O F P I K E S P E A K M L S & R ECO LO RA D O M L S
I take real pride in being an all-inclusive real estate asset for all my valued clients. As a licensed Colorado Real Estate Agent and Team Leader at PPG (brokered by eXP) I can handle everything from traditional residential sales to commercial and investment transactions and anything in between. My energy and charisma are just as important to me as my diverse experience and professional capabilities as a real estate agent. My knowledge and experience are something I’m very willing to share with my customers so if you are a buyer in need of information about purchasing or the buying process you can come for a free consultation. Same goes for sellers who are looking for free comparative market analysis of homes and properties. Just like Andrew, I am also a certified military housing specialist and offer military rebates to active duty, reserve, guard members, and veterans.
MEET ANGELO MARI C O L O R A D O L I C E N S E D R E A L E S TAT E A G E N T PROPSERITY PROPERTIES GROUP BROKERED BY EXP
MEET CONNOR SMITH C O L O R A D O L I C E N S E D R E A L E S TAT E A G E N T PROPSERITY PROPERTIES GROUP BROKERED BY EXP
MEET SOPHIE POPPELE C O L O R A D O L I C E N S E D R E A L E S TAT E A G E N T PROPSERITY PROPERTIES GROUP BROKERED BY EXP
MEET JILLIAN NELSON C O L O R A D O L I C E N S E D R E A L E S TAT E A G E N T PROPSERITY PROPERTIES GROUP BROKERED BY EXP
MEET JACKIE PARR C O L O R A D O L I C E N S E D R E A L E S TAT E A G E N T PROPSERITY PROPERTIES GROUP BROKERED BY EXP
MEET DAVID CROUCH C O L O R A D O L I C E N S E D R E A L E S TAT E A G E N T PROPSERITY PROPERTIES GROUP BROKERED BY EXP
MEET DANIEL JONES C O L O R A D O L I C E N S E D R E A L E S TAT E A G E N T PROPSERITY PROPERTIES GROUP BROKERED BY EXP
MEET KAYLAN MITCHELL C O L O R A D O L I C E N S E D R E A L E S TAT E A G E N T PROPSERITY PROPERTIES GROUP BROKERED BY EXP
4
BUYING INFORMATION 1. MAKING THE RIGHT CHOICE It is very important to evaluate yourself and your situation to help ensure that buying a home is the right decision for you. We believe in full disclosure and the importance of planning. Some questions you should ask yourself: What reasons are prompting you to move and what is your preferred timeline? Have you been through the pre-approval process? What amount are you approved for? When we find the right home for you, are you prepared to make an offer? 2. YOUR LIFESTYLE Deciding on what type of home you want to live in is just as important as deciding on where you want to live. For some, location is everything. For others, home details are everything. It is important that you decide what is most important for you and what type of lifestyle you truly desire. 3. LOCATION, LOCATION, LOCATION. Another important decision during the buying process is proximity to important things such as schools, work, grocery stores, and amenities such as shopping centers, restaurants, parks and recreation centers. These things define your lifestyle choice and are not only necessary, but convenient. 4. WHEN SHOULD I SELL? You should immediately establish your time frame for selling. Obviously, serious sellers would like to sell as quickly as possible and for the most amount possible, however, it is good to know what the most effective plan of action is before listing your home. If you need to sell quickly, we can speed up the process by giving you a complete market analysis and action plan to obtain all of your goals. If there is no pressing need to sell immediately, you can sit down with us to thoroughly review the current market conditions and find the most favorable time to for you to sell.
TESTIMONIAL 6
BOUGHT A SINGLE FAMILY HOME IN 2020 IN COLORADO SPRINGS, CO. “Andrew is a knowledgeable and friendly agent. He’s especially great if you are in a competitive situation for a house as we were, if found out was important to the people selling the property so that we were able to get our dream house. He was amazing to work with and made the process of buying a house across the country as stress less as it could be.”
MORTGAGE INFO GETTING STARTED You’ve decided you want to buy a home. Now what? The first – and most important step to the home buying process is financing. You can’t do anything until you know how much you can afford. To get started, you need to understand what lenders are looking for from a borrower. There are three main factors that help determine if you qualify for home financing: income, assets, and credit history. DIFFERENT TYPES OF MORTGAGES: Getting a mortgage is one thing. Getting a mortgage that best suits your situation is another. Some mortgages have less strings attached but have more strict stipulations, while others may be harder to get, but have more flexibility. It is important to have all the information about mortgages available to you before you decide to move forward in the purchase of a home. Find out how we at the Prosperity Property Group, Brokered by exp Realty can help you find the mortgage that best suits you. INCOME & ASSETS Most loan programs require the lender to verify all of your income sources. Typically you will need to provide pay stubs, your W-2 and copies of your tax returns. Lenders will also want to go through your assets and how much of a down payment you will have when determining your loan approval. CREDIT HISTORY All lenders review a borrower’s credit history to determine the type of credit used, the amount owed, and the borrower’s repayment history.
8
TRUSTED ADVICE
1 2 3 4 5
ARE YOU DEALING WITH AN EXPERT? Did you know that the average agent sells or helps their client buy only 8 homes per year? Did you know that 45% of real estate agents spend less than $500 per year on training and professional development. These are the facts, so how do you know if your agent is an expert when it comes to helping you buy a home? WE ARE COMMITTED We are committed to finding a home that fits your criteria, from budget, to location to style. We are dedicated to making sure you are paired with a home that works for you and/or your family. Not all available homes for sale may meet every one of your expectations, but we ensure that we will find a home that best suits you and your needs. WINDOW OF OPPORTUNITY Sellers often make the mistake of wanting to price their homes high at the start, with the assumption that they can always reduce the price to a more realistic level later on. However, interest peaks when your home is fresh to the market and often declines as time goes on. YOUR WISH LIST Many agents have trouble keeping up with your wish list and many times end up cutting corners when searching for a home that fits your criteria. There is definitely some compromises that sometimes have to be made, but it is my duty to find the ideal home in the ideal neighborhood for an ideal price. Now doesn’t seem ideal? STICK TO THE SCHEDULE Now that you have made an offer, you and the seller will be given a timeline to mark every stage in the process of closing the real estate contract. Meeting the requirements on time ensures a smoother flow of negotiations and also ensures that each party involved is not in breach of their agreements. During the process we will keep you constantly updated so you will always be prepared for the next step.
TESTIMONIAL 10
BOUGHT A SINGLE FAMILY HOME IN 2020 IN THORNTON, CO. “We just bought a house here in Thornton, Colorado. Andrew Vose and his team went above and beyond as our representatives. We will definitely recommend Andrew and PPG to everyone we come in contact with. Andrew was punctual, attentive, and positive. If you are looking for a realtor and team that means business and can get the job done we strongly recommend PPG.”
MOVING CHECKLIST It is important that you use this checklist in order to be well-prepared when buying a home. The last thing you would want to happen is to move into a home without the necessities in life such as electricity, gas, water, or work/school related services such as Internet/phone, etc. Be sure everything is in order to keep things running smoothly during the buying process. If you need assistance, we are always here to lend a helping hand. It`s what we do!
UTILITY PROVIDERS • Electricity Providers • Telephone Providers • Cable & Internet Providers • Gas Providers
CLUBS & MISCELLANEOUS • Country Club • Health & Fitness Club • Recreation Club • Book Club
GOVERNMENT INSTITUTIONS • IRS • Post Office • Schools • State Licensing • Library
BUSINESS ACCOUNTS • Banking Institutions • Cell Phone Providers • Department Stores • Financial Companies • Credit Card Companies
INSURANCE COMPANIES • Accidental Insurance • Auto Insurance • Health Insurance • Benefits Provider • Home Insurance • Life Insurance
PROFESSIONAL SERVICES • Broker • Accountant • Doctor • Dentist
12
ONLINE EXPOSURE We use the Internet and all online tools to help find your next home. With most buyers checking the web, getting online is the most effective and efficient way to search for homes. Our web presence and online network will help us find a home that best suits you! Most people search for a home using three main search engines. We make sure to give you the widest possible access on these platforms.
BUYER SEARCH ONLINE! More than half of all homebuyers search online first when looking to purchase a home. It is vitally important that you are able to view the full range of potential homes to find the one that’s right for you. TOURING HOMES IN PERSON AND ONLINE Some people look at several homes before finding just the right one. And others find “the one” immediately. Thanks to the Internet, you can streamline your search process significantly by checking out homes for sale online. You can visit open houses and preview everything that’s for sale in your market.
13
TESTIMONIAL 14
BOUGHT A SINGLE FAMILY HOME IN 2020 IN WESTMINSTER, CO. “Andrew of Prosperity Properties is a no-nonsense person who is straight forward and honest. This was my first house buying experience and no question was a dumb question. Andrew always had a descriptive answer and made sure you understood each process.”
BUYERS PREPARATION You’re ready to buy - or maybe you’re just ready to start seriously thinking about buying. There’s a lot you can do to prepare. With so much information available at your fingertips, you may already be doing a lot of your own research. Here are a few things to keep in mind while you get started. DETERMINE YOUR PRICE RANGE The best place to start when buying a home is to find out how much house you can afford. An experienced agent can refer you to a mortgage broker who can assist you with determining how much of a down payment you can afford, comfortable monthly payment, and the type of loan that fits your needs best. Serious buyers who are highly motivated should go through the effort of getting pre-approved; not only will this allow you to focus your home search, but it will also position you as a serious buyer in the eyes of sellers when the time comes to make an offer. MAKE A LIST AND PRIORITIZE Imagine your ideal home and location. Now make a list of everything you envisioned, take that list and break it down from high to low priority. High-priority items are the things you cannot live without in your new home. (Large Bedrooms, Large Closets, High-end appliances, proximity to amenities and schools, etc.). Lower-priority items are those that are an added bonus, but not necessary. (Jetted-tub, landscaped yard).
16
HOME INSPECTIONS THE PRICE IS NOT ALWAYS RIGHT It is a good idea to make sure what you think you are buying is indeed the property you are buying. It is so important to feel comfortable with your purchase during the home buying experience. Feeling comfortable starts with financing, but then leads into feeling confident that your purchase is sound. Having a professional home inspector is the way to gain peace of mind. A proper inspection will cover all areas of the house both structurally and mechanically and give you an objective view of the property. A qualified home inspector will also provide you with a written report indicating areas of concern and the estimated cost of repairs. HERE ARE A FEW HOME INSPECTION TIPS: Ensure the home inspector checks for visible issues with plumbing, electrical systems, roof, insulation, walls, ceilings, floors and windows, and the condition of the foundation. Ensure your home inspector gives you a close and personal look at your new home. It takes about three hours to go through all the systems, and if there are any problems, you will see them with your own eyes. They will also give you maintenance tips and easy fix-ups, if necessary. Ensure that in the end, you receive a detailed report that summarizes the condition of your home. The method most often used in evaluating single family homes is the Comparable Method. A property is worth what the buyer is willing to pay for it and this is determined by the basic laws of supply and demand. These two factors are evaluated by comparing the home with similar homes that have sold within the market area, with appropriate consideration given to location, amenities lot size, condition, and financing terms.
719.357.9340 p ro s p e ri t ygro up 3 @gmail.co m www.p pg.realestate