Keller Williams | For Buyers | Angie Willis

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FOR BUYERS



YOUR GUIDE TO BUYING YOUR HOME IT’S ALL ABOUT YOU My real estate business has been built around one guiding principle: IT’S ALL ABOUT YOU.

Your needs Your dreams Your concerns Your questions Your finances Your time Your life

My focus is on your complete satisfaction. In fact, I work to get the job done so well, you will want to tell your friends and associates about it. Maybe that’s why more than 50 percent of my business comes from repeat customers and referrals. Good service speaks for itself. I’m looking forward to the opportunity to earn your referrals too!



MEET YOUR KELLER WILLIAMS AGENT Angie Willis 3 0 3 . 8 1 0 . 4 3 7 3 | A N G I E @ S I M P LY C O L O R A D O R E . C O M S I M P LY C O L O R A D O R E . C O M



A N G I E W I L L I S H A S O V E R 2 5 Y E A R S E X P E R I E N C E A S A L I C E N S E D R E A L E S TAT E B R O K E R W O R K I N G F O R P R E S T I G I O U S R E A L E S TAT E C O M PA N I E S I N T H E D E N V E R M E T R O P O L I T A N A R E A A N D F O O T H I L L S . S H E C U R R E N T LY R E S I D E S I N B A I L E Y W I T H H E R F A M I LY A N D I S T H E C O - O P E R A T O R O F T H E V I L L A G E PAT I S S E R I E B A K E R Y I N C O N I F E R .

Angie has spent her entire career working for prestigious real estate companies in the including Perry & Co., Fuller Sotheby’s International Realty (formerly Fuller Towne & Country Properties) and Kentwood Real Estate as a licensed personal assistant, project manager, marketing/advertising manager, company administrator, staff manager, operations director and real estate broker. With a broad knowledge of office operations, real estate sales and systems and technology applications, she has the ability to offer a wide variety of assistance in residential real estate. She has been involved in many facets of real estate marketing and business development from office management and operations to real estate sales and systems and technology applications and has been instrumental in developing, creating, designing, and implementing extensive print and electronic marketing and advertising programs for companies, individuals and properties. Atypical to the traditional real estate marketing industry, she uses her unique gifts and intuition to decipher the best strategy for the needs of her clients while capitalizing on the strengths and uniqueness of the properties to create a suitable blueprint that will best fit the design style and target market. She was licensed as a real estate agent in 1991 and obtained her Employing Broker real estate license in 1999 in order to further her knowledge and abilities.

AFFILIATIONS AND ACHIEVEMENTS

Recipient Denver Metro Association of Realtors® 2015 Roundtable Award.

Current Member Denver Metro Association of Realtors®.

Current Secondary Member of Mountain Metro Association of Realtors®.

Past Member South Metro Denver Board of Realtors®.

Christie’s Luxury Real Estate Specialist and Luxury Portfolio International Real Estate Specialist

Member of Denver Board of Realtors® Professional Standards Grievance Committee 2002-2012.

Moderator for Ethics and Orientation Class at the Denver Board of Realtors® 2002 - 2004.

Notary Public in the State of Colorado.

Proud supporter of these charitable organizations: Denver Dumb Friends League, Veterans of Foreign Wars, Rocky Mountain Resource Center, Intermountain Humane Society, Night Lights, Conifer Area Chamber of Commerce, Conifer High School, West Jefferson Elementary School, Marshdale Elementary School. Conifer Community Church and Mountain Backpack Program.



HOW AM I DIFFERENT THAN OTHER AGENTS? How am I different from other real estate agents? My main goal as a real estate broker is to educate my clients and the public. I believe that a real estate transaction is not only one of the most expensive financial decisions you will ever make in your life, but can also be among the most stressful. My job is to guide you through the process as efficiently and painlessly as possible. You have enough to think about with moving!

Experience I have over 25 years of experience in the real estate industry. I graduated high school and went right into real estate obtaining my license in 1991. My business experience has reached across many facets of the business from new home sales to resale properties and even specialized niches such as lakefront, golf course, luxury and mountain sales.

Technology Not only do I love where technology has taken us in the past couple of decades, I try to keep informed as much as a I can with what technological advances are available that would be useful in the marketing I provide my sellers with and tools for home searching that I provide my buyers with. In 2015 I started using Matterport 3D floor plans on all my listings which is a product that provides the most realistic “virtual” tour of a home. It is the next best thing to actually touring the home in person. Drones, professional photography and printed marketing materials are also part of my marketing package.

Expertise I have sold properties from northern Colorado to south of Larkspur and west into the Foothills as far as Park and Clear Creek Counties from $30,000 to over $4,000,000.

Communication Because I have a strong passion for what I do and believe selling or buying a home can be one of the most emotional processes you will experience, I make myself available to my clients via text, phone or e-mail. I try to make our communication as convenient as possible and geared towards my client’s preferences. I like to meet my clients in person and have verbal conversations as much as possible.

Clients for Life My goal is for 100% satisfaction with every transaction. Your referrals are the greatest compliment I can receive.

Personal I enjoy spending my “down time” with my family, reading a good book, taking advantage of exploring the beautiful state we live in and traveling as much as possible.

My Commitment to You Real Estate Made Simple. That is my promise to you.



1 0 0 % S A T I S F A C T I O N R E S U LT S ! WHEN I CLOSE A TRANSACTION FOR MY CLIENTS, THEIR REVIEW OF MY P E R F O R M A N C E S P E A K S F O R I T S E L F. W H E N A S K E D H O W T H E Y R A T E D THE SERVICES I PROVIDED, 100% OF THEM REPORTED THEY WERE VERY S AT I S F I E D .

I highly recommend Angie. She was involved the whole process and made buying from afar manageable. Russ Bahlenhorst Angie Willis sold my home in days and got full price for it! I have known her a long time and she is the most detailed and knowledgeable real estate broker I know. She is committed to serving her client’s needs goes the extra mile for them. I would heartily recommend both buyers and sellers to Angie. You will not be disappointed! Jeanne & Fred Gschwend Angie, thank you so much for all your help in our home purchase. We really appreciate your service. Kyle & Anastasia Rush It was very good working with Angie on my home purchase. She knew what my limits were and what I wanted. While searching for homes within my price range she was very committed in finding the right home for me and we discussed the pros and cons on each property we looked at. We were both delighted with the home I purchased. I will, and have, highly recommend Angie Willis as an outstanding Realtor. Donna Hite Steve had an offer on my house before it was on the market! I got my asking price! How can you possibly do better than selling your house before you market it? Thanks Steve and Angie! Jim Fuqua Angie is very knowledgeable and professional. She knows all aspects of the real estate business. She helped my wife and I in several different transactions. She had also helped a friend of ours to find a home. Larry Farmer Angie, in my opinion is a perfect realtor as she is others oriented, has a great capacuty for detail and professionalism and mostly has business integrity like you will not see most anywhere. She knows the area, the realty business, the current market and is naturally sharp and gifted for this field as well as her marketing skill-set. You wont get this information from her, and with that her greatest joy is seeing others happy. She is on task about finding the way through issues that can arise and wont rest until a goal is met- has been my experience knowing her. Tim Hall Thank you to you and Angie for everything. You both went out of your way to help us with both homes. We were so happy to have you on our team! Chelsea Mays & Jack Collins

R E A D M O R E O N M Y W E B S I T E A T W W W . S I M P LY C O L O R A D O R E . C O M


KENTWOOD

REAL

ESTATE

2015 AWARD-WINNING

Christopher Ansay 303.550.3450 KDTC

Roger Campbell 303.888.6199 KDTC

Lisa Cramer 303.717.7272 KCC

Mark Cramer 303.378.5618 KCC

Jeff Perry 303.550.1339 KDTC

Barbara Henderson 303.349.5422 KCP

Kelly Williams 303.506.2965 KCP

Mark Williams 303.883.0495 KCP

Pamela Coakley 303.547.6232 KCC

Elizabeth Sacerdoti 303.501.3337 KCC

TEAMS $15 MILLION OR MORE IN SALES VOLUME

Dee Cryer 303.887.3917 KDTC

Tom Cryer 303.638.3202 KDTC

Linda Hantman 720.298.1266 KDTC

Ann Durham 303.522.4161 KDTC

Bob Kelly 303.916.9978 KDTC

Brenden Kelly 720.480.2775 KDTC

Sean Kelly 720.352.5278 KDTC

Larry Hotz 303.877.9344 KDTC

Elizabeth Hotz 303.601.5253 KDTC

Meredith Hotz 303.359.7373 KDTC

Jason Cummings 720.409.7330 KDTC

Jesús Orozco, Jr. 303.570.8561 KCP

Doug Hutchins 303.886.3437 KDTC

Leslie Monaco 720.273.6907 KDTC

Todd Markus 303.817.0222 KDTC

Jennifer Markus 303.817.0192 KDTC

John Kirschner 720.514.1551 KDTC

Melody Rivera 303.868.3097 KCP

Mike Rivera 303.868.3020 KCP

Keri Duffy 720.308.1585 KCC

Sara Glaze 303.257.7330 KCP

Dianne Goldsmith 303.249.7415 KCP

Kevin Garrett 303.520.4040 KCP

Matt McNeill 303.949.9889 KCP

Gayle Glucksman 303.908.0455 KCC

Tiffany Glucksman-Appel 303.882.0211 KCC

Tom Gross 303.591.2116 KDTC

Paula King 303.601.2880 KCC

Matt King 303.885.6738 KCC

Al Larson 303.888.5064 KDTC

Nate Myers 720.281.4436 KDTC

Greg Margheim 303.726.9471 KDTC

Kelly Sophinos 303.359.6836 KDTC

Cathie Thompson 303.910.9111 KDTC

Angie Willis 303.810.4373 KDTC

John Zuckert 303.550.2202 KCC

Alison Zuckert 720.331.3001 KCC

Bob Lee 303.916.8979 KDTC

Nancy Lee 303.880.4357 KDTC

Stacy Neir 720.280.3004 KCP

Bobbi Lou Miller 303.638.3296 KDTC

Jennifer Dechtman 303.669.8889 KDTC

Alex Neir 720.935.4399 KCP

Jim Nussbaum 303.885.0073 KDTC

Steven Kruse 303.319.3333 KDTC

Patty Ryan Anton 303.668.0556 KCC

Greg Card 303.523.6220 KCC

Andy Lee 303.870.4179 KDTC

Britt Armstrong 303.550.1103 KDTC

Bill Turner 303.324.6775 KDTC

Nancy Morgan 303.883.4707 KCC

Julie Winger 303.946.2784 KCC

Sheila Schlifkin 303.475.3275 KDTC

Mitch Rothman 303.641.5674 KDTC

KENTWOOD DTC | 303.773.3399 | 5690 DTC BLVD. #600W | GREENWOOD VILLAGE, CO 80111 KENTWOOD CHERRY CREEK | 303.331.1400 | 215 SAINT PAUL ST. #200 | DENVER, CO 80206 KENTWOOD CITY PROPERTIES | 303.820.2489 | 1660 17TH ST. SUITE 100 | DENVER, CO 80202

Ann Kerr 303.818.8668 KDTC

Ann Lenane 303.503.8086 KCP

Jacci Geiger 303.840.7777 KCC

Allison Smookler 303.956.1516 KCP

Chrissy Smith 303.947.2043 KDTC

Angela Beldy 303.579.3676 KCP

Steve Travers 303.548.2744 KDTC

Greg Yoshida 303.875.4879 KCP

®

®


8 REASONS TO USE A REALTOR® WHEN BUYING A HOME, MAKE SURE Y O U ’ R E W O R K I N G W I T H A R E A LT O R ®

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A Realtor® has extensive information all in one place about what is “on the market.” Including homes listed by other Realtors®. You won’t waste time looking at unsuitable homes. A Realtor® helps you determine how much you can afford, how you can acquire the down payment, and what financing options may be open to you.

',' <28 .12:« 1RW HYHU\RQH OLFHQVHG WR VHOO UHDO HVWDWH LQ &RORUDGR LV D 5($/725 " REALTORS® give you the expertise you need when buying or selling a home. Look for the “R!”

:RUNLQJ ZLWK D 5($/725 LV D ZLVH FKRLFH EHFDXVH« • REALTORS® have access to special comprehensive property information, resources and research results available only to them and which will help you make the best decisions about where to live and what to buy.

• REALTORS® belong to a network of over 1,000,000 members across the country which helps me increase your chances of successfully finding the right new home or the right buyer for your current home.

• Only REALTORS® voluntarily subscribe to a Code • Through continuing education REALTORS® have of Ethics that is founded on professional service the most current marketing, business and legal and fair treatment. information along with advanced training in a variety of specialty areas, such as social media and demographic marketing, legal updates and contracts.

2WKHU WKLQJV \RX VKRXOG NQRZ DERXW 5($/7256 « • REALTORS® helped create the home mortgage interest deduction and we are now fighting to protect that important benefit of owning a home. • REALTORS® protect your rights as a homeowner at the state and national level by supporting candidates who believe in private property rights and by lobbying elected officials to protect those rights. • REALTORS® are active members of the communities in which they work, supporting local causes and working towards safe and healthy communities. w w w. C o l o r a d o R E A LTO R S . c o m

3 4 5 6 7

A Realtor® can help you find the home best suited to your needs | size, style, features, location, accessibility yo schools, transportation, shopping, etc.

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A Realtor® can familiarize you with the transaction procedures by explaining them all in advance.

A Realtor® can suggest simple changes that could make a prospective home more suitable for you and improve its utility and enjoyment. A Realtor® can supply information on real estate values, taxes, utility costs, municipal services and facilities and may be aware of proposed zoning changes that can affect your decision to buy. A Realtor® has no emotional ties to a home, can be objective about, can point out its advantages and disadvantages and is an expert negotiator. A Realtor® strives for fairness and agreement. He/she eliminates personality conflicts with owners and is totally objective to help you find the most suitable home at the most reasonable price in the shortest period of time.



W H Y K E L L E R W I L L I A M S R E A LT Y ? Created as a grand experiment, Keller Williams operates on the premise that if the company focuses all its resources on building its agents’ businesses, the agents in turn will build the company beyond all expectations. With that philosophy, we are reshaping the global industry landscape. Today, more than 139,000 associates and over 790 market centers across the globe are affiliated with Keller Williams. And, we want you to be part of the family! Technology Leading-edge tech tools and training give me the edge in effectively finding the perfect home for you! Teamwork Keller Williams Realty was designed to reward agents for working together. Based on he belief that we are all more successful if we strive toward a common goal rather than our individual interests, I'm confident that every Keller Williams professional shares the common goal of serving you, my client, in the best way possible. Knowledge Keller Williams Realty helps me stay ahead of trends in the real estate industry through its comprehensive, industry-leading training curriculum and research resources. It's what prepares me to provide you with unparalleled service. Reliability Founded on the principles of trust and honesty, Keller Williams Realty emphasizes the importance of having the integrity to do the right thing, always putting your needs first. It reinforces my belief that my success is ultimately determined by the legacy I leave with each client I serve. Track Record I'm proud to work for the world's largest real estate franchise by agent count. It's proof that when you offer a superior level of service, the word spreads fast.

AWARDS 2015

REALTOR Magazine Keller Williams home to industry-leading six 30 Under 30 winners, including Web Choice winner for fourth year in a row

REAL Trends 500 Keller Williams had more offices (151) represented on top real estate brokerages list than any other franchise

RIS Media Power Broker Report Keller Williams ranked #1 Power Broker by Brand - home to 29 percent of Top 1,000 brokers

Inman Select Special Report on Brer Real state Technology Highest ranked brokerage by agent satisfaction and usage



THE HOME BUYING PROCESS F R O M S TA R T T O F I N I S H


As Your Agent I WILL:

SELECTION OF YOUR AGENT

DISCUSS YOUR NEEDS

PRE-APPROVAL

DETERMINE SEARCH PARAMETERS

DETERMINE REALISTIC PRICE

RECOMMEND LENDERS FOR

SEARCH MLS FOR PROPERTIES

ANALYZE COMPARABLE PROPERTY VALUES

PREVIEW PROPERTIES

DECISION TO BUY

ENSURE COMMUNICATION AMONG ALL PARTIES

GUIDE YOU THROUGH CONTRACT DUE DILIGENCE

NEGOTIATE ON YOUR BEHALF

FACILITATE HOME INSPECTION

FACILITATE TIMELY CLOSING

SCHEDULE & ACCOMPANY YOU TO SHOWINGS

DELIVER CONTRACT TO SELLER OR AGENT

REVIEW DISCLOSURES & LAWS

ACCOMPANY YOU ON FINAL WALK-THROUGH

REVIEW CLOSING DOCUMENTS

MOVING DAY FACILITATE CLOSING


THE HOME BUYING PROCESS MY JOB IS TO BE YOUR GUIDE THROUGHOUT YOUR HOME BUYING PROCESS. W H E T H E R T H I S I S Y O U R F I R S T P U R C H A S E O R Y O U R 1 0 T H , Y O U H AV E ENOUGH TO WORRY ABOUT WITHOUT ADDING STRESS FROM THE TECHNICAL D E TA I L S . A L L O W M E T O M A K E T H E P R O C E S S A S E A S Y A S P O S S I B L E F O R Y O U A N D Y O U R F A M I LY. The general steps in the buying process will be determined by the contract deadlines. It will usually take 30-45 days from contract to close to complete the process. 

Discuss agency relationships and select your buyer’s agent to represent your interests.

Become pre-approved with a mortgage lender as this will help determine your price range and make you a more attractive buyer when making an offer.

Begin your search for a new home. If you have a home to sell, it is best to begin this search before your existing home in under contract.

Discuss your needs. Make sure your agent fully understands what type of home will best suit you and your family.

Make an offer!

Follow your agent’s guidance through the due diligence of the contract process.

Learn all about the neighborhood and city that you are about to live in.

Make preliminary moving plans with regards to utilities, insurance policies, schools and moving day.

T H E P E O P L E I N V O LV E D

BUYER

BUYER’S

SELLER’S

AGENT

LENDER

INSPECTOR

ABOUT THE COMMISSION

AGENT

SELLER

SELLER Typically Pays

TITLE

BUYER

COMPANY

Occasionally Pays

LISTING AGENT’S

LISTING

BROKERAGE

AGENT

OFFICE

BUYER AGENT’S

BUYER’S

BROKERAGE

AGENT

OFFICE



YOUR LIFESTYLE INTERVIEW T H E F O L L O W I N G PA G E S A R E S O M E Q U E S T I O N S F O R Y O U T O T H I N K A B O U T B E F O R E W E S E T U P Y O U R H O M E S E A R C H . I N I T I A L LY I D E N T I F Y I N G S O M E O F THESE WANTS AND NEEDS WILL HELP ME FIND A HOME BEST SUITED FOR Y O U A N D Y O U R F A M I LY.

Lifestyle: Who will be living in the home you purchase? Will anyone else be spending more than an occasional overnight stay (e.g., parents)? Describe your lifestyle. What do you enjoy doing at home? Do you do a lot of entertaining? How do you spend your time in the evenings and on the weekends? Does your home need to accommodate any special needs? Do you have any pets? Do you have anything special that needs to be accommodated such as athletic equipment, fine art, large furniture or a large collection? When people come to your home, what do you want your home to say about you? Is there anything I should know about your lifestyle that I have not asked?

Location: Tell me about your ideal location. What is your maximum commute time and distance? What is your work address? Are schools important? Is there a particular view you are seeking (e.g., skyline, lake, mountains)? What else is important about your location?


YOUR HOME WISH LIST General: Do you have a preference for when the house was built? Do you want a house in move-in condition or are you willing to do some work on it? When people come to your home, what do you want your home to say about you? Do you want to have a swimming pool or hot tub? Are you looking for any structures such as a greenhouse or shed?

Structure/Exterior: What type of home are you looking for (e.g., single-family, condo, town house, etc.)? Approximately what size house are you looking for (square footage) How many stories? What size lot would you like? What architectural styles do you prefer? What type of exterior siding will you consider? Do you want a porch or deck? What are you looking for in terms of a garage (e.g., attached, carport, etc.)? What other exterior features are important to you?


YOUR HOME WISH LIST House - Interior: What kind of style do you want the interior of your home to have (e.g., formal, casual, cozy, traditional, contemporary)? What kind of floor plan do you prefer (e.g., open vs. walls between all living spaces)? In general, what are your likes and dislikes for the interior of your home?

Bedrooms: How many bedrooms do you need? How will each of those rooms be used? What are your preferences for the master bedroom?

Bathrooms: How many bathrooms do you need? What are your needs for each of the bathrooms?

Kitchen: What features must your kitchen have (e.g., breakfast area, types of appliances, etc.)? What finishes do you want (e.g., countertops, flooring, appliances, etc.)? What are your likes and dislikes for the kitchen?


YOUR HOME WISH LIST Dining Room: Would you like the dining room to be part of the kitchen configuration? What about the living room? What size dining room table do you have?

Living Room/Family Room: Describe your likes and dislikes. Do you want a fireplace? What size room(s) do you have in mind? What other rooms do you need or want? What else should I know about the inside of the house you are looking for?

Summary: What are the top five things your home needs to have? Beyond those five things, what is something else you really want to have? If you could have something else, what would that be? If you could have one last thing to make this your dream home, what would that be?


THE NEIGHBORHOOD OF YOUR DREAMS Please consider the following and record any notes or preferences: Areas you would enjoy

Specific streets you like

School district(s) you prefer

Your work location(s)

Your favorite shops/conveniences

Recreational facilities you enjoy

Any additional items to consider when selecting your target neighborhoods


YOUR HOME SEARCH I L O V E H E L P I N G B U Y E R S F I N D T H E I R D R E A M H O M E . T H AT ’ S W H Y I W O R K W I T H E A C H C L I E N T I N D I V I D U A L LY, T A K I N G T H E T I M E T O U N D E R S T A N D T H E I R UNIQUE LIFESTYLES, NEEDS AND WISHES. T H I S I S A B O U T M O R E T H A N A C E R TA I N N U M B E R O F B E D R O O M S O R A PA R T I C U L A R Z I P C O D E . I T ’ S A B O U T Y O U R L I F E , A N D I T ’ S I M P O R TA N T T O M E . When you work with me, you get:  A knowledgeable and professional REALTOR®  A committed ally to negotiate on your behalf  The backing of a trusted company, Keller Williams Realty I have the systems in place to streamline the home-buying process for you. As part of my service, I will commit to helping you with your home search by:  Previewing homes in advance on your behalf  Personally touring homes and neighborhoods with you  Keeping you informed of new homes on the market  Helping you preview homes on the Web  Advising you of other homes that have sold and for how much  Working with you until we find the home of your dreams Once we have identified your basic home search criteria I will set up a “drip” search from REColorado.com in which you can communicate with me, flag listings you like or want to see, send me messages, notes, and more. We can always modify your search at any time after you start looking.

D O W N L O A D M Y A P P : H T T P : / / A P P. K W . C O M / K W 2 K S B I 6 F     

Nationwide home search capabilities - share the app with your friends GPS location search will bring up available homes near you Search by specifics parameters Save your favorite homes Rentals and Open Houses too!


MAKING AN OFFER Once you have found the property you want, we will write a offer. While much of the agreement is standard there are a few areas we can negotiate. Once your offer is accepted it becomes a binding contract between you and the seller. I will ensure your offer is complete and serves your best interests. Your Offer Includes General terms specific to the property such as address, legal description, ownership and how you will take title. The Price and Terms What you offer on a property depends on a number of factors including its condition, length of time on the market, current market conditions, buyer activity, and the urgency of the seller. The terms such as cash or new loan, if you are obtaining financing. In some situations owner carry financing may be available. The Deadlines and Due Diligence Items There are several deadlines contained in the contract that will determine when certain disclosure items are due from the seller and your objections to review of the home and its inclusions that are provided for. Contract acceptance, closing and possession dates are also addressed. We will discuss the time-line that works best for you for a closing date, ensure that your lender can meet the desired date in order to provide financing, and structure the deadlines in the contract to correspond appropriately to the closing date. Inclusions and Exclusions Often, the seller plans on leaving major appliances in the home; however, which items stay or go is often a matter of negotiation. We will identify the items the seller is offering as inclusions and discuss the exclusions. Sometimes buyers ask for items to be included as part of the negotiation process that the seller has asked to be excluded. We will discuss the pros and cons of making this kind of request. I will present it to the listing agent and/or seller. The seller will then do one of the following:  Accept the offer  Reject the offer  Counter the offer with changes By far the most common is the counteroffer. In these cases, my experience and negotiating skills become powerful in representing your best interests. When a counteroffer is presented, you and I will work together to review each specific area of it, making sure that we move forward with your goals in mind and ensuring that we negotiate the best possible price and terms on your behalf, but at the same time keeping your offer competitive and the seller engaged with negotiations.


I ’ M U N D E R C O N T R A C T, N O W W H A T ? When you and the seller come to an agreement on your offer the terms of the contract will “kick in” and it will be time to start performing the due diligence terms of the contract. The seller has certain due diligence items they are responsible for and you have certain items as well. I will outline your responsibilities upon acceptance of the offer and will stay in touch with you from contract to close to help guide you through the process. Earnest Money With your offer you need to provide something of “value” to the seller as good faith that you will follow through with the terms of the contract, subject to any objections you may have under the due diligence periods. You will provide an earnest money deposit that will be held in an escrow account by the listing broker’s company or the title company. Any entity that holds the earnest money is bound by Colorado real estate law and the terms set forth in the contract for handling of the earnest money should there be a dispute, or if the contract terminates. Your earnest money is protected under several contingencies in the contract. Inspections The most important part of your due diligence under the terms of the contract is the inspection period. This is the time that you are allowed to inspect the property of your own accord and bring in professionals, contractors or other people that will provide you information about the home. The purpose of the inspection is not to turn around and ask the seller to make every repair found, it is to inform you so that you know exactly what you are buying. There is not a home available for sale (including brand new construction) that is in perfect condition. Contingencies In addition to common contract contingencies which include the buyer obtaining financing from a lending institution, a satisfactory report by a home inspector, an appraisal for at least the value of the contract price, title insurance and others, there might be other requirements specific to your sale included. These might be special inspections (such as stucco, or pre-drywall inspections on a new home), tax advice or occasionally attorney review. Well and septic inspections and disclosure of specific environmental hazards or other state-specific requirements might also be necessary.


CLOSING 101 Prepare for It Closing Day marks the end of your home-buying process and the beginning of your new life! To make sure your closing goes smoothly, you should bring the following: 

   

A certified check or wire transfer will be required for closing costs and down payment. I will let you know if you make the check payable to yourself or the title company about a week prior to closing. Note that most title companies will only accept wire transfers for funds over $25,000 due to fraudulent checks becoming more prominent in transaction use. An insurance binder and paid receipt Photo ID (drivers license, state ID or passport) Social Security number Addresses for the past 10 years

Own It Transfer of title moves ownership of the property from the seller to you. The two events that make this happen are: Delivery of the buyer's funds This is the wired funds provided by your lender in the amount of the loan. Delivery of the deed A deed is the document that transfers ownership of real estate. The deed names the seller and buyer, gives a legal description of the property, and contains the notarized signatures of the seller and witnesses. At the end of closing, the deed will be recorded at the county clerk's office. It will be sent to you after processing. Possession Regardless of what you negotiated for possession of the property from the Seller, you will receive a set of keys at closing. Additional keys for the house and/or mailbox, garage door opener remote controls, manuals for systems and/or appliances will generally be left behind at the property for you.



HELPFUL INFORMATION POINTERS FROM

Angie


I N F O R M AT I O N E V E R Y B U Y E R S H O U L D K N O W AS A BUYER, YOU MAY BE RESPONSIBLE FOR THE FOLLOWING ESTIMATED EXPENSES ASSOCIATED WITH YOUR HOME PURCHASE: General Property Inspection Sewer Inspection Radon Gas Test Lead Paint Inspection Homeowner’s Insurance Title Company Real Estate Closing Fee Doc Fee (State Tax Stamps) Property Taxes Recording Fee

$200 to $600 | Variable depending upon sq.ft. and number of inclusions. $150 to $200 $150 to $200 $1000 + | Variable depending on the age of the home. Varies depending on your choice of coverage, past claims and other factors. $150 to $175 $1 per $1,000 of sales price. A partial credit to you for the portion of the current year that the seller owned the property. $150-$400

SETTLEMENT COSTS ASSOCIATED WITH YOUR LENDER: Loan Application Closing Points or Loan Origination Fee Loan Closing Fee to Title Company Private Mortgage Insurance (PMI) Underwriting Fee Document Preparation Flood Certification Fee Lenders Title Insurance Policy Credit Report Hazard Insurance Appraisal Fee Tax Certification

$250 to $500 1% to 3% of loan amount (optional) $300 to $350 Required if loan amount is more than 80% of purchase price. $250 to $500 $50 to $300 $10 to $50 $300 and up. $15 to $25 Premium for 1 year. $400 and up depending on the size of home; rush orders. $25

PRE-PAID ITEMS: Reserve fund for Tax Escrow Prepaid Interest Hazard Insurance Escrow

2 to 8 months of real estate taxes (may be received as credit from Seller) Interest on loan from closing date to the end of the month. Typically 3 months.


THE MORTGAGE AND LOAN PROCESS Funding Your Home Purchase 1. Financial pre-qualification or pre-approval  Application and interview  Buyer provides pertinent documentation including verification of employment  Credit report is requested  Appraisal scheduled for current home owned, if any 2. Underwriting  Loan package is submitted to underwriter for approval 3. Loan approval  Parties are notified of approval  Loan documents are completed and sent to title 4. Title company  Title exam, insurance and title survey conducted  Borrowers come in for final signatures 5. Funding  Lender reviews the loan package  Funds are transferred by wire Why pre-qualify?  We recommend our buyers get pre-qualified before beginning their home search.  Knowing exactly how much you can comfortably spend on a home reduces the potential frustration of looking at homes beyond your means.


B R E A K D O W N O F Y O U R M O R T G A G E PAY M E N T Your Mortgage Payment Typically Includes: P R I N C I PA L The amount of money borrowed. Each month a portion of the principal is paid back., Over time, interest becomes a smaller part of the monthly mortgage payment, and more of the payment goes toward reducing the principal owed. INTEREST The cost of borrowing money, usually expressed as an annual percentage of the loan amount, for example, 4% or 6%. Principal and interest are amortized over a period of years, typically for 15 to 30 years. P R O P E R T Y TA X E S Taxes paid to a local government, usually a percentage of your property value, based on the mil levy. Your lender generally collects the taxes through your monthly payments and pays them directly to the local government. The amount of tax will vary depending upon where you live and the type of property you own. You will receive a tax certificate from the title company that will show a breakdown of the mil levy and special taxing districts. HAZARD INSURANCE An insurance policy that protects you from financial losses on your property that results from fire or other hazards. P R I VAT E M O R T G A G E I N S U R A N C E ( P M I ) An insurance policy for down payments of less than 20% of the home price, which helps mortgage lenders recover some losses if a borrower fails to fully repay. Mortgage insurance makes it possible to buy a home with a low down payment.


M O R T G A G E A P P L I C AT I O N C H E C K L I S T       

     

Copy of signed sales contract with all addenda and amendments attached. Your address(es) for the past two years. The name and address of your employer(s) for the past two years. Social Security numbers for all applicants. W-2 forms for the past two years. Copies of pay stubs for the most recent 30-day period. Copies of statements for the most recent two months (or most recent quarterly statement) for bank accounts, mutual funds, brokerage accounts, retirement, etc. to identify the source of your down payment and asset reserves. All pages of the statements will be required, even if blank. Most recent two years federal tax returns including all schedules. If applicable, most recent two years corporate or partnership federal tax returns, including K1’s, for all companies in which the applicant has an ownership interest. Copy of canceled earnest money check, both sides, when available. Name, address and phone number of current landlord, if applicable. Estimates of value of real estate owned. You may also be asked for information on VA loans, Certificate of Eligibility or DD-214, pending lawsuits, former bankruptcies or foreclosures, rental leases, divorce decrees outlining child support and/or alimony. Name and number of the insurance agent you will be using for hazard insurance.

After your loan officer reviews your loan application, additional information may be required.


30-YEAR PAYMENT SCHEDULE 30 YEAR

2.5%

3%

3.5%

4%

4.5%

5%

5.5%

6%

6.5%

7%

7.5%

8%

$50,000

198

211

225

239

253

268

284

300

316

333

350

367

$75,000

296

316

337

358

380

403

426

450

474

499

524

550

$100,000

395

422

449

477

507

537

568

600

632

665

699

734

$125,000

494

527

561

597

633

671

710

749

790

832

874

917

$150,000

593

632

674

716

760

805

852

899

948

998

1049

1101

$175,000

691

738

786

835

887

939

994

1049

1106

1164

1224

1284

$200,000

790

843

898

955

1013

1074

1136

1199

1264

1331

1398

1468

$225,000

889

949

1010

1074

1140

1208

1278

1349

1422

1497

1573

1651

$250,000

988

1054

1123

1194

1267

1342

1419

1499

1580

1663

1748

1834

$275,000

1087

1159

1235

1313

1393

1476

1561

1649

1738

1830

1923

2018

$300,000

1185

1265

1347

1432

1520

1610

1703

1799

1896

1996

2098

2201

$325,000

1284

1370

1459

1552

1647

1745

1845

1949

2054

2162

2272

2385

$350,000

1383

1476

1572

1671

1773

1879

1987

2098

2212

2329

2447

2568

$375,000

1482

1581

1684

1790

1900

2013

2129

2248

2370

2495

2622

2752

$400,000

1580

1686

1796

1910

2027

2147

2271

2398

2528

2661

2797

2935

$425,000

1679

1792

1908

2029

2153

2281

2413

2548

2686

2828

2972

3118

$450,000

1778

1897

2021

2148

2280

2416

2555

2698

2844

2994

3146

3302

$475,000

1877

2003

2133

2268

2407

2550

2697

2848

3002

3160

3321

3485

$500,000

1976

2108

2245

2387

2533

2684

2839

2998

3160

3327

3496

3669

$525,000

2074

2213

2357

2506

2660

2818

2981

3148

3318

3493

3671

3852

$550,000

2173

2319

2470

2626

2787

2953

3123

3298

3476

3659

3846

4036

$575,000

2272

2424

2582

2745

2913

3087

3265

3447

3634

3825

4020

4219

$600,000

2371

2530

2694

2864

3040

3221

3407

3597

3792

3992

4195

4403

$625,000

2470

2635

2807

2984

3167

3355

3549

3747

3950

4158

4370

4586

$650,000

2568

2740

2919

3103

3293

3489

3691

3897

4108

4324

4545

4769

$675,000

2667

2846

3031

3223

3420

3624

3833

4047

4266

4491

4720

4953

$700,000

2766

2951

3143

3342

3547

3758

3975

4197

4424

4657

4895

5136

$725,000

2865

3057

3256

3461

3673

3892

4116

4347

4582

4823

5069

5320

$750,000

2963

3162

3368

3581

3800

4026

4258

4497

4741

4990

5244

5503


15-YEAR PAYMENT SCHEDULE 15 YEAR

2.5%

3%

3.5%

4%

4.5%

5%

5.5%

6%

6.5%

7%

7.5%

8%

$50,000

333

345

357

370

382

395

409

422

436

449

464

478

$75,000

500

518

536

555

574

593

613

633

653

674

695

717

$100,000

667

691

715

740

765

791

817

844

871

899

927

956

$125,000

833

863

894

925

956

988

1201

1055

1089

1124

1159

1195

$150,000

1000

1036

1072

1110

1147

1186

1226

1266

1307

1348

1391

1433

$175,000

1167

1209

1251

1294

1339

1384

1430

1477

1524

1573

1622

1672

$200,000

1334

1381

1430

1479

1530

1582

1634

1688

1742

1798

1854

1911

$225,000

1500

1554

1608

1664

1721

1779

1838

1899

1960

2022

2086

2150

$250,000

1667

1726

1787

1849

1912

1977

2043

2110

2178

2247

2318

2389

$275,000

1834

1899

1966

2034

2104

2175

2247

2321

2396

2472

2549

2628

$300,000

2000 2072

2145

2219

2295

2372

2451

2532

2613

2696

2781

2867

$325,000

2167

2244

2323

2404

2486

2570

2656

2743

2831

2921

3013

3106

$350,000

2334

2417

2502

2589

2677

2768

2860

2953

3049

3146

3245

3345

$375,000

2500

2590

2681

2774

2869

2965

3064

3164

3267

3371

3476

3584

$400,000

2667

2762

2860

2959

3060

3163

3268

3375

3484

3595

3708

3823

$425,000

2834

2935

3038

3144

3251

3361

3473

3586

3702

3820

3940

4062

$450,000

3001

3108

3217

3329

3442

3559

3677

3797

3920

4045

4172

4300

$475,000

3167

3280

3396

3514

3634

3756

3881

4008

4138

4269

4403

4539

$500,000

3334

3453

3574

3698

3825

3954

4085

4219

4356

4494

4635

4778

$525,000

3501

3626

3753

3883

4016

4152

4290

4430

4573

4719

4867

5017

$550,000

3667

3798

3932

4068

4207

4349

4494

4641

4791

4944

5099

5256

$575,000

3834

3971

4111

4253

4399

4547

4698

4852

5009

5168

5330

5495

$600,000

4001

4143

4289

4438

4590

4745

4903

5063

5227

5393

5562

5734

$625,000

4167

4316

4468

4623

4781

4942

5107

5274

5444

5618

5794

5873

$650,000

4334

4489

4647

4808

4972

5140

5311

5485

5662

5842

6026

6212

$675,000

4501

4661

4825

4993

5164

5338

5515

5696

5880

6067

6257

6451

$700,000

4668

4834

5004

5178

5355

5536

5720

5907

6098

6292

6489

6690

$725,000

4834

5007

5183

5363

5546

5733

5924

6118

6316

6517

6721

6928

$750,000

5001

5179

5362

5548

5737

5931

6128

6329

6533

6741

6953

7167


AGENCY TERMS SELLER’S AGENT/LISTING AGENT A seller’s agent works solely on behalf of the seller to promote the interests of the seller with the utmost good faith, loyalty and fidelity. The agent negotiates on behalf of and acts as an advocate for the seller. The seller’s agent must disclose to potential buyers all adverse material facts actually known by the seller’s agent about the property. A separate written listing agreement is required which sets forth the duties and obligations of the broker and the seller. BUYER’S AGENT A buyer’s agent works solely on behalf of the buyer to promote the interests of the buyer with the utmost good faith, loyalty and fidelity. The agent negotiates on behalf of and acts as an advocate for the buyer. The buyer’s agent must disclose to potential sellers all adverse material facts actually known by the buyer’s agent, including the buyer’s financial ability to perform the terms of the transaction and, if a residential property, whether the buyer intends to occupy the property. A separate written buyer agency agreement is required which sets forth the duties and obligations of the broker and the buyer. TRANSACTION BROKER A transaction broker assists the buyer, seller or both parties throughout a real estate transaction by performing terms of any written or oral agreement, fully informing the parties, presenting all offers and assisting the parties with any contracts, including the closing of the transaction without being an agent or advocate for any of the parties. A transaction broker must use reasonable skill and care in the performance of any oral or written agreement, and must make the same disclosures as agents about all adverse material facts actually known by the transaction broker concerning a property or a buyer’s financial ability to perform the terms of a transaction and, if a residential property, whether the buyer intends to occupy the property. No written agreement is required. CUSTOMER A customer is a party to a real estate transaction with whom the broker has no brokerage relationship because such party has not engaged or employed the broker, either as the party’s agent or as the party’s transaction broker.


C O M M O N R E A L E S TAT E T E R M S A P P R A I S E R The person who decides the market value of a home based on its condition and the selling prices of comparable homes recently sold in the area. His or her job is to compute a fair estimate of market value to help the lender determine a reasonable loan amount. A S S E S S O R A public official who appraises property for tax purposes, determining the assessed value, not the tax rate. C L O S I N G The conclusion of a real estate transaction, which includes delivery of a deed, financial adjustments, signing of notes and disbursement of funds necessary to the sale or loan. C O N T I N G E N C Y A condition that must be met before a contract is binding. For example, the sale of a home might be contingent upon the seller paying for certain repairs, resulting from buyer’s inspection. C O N V E N T I O N A L L O A N A loan made with real estate as security and not involving government participation in the form of insuring (FHA) or guaranteeing (VA) the loan. F I X E D - R A T E L O A N A loan with the same rate of interest for the life of the loan. H O M E O W N E R ’ S P O L I C Y A multiple-peril insurance policy commonly called a package policy. Available to owners of private homes, it covers the dwelling and contents in case of theft, fire, or wind damage, as well as liability for property damage and personal liability. I N T E R E S T R A T E C A P The maximum interest rate charge allowed on an adjustable-rate loan for any one adjustment period during the life of the loan. O P E N M O R T G A G E A mortgage that may be repaid in full at any time over the life of the loan without a prepayment penalty. P O I N T A point is a dollar amount paid to a lender for making a loan, each point being equal to one percent of the loan amount, also called a discount point. R E A LT O R A member of the National Association of RealtorsŽ who subscribes to a strict code of ethics. T I T L E Documentary evidence of the right to or ownership of property, which in real estate is the deed. Title may be acquired through purchase, inheritance, gift or exchange, as well as through foreclosure of a mortgage.


1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16.

Call security/alarm monitoring company to have the system transferred to your name as of the date of closing. Call your cellular phone service company to have your plan(s) changed and moved to Colorado. Submit your change of address form(s) to the Post Office for mail and magazines, or visit www.usps.gov/moversnet to obtain a change of address form & information. Notify your financial institution of your move. Order new checks from your bank. Arrange for moving assistance. Notify your employer(s) of your change of address. Notify your creditors of your change of address and phone number. If you are moving from out-of-state, get a VIN verification from the State Patrol and your automobile emissions test completed. Colorado requires this test before you can get your license plates. If you are moving to a different county within Colorado, notify the State and possibly get new license plates. Update your driver’s license or get a new one if moving from another state. Register your automobiles with the State in the county where you will be residing. Transfer your policy or make arrangements for new auto insurance. Register to vote. Register your kids at their new schools or submit a change of address with their school. Make arrangements to have your entire family's medical and dental files transferred to your new doctors. Arrange for home insurance at least two weeks prior to closing.

LAND BASED PHONE

AT&T Century Link Vonage Comcast

www.att.com/move www.centurylink.com www.vonage.com www.comcast.com

1-800-MOVE-ATT 1-800-475-7526 1-800-968-8720 303-930-2000

www.xcelenergy.com

1-800-481-4700

www.intermountain-rea.com www.blackhillsenergy.com

303-688-3100 1-888-890-5554

www.intermountain-rea.com www.coloradonaturalgas.com

303-688-3100 800-720-8193

GAS AND ELECTRIC

Xcel Energy Douglas County: IREA (electric) Black Hills Energy (gas) Jefferson/Park County: IREA (electric) Colorado Natural Gas

MOVING CHECKLIST

TRASH

Not necessary in Denver County; suburb areas must contact independent contractor of choice. Allied Waste www.disposal.com/Denver 303-287-8043 Waste Management www.wastemanagement.com 303-730-8353 BFI Residential Waste 303-287-8043 Eagle Waste Services www.eaglewasteservices.com 303-761-8387 Mountain View Waste Systems www.mountainviewwaste.com 303-838-0560 WATER/SEWER

Automatically transferred/canceled at time of closing by the title company; prorated on the Closing Statement.


CABLE AND INTERNET

Comcast Cable/Internet Century Link

www.comcast.com/move www.centurylink.com

303-930-2000 1-800-475-7526

www.directv.com www.dishnetwork.com

1-800-494-4388 or 1-888-777-2454 1-888-284-7116 or 1-888-825-2557

www.post-newscustomercare.com www.canyoncourier.com www.hightimbertimes.com www.clearcreekcourant.com www.columbinecourier.com www.theflume.com

303-832-3232 303-350-1030 303-350-1030 303-350-1030 303-350-1030 303-838-4423

Geoff Marshall Aikman or Lucas Rouge Lou Johnson

720-933-6842 303-668-7444 720-394-3023

SATELLITE

Direct TV DISH Network NEWSPAPERS

The Denver Post Canyon Courier High Timber Times Clear Creek Courant Columbine Courier The Flume MOVING COMPANIES

Grassroots Moving Amazing Moves (local) Johnson’s Moving and Storage MOVING TOOLS

State Farm’s Move Tools iPad App (Free): http://itunes.apple.com/us/app/state-farm-movetools/id413727217 Arapahoe County Aurora Broomfield Denver Golden Lakewood Littleton Parker

www.revenue.state.co.us (Click on “Driver’s License” link) 5334 S. Prince St, Littleton 303-795-5954 14391 E. 4th Ave. 303-344-8400 5139 W. 120th Ave. #G-8 720-887-8396 1865 W. Mississippi Ave. #C 303-937-9507 16950 W. Colfax Ave., Suite 104 720-497-1182 1881 Pierce St. 303-205-5609 311 E. County Line Rd. 303-795-5954 17737 Cottonwood Dr. 303-627-0985

EMISSIONS TESTING LOCATIONS

www.aircarecolorado.com

MOTOR VEHICLE

Adams County Arapahoe County Clear Creek County Denver City & County Douglas County Jefferson County Park County

www.colorado.gov/dmv (Click on “Titles and Registration” link) 303-654-6010 For Aurora, Brighton, Commerce City and Westminster Locations 303-795-4500 For Littleton, Aurora and Englewood Locations 303-679-2336 For the Georgetown Location 720-865-4600 For the Denver Area Locations 303-660-7440 For Castle Rock, Highlands Ranch and Parker Locations 303-271-8100 For Arvada, Evergreen, Golden, Lakewood and Littleton Locations 303-861-0732 For Bailey and Fairplay Locations

ELECTION COMMISSION

www.govotecolorado.com

DRIVER’S LICENSE OFFICES



FA Q How will you tell me about the newest homes available? The REColorado.com website provides real-time information for every home on the market. I constantly check the searches myself so I can be on the lookout for my clients. I will set you up with an automatic drip so you will receive listings as I do. Will you inform me of homes from all real estate companies or only Keller Williams Realty? I will keep you informed of all homes. I want to help you find your dream home, which means I need to stay on top of every home that's available on the market. For-Sale-By-Owner (FSBO) homes are not as easily discovered, but I do check several lists periodically for homes that may suit my clients. Can you help me ďŹ nd new construction homes? Yes, I can work with most builders and get you the information you need to make a decision. On your first visit with the builder, I will accompany you. By using my services with a new construction home purchase, you will receive the services I offer, as well as those provided by the builder, at no additional cost. How does for sale by owner (FSBO) work? Homeowners trying to sell their home without agent representation are usually doing so in the hopes of saving the commission. If you see a FSBO and want the advantages of my services, let me contact the owner for you and make an appointment. Most times the homeowner will work with an agent even though their home is not listed, since the agent is introducing a potential buyer to their property. Can we go back through our property again once an offer is made but before possession? Usually we can notify the seller and schedule a convenient time to visit the property again. Immediately before the closing, we will schedule a final walk-through and inspection of your new home. Once my offer is accepted, what should I do? Celebrate and focus on moving into your new home! You will want to schedule your move, pack items and notify businesses of your address change. The moving checklist in this guide will help you remember all the details. I will also give you a closing statement about a week prior to closing, which will indicate the amount you will need to bring to closing.


NOTES


Angie Willis 303-810-4373 angie@ SimplyColoradoRE.com AngieWillis.ms

@AngWRealtor

in/angeladwillis

SimplyColoradoRE.com


REAL ESTATE MADE SIMPLE. All information deemed reliable but not guaranteed and should be independently veriďŹ ed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Keller Williams Realty Success, LLC shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.


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