Linda Smalley - Buyer's Guide by ChinowthCohen

Steps to Buying a Home Your Complete Guide to Prepare You for Your Home Buying Experience Step 1. Find a Realtor First Step 2. Get a Pre-Approval from a Mortgage Lender Step 3. Buyer Checklist for What’s Ahead Step 4. What and When to Pay Out of Pocket Step 5. What area Closing Costs? Step 6. Don’t Spend Extra Money! Step 7. Finding Your Dream Home Step 8. Making an Offer Step 9. Review All Disclosures Step 10. Is a Home Warranty for You? Step 11. The Wheels are in Motion Step 12. The Home Inspection Process Step 13. Scheduling Home Inspections Step 14. Repairs by the Seller Negotiation Step 15. Preparing for Your Move Step 16. The Appraisal Step 17. The Abstract & Title Work for Closing Step 18. Scheduling Your Closing Date Step 19. Re-inspection and Final Walk-thru Step 20. Arrange for Your Utilities Step 21. Clear to Close Step 22. Getting Your Funds Ready for Closing Step 23. It’s Closing Day! Step 24. Wrapping Things Up after Closing Local Resources to Help You throughout the Process Testimonials – What My Clients Say

Tulsa Area Local Mortgage Lenders These local professionals have excellent reputations for helping their clients successfully close their real estate purchase. My clients have loved working with each and every one of them!

LOCAL BANKS Sandy Gardner, Mortgage Lender Arvest Bank NMLS #1744265 Office: 918-382-2678 Cell: 918-809-9155 1515 South Utica, Tulsa, OK 74105 Email: sgardner1@arvest.com Elizabeth Favell, Mortgage Loan Originator BancFirst NMLS #210604 Phone: 918.664.3463 Cell: 918.284.1343 7625 East 51st Street, Tulsa, OK 74146 Email: Elizabeth.Favell@BancFirst.banc Gretchen Casto, Mortgage Lender Bank of Oklahoma License NMLS #492250 Office: 918.488.7638 Cell: 918.760.6086 Email: gcasto@bokf.com

LOCAL MORTGAGE BROKERS Phillip Allen Morrow, Mortgage Loan Officer AMC Mortgage Company NMLS #182383 Phone: 918.488.6363 Cell: 918.607.8448 7211 South Yale, Tulsa, OK 74136 Email: amorrow@amcmtg.com Bret Close, Mortgage Lender Cornerstone Lending License NMLS #792040 6100 South Yale Ave. Suite 1100, Tulsa OK 74135 Phone 405.514.0255 Email: blcose@houseloan.com Howard Doak, Mortgage Lender Cityscape Mortgage (owned by AMC Mortgage) License NMLS #2140915 1115 S Lewis Ave, Suite D, Tulsa, OK 74104 Office: 918.622.0900 Cell: 918.851.2950 Email: Howard@Cityscapehome.com Sean McKee, Mortgage Lender Flat Branch Home Loans License #492256 2121 South Columbia Ave. #104, Tulsa, OK 74114 Cell: 918.404.3133 Email: smckee@fbhl.com Be sure to tell them that I referred you! Thanks!

Home Inspections Checklist~ Skimping on your home inspections can cost you big bucks and or could give you buyer’s remorse. Depending on the home you are buying, inspections should be considered for the age of the house, location, and condition. Here are some home inspections to consider: The EMP. This inspection covers the electrical, mechanical (HVAC system), and plumbing systems. A Full House Inspection. More comprehensive, you’ll learn if the windows are functioning, the operation of cabinetry, interior doors, damaged floor coverings, guttering and items in the deferred maintenance category. It’s worth the extra money to know any additional issues with the home. The Structural Inspection. This inspection is performed by a licensed, certified, structural engineer to determine the structural integrity of the home. This will include the foundation, attic rafters, and any exterior or interior factors that may be a concern for a structural issue. This inspector can also look at the yard for any drainage issues. Termite and Wood rot. In Oklahoma, if you haven’t had termites, you eventually will. The inspection will also encompass other wood destroying organisms. Conditions conducive to termites, such as wood rot and debris, or a stack of firewood will also be investigated. Fireplace Inspection. Always have a fireplace inspected. A bonified chimney sweep can evaluate and clean the chimney for future safety. Air Duct Cleaning. Air ducts in the floor (crawlspace of foundation) are subject to dust and dirt. With age, they can get rusted. For your health and energy efficiency of the home, air duct cleaning can give your peace of mind. Roof Inspection. This is a must to verify if the roof is insurable. French Drain Evaluation. Your structural engineer may be able to inspect a French drain/water drainage situation, but may refer you to an expert installer for a second opinion. Septic System. These systems can be found not only in rural areas, but in older neighborhoods in the city. It’s best to know the status and health of the system before a back-up problem occurs. Swimming Pool. Another inspection to ensure the pool equipment is functioning properly. Sprinkler System. Most General Home Inspectors can check out the sprinkler system. If you’d prefer bonified sprinkler system company to inspect, there are plenty of choices. Security System. If the house has a current system, a representative from the servicing company would be happy to go over the system with you. Page 2

EIFS or Stucco Inspection for moisture infiltration. This determines if moisture has accumulated behind the stucco surface. Mold & Air Quality Investigation. Always worth the money to check this out if it looks to be some mold or even a mildew looking substance in the home. Mold can greatly affect the air you breathe. Soil Sample Testing if you plan on building on a lot. Neighborhood Covenants and Restrictions, Home Owners Association By-Laws Read these documents carefully to make sure you know the rules of the neighborhood. Square Footage. If you want to know the exact square footage of the house, then you must hire an appraiser for a measurement. FEMA Flood Zone Classification. Available from the County. Flood zones change periodically so don’t trust online information. Your home insurer can also get this information for you. Environmental Risks such as lead-based paint, radon gas, asbestos or mold. There are a number of businesses that can test for a variety of concerns. Psychologically Impacted Property and Megan’s Law. Check with the local police department and local crime map. Hazard Insurance. Get with your home owners insurance agent as soon as you get under contract. You must know ASAP if the home is insurable! Protect your future investment and get comprehensive home inspections!

Reach out to Linda for more information at 918.630.8431 or lsmalley@cctulsa.com

Home Inspection Companies You can trust that these reputable home inspectors will be looking out or you.

General Home Inspection Companies Homeworks Home Inspections – Phone: 918.406.5520 - Website: TulsaMetroInspections.com Paul and Michelle Wamsley Atkinson Inspections LLC – Phone: 918.298.4653 – James Atkinson DCS Home Inspections – Phone: 918.636.2746 – David Smith Structural Engineering Companies FEI Inspections – Phone: 918.665.2593 – Website: feiinspections.com StoneHenge Structural Services – Phone: 918.691.7373 More info on Facebook Termite and Wood Rot Inspections Premier Pest Pros LLC – Phone: 918.973.0344 – Website: premierpestpros.com Sure Shot Exterminating Inc. – Phone: 918.259.9058 – Website: sureshottulsa.com Creepy Crawlers – Phone: 918.853.3379 – Website: creepycrawlerspest.org Septic Tank Inspection and Cleaning Roberts Environmental – Phone: 918.671.9176 Dynasty Septic – Phone: 918.807.9466 – Website: DynastySeptic.com Mold & Air Quality, Lead-Based Paint, Radon Investigation. Your Home Inspection Company may offer this service. Mold911Remediation – Phone: 888.665.3408 – Website: mold911ok.com Cox Environmental - Phone: 918.970.6606 – Website: Coxenvironmental.com Swimming Pool/Spa Maintenance & Inspections Hasz Life Pools – Danny Bradley – Phone: 918.557.7441 – Website: haszlifepools.com Baker Pools – Phone: 918.298.2601 - Website: bakerpoolsok.com Byrd Pools – Phone: 918.496.2818 Website: byrdpoolservice.com Sprinkler System Performance Inspection Without A Drought Irrigation – Phone: 918.615.2040 - More info on FaceBook Abundant Rain Irrigation – Phone: 918.608.1444 - Website: abundantrainirrigation.com

EIFS or Stucco Inspection Your home inspection company may be able to perform this inspection. GFAC Engineering – Phone: 918.622.7021 – Randy Barnes – Website: gfacengineering.com Neighborhood Covenants and Restrictions, Home Owners Association By-Laws. Your title or escrow company can provide these for you. The Seller’s may also be able to provide. Appraisal or Square Footage Measurement – Appraisal Companies Jimmie Ritchie Appraisals – Phone: 918.742.3845 - Website: jimmyritchieappraisals.com Just Appraisals, Leeann Nelson – Phone: 918.461.1815 Brown Appraisals – Phone: 918.293.9595 - Website: www.brownappraisalservice.com Utility Easements, Storm Water Run-off Water and Storm – Contact your city or county utility/water department for this information FEMA Flood Zone Classification – Your insurance agent should be the first source you should contact. FEMA flood plain maps are available online. Psychologically Impacted Property and Megan’s Law. Contact your local police department for this information. Hazard Insurance. This is your home owners insurance. You must investigate this during your home inspection period.

If there is a specialty inspection needed, I will help you find a company to perform it. It’s a buyer’s responsibility to perform all inspections and verify all information during the home inspection period.

Local Contractors for Repairs, Remodeling & Home Inspections for Buyers and Sellers General Home Inspection Companies Homework’s Home Inspections – Phone: 918.406.5520 Paul Wamsley www.TulsaMetroInspections.com Assured Home Inspections – 918.853.5113 Drew Sleezer www.assuredhomespectors.com Horizon Home Inspections – 918.553.1919 Sean Wilson www.horizonhomeinspections.com Structural Engineering Companies FEI Inspections – Phone: 918.665.2593 – Website: www.feiinspections.com AEI Inspections – Phone 918.251.6910 - Website: www.aeiinspections.com Termite and Wood Rot Inspections Premier Pest Pros LLC – Phone: 918.973.0344 Lee Martin www.premierpestpros.com Brewer Russell Exterminating – Phone: 918.834-1122 Dennis Forehand www.brewer-russell.com Termite Masters – Phone: 918.376.7311 Craig Olson www.tulsatermitemasters.com Septic Tank Inspection and Cleaning Roberts Environmental – Phone: 918.671.9176 Dynasty Septic – Phone: 918.807.9466 – www.DynastySeptic.com White Tail Septic- Ricky - Phone 918.629.0466 Harry Thomas Aerobic Systems - Phone: 918.851.0989 Mold & Air Quality, Lead-Based Paint, Radon Investigation. Your Home Inspection Company may also offer this service. Mold911 Remediation – Phone: 888.665.3408 – Website: mold911ok.com Mold Mob - Phone: 918.234.2424 Cox Environmental - Phone: 918.970.6606 – Website: Coxenvironmental.com

Air Duct Inspections, Cleaning and Restoration Air Doctor Duct Clean & Lining Phone: 918.628.1800 Jason www.airdoctortulsa.com Swimming Pool/Spa Maintenance & Inspections Hasz Life Pools – Danny Bradley – Phone: 918.557.7441 – Website: haszlifepools.com Baker Pools – Phone: 918.298.2601 - Website: bakerpoolsok.comB Byrd Pools – Phone: 918.496.2818 Website: byrdpoolservice.com Sprinkler System Inspections, Installation & Repairs Without A Drought Irrigation – Phone: 918.615.2040 More information on Facebook Abundant Rain Irrigation – Phone: 918.608.1444 – www. abundantrainirrigation.com Quality Irrigation Services – Kurt Chronister – Phone: 918.639.839 Roofing Companies Wisdom Roofing Mike Wisdom – Phone: 918.282.6358 www.wisdomrooftandgutteringcom Pro-Tech Roofing Larry Wilson – Phone: 918.697.8324 www.tulsaprotech.com EIFS or Stucco Inspection Your home inspection company may be able to perform this inspection. GFAC Engineering – Phone: 918.622.7021 – Randy Barnes – Website: gfacengineering.com Dryer Vent Inspection, Cleaning & Repairs Firehouse Dryer Vent Cleaning Mark 918.516.5516 - www.firehousedryerventcleaning.com Window Cleaning Mitch Miller Professional Window Cleaning Phone: 918.313.6858 – www.mitchmillerwindowcleaning.com Squeegee Squad – Melissa Brinkley Phone: 918.331.9905 www.squeegeesquad.com Sunlight Skies Window Cleaning – Alexis McGuire Phone: 918.440.8956 Lock Smith BJ Travis – Phone: 918.481.6116 Admiral Security – 918.582.4988

Grab Bar Installation Grab Bars of Tulsa -Evan Elsberry Phone: 918.619.7324 www.grabbarsoftulsa.com Picture/Art Hanging – John Wilferth 918.760.4969 Wood Rot Repair Arango Wood Rot Restoration - Gilberto Phone: 918.991.2356 Appliance Repair Services Shelton’s Quality Services – Phone: 918.236.8388 Shelton Hahn www.sheltonsservice.com Brothers Appliance Services - Phone: 918.355.4545 www.brothersapplianceservices.com Plumbing Integrity Plumbing – Don Phone: 918.955.4160

Infinity Plumbing – Phone: 918.258-1818 Charley’s Rooter Service – Phone: 918.834,7276 Chimney Inspections and Repairs Sooner Chimney - Jesse. 918.640.924 Electricians Setters Electric – Alan Phone: 918.706.7266 Raceway Electric – Mike Phone: 918.378.3038 Ideal Electric - Phone: 918.812.7641 Foundation Repair Williams Foundation – Mark Wecker Phone: 918.637.1647 Perma Jack – Tulsa Phone: 918.8357700 Triton Foundation Repair Phone: 918.520.7030 Masonry Affordable Masonry Tulsa – Jim Wagner Phone: 918.895.2586 www.affordablemasonrytulsa.com

Painters Vaca Painting – Arturo Phone: 918.955.1989 Angie’s Painting LLC. – Angie or Jose Phone: 918.902.6185 Noey Aguilar Phone: 918.720.1663 Movers - Moving Castle Rock Movers - Ruben Castillo Jr. 918.373.0303 - www.CastleRockMove.com You Move Me Movers - Veteran owned Phone: 918.286.8840 – www.YouMoveMe.com U Haul: Trucks, Trailer, Storage and Moving Supplies Phone: 800.GO-U-HAUL. www.uhaul.com PODS: Moving & Storage. 877.316.6833 www.pods.com Cleaning and Hauling Accurate Power Washing & Coating – Josh Adesokan Phone: 918.409.0283 – www.accuratepowerwash.com Wisdom Powerwashing – Phone: 918.894.8911 Haul Aways – Gary Rainey – Junk and unwanted items removal Phone: 918.407.0336 Appraisal or Square Footage Measurement – Appraisal Companies Ritchie Appraisals – Phone: 918.742.3845 - Website: jimmyritchieappraisals.com Just Appraisals Leeann Nelson – Phone: 918.461.1815 Brown Appraisals Phone: 918.293.9595 - Website: Utility Easements, Sewer Easements and Storm Water Run-off Water – Contact your city or county utility/water department for this information

FEMA Flood Zone Classification – Your insurance agent should be the first source you should contact. FEMA flood plain maps are also available online. Psychologically Impacted Property and Megan’s Law. Contact your local police department for this information. Hazard Insurance. This is your home owner’s insurance. You must investigate this during your home inspection period. If you need a specialty contractor, let me know and I’ll find you some options.

Vendors to Help You with Your Move. Trash Pick Up including large items Haul-aways Tulsa Junk Removal- Gary 918.407.0336 www.haulaways.net Dumpster Services Helping Cans 918.216.0151 www.helpingcans.com Tri-Star Roll-Offs Trash Company 98.342.1200 www.tristarrolloffs.com Bison Bins 918.984.1573 www.bisonbinstulsa.com The City of Tulsa offers bulky waste pick-up. You can schedule online. Moving Companies PRIMO Moving Company - Reuben 918.873.0303 www.castlerockmove.com You Move Me -Tulsa Movers 918.286.8840 www.youmoveme.com

Two Men and a Truck 918.771.4049 www.twomenandatruck.com U-Haul 800-Go-U-HAUL www.uhaul.com Reserve a truck or trailer Order moving & packing supplies And of course, your neighborhood Lowe’s or Home Depot are good resources for packing supplies. Don’t mind second hand moving boxes? I can reach out to my fellow associates to try to locate used moving boxes from a buyer that’s recently moved in the Metro area. Last of all, there are a number of non-profit organizations that pick up gently used items. Search “donation pickup Tulsa” and you’ll find many to choose from.

Having a home warranty in place can help you reduce your out-of-pocket expenses for repairs in your home. Listed below are the top three referred home warranty companies in our market. I suggest you research each company to learn more about their plans, procedures and pricing. Feel free to call these companies if you have questions. A Seller can execute a home warranty upon listing and pass this service on to a buyer. A buyer can ask a Seller to provide this a pre-paid home warranty plan in your initial offer. Any homeowner can purchase a home warranty at any time. American Home Shield Phon

www.ahs.com Call 888.858.1922

Old Republic Home Protection www.orhp.com Call 800.445.6999

First American Home Warranty www.homewarranty.firstam.com Call 888.875.0533

These trusted businesses will get you to the closing table! Community Title Services 3130 East 71st Street Tulsa, Ok 74136 918.350.9080 Elite Title Services 1415 East 41st Street Tulsa, OK 74105 918.392.9700 An affiliate of Chinowth & Cohen Realtors Apex Title & Closing Services 3910 S 79th E Ave. Tulsa, OK 74145 918.794.5712

Congratulations on your decision to put your home on the market. Professional photos will make a great first impression for home buyers looking online and for printed materials from your real estate agent. Here’s a checklist of items that will help your home show in its’ best light. ALL ROOMS ~ Have all rooms clear of personal & pet items All lights on. Replace all burned-out bulbs Lampshades should be straight and even Wall hangings, art, pictures straight & even Minimize wall hangings & family photos Make beds – smooth & even, Pillows straight KITCHEN~ Minimize countertop items to a few things Clear Refrigerator of photos, magnets, etc. Sink area clean & clear of cleaning products Trash cans out of sight No toasters, blenders, etc. or countertop microwaves Kitchen Rugs removed BATHROOMS~ Remove all items in shower & bathtub All lights turned on. Replace all burned-out bulbs. Clean Mirrors & Shower Doors Remove all personal products. Limit 2-3 items on counters Toilet seats down, Bathroom rugs removed Straighten towels to be at same length EXTERIOR~ Trim trees & bushes for best view of home Remove leaves, clear all sidewalks Remove lawn equipment, hoses, pet items, trash cans All sides of the house should be clear & clean No vehicles in the driveway for the photo shoot Add some curb appeal on your front porch

Step1. Is it Time to Buy a Home? - Find a Realtor First! You’ve made the decision to buy a home. Congratulations! Let the adventure begin! But seriously, you’re a little in the dark about where to start. It’s been a while since dipped your toes (or if you’ve ever) into the realm of home buying. What to do? Your very first step is a Buyer Consultation. You want to make sure you understand the process of buying a home, but you also need to know that you are in the good hands of a professional Real Estate Agent. You’ll be trusting your Real Estate Agent to be there for you every step of the way. You’re making a huge purchase and need the best representation. You want to your agent to be experienced and have good market knowledge. You want to know if they have good negotiations skills and are a good communicator. You may be working with your Real Estate Agent for several months so make sure it’s a match! Spending hours on the major real estate websites Zillow, Trulia or Realtor.com searching for homes can be time consuming because they have limited information and sometimes, the information is outdated. I’ll set up a custom search for you specific to your preferences. Real estate agents have many more details we can enter into our local MLS (Multi-List Service) to hone your search to your preferences. I can also set-up an automatic search that will alert you to new properties as soon as they hit the market. You will also get notified when a property has a price reduction which may put it in your price range category. This option gives you an advantage

because our market has limited inventory. Another benefit is that I can get you in to a property quickly.

The best way to find a Real Estate Agent that you want to work with is to set up an inperson meeting to see if the agent is a good fit for you. Ask for the following questions when you interview a real estate agent candidate. 1. Ask about their experience. Ask in what area of real estate they’ve been most successful. An agent that works rural properties may not have experience in condo properties. 2. Ask about the agent’s systems and processes to help you get through a transaction. Having a step-by-step process in writing is your education for the process. 3. Review the Realtors website. Look for content that meets your expectations. Make sure they have previous client testimonials for you to review. Here you can find out what qualities previous clients appreciated. You also want a Real Estate Agent who responds from the get-go! In this fast-moving market you may miss showing opportunities or even lose a deal if you work with a slow responding agent. Buying a home may be the largest financial transaction you 'll ever do and thoroughly vetting a real estate agent is an important step. You want to make sure your agent will be working in your best interest every step of the way. I take it personally that I give my clients the very best service in all aspects of a real estate transaction. I also operate in accordance with the National Association of Realtors Code of Ethics and the Federal, State, and local guidelines of the Fair Housing Act. To learn more about my experience, work ethic and to review my client testimonials, go to my webpage at www.LindaSmalleyHomes.com.

The Small Army That’s Working for You. A Small Army will be working to process your transaction to help you get to your ultimate goal. CLOSING! It’s amazing how many people are involved in a real estate transaction. Sellers and Buyers are usually represented by two individual real estate agents and also, two different real estate brokerages, and two different title companies. Within the brokerages are the Administrative Assistants that handle the data entry of the listing information and the audit of all the contract documents. As we proceed through the transaction, original and additional forms are then sent to our accounting office. All forms must be signed, initialed and have complete information as another audit is performed in accounting. This is the final paperwork stop for the brokerage. My Brokerage, Chinowth & Cohen offers our agents Marketing Services such as creative design, digital and online print and content, and digital photography and video and drone photography, all performed by local professionals. Our local MLS Association employs people from our community that services our local MLS transaction information. They offer higher education for Agents and Brokers and support local charity organizations in our community The tenacles of our local MLS Association stretch far and wide to our state and national real estate organizations which includes thousands of people who keep real estate humming! Buyer’s agents provide information for showings, set up showings and communicate with Listing Agent. Agents use a national company to set up showings and get feedback from Buyers for Sellers. We setup our electronic signature service for easy and a quick way to sign and share documents with the coordinating side. This also gives a method of storing all your documents to have ready for you at your closing. These businesses employee hundreds, if not thousands of people worldwide.

The real estate agents representing the Seller or the Buyer are responsible for completed and accurate paperwork, helping their clients with scheduling home inspections, repair contactors, appraisers, cleaning people lawn services, pest control companies and security services. Again, your real estate transactions contribute to our local and national economy. The Buyers will be working with an insurance agent to get quotes and coordinate their homeowner’s insurance, moving services and utility providers. Both parties are represented by a title company performing the updating of the abstract and review, a written title opinion by an attorney, and arranges for a Title Insurance Police. The Title company communicates with the Buyers mortgage lender to finalize the closing statements for both parties. The title company orders the Mortgage Inspection Certificate aka the Plat Survey by a certified surveying company, A number of people within the title company will be working on your file. On the Buyers side, a mortgage lender will be reviewing the Buyers financial information, appraisal, and homeowner’s insurance. The mortgage process begins with a Loan Originator, then there are processors, and underwriters reviewing all the Buyers information and making the final approval for a mortgage loan of “Clear to Close”. Words we all love to hear! So as you can see, there’s a host of people who will be working for you to help you realize your final goal whether you’re buying or selling! And I must say. It’s always a pleasure for me to get a Seller or a Buyer through a transaction. It’s a lot to do in a short period of time. I try to make the transaction go as smoothly as possibly.

Step 2. Buying a Home - It’s Time to Get with a Lender for a Mortgage Preapproval Now that you’re all set with your Real Estate Agent representation and understand how the initial process works, you’re ready to get with a Mortgage Lender. I stress “get with” because some face time with a lender establishes a relationship and your Lender can advise you on the best type of loan that works for your financial situation. You’ll be in contact with your Lender until the day you close you transaction. It’s another important relationship in the process of buying a home. Shop your mortgage with at least two lenders and try to do it on the same day because as you know, interest rates are always changing. Shopping with more than one lender can impact your credit score so beware of that tip. Let both Lenders know you’re getting a second opinion. It’s always best to know who you’re doing business with. You’ll find that you have many options to work with locally. Translation: Stay away from online lenders unless you want to have a frustrating experience. See my list of my highly recommend Local Mortgage Lenders. My clients have had excellent experiences with each of these businesses and their mortgage officers. During the pre-approval process, the Mortgage Lender will have you fill out an application and provide a number of documents for the pre-approval. Be ready to provide tax returns, savings and investment account statement, bank statements, and pay check stubs. If you’re self-employed, you may be asked to provide even more documentation.

Your credit scores can affect your interest rate and term of a loan. Be expeditious in sending in your information. Pre-approval can take up to 5 days with some lenders who actually do some pre-underwriting investigation for your qualification. Pre-approvals are not solely determined by a credit score. A Mortgage Lender is looking at your ability to pay your mortgage loan over time. Once a contract is presented to your Lender, it is sent to the Lender’s underwriting department so make sure you disclose and provide everything for final approval to close your transaction. The Mortgage Lender will then discuss what loan programs you qualify for, what is required for your down payment and closing costs, estimated taxes and home owner’s insurance. This is called an Itemized List of Buyer Costs. It will also include all the Lender fees and the fees for the Title Company who will handle your closing. I will need a copy of this for my file which I provide to my Broker as an acknowledgement that you know there are costs associated with purchasing a home. The Importance of your Pre-Approval Letter This is a must in making an offer so as soon as you understand the terms of your loan program, I’ll need a copy of your Pre-Approval for your file to have readily available when submitting an offer on your behalf. This is provided to a Seller with an offer. It contains some basic information about your mortgage loan pre-approval such as amount of loan, type of loan, term of loan, and expiration date of the pre-approval. No worries if you don’t use your pre-approval right away. It’s easy to get an extension by letting your lender know about 10 days before it expires. They’ll do a quick review and get back to you if anything has changed. Down Payment Assistance Programs. There are some programs that offer down payment assistance in our area. Your lender may have information on these programs and we can do some research to see if anything else is available. These are usually for first-time homebuyers but there could be available money from other national programs. See my list of Local Lenders on the next page.

Step 3. Buying a Home - Buyer’s Checklist for Your Real Estate Transaction Because no two real estate transactions are alike, some steps in the process can vary but don’t worry, your agent, lender and title company representative will keep you informed. We’ll all be working towards your goal of getting you to the closing table! ____Hire an awesome Realtor to help you find your dream home and get you to the closing table. ____Find a mortgage broker/lender. We recommend comparing at least two (bank or mortgage-broker) to see who will give you the best terms and rates. Check out my list of Recommended Lenders at _____Sign the Buyer Broker Agreement. This contains valuable information about your Real Estate Agents and Brokers representation. ____Send a copy of your preapproval letter to me as soon as you have it in hand. I’ll save this in your file to have when you’re ready to make an offer. ____We both will be updated by your Lender during this process. Be sure to reply promptly to your Lender and the Title Company handling your closing. ____Do not buy anything expensive or open new credit cards. Pay all bills on time. Be very careful with your finances from now until we close. Any change in your credit could potentially change your loan requirements during the underwriting process and nullify your loan approval. ____Review the estimated closing costs provided by your Lender. ____Change your privacy settings on Facebook and LinkedIn to the highest security settings possible while still allowing people to Friend you. Do not post anything about your home search or discuss any details of your real estate transaction especially

regarding your closing date. You could be subject to wire fraud if you make this information public. ____We’ll meet in person to prepare your offer, the disclosures and any addendums to the Contract of Sale. We’ll also discuss negotiation options to be prepared for counteroffer situations. Your Pre-Approval Letter from your Mortgage Lender will be attached to your offer for the Seller to review. ____Earnest money is to be deposited within 2-days of the last signature on the Contract. This will be deposited into a real estate brokerage account or a Title and Escrow Company. A Seller never handles the earnest money. ____The executed Contract of Sale is sent to your Mortgage Lender to initiate your actual loan process. Your Contract of Sale is also sent to the Closing company to begin the abstracting process for closing your transaction. The Closing Company will initiate you Title Insurance Policy once the abstracting and survey is completed. ____The home inspections are scheduled at this point. I have a list of Recommended Homes Inspectors and can assist you in scheduling. The Seller is notified so we can make it sure it works with their schedule, too. ____Clear your schedule to attend the home inspection if possible and bring your checkbook to pay for the inspections. Most inspectors take credit cards. Home inspections generally take about 2 hours depending on the size of the house, its’ condition and the scope of inspections you choose to have performed. Turn around time to receive your inspection reports is 24-48 hours. ___ You’ll need to Investigate your homeowner’s insurance within your Inspections period. ____Once you have reviewed the inspections reports, you can request repairs from the seller based on the inspection reports. You’ll have a 7-day period to negotiate repairs or a concession. ____If the Seller repairs any items as a result of the home inspections, you can obtain receipts and have a reinspection by your home inspector if desired. ____Your Mortgage Lender will schedule an appraiser during this time frame. Your Mortgage Lender will contact you directly once the appraisal arrives. Be sure to get a copy of the appraisal. If you’d like to share it will me, I can print it for you and I will also include it in your closing booklet. ___Hire a mover and begin packing. ___Arrange for home owner’s insurance to start the day of closing ___Arrange for utility services 2-3 days prior to closing. You may want to arrange for cable/internet services 1 week prior to closing. We will ask the Seller for utility estimates and providers when presenting your offer. ___Arrange for a locksmith to change the locks on the house and have passwords deleted for the alarm system or any Smart Home products. ____Get any final documents to lender ASAP for your final approval and clear to close.

____Attend final walkthrough the day before closing with your agent. ____The closing company and lender will handle your funds due at closing. I will never ask you for your banking information, social security number or any other financial information. Should you receive an email right before closing that is suspicious, please call your bank and closing company. It could be fraud. ____Closing Day: You’ll arrange a closing time with the Closing/Escrow Company. All buyers on the contract and mortgage need to bring a driver’s license for identification. Bring your checkbook in the event there’s a small amount needed to close. If you are due a balance at closing due to an error on the closing statement, the closing company will reimburse you at the closing table.

There are lots of moving parts within a real estate transaction. You can trust that I will be following up at every single step of the way, keeping you in the loop, and moving you forward towards a successful closing.

Step 3. Buying a Home - What and When to Pay During the Buying Process Once you’ve acquired your Pre-Approval letter from your mortgage lender, you are in a position to make an offer on the home you love. Not all expenses are included in the loan closing costs. Here are some of the expenses that you should budget for when purchasing a home that you will need to pay out-of-pocket.

1. Earnest Money. This is a deposit paid by the Buyer to show a good-faith intention to the Seller in the offer and Contract of Sale. Upon an executed Contract of Sale, the earnest money is deposited in to an escrow account and credited back to the buyer at closing.

Home Inspection Fees. Buyers should always plan to have the appropriate home inspections performed when purchasing a home. The home inspections are done with 10-14 business days within the Contract of Sale. Depending on the age and condition of a home, the costs can vary. The buyer makes the decision on what inspections they would like to have performed. I have a list of reputable Home Inspection companies for your consideration in hiring the appropriate home inspector.

3. Appraisal. While your mortgage lender handles the ordering of the appraisal as part of your mortgage loan process, they may require you for a credit card number to secure payment of the appraisal should your transaction not come to

fruition. Otherwise, the fee for the appraisal will appear on your closing statement.

4. Final Closing Costs. Your mortgage lender will provide you with a Good- Faith Estimate of your closing costs when you initially sign for your loan and when you have a Contract in place. This statement will provide you with a break-down of your closing costs, your down payment, and an estimated amount of what will be due from you at closing. The final closing statement is issued by the Title company that is closing your transaction once the lender signals that your loan is clear to close.

Be sure to budget for the out-of-pocket expense.

Step 4. Buying a Home. Know the Difference - Down Payment, Closing Costs and Earnest Money You’ve heard the industry buzz words, “Closing Costs”, but what does that actually mean? After you’ve been pre-approved by a mortgage lender, you will be given an Estimated Itemized Closing Cost Worksheet of all your closing costs. Your lender will explain each of the costs associated with your loan, the prepaid items, taxes, insurance and closing fees from the Title Company. These can vary depending on the type of loan your getting, the sales price, and the type of property you’re purchasing. The overall “closing costs” that will be due from you at closing will contain numerous fees and charges from your lender and your closing company along with the amount required by your lender. Let’s start with the simplest portion – the Earnest Money. The Earnest Money is a deposit of good faith when you make an offer and execute a Contract of Sale between you and the Seller. You’re Earnest Money is deposited in an escrow account and applied to your final closing statement and will reduce your overall closing costs. The mortgage lender will help you determine the amount of your down payment according to type of loan you have applied for. This downpayment is included in your overall final closing costs. In most situations, you can put more money down than the required amount of the loan type. Taxes and Insurance – If you’re financing your home, the mortgage lender will escrow monies for your property taxes and your homeowner’s insurance These two items are included in your monthly mortgage payment. These are considered “prepaid closing

costs” and will appear on the Estimated Cost Sheet and your final Closing Statement. Title sand Abstracting Fees. When there is an executed Contract of Sale, your file will be sent to Title and Abstracting Company to begin processing the steps to clarifying that the property has clear title to complete the sale. There will be a category on your Estimated Itemized Closing Cost Worksheet with the fees from the Title and Abstracting Company. Your lender and the Title and Abstracting company will be working together finalize and balance the numbers for your final Closing Statement. The Title and Abstracting company also balance with the Sellers side of the transaction for any additional credits or fees that were negotiated in the Contract of Sale. The Estimated Itemized Closing Cots Worksheet will give you a baseline of your final closing costs, but they could vary when it comes to closing day. Your final closing statement will be sent to you prior to closing for your review. If you have any questions regarding your closing statement, pick up the phone and call your contact at the closing company. Your final closing costs are due at closing and the Title and Abstracting company will contact you on how to make arrangements to have your closing funds in place for closing day.

What if I’m a cash buyer? Your fees will mostly be the fees the Title and Abstracting charge. Also, included, may be seller paid concessions to the buyer as a result of negotiations in the Contract of Sale. Your homeowner’s insurance and taxes will be paid out of pocket from now on. You too will receive and Estimated Itemized Closing Cost Worksheet from your Realtor and a final closing statement as well.

Step 6. Buying a Home - Don’t Spend Extra Any Extra Money As tempting as it may be to go ahead and purchase a new refrigerator or washer and dryer, making a large purchase could impact your final loan approval.

Keep your expenditures the same as they were when you made your initial loan application. Your initial approval was based on your savings and checking account, retirement accounts, and debt you had when you applied.

The lender will pull your credit one more time before closing day. They may ask you for updated bank account balances just before closing too. Be prepared to provide this information quickly.

They may check your employment status so don’t change jobs during this process. Sadly, people do lose their jobs, so if that happens to you notify your Mortgage Lender ASAP.

What should you not do to affect your credit during your real estate transaction before you officially close it.

Don’t do anything that will affect your debt-to-income level until after closing. Don’t open any new credit cards Don’t go on an expensive vacation. Don’t buy furniture or appliances until after closing. Don’t buy a new car or make any large purchases. Don’t change jobs during the closing process. Be a miser until after closing, then you can shop away!

If a major expense does come up unexpectedly call your lender immediately If you have more questions regarding spending while your mortgage is in process, call you lender for discussion.

Step 7. Buying a Home - Finding Your Dream Home Now it’s time to start looking for your dream home! You’re armed with your preapproval letter and some preliminary education about the home buying process. You’re prepared to begin your home search. I’ll get you set up with our local MLS search with your preferred criteria of wants and needs for your next home. This process with help both of us keep track of your preferred properties. Our MLS feed is the initial source for all other listings on the internet and in most cases, it is the most accurate. Sign up at TulsaRealtors.com for up-to-the-minute information and new listings and price reductions. Inventory in our market is still low and it’s important to tour a property as soon as it hits the market. I take care of scheduling showings so I’ll need to know what days and times you are available. In the event, we are seeing multiple showings, I’ll schedule these homes to save time and travel distance. If there’s a home that you want to see ASAP, shoot me a text or call me, and I’ll get it scheduled pronto! Most occupied homes require some notice for setting up an appointment so try to give as much notice as possible. If the home is vacant, I can usually get a quick confirmation to show. There are usually notes in MLS for Realtors and I’ll notify you of these scheduling requirements. Before we tour a property, I’ll email you the MLS Data sheet, the Disclosures and Addendums to preview and any information stated in the Realtor Remarks on the Sellers behalf. You’ll have this information in your phone when we tour the property. If you have any questions prior to touring the property, contact me and I’ll get the information ASAP.

The best time to preview a home is during daylight hours. I do show houses 7 days a week but we need to be respectful that families have daily morning and evening routines, people do go to church on Sundays, and elderly people may have restrictive showing times. I’ll be networking with other agents to find upcoming listings and I’ll be watching for properties that have returned to the market. My goal is to get to these properties to you as quickly as possible. Nice listings don’t stay on the market very long these days.

Questions are always welcome.

Step 8. Buying a Home - At last, You’ve Found a House You Love. It’s Time to make an Offer! Here are some preliminary items I’ll need to complete and help you structure your initial written offer. Of course, we’ve already discussed your pre-approval letter. It may need updating from your Mortgage Lender to reflect your current offer price. We can discuss as we get closer to confirming your initial offer price. I’ll be providing you with comparable sales data of similar homes that I believe an appraiser would use. I’ll also give you my opinion on the homes value with any pros and cons about the house. We’ll discuss the property condition disclosures for any concerns on your part. To start the paperwork, I’ll need your full legal name(s) or entity your will be taking in title to the property. I’ll add your phone number(s) and email address(es) to the paperwork. We’ll start with the initial offer price. Do not be surprised if a Seller comes back with a counter offer. There could be several negotiations before there is a final agreement between Buyers and Sellers. Based on the sales price of the home, earnest money will need to be included in the offer. This is a good faith deposit that will eventually be applied to your closing statement. A Real Estate Brokerage or Title Company holds the earnest money deposit until closing.

A closing date is entered into the offer. Closings take place Monday-Friday, the same as the banking system. If you’re financing this property, your Mortgage Lender will need 25-30 days to process your loan. Check with your mortgage Lender on their processing timeline. Cash transactions can close within 14 days depending on how quickly the title work can be completed. If you need a longer closing date, this needs to be stated in the initial offer and mentioned whether it is negotiable or a firm date. A Buyer can ask for a concession from the Seller to pay for the Buyer closing costs. There are limits per type of loan for Seller(s) paid closing costs. Verify the Seller paid closing cost with your Mortgage Lender. Asking for this type of concession will most likely affect the Sales price. A Seller may be willing to pay some closing costs but wil most likely l not lower the sale price for the amount of this concession. The down payment is detailed in the Financing Supplement as to the type of loan and amount of loan you’ll be getting. This information is stated on your Pre-Approval Letter. If you to ask the Seller to provide you with a Home Warranty Service Agreement, this can also be a concession in the offer. You have option of asking them to pay for all of it, or just a portion of you, or note that you will be purchasing yourself at no cost to the Seller. If you choose to pay for a home warranty yourself, you can add the lump sump to your closing statement, or after closing, sign up with a home warranty company. You may be able to pay monthly payments instead of paying a lump sum. Timeframe in the offer for Inspections, Investigations and Reviews. This is normally a 1014 day time frame in which you can get your home inspections and check on homeowners insurance. We’ll discuss the scope of home inspections so you can be ready to get a quote for all your inspection services. Time Termination Clause. The Oklahoma Real Estate Commission requires an end date for an offer. We can discuss this upon writing the initial offer. Other Contingencies: If your current home is under contract and you must sell before you buy, you could potentially submit an offer with this situation. Usually, the Mortgage Lender notes this in their Pre-Approval Letter. Your offer will be subject to you fulfilling your obligation for the type of contingency you ask for.

Step 9. Buying a Home - Review All Disclosures Prior to Writing the Offer The home buying process has a number of disclosures that are acknowledged between the agent, brokerage, and between Buyers and Sellers. All disclosures are acknowledged in writing! As a Buyer, you will sign disclosures with my brokerage, the home inspectors, your lender and the closing company. During our initial meeting, I’ll be handing you pamphlets for the first three items below. I am required to give these to you so you can be informed as you go through the process. 1. The Greater Tulsa Association of Realtors Contract Guide which explains the language in the Contract of Sale. 2. Fair Housing Pamphlet which is a Federal Law regarding discrimination in the Housing Industry. 3. Lead Base Paint disclosure applies to homes built prior to 1978. A Seller must disclose any knowledge or previous knowledge of Lead Base Paint. This is also a Federal Law.. 4. Residential Property Condition Disclosure. A Seller discloses knowledge of the condition of the home to the best of their knowledge on specific items such as the roof, non-working items, previous termite infestation, etc. Additional disclosures can be explained by a Seller in writing and attached to this form. 5. What you need to know about Broker Services. This disclosure is my oath to you in serving you in accordance to the National Association of Realtors Code of Ethics on both state and national levels. It also states my performance duties to all parties in a transaction.

6. Chinowth & Cohen Realtors also has disclosures pertaining to purchasing a home. These are designed to make you aware of other potential situations that can occur when purchasing a home and how important it is for you to honestly disclosure all information about your home.

7. Wire Fraud Advisory. This form alerts both Buyers and Sellers of the potential of wire fraud during the transfer of funds during a real estate transaction. We do our very best to circumvent this situation with secure email safeguards and communication.

Step 10 – Buying a Home. What a Home Warranty Plan Can Do for You. A home warranty plan protects the appliances and systems in your home: major home appliances, electrical, plumbing, and HVAC systems just to name a few. Having a home warranty in place can give you some peace-of-mind when there’s a need for a repair after you close on your new home. Unlike your homeowner’s insurance policy, which protects your home from covered perils, a home warranty is a service contract that covers general wear and tear. When you know that some of your systems such as your HVAC unit or hot water tank may be near the end of their optimum performance, a home warranty plan can help you minimize future repair costs. Home warranty service calls do require a trade service fee upfront, but they can cover most or all of a major repair including parts and labor. You’re portion of the repair cost may only be the trade service fee. When your real estate agent is writing your offer, you have the option of asking a Seller to pay for a one-year or even 2-year home warranty service plan for you. You can also purchase yourself and include the cost in your closing fees/ You can also purchase a home warranty after closing. Some companies offer a monthly policy fee instead of a one-time lump sum payment. Your agent should be able to provide you with several Home Warranty Companies so you can investigate and choose the one you like the best. If you search for home warranties online, just be sure they offer their services in Oklahoma.

Here’s a list of some of the most popular Home Warranty Companies. Check them out online for their plans and coverage of the components in your home. American Home Shield

www.ahs.com

First American Home Warranty

www,firstam.com

Old Republic Home Protection

www.orhp.com

How does a Home Warranty work? When you have a plan in place and are in need of a service call, you call the Home Warranty Company directly and ask for a service call. The Home Warranty Company will contact their service repair vendor in your area who in turn calls you to schedule a service call. You pay that vendor the trade service fee when they arrive to evaluate the repair. The trade service fee is paid only once per service call. If the contractor makes multiple trips to do your repair, you are not charged the trade service fee per trip. The service repair vendor evaluates the situations and then proceeds with acquiring the parts and completing the repair. A Home Warranty Company does not reimburse for a repair that a homeowner schedules and pays for out-of-pocket. Home Warranty Plans are well worth considering, so be sure to investigate. They could potentially save you big bucks on future repairs.

Step 11. Buying a Home - The Wheels are in Motion for Your Accepted Offer. It’s Now an Official Contract. Congratulations! It’s an exciting time now that you and the Seller have a fully executed Contract of Sale. All the paperwork has been signed and the earnest money received, and you’re on to the next step of the Home Inspections. This is the time to get quotes on your Homeowners Insurance for your new home. Be sure to send your Mortgage Lender the Homeowner’s Insurance Agency’s contact information and vice versa, to the Mortgage Lenders information to your Homeowner’s Insurance Agency. Your Mortgage Lender will receive a copy of the executed Contract of Sale and pertinent addendums as soon as everything is signed. I email all the information to your Mortgage Lender along with a copy of your earnest money check, and the earnest money receipt. They’ll be in contact with you during the underwriting process for final loan approval. Right now, you’re only pre-approved. Your Mortgage Lender will be asking you for additional documentation during the underwriting time frame. Please respond to their requests as quickly as you can. There is a method to their madness so to speak, so respond promptly, and don’t hesitate to reach out to them if you need help understanding a required document. I also send your file to the Title Company for them to begin all their tasks to finalize your closing. Their Attorney will be reviewing the abstract to make sure that you’ll be taking a clear title at closing.

They’ll also be in contact with you and will be coordinating with your Mortgage Lender throughout the transaction in preparation for your closing documents. There’s a lot of moving parts to a real estate transaction and getting to the closing table. Everyone does their part in a timely manner to make it as smooth as possible. I’ll be checking on everything in this process and keeping you informed. Once your paperwork is in the hands of your Mortgage Lender and the Title Company, any monies that are to be exchanged at closing will be handled by them exclusively. Should you receive and email, text or phone call regarding a wire transfer that you think is not from your Mortgage Lender or Title Company, it could be fraud. Reach out to all of us ASAP before you make a wire transfer.

Step 12. Buying a Home - How the Home Inspections, Investigations & Reviews Period Process Works Now it’s time to get your home inspections scheduled and begin any investigations of your own which includes your home owner’s insurance quote and coverage. Another item that a Buyer reviews during this time period if applicable, is the Homeowners or Condo Owners Association Rules and Restrictions. You normally have between 10-14 business days to get your home inspections performed and review the reports before submitting a repair request to the Seller(s). Once you’ve decided on what repairs, replacements or treatments you want the Seller(s) to cover at no cost to you, we’ll submit a written form and then begins a 7-day period for a response from the Seller. Per the Contract this is a negotiation period too. We’ll discuss the scope of inspections you might want to schedule depending on the age and condition of the house. A newer home may need fewer inspections than an older home. Most home inspectors work Monday – Friday, 8 am – 5 pm so you may need to arrange to be away from work. It’s important that you attend the home inspections so the home inspector can show you some of his findings while you’re there. You’ll also learn about some of the features of the house. Home inspection reports are quite thorough these days with photos and drone photography. You’ll learn the condition of the major systems components, heating and air conditioning, roof, structure, plumbing and electrical. The home inspector may recommend qualified contractors if he feels there is a need for further investigation. Each inspector will provide you with a written report.

Home inspections do not include cosmetic issues such as paint touch up, replacement flooring, clean the guttering, or replace outdated items. You can expect the home inspector to find items that are in non-working condition. Even if the item is old, if it’s working, it’s considered in working condition. Unless you are purchasing new construction, no home is going to be perfect. Plan on 2-3 hours depending on the size of the house. Bring a form of payment, credit card or check as home inspections are paid for at the time services are performed. All home inspections fees are the Buyer’s responsibility. Please do not invite friends or family to stop by during the home inspections. This can be a distraction and inconvenience to the home inspectors trying to do their job. We can set up a time for your family or friends to tour after the home inspections. The home inspection day is a good time to measure rooms, or the garage, and take additional photos if you plan on remodeling an area. After reviewing all the reports, I recommend making a list of the most important items you’d like to ask the Seller(s) to repair that are deal breakers if they can’t be negotiated. Pay attention to the higher ticket items, roof, structural, heating and cooling units. Make a second list of items that you’d like to ask the Seller(s) to repair that are not deal breakers. And, make a third list of items that are not important to you or that you could repair yourself. Some Sellers will offer a credit towards your closing costs in lieu of doing the repairs. This would mean that you would handle the repairs yourself with the reduced amount of money that you would be bringing to the closing table. You have a right to have your inspector re-inspect the repaired items once the repairs are completed. They may be an additional cost for this service and the home inspector usually lets you know how much they would charge you for a re-inspection of the repairs.

Home Inspection Companies You can trust that these reputable home inspectors will be looking out or you.

Step 13. Buying a Home - Scheduling the Home Inspections & Investigations The Contract of Sale specifies a time frame to perform the home inspections, any investigations and your time to review the reports. The time frame is set forth in the Contract of Sale and usually extends between 10-14 days. This is known a2 the Time Reference Date in the Contract of Sale. Depending on the age, size and condition of the property, you’ll be able to determine the scope of the inspections that you may need. We’ll go over some of these items as they are outlined in the Contract of Sale. The Property Condition Disclosures may also alert you to have a specific element of the home inspected such as the roof, or a noticeable foundation issue. We’ll discuss what kind of home inspections are available for the home you are purchasing. For instance, an older home may require a more in depth look for foundation issues. Home inspection costs start at around $450 for a general home inspection. Most buyers add a roof inspection, termite, sprinkler system, and structural evaluation. Budget around $1,000. If you’re purchasing a large house, the costs will increase. When the inspections are completed and you have reviewed the reports, you have the option to request that the Seller take care of the repairs at no cost to you. This is a negotiation in the Contract of Sale. The negotiation period is seven days from the time your repair request is delivered to the Seller The inspection reports are shared with the Seller to review along with the written repair request.

At this point in the process, if you are dissatisfied with the outcome of the inspections, you can terminate the Contract of Sale and received a full refund of your earnest money if you’re within the Time Reference Date Timeline. Home inspections are paid for at the time the services are rendered so plan on bringing your checkbook or credit card. A Seller may advertise that they are selling their property in “as is” condition. Per the Contract of Sale, you still have a right to perform home inspections and make a decision on whether you want to continue with your purchase based on the outcome of the home inspections. You can ask a Seller to take care of a repair or ask for a price reduction or concession to cover the cost of an important repair. My List of professional home inspection companies follow this page.

Step 14. Buying a Home - Repairs made by the Seller It’s very likely that you and the Seller negotiated some repairs as a result of the home inspections. The Seller does have the prerogative of choosing their own contractors to complete the repairs. They may even do some of the repairs themselves. I do request that a Seller use licensed professional contractors for repairs but sometimes they choose to do the repairs their own way. When it comes to a major repair that is out of a Seller’s ability to perform the repair, we will request a copy of a paid invoice and a warranty if it’s a repair the warrants that. An example, would be a roof replacement, structural repairs or chimney repair. Stated in the Contract of Sale is language that gives you the right to enter the property for a re-inspection of the repairs. Should the repair not be satisfactory, we can contact the Seller and let them know. If this can’t be negotiated, then you can submit that you want to terminate the contract. An option for the repairs is to ask the Seller for a monetary concession to be applied to the closing statement and then you can take care of the repairs after closing. This concession would most likely be applied to your closing costs or the Seller could submit a paid invoice to a contractor whom you would be restricted to have them do the repairs. Of course, this is on a case-by-case basis. Every repair scenario is unique to the transaction, and we will fully discuss what’s best for you to give you peace of mind in the home that you’re purchasing.

Step 15. Buying a Home - Preparing for Your Move When you begin your packing process is up to you and your exit timeline of where you are living. You may have a little to move, or a lot to move. It may take you an entire month, or just a couple of weeks to organize your move

Most buyers gauge the greenlight to get serious about packing after the home inspections are completed. You plan on moving so purging your home of unwanted items can certainly begin before you ever

Here’s some helpful tips. Sorting and removing unwanted items. We all have them but sometimes they don’t surface until we are preparing to move. Of course, there will be items that you just want to toss. Make your pile and determine if your local trash hauler can remove your toss-away items for your of if you need a service to pick up your unwanted items. If you still have useable items but don’t want the hassle of trying to sell them, there are groups on Face Book where you can offer for free with pick up at your curb. Face Book Market Place is a good source if you have items to sell. I’ve found it to be secure and have dealt with reliable sellers and buyers. Charitable Donations. There are plenty of local charity organizations that will pick of your gently used goods and furniture. You can find them online at “Tulsa charitable donation pickup”.

Now that you’ve sorted out the things that you don’t want to move, you are ready to get packing and schedule your moving company. I’ve listed some movers below that my clients have used and were happy with the service and care these companies took to get them into their new home. Be sure to ask the moving company if they can be flexible with your closing date. Also ask if they’ll move your lawn equipment. Some won’t if there’s gasoline involved. Other items they may decline to move is a Chiminea or your pretty ceramic flower pots. U-Haul Locations, Lowe’s and Home Depot have a good selection of boxes moving supplies. If you need a professional packing service, I will find you one. Some of the larger moving companies offer this service too. See my list of Vendors that can help you with your move on the next page or in my Local Resources Page. Don’t mind second hand moving boxes? I can reach out to my fellow associates to try to locate used moving boxes from a buyer that has recently moved.

Step 16. Buying a Home - What is an Appraisal? A home appraisal is a process through which a real estate appraiser determines the fair market value of a home. It can assure you and your lender that the price you've agreed to pay for a home is comparable to other properties in the are. Why do you want the appraiser to determine a higher value for the home? A Lender can only lend up to the appraised value of the home. This ensures the lender and the home buyer are paying a fair price for the home. It also helps ensure the lender won’t face a total loss if the homeowner defaults on the loan. A low appraisal could derail a home sale. If the appraisal comes in lower than the sales price, the home buyer will not be able to borrow enough money to cover the price of the home. They’ll either have to pay the difference out of pocket or re-negotiate with the seller to drop the price. Here are the steps once your Lender orders the appraisal. The appraisal is ordered by your lender and submitted to a company the selects thirdparty certified appraisers on a random, rotation basis. You cannot select your own appraiser nor can your lender. Once the appraiser job is accepted by an appraiser, he/she will contact the Sellers agent to schedule a date and time to perform the appraisal. This process can take up to 10 days from start to finish. The appraiser with be looking for sales of properties comparable to yours in that specific area. The Buyers do not attend the appraisal appointment. A Seller may be present but that’s up to the Seller.

The completed appraisal is sent to your Mortgage Lender and reviewed by the underwriter before you receive the outcome. The Seller does not receive a copy of the appraisal unless the property does not appraise. It remains confidential unless you choose to share it as a result of a low appraisal. As mentioned above a low appraisal can derail your purchase There is, however, the option to negotiate the sales price. You have a 3-day period as stated in the Contract of Sale to negotiate a new price and if the Buyers and Sellers cannot agree, then the contract becomes null and void. You’d receive a full refund of your earnest money. The estimated cost of an appraisal starts at around $500. The larger the property, the higher the cost. Your Lender will give you an estimate of how much the appraisal will cost in your initial list of closing costs. Your Mortgage Lender may ask you for a credit card for payment in the event the transaction does not come to fruition. They will charge you for the appraisal services which is part of your closing costs. Be sure to ask your Mortgage Lender to send you a copy of the appraisal and hang on to it for future reference. It may come in handy when you get ready to sell your home in the future. You can use the square footage measurement by the appraiser for accurate data when your home is entered into the MLS system. If you will forward a copy of your appraisal to me, I will print and include in your Buyer’s Closing Booklet that I will prepare for you to receive at closing.

Step 17. Buying a Home - What is the Abstracting, Attorney Review and Title Commitment Process? In the State of Oklahoma, all property has a recorded history of how it has transferred from owner to owner. Abstracts date back to when the Native Americans deeded their land to the government who in turned sold to private citizens. Title and Abstracting companies work make sure your title is clear for closing. They go above and beyond to help you if there is a situation that needs to be addressed before closing. Abstracts are stored at local county abstract storage businesses. When your Contract of arrives at a Title Company, the abstract to the property you are purchasing is requested to review by the Title company attorney. The abstract storage company will bring the abstract up to date by acquiring copy of any transaction or change in ownership of the property. The Title company attorney will then review and write a Title Opinion that validates that you are receiving clear title of the property without any liens, encumbrances, or past improper exchange of the property. The Title Opinion or Commitment, is then sent to the Title Insurance Company for approval of your Title Insurance Policy for both the Mortgage Lender and the Buyer(s). This step is required by your Mortgage. The cost of this insurance policy is included in your closing costs from your Mortgage Lender. A Title Insurance Policy is a one-time charge. It protects you in the event there is a title issue while you own the home. One other requirement in the Title Opinion is a Platt Survey provided by the Seller.

The survey shows the property lines, utility easements, encroachments and where the home sits on the property. The plat survey is not intended for building purposes. Always, before your dig on your property, get your utilities marked by OKIE811. It’s free service. You can schedule online at www.Okie811.org. There’s no charge for this service. Be sure to answer calls and emails from the Title Company as soon as possible. The Title work is one of the final steps performed by the Title Company. I will follow-up with your Lender and the Title Company about 10 days prior to closing to check the status of your file.

Step 18 – Buying a Home. Scheduling Your Closing Of course, you’re putting your closing on your calendar with a big red circle around it, but here’s some things you should know. The title company and your lender will be coordinating your closing. I will be in touch with everyone processing your file when it gets close to closing day. Closings dates and times can change. The final “clear to close” could get delayed by the Mortgage Lender. This could be from something in underwriting or an issue at the Title Company. Both entities might need a little more time to finalize your file. You might schedule either your morning, or afternoon for time off from work in the event there is a delay that happens when you arrive to your closing. It could be something as simple error or missing signature by the Sellers side, or your wire transfer for your funding has not arrived yet to coincide with your closing time. A closing with a Mortgage Loan may take up to 2 hours to allow for the paperwork and funding from your Mortgage Lender. Closing a cash transaction can take less than 30 minutes for the paperwork. Of course, the funding must be at the Title Company to close the transaction. Bring your identification and your check book in the event there’s an error on the closing statement. If there’s an overage on your closing statement, the Title Company will reimburse you on the spot. The actual closing time can be penciled in with the Title Company ahead of time, but it won’t be confirmed until the lender gives the clear to close. It’s best to attend closing in person. If you cannot attend closing, please notify your Real Estate Agent, Title Company and Mortgage Lender for possible ways to close remotely.

The Title Company will send you an encrypted email with your wire instructions to take to your bank to arrange to have your closing funds wired to the Title Company. If you have any suspicions at all that the email sent to you in not legitimate, pick up the phone and call your contact at the Title Company before you transfer any money. D Wire fraud does happen in real estate transactions and closings are especially targeted by scammers. I personally will not contact you regarding any monies around closing time.

Step 19 – Buying a Home. The Re-Inspection and Final Walk Through If the Seller has agreed to repair items in the home as a result of the Home Inspection, you have a right to have Home Inspector return for a re-inspection. They may be a small fee for this and the Home Inspector will inform you of this fee during the initial Home Inspections. Otherwise, you can take the repair list form with you and check off the repairs yourself. We will be asking the Seller to provide paid receipts, warranties, and any other information regarding the repairs. The final walk through happens after your Mortgage Lender has given you the clear-toclose. The purpose of this walk through is to determine that the Seller left then house in its same condition as when you and the Seller signed the initial contract and no damage has been done to the home. Should damage be found in the house, the closing can be delayed a few days/weeks to allow the Seller to address the repairs. The Seller could provide you with a credit or concession to cover the repairs and you hire the work yourself. Should a Seller fail or refuse to take care of the repair, you can cancel the Contract and walk away.

Specific items to look for at the final walk through. You’ll want to make sure the appliances in the home are the same ones that were initially in the home. Most home inspectors take photos and capture model and serial numbers. You’ll be looking for all items agreed to in the Contract of Sale, such as window treatments, lighting fixtures etc., built-in appliances and attachment to the home.

Test the HVAC and check that the hot water tank is working. All trash should be removed by the Seller with the exception of the trash receptables that are picked up by the trash removal contractor. If there is additional trash on the curb, the Seller should be notified immediately to remove it. The Seller should have all personal items out of the house including food out of the refrigerator. I will be checking with the Sellers agent for appliance manuals, operation manuals and warranties. I’ll also make sure the garage door openers and keys to the property will be at closing. Door codes, additional keys, and passwords to the alarm systems and any smart home devices that are left with the house will be exchange at closing.

Step 20. Buying a Home - It’s time to arrange for your new utility services & homeowner’s insurance Plan on setting up your new utility services once you have the “” from your lender and a firm closing date. Scheduling these services too early may cause you to have to reschedule them if there is a change in the closing date. Start your utility services the day of closing. You may need to set up your internet service installation the day after closing as you will not have access to the property until after your closing. You’ll need your devices at your new home and you’ll need to be present for the internet service technician to install your new service. As for your homeowner’s insurance, you’ve already communicated with them early on in the process, when you inquired about coverage and rates for your new home. Your lender will get verification near the end of the underwriting process. You’ll need to touch base with your insurance company just before your closing date. After you close, you can expect a number of service providers to reach out to you for additional services such as security systems, window treatments, or lawn services. These companies also reach out to me for your contact information which I assure you that I will never share with any vendor without your permission. See my list of professional, reputable vendors You can find them in my Local Resources pages. They can help you with services before or after you move in to your new home. Don’t hesitate to call if you have a situation where you need a special contractor. I have endless resources. My services don’t end after the sale.

Step 21. Buying a Home. “Clear to Close” – Oh those Magical Words! Closing day is on the horizon. You’re almost there! Just a few more steps and you’ll be at the closing table. “Clear to Close” is when your Lender has approved all the necessary requirements for your FINAL Loan Approval. You may get asked for a few more documents shortly before the final approval to update your file. You’ll be receiving your closing statement with the final numbers and wiring instructions for your wire transfer.

Now it’s time to……. We’ll schedule the final walk through to happen before closing. This is the perfect time to transfer or set-up utilities services and your internet provider. The contacts were provided to you earlier in the transaction and if you have any questions, let me know. You can inform your Homeowners Insurance Company of your closing date to implement your new policy. Don’t worry. Your Lender will have been in touch with your insurance company by this time and alerted them of your closing date.

You might go ahead and schedule a locksmith to change the locks and get your security system installation and cameras installed. Get your internet services scheduled ahead of time so you can be ready to be online when you make your move. Finalize your moving plans. The day and time for closing will be scheduled with you by the Title Company. All parties involved will the scheduled accordingly to make your closing go smoothly.

Step 22. Buying a Home - Getting Your Down Payment Ready By this time, you’re just waiting for the Mortgage Lender to finalize your closing statement. Have your down payment funds in place be ready to transfer the funds as soon as you receive your final numbers. Your final numbers are determined by your Mortgage Lender, your Title Company and a Sellers Title Company. Sales Price, Lender fees, County fees, your escrows, pro-rated taxes and deposits are balanced on the closing statement. You’ll have an opportunity to review the closing statement before you transfer your closing funds. Unfortunately, the final numbers do not arrive until very close to closing date. Be flexible in having time to go to your bank for the wire transfer. Title companies operate within banking hours and there is a cut-off time of day for wire transfers. Your Lender and Title company will make you aware of this cut off time. If you initiate your wire transfer late in the day, it won’t arrive until the next day. Your Lender will be asking for a specific account so again, be prepared with all your funding to be transferred from one account as the funds have to be tracked. Be flexible times to transfer your funds and with closing time. And once again, you will be working with your Mortgage Lender and Title Company when it comes to transferring your funding.

I recommend when you receive your initial email with your wire transfer instructions, you pick up the phone and verify with the Title Company. I am not involved in this portion of your closing. IF YOU DO RECEIVE AN EMAIL FROM ME CONCERNING YOUR WIRE TRANSFER, IT’S FRAUD! CALL ME, THE TITLE COMPANY AND YOUR BANK ASAP!

Step 23. Buying a Home - Hooray! It’s Closing Day! The day has come to start a new chapter in your life in your new home. Your closing is scheduled and you’re ready to cross the finish line. Bring your driver’s license to closing. Be flexible should there be a short delay but plan on 1-2 hours for closing. You’ll receive the keys to your new home, the garage door openers, and gate codes, etc. once all your paperwork is signed and the loan is funded. The Title Company will furnish your with all of your closing documents, and I will have prepared a booklet of all your documents associated with the purchase of your new home. Congratulations on your new home! I hope you make many happy memories with family and friends as time goes by. Your business is sincerely appreciated and I hope the buying experience was good for you! I enjoyed working with you. Please keep me in mind when friends, co-workers or family member need help with buying or selling real estate. Contact me anytime you need a contractor referral or have a question. My service doesn’t end after the sale. Best Wishes!

Linda

Step 24. Buying a Home - Wrapping Things Up After Closing Hopefully, by this time, you are getting settled in your new home. Here’s just a few more items post- closing. Make sure you file any warranties on any new home systems or new appliances. If you initiated a home warranty, watch for their emails or policy packet by mail. You can check online Ito make sure your policy is in force. If there are any issues, call me and I’ll get the local representative involved. Your might be in a neighborhood with a Home Owners Association. Touch base with them for gate codes or make sure you’re on their mailing list or email data base for HOA meeting and events. In 30-60 days, you should receive your Title Insurance Policy. Keep this with your important documents so you’ll have access to it should you every need it. Be sure to mark your calendar for December 1st and file your Homestead Exemption for a discount on your property taxes. They must be filed by the following March 15th of the year after you close. Your Title Company should have provided this form and information in your closing packet. If not, I can help you with that information. Lastly, I’m hoping that you’ll be willing to write a review or testimony for me. This will be posted on my web page and shared in my Buyer & Seller packets. You can review some of my past client’s testimonies at lsmalley@cctulsa.com. It’s up to you how you wish to sign your name if you don’t want it to be publicly displayed. First names, initials and “The Happy Family” is just fine!

Most of my business comes from referrals and word of mouth. Please keep me in mind when family, friends, neighbors or co-workers need real estate assistance. I’m always available to answer real estate questions, so feel free to pass my contact information along. I would sincerely appreciate your referrals.!

Congratulations on your new home!

Local Resources to help you when Selling or Buying a Home Click on the links below for complete information

Local Mortgage Brokers and Mortgage Bankers

Local Home Inspection Companies and Repair Contractors

National Home Warranty Companies

Local Abstract & Tile Companies

What My Clients Say:

It was refreshing to work with a real estate agent that was always available when we called, texted or emailed. She always responded quickly, and helped us every step of the way with the highest level of professionalism. Buying a home is a stressful situation, but we had confidence throughout the process knowing that Linda always had our back. I highly recommend her every chance I get. Thank you, Linda for helping us find our wonderful new home! Brian & Megan – Broken Arrow I was happy that Linda was available to help me transition from Dallas to Tulsa. In a tight market, we found exactly what I was looking for. It was a quick transaction and Linda kept me informed and helped me make decisions to get us to the closing table fast. She is a hard worker, very personable and her knowledge of the Tulsa market is top-level. Steve V. Linda helped me sell my parents rural property, and then purchase a home for myself. She never wavered in her diligence to get me through both of the transactions which were night and day in comparison. She goes above and beyond in her profession. If you’re looking for an excellent real estate agent, you should call Linda! G.M. Tulsa I bought a home! Thank you to Linda Smalley for all your guidance, help and work! Seriously, if you’re looking for a real estate agent in the Tulsa area, she’s amazing! M. Musgrave "Linda Smalley was my realtor when I needed to find a home quickly this past summer. She listened to all of my requirements and emailed me a list of homes within the hour. She made this whole experience much easier for me, and was always there whenever I needed her" - Suzy McClain, Midtown Tulsa When looking for a Realtor, my son & daughter -in -law referred Linda Smalley at Chinowth & Cohen and I thank my lucky stars they did. We were not sure whether we wanted a smaller house or a Condo. We started looking and the pandemic came along. Linda was constantly sending properties online and continued to do so. Linda was so patient and I knew how busy she was yet she would drop everything to show me a property! At the time my husband was overseas so I was alone facing selling my house and buying a property which was intimidating. Linda took me North, South, East & West and even out to the

lake. We finally found a condo and Linda walked me through the purchase process and the Title Company process and it went so smoothly. While I was out of town, she staged my house and listed it and it sold in 2 days. If you are looking for an experienced, knowledgeable and detail-oriented Realtor You should call Linda Smalley…she is the best!! Elaine B – Catoosa to Tulsa "I am writing to tell you how pleased I am regarding our new home purchase in Tulsa. My husband started a new job in June that required us to move from a town of 800 people in Wyoming to Tulsa. We have lived in the same home in Wyoming for the last twenty years, so the thought of purchasing a new home in a different state, and less rural setting, was daunting. Fortunately, I was referred to Linda Smalley to assist us in finding a home. Working with Linda and finding a home was anything but daunting; in fact, it was a lot of fun! I had a short time period to find something suitable (four days) and Linda made sure she was available to me, anytime of day, to answer questions, show properties, and give me a rundown of Tulsa culture. It had been so long, since we had purchased a home, I had a lot of questions. Linda patiently answered them all. She went above and beyond to help with resources (nothing to do with real estate), places to eat, and airports close where I could possibly land and hangar my plane. No matter what time, we decided to meet, Linda was there early. Any question I asked (no matter how random), I got an answer...even if it meant she went home and found it long after I’d forgotten. In short, she follows through on everything she says she will. In four days, I found my dream home in Oklahoma, and I fell in love with Tulsa because Linda was so knowledgeable about the area. If there are more people like Linda in Tulsa, who wouldn’t love it here? We closed on our house in August and I am here in Tulsa getting things set up for a few days. Linda has been in constant contact with us during the closing process and stopped over yesterday with a beautiful housewarming gift. She patiently answered several more questions I had regarding shopping, restaurants, and airport hangar space. I love my home and can’t wait to spend more time here. Thank you for loaning Linda to us while we were looking. She is amazing." - Joel & Lori Olson

that fit our needs and the needs of our clients. She is extremely responsive and willing to go above and beyond to keep an eye out for potential houses. She is very flexible and willing to recalculate perimeters when our needs or our clients' needs change or unforeseen obstacles arise. We really appreciate her gracious attitude and eagerness to assist. It makes our lives a whole lot easier knowing that Linda is on our team and keeping an eye out for our best interests. Thank you very much, Linda" – N & T, Real Estate Investors Tulsa, OK

When we decided to make Tulsa our new home, we contacted Linda to help us get to know Tulsa and the Tulsa real estate market. She diligently showed us a number of areas in Tulsa matching our wish-list criteria from Glenpool, Jenks, South Tulsa, Broken Arrow and Mid-town. For us, the Mid-town area was love at first sight! We are currently leasing in Mid-town until our home in Idaho sells and when it does, Linda will be the one to help us with our home purchase in Tulsa. She is a delight to work with and so very knowledgeable about Tulsa!" - Dave and Sherry, Boise to Tulsa "Linda was able to get our luxury home sold at a time when the market was not good in our price range. She consistently marketed our home, held open houses and kept us abreast of feedback on showings from agents and open house attendees. She was very organized and effective during the negotiation process, inspections and final closing details. We have recommended her too many of our friends" - Joe and Kay, Tulsa, OK "Linda. This letter is to thank-you for all the help you gave Fred and I with the buying of our new home in Coweta, OK. It was a huge move for us as a lot of personal things were going on. Living in Florida and wanting to move back to my home state of Oklahoma, you helped us so much along the way with all the emails of pictures, land, leading the ground work you did for us being so far away was fantastic! I shall recommend you to whoever asks 'Do you know a good Realtor?' Linda Smalley with Chinowth and Cohen. Thanks again. We love our home and our "little" town our "little" town of Coweta" - Fred & Marquetta Lyons, Buyers, Coweta, OK When looking for a Realtor, my son & daughter -in -law referred Linda Smalley at Chinowth & Cohen and I thank my lucky stars they did. We were not sure whether we wanted a smaller house or a Condo. We started looking and the pandemic came along. Linda was constantly sending properties online and continued to do so. Linda was so patient and I knew how busy she was yet she would drop everything to show me a property! At the time my husband was overseas so I was alone facing selling my house and buying a property which was intimidating. Linda took me North, South, East & West and even out to the lake. We finally found a condo and Linda walked me through the purchase process and the Title Company process and it went so smoothly. While I was out of town, she staged my house and listed it and it sold in 2 days.

If you are looking for an experienced, knowledgeable and detail-oriented Realtor You should call Linda Smalley…she is the best!! Elaine B – Catoosa to Tulsa "I am writing to tell you how pleased I am regarding our new home purchase in Tulsa. My husband started a new job in June that required us to move from a town of 800 people in Wyoming to Tulsa. We have lived in the same home in Wyoming for the last twenty years, so the thought of purchasing a new home in a different state, and less rural setting, was daunting. Fortunately, I was referred to Linda Smalley to assist us in finding a home. Working with Linda and finding a home was anything but daunting; in fact, it was a lot of fun! I had a short time period to find something suitable (four days) and Linda made sure she was available to me, anytime of day, to answer questions, show properties, and give me a rundown of Tulsa culture. It had been so long, since we had purchased a home, I had a lot of questions. Linda patiently answered them all. She went above and beyond to help with resources (nothing to do with real estate), places to eat, and airports close where I could possibly land and hangar my plane. No matter what time, we decided to meet, Linda was there early. Any question I asked (no matter how random), I got an answer...even if it meant she went home and found it long after I’d forgotten. In short, she follows through on everything she says she will. In four days, I found my dream home in Oklahoma, and I fell in love with Tulsa because Linda was so knowledgeable about the area. If there are more people like Linda in Tulsa, who wouldn’t love it here? We closed on our house in August and I am here in Tulsa getting things set up for a few days. Linda has been in constant contact with us during the closing process and stopped over yesterday with a beautiful housewarming gift. She patiently answered several more questions I had regarding shopping, restaurants, and airport hangar space. I love my home and can’t wait to spend more time here. Thank you for loaning Linda to us while we were looking. She is amazing." - Joel & Lori Olson

"As a first time “on my own” home buyer, I needed a realtor who could watch out for my interests and protect me. I did not know Linda at all when I expressed an interest in an online listing. From the first phone call to my closing, she took care of me. She was patient and explained everything in a language I could understand. Linda and I connected from the beginning - she is so personable and never tried to push me towards any decision I wasn’t comfortable with" - Jan O. "Linda has been an absolute pleasure and delight to work with. As real estate investors, it's imperative to receive timely information on potential properties that fit our needs and the needs of our clients. She is extremely responsive and willing to go above and beyond to keep an eye out for potential houses. She is very flexible and willing to recalculate perimeters when our needs or our clients' needs change or unforeseen obstacles arise. We really appreciate her gracious

attitude and eagerness to assist. It makes our lives a whole lot easier knowing that Linda is on our team and keeping an eye out for our best interests. Thank you very much, Linda" – N & T, Real Estate Investors , Tulsa, OK

"When we decided to make Tulsa our new home, we contacted Linda to help us get to know Tulsa and the Tulsa real estate market. She diligently showed us a number of areas in Tulsa matching our wish-list criteria from Glenpool, Jenks, South Tulsa, Broken Arrow and Mid-town. For us, the Mid-town area was love at first sight! We are currently leasing in Mid-town until our home in Idaho sells and when it does, Linda will be the one to help us with our home purchase in Tulsa. She is a delight to work with and so very knowledgeable about Tulsa!" - Dave and Sherry, Boise to Tulsa "Linda was able to get our luxury home sold at a time when the market was not good in our price range. She consistently marketed our home, held open houses and kept us abreast of feedback on showings from agents and open house attendees. She was very organized and effective during the negotiation process, inspections and final closing details. We have recommended her too many of our friends" - Joe and Kay, Tulsa, OK "Linda, This letter is to thank-you for all the help you gave Fred and I with the buying of our new home in Coweta, OK. It was a huge move for us as a lot of personal things were going on. Living in Florida and wanting to move back to my home state of Oklahoma, you helped us so much along the way with all the emails of pictures, land, leading the ground work you did for us being so far away was fantastic! I shall recommend you to whoever asks 'Do you know a good Realtor?' Linda Smalley with Chinowth and Cohen.....Thanks again. We love our little home in home and our "little" town of Coweta" - Fred & Marquetta Lyons, Buyers, Coweta, OK "Linda is very professional, thorough and has great follow through. These are great qualities for a Realtor. I would recommend her to list and/or help you find a house" - Kristine Stover-Walsh, Tulsa, OK "Linda is the best realtor I have ever dealt with. She lines up lots of houses to look at in your price range. She is very organized, detail oriented and extremely nice and personable. She is very persistent and does her job extremely well. I would recommend her to anyone needing a realtor" – L. French, Tulsa, OK "Top qualities: Great Results, Personable, High Integrity" "I've known Linda for many years. In fact, I have her to thank for hiring me early on in my restaurant career with Interurban. She was and still is a great leader. Very professional and well-s liked by our restaurant customers and employees. I have catered several events for Linda and the charity functions she volunteers for. She is always a pleasure to work with and a great organizer. I've never seen her stress out over

anything. All in all, a wonderful compassionate person who gives 110% in all she does. If I ever need a real estate agent, she's the one" - Craig Baxter, Owner of Baxter's Interurban, Tulsa, OK "We worked with Linda Smalley for almost two years looking for a house that fitted all our needs (family of 5). Linda was always patient never trying to sell us something that wasn't quite what we were looking for and at the same time always ready to show us any new available options. We have actually become friends in the past two years and truly enjoy her company. After a long time of searching, we finally purchased a house in midtown for the lot. Linda lost out on that deal since the price was considerably lower than the houses we've been looking at. She graciously helped us through the entire process and we are now building. Once the house is built Linda will list our current property as well. We will continue to get together on occasions only because we absolutely enjoy Linda's company and she's honestly become part of our family. If you're looking for someone who is very professional without being at all pushy for the sale you've found the perfect candidate in Linda. She wants only what you want and if we ever move again. I hope Linda is available as she will be our first call" - Mat & Sonya "Top qualities: Expert, High Integrity, Creative. I've known Linda personally and professionally for many years. Linda's specialized broad base knowledge of the real estate market in Tulsa & surrounding areas gives her a definite edge in the market place. Her integrity & focus are assets to anyone wanting to buy or sell their property. Linda puts her heart and soul into everything that she does! Rest assured with Linda as your agent you will be pleased with the results!" - Penny Tompkins "I was clueless when it came to listing my Mom and Dad's home of 30 years. I contacted Linda and she was a wealth of information. She held my hand and was so encouraging all the way through this process. She made a list of where to start and the steps between, to meet the end goal. She was Invaluable and Professional. The home sold in 2 weeks of listing, Thanks to Linda Smalley" - Ms. S. Johnson, Sapulpa, OK "As a first-time homebuyer, I found that Linda made the usually rocky-road of a home purchase as smooth as glass. She also introduced me to a local lender that carefully accessed my home buying potential, which landed me a great rate, and Linda was also able to refer me to a program that assisted with my down payment. I was able to purchase my dream home in a historic neighborhood. Linda was a great resource for all kinds of information regarding home-ownership! (Even after the closing!) I think it’s about the relationship with Linda, not just the sale" - N. Fairbrothers, Midtown Tulsa "Top qualities: Great Results, Personable, High Integrity" "I've known Linda for many years. In fact, I have her to thank for hiring me early on in my restaurant career with Interurban. She was and still is a great leader. Very professional and

well-s liked by our restaurant customers and employees. I have catered several events for Linda and the charity functions she volunteers for. She is always a pleasure to work with and a great organizer. I've never seen her stress out over anything. All in all, a wonderful compassionate person who gives 110% in all she does. If I ever need a real estate agent, she's the one" - Craig Baxter, Owner of Baxter's Interurban, Tulsa, OK "We worked with Linda Smalley for almost two years looking for a house that fitted all our needs (family of 5). Linda was always patient never trying to sell us something that wasn't quite what we were looking for and at the same time always ready to show us any new available options. We have actually become friends in the past two years and truly enjoy her company. After a long time of searching, we finally purchased a house in midtown for the lot. Linda lost out on that deal since the price was considerably lower than the houses we've been looking at. She graciously helped us through the entire process and we are now building. Once the house is built Linda will list our current property as well. We will continue to get together on occasions only because we absolutely enjoy Linda's company and she's honestly become part of our family. If you're looking for someone who is very professional without being at all pushy for the sale you've found the perfect candidate in Linda. She wants only what you want and if we ever move again. I hope Linda is available as she will be our first call" - Mat & Sonya "Top qualities: Expert, High Integrity, Creative. I've known Linda personally and professionally for many years. Linda's specialized broad base knowledge of the real estate market in Tulsa & surrounding areas gives her a definite edge in the market place. Her integrity & focus are assets to anyone wanting to buy or sell their property. Linda puts her heart and soul into everything that she does! Rest assured with Linda as your agent you will be pleased with the results!" - Penny Tompkins "I was clueless when it came to listing my Mom and Dad's home of 30 years. I contacted Linda and she was a wealth of information. She held my hand and was so encouraging all the way through this process. She made a list of where to start and the steps between, to meet the end goal. She was Invaluable and Professional. The home sold in 2 weeks of listing, Thanks to Linda Smalley" - Ms. S. Johnson, Sapulpa, OK "As a first-time homebuyer, I found that Linda made the usually rocky-road of a home purchase as smooth as glass. She also introduced me to a local lender that carefully accessed my home buying potential, which landed me a great rate, and Linda was also able to refer me to a program that assisted with my down payment. I was able to purchase my dream home in a historic neighborhood. Linda was a great resource for all kinds of information regarding home-ownership! (Even after the closing!) I think it’s about the relationship with Linda, not just the sale" - N. Fairbrothers, Midtown Tulsa