Meeting How I help youYour find Needs the right home. I listen. I listen to you so that I can be completely responsive to your needs. I guarantee my service. With Coldwell Banker Bain’s Buyer Services Guarantee I let you know exactly what you can expect and back this up in writing. I have a plan. We’ll follow a customized, detailed plan to find the right home for you.
Your Needs I know Meeting what matters most. Communication I will listen to you and keep you informed every step of the way. Affordability I am committed to showing you homes within your price range. Convenience I’ll work hard to simplify the home buying process for you.
Tell meMeeting what’s Your mostNeeds important to you. What are your 3 major criteria in selecting a Realtor? 1. __________________________________________________ 2. __________________________________________________ 3. __________________________________________________
What are your 3 major concerns about buying a home? 1. __________________________________________________ 2. __________________________________________________ 3. __________________________________________________
What are your 3 major needs as a home buyer? 1. __________________________________________________ 2. __________________________________________________ 3. __________________________________________________
Meeting Your Needs We earn our reputation. Knowledge Our brokers are trusted by home buyers and sellers for being knowledgeable, professional and honest. Respect We are respected throughout our industry for our exclusive broker training programs. Reach We have true global reach through the Coldwell Banker system, which includes over 3,000 offices in 49 countries on six continents.
Meeting Your Needs Our Buyer Services lead the market. Our representation means expert management of every detail of your transaction, while our written guarantee demonstrates our commitment to your satisfaction.
Industry Standard Services
Coldwell Banker Bain Services
Buyer intake session Buyer agency choices Consistent communication Transaction management Property disclosure Property search Property evaluation Financing assistance
Educated, informed real estate expertise High transactional skill Aggressive, focused home search Post-inspection negotiation Market-smart negotiation strategies Proactive, daily communication Neighborhood review opportunity Previews of all appropriate homes
Exclusive Coldwell Banker Bain Services
Coldwell Banker Bain Services Guarantee
We guarantee our services. Period. In-house mortgage services In-house title services In-house escrow services In-house Home Warranty Protection Mobile Search on ColdwellBankerBain.com Non-selling Managing Brokers After-sale follow up and evaluation Complimentary Homebuyer Guidebook Local ownership, accountable to you My Account - Client specific property eMarketing on ColdwellBankerBain.com
Meeting our Yourservices. Needs We guarantee
Meeting Your Needs I give you my commitment. When you choose me as your buyer’s agent, I will work hard on your behalf to:
Find you the right property. Create personal analysis of value. Use market-smart negotiation strategies. Negotiate the best price and terms for you. Handle the details and keep you informed. Provide post-closing follow up. Offer educated, informed real estate expertise.
Meeting Yourfor Needs Local and trusted over 40 years. Coldwell Banker Bain, founded in Seattle as William A. Bain Associates, has operated in Western Washington for over 40 years. The firm’s local reputation for excellent high-end service, combined with the worldwide prominence of Coldwell Banker, have made Coldwell Banker Bain the top choice for our area’s home buyers and sellers. We are also the Northwest's largest nationally-affiliated real estate firm and one of the largest Coldwell Banker companies in the world. With 31 real estate offices in King, Pierce, Snohomish, Kitsap, Skagit, Whatcom, Clark and Cowlitz counties, Coldwell Banker Bain spans Western Washington. Our sales associates serve many markets including Seattle, Bellevue/Eastside, South King County, Tacoma, Lynnwood, Everett, Anacortes, Bellingham, Kitsap Peninsula and Southwest Washington. Additionally, our Oregon-based division, Coldwell Banker Seal, services the Portland metropolitan area.
I will help you narrow your search. This checklist will establish your home searching needs. FEATURES Preferred style (colonial, ranch, townhome, etc.) Number of bedrooms Number of bathrooms Family room Bonus/Game room Fireplace Home office Kitchen amenities Basement Garage (no. of cars) Central air conditioning Lot size Pool View Other
Specify your preference
LOCATION Neighborhood Convenience to work Convenience to transportation Convenience to schools Convenience to shopping Proximity to recreation Other
Rate each item 1-5 (most important = 5) _______ _______ _______ _______ _______ _______ _______
__________________ __________________ __________________ __________________ __________________ __________________ __________________ __________________ __________________ __________________ __________________ __________________ __________________ __________________ __________________
Home Finder’s Profile Requirements for your home purchase: Desired Area(s): ____________________ New or Existing: ____________________ Acceptable Style(s): _________________ Square Feet: _______________________ Price Range: ______________________ Lot Size: __________________________ Bedrooms: __________ Features Required: ________________________________ Bathrooms: __________ Features Required: ________________________________ Other Requirements: ____________________________________________________________________ ____________________________________________________________________ Current Housing Information: Address: ___________________________ Phone: _________________________ E-mail address: _______________________________________________________ Approximate Value: __________________ Estimated Equity: _________________ Down Payment Available: _____________ Progress of Sale: ___________________ Family Information: Children:_____________________________________________________________ Employer: ________________________ Phone: _____________________________ Address: _________________________ Commute Time: ______________________ Employer: ________________________ Phone: _____________________________ Address: _________________________ Commute Time: ______________________
Understand the prices that sellers ask. Many factors affect the price that sellers ask for their homes. Physical characteristics of the house: Location Age Size of house and lot Physical condition Architectural style and floor plan Competition: Number of properties available Their prices and terms Their location and physical condition How long they’ve been on the market Market conditions: Interest rates Availability of financing Qualified buyer demand Prices of recent sales State of the economy Seasonal demand Other factors: Seller’s motivation to sell Seller’s original purchase price Seller’s need for cash Opinions of others
I will give you a Comparative Market Analysis. As your buyer’s agent, I will prepare a Comparative Market Analysis with information on properties similar to the one you’re considering. It will describe homes that:
Are currently on the market Sold recently Failed to sell
This comparative data will help you decide whether the home you like is priced competitively.
ColdwellBankerBain.com enhances your home search. Mobile Search Your home will appear on our mobile website via any one of five search options: Nearby Homes for Sale, City, Neighborhood, Zip Code, Address, and MLS # Search. Save favorites or message me for more information. My Account Searches for homes that meet your needs. Emails new property information to you as it becomes available. Interactive Display High-resolution images give buyers instant, elegant views of your home. Real Estate Calculator Helps you estimate the financial details of your real estate transaction simply and efficiently.
We will work together to find your new home. Rely on me to filter the many homes listed for sale. Homes advertised online or in print You can ask me about any properties that are advertised, no matter who the broker is. I will provide you with detailed information and show you the homes that interest you. Multiple Listing Service I can show you any property listed through the Multiple Listing Service (MLS). I will show you the properties that meet your criteria. Yard signs and open houses A yard sign or open house can let you know a home is available, but I’ll help you know if it’s worthwhile. I can arrange private showings of homes displaying “Open House” or “For Sale” yard signs. When visiting an open house on your own, please give the salesperson my card and let them know that you are working with me.
I will help keep your search focused. We’ll work together to streamline your search process. Our search To find your new home, we’ll tour properties that best match the criteria you have given me. My knowledge As your buyer’s agent I will share my evaluation of the homes we see, including factors that may affect their value. Your feedback I’ll listen to your candid impressions of each home to help me fine-tune the search process for you.
Mortgage pre-approval matters. Being pre-approved for a mortgage can greatly improve your negotiating position.
Sellers and their agents know that a pre-approved buyer is a serious one. Speaking now with a mortgage specialist will give you a loan decision well in advance of making an offer. Axia Home Loans is located in all Coldwell Banker Bain offices for your convenience, and offers prompt pre-approvals without cost or obligation.
Find out how much home you can afford. A pre-approval letter will help you enhance your credibility with the seller. Pre-approval Indicates that the lender has given you credit approval on your home loan. Demonstrates that you are a serious buyer. Gives you increased bargaining power.
Determine what type of mortgage you need. Fixed rate and adjustable rate each have advantages to consider. Fixed Rate Mortgages Have the same interest rate for the entire term of the loan. Payments are stable and predictable. Generally have higher interest rates than others. Adjustable Rate Mortgages (ARMs) Have interest rates linked to a financial index that changes periodically over the life of the loan. Initial payments may be lower, making the ARM more affordable.
Be prepared for your mortgage application. Your mortgage application can be processed more easily if you are prepared with these documents.
Current pay stubs Bank statements Credit card statements Investment/brokerage firm statements Loan statements Tax returns, usually for two years
I can help you through the financing process. Financing your home is an involved process that includes the following steps: 1. Loan application is completed and submitted to lender. 2. Lender orders appraisal, credit report, verification of your employment and assets. 3. Lender provides a good faith estimate of closing and related costs, plus initial Truth In Lending disclosures. 4. Lender evaluates application and supporting documents, approves loan and issues letter of commitment. 5. Closing is held, loan documents are signed and the loan is funded. 6. Lender disburses funds to the settlement or closing agent, seller is paid and the title to the home is yours. 7. Required documents are recorded at the county office of records.
the Purchase We willMaking make your home purchase a success. A completed purchase involves several important elements.
Full written disclosure Offers and negotiations The purchase agreement Professional inspections Post inspection negotiation Title insurance and appraisal Consistent communication Walk-through and final closing Home warranty
Making the Purchase Full written disclosure protects your best interests. The Seller’s Disclosure Statement reveals information that may affect your offer to purchase.
Coldwell Banker® pioneered efforts that require sellers to disclose, in writing, all known defects associated with their property. I will review the Seller’s Disclosure Statement with you, and we will determine the best negotiation strategy to ensure a successful home purchase.
Making the I will negotiate onPurchase your behalf. I’ll prepare an offer that meets your needs and present it effectively so that it has the best chance of a favorable response.
I’ll present your written offer to the sellers and negotiate on your behalf. The sellers will have the choice of: o Accepting your offer as presented. o Rejecting it completely. o Presenting you with a counter offer. I’ll communicate to you the seller’s response and, if necessary, suggest further negotiating options.
Making the Purchase Title insurance will protect your interests. Designed to protect your interests in the property once you have a purchase contract in place, a title insurance policy:  
Is based on a search of public records that discloses whether any others have a legal claim to the property. Insures you against loss due to certain title defects.
As a preferred customer, you can benefit from the title services available through Rainier Title.
Makingconfirms the Purchase An appraisal the value of the home. An opinion of the property’s value by an independent fee appraiser:
Compares the value of the home to others of similar size, features and location. Is usually a lender condition of closing. Can give you additional confidence in the value of the property. Creates a potential renegotiation if the home does not appraise at the sale price.
the the Purchase I will beMaking there for pre-closing walk-through. A walk-through prior to closing lets you confirm the condition of the property.
A thorough walk-through will help you determine if the property is in the condition you expect. I will accompany you. Should a concern arise during the walk through, I will advocate for you in resolving it.
Making the the entire Purchase I will monitor purchase process. I will help you prepare for a smooth closing by:  
Tracking the satisfactory completion of all contingencies and conditions required under your purchase agreement. Keeping you informed of the progress of the transaction.
When all documents are signed and funds are exchanged, the property is yours!