B U Y E R S P R E S E N TAT I O N
JANET FISHER-WELSH C: 503.422.5812 O: 503.241.7325 JanetFisherWelsh@CBBain.com JanetFisherWelsh.CBBain.com 4200 Mercantile Dr. #700, Lake Oswego, OR 97035
If you had asked me as a young person what my career path would be, I would not have
said “Realtor” but as it turns out, that is exactly the career that suits me best! The real estate business aligns with my desire of wanting to enrich the lives of the people I serve and the
place that I live. My earlier background in theater and sales has taught me lessons in empathy and listening skills that help me get to the heart of the wants and needs of others. I also use
and build upon these communication strengths when negotiating on my client’s behalf. I am
known to be patient, friendly and flexible. I always keep my clients interests my top priority as we work together through the real estate transaction.
In the last 16 years as a full time professional, I have helped hundreds of buyers and sellers fulfill their goals and have received consistent production awards and earned specialized designations that reflect a passion for mastering my craft in order to better serve clients. As a broker with Coldwell Banker Bain, I am armed with tools and systems that provide
clients with the resources and information needed to make informed decisions and achieve satisfying results when buying and selling real estate.
I have spent most of my life in the Portland area and I love the forested beauty of the Pacific
NW. I like to give back when I can by volunteering to organizations that are dedicated to the conservation of our wildlife and watersheds - Columbia Land Trust and the Backyard Habitat Certification are my favorites!
AWARDS AND QUALIFICATIONS • Certified Residential Specialist (CRS) since 2008 • Accredited Buyers Representative (ABR) since 2005 • Cartus Certified Relocation Specialist since 2009 • Consistently recognized as a Top Producer with Coldwell Banker Bain, achieving International Silver, Diamond and President’s Circle Awards.
Making your dream home a reality.
TESTIMONIALS “Janet helped us find our dream home in the Portland area as we relocated from California. She did a ton of homework and made our 2 day trip worth while. We had our 1 year old and still she was patient and viewed 20+ homes. She worked with us to ensure we got everything we wanted and kept us informed during the entire process. Janet made the home buying process a pleasure. We look forward to working with her in the future and would recommend her to anyone looking to buy or sell!” Taryn & Holly L.
“Based on the outstanding job she did for us in finding a home that we loved in 2012, we did not hesitate in calling Janet, and only Janet, when we recently decided to sell that home and move to Bend. Once again, Janet exceeded our expectations in all facets regarding the sale of our home.” Don F.
“Just want to thank Janet – she was knowledgeable. I felt confident that she knew her job very well. Very Professional yet friendly. Could not have been more pleased.” Kathy M.
HOME SEARCH CHECKLIST PREFERRED HOME FEATURES Home style (ie. Colonial, Craftsman etc.)____________________________________________________________ Number of Bedrooms ______________________________________________________________________________ Number of Bathrooms _____________________________________________________________________________ Family Room _______________________________________________________________________________________ Bonus or Game Room ______________________________________________________________________________ Fireplace ___________________________________________________________________________________________ Home Office _______________________________________________________________________________________ Kitchen Amenities___________________________________________________________________________________ ____________________________________________________________________________________________________ ____________________________________________________________________________________________________ Basement___________________________________________________________________________________________ Garage (no. of cars)_________________________________________________________________________________ Central A/C_________________________________________________________________________________________ Lot Size_____________________________________________________________________________________________ Pool________________________________________________________________________________________________ View________________________________________________________________________________________________ Other Features______________________________________________________________________________________ ____________________________________________________________________________________________________ ____________________________________________________________________________________________________
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LOCATION Ideal Neighborhood________________________________________________________________________________ Ideal Commute Time_______________________________________________________________________________ Convenient to Transportation Convenient to Schools Convenient to Shopping Convenient to Recreation
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Other Location Preferences_________________________________________________________________________ ____________________________________________________________________________________________________ ____________________________________________________________________________________________________
LIFESTYLE Eco-friendly Urban life Low-maintenance property Close to nature Gardening Outdoor entertaining
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Other lifestyle preferences__________________________________________________________________________ ____________________________________________________________________________________________________
OVER 40 YEARS OF LOCAL EXPERTISE Begun in Seattle as William A. Bain Associates, Coldwell Banker Bain has operated in the Northwest for over 40 years. We have 32 offices stretching from Bellingham, WA to Bend, OR. We are one of the largest Coldwell Banker affiliates in the world.
32 OFFICES, 1,200+
LOCAL BROKERS OVER
3,000
OFFICES, IN 43 COUNTRIES WORLDWIDE
“The reason I went to work for Bill Bain is because he had the squeakiest, cleanest reputation of anyone in the industry.”
Bill Riss, Owner, Coldwell Banker Bain
LAKE OSWEGO OFFICE When it comes to selling real estate, Coldwell Banker Bain’s Lake Oswego office succeeds on the strength of our local presence. We’ve been in the same location for more than 30 years and we know Lake Oswego and the entire metro region. Our brokers are award-winning industry professionals with a passion for real estate who are driven to excel on your behalf. Our core principle – Do the right thing, honestly – means no one is more committed to customer service and your complete satisfaction than we are. As part of Coldwell Banker’s global network, we have the knowledge, training, insight and resources to guide our clients through even the most complex transactions. Using the latest technology and capitalizing on local and national market dynamics, we make selling your home seamless and stressfree. Clients list with us confident that our one-two punch of skill and advocacy will get real results. And we do. Everyday. Put our knowledge on your side.
OUR BUYER SERVICES LEAD THE MARKET When you work with us, we expertly manage every detail of your transaction. In addition to industry-standard services, Coldwell Banker Bain offers these additional benefits and trusted services: Affiliate Coldwell Banker Bain Services
Coldwell Banker Bain Benefits
• Affiliated mortgage services
• Over 40 years of experience
• Affiliated title services
• New listing alerts
• Affiliated escrow services
• Comparable market analysis
• Affiliated home warranty protection
• Private virtual home tours hosted by the agent • Virtual document signing • Non-selling managing brokers • After-sale follow-up and evaluation • Local ownership, accountable to you • Services guarantee
PRIVATE VIRTUAL
HOME TOURS
A fantastic and safe time saver when searching for your new home. A live event that is hosted by your broker.
WE OFFER THE FIRST SERVICE GUARANTEE IN THE INDUSTRY
BUYER SERVICES GUARANTEE We strive to fairly, honestly and ethically act as your agent in the home-buying process. However, should Coldwell Banker Bain not perform our services as stated, you are entitled, upon written notice, to terminate our Buyer Agency representation. That’s our promise to you, and it’s an industry first.
MY COMMITMENT As your buyer’s agent I am committed to using my experience, education and expertise to >
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Find the right property
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Analyze the value
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Negotiate the best deal
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Execute and inform
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Assist in closing
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Follow up
FINDING THE RIGHT HOME
LISTEN Only you know your needs in a home. So it’s my job to listen carefully and to fully understand your needs as we begin our search.
COMMUNICATE Keeping you informed on availability, market trends, status of homes in your search and many other things is critical to a sucessful home purchase. That’s why I value open communication.
PLAN Outlining the steps we need to take to prepare for a successful transaction. From pre-qualifiying to the closing table, I will assist you every step of the way.
SUCCESSFUL HOME PURCHASES BEGIN WITH AN HONEST CONVERSATION WITH YOUR BROKER. SHARING YOUR NEEDS, EXPECTATIONS AND GOALS.
WHERE DO YOU WANT TO LIVE? Tell me which city, neighborhood or area you want to live in? ____________________________________________________________________________________________________ ____________________________________________________________________________________________________ ____________________________________________________________________________________________________
WHAT ARE YOUR WANTS? A realistic list of what you want in a property: ____________________________________________________________________________________________________ ____________________________________________________________________________________________________ ____________________________________________________________________________________________________
WHAT ARE YOUR NEEDS? List the things that are absolutely necessary: ____________________________________________________________________________________________________ ____________________________________________________________________________________________________ ____________________________________________________________________________________________________ ____________________________________________________________________________________________________ ____________________________________________________________________________________________________ ____________________________________________________________________________________________________
COMMUNICATION Real Estate can be a fast-moving train at times. It is very important we establish reliable forms of communication or we may miss out on opportunity. Some prefer to only communicate via email, others through a phone call. Whatever your preference, be aware that a quick response can mean the difference between winning the bid or losing out to another buyer. What form(s) of communication do you prefer?
Phone
Text
Instant Messenger
Email:_______________________________________________________________________________________________ Phone:______________________________________________________________________________________________ Instant Messenger Platform & Screen Name:________________________________________________________ ____________________________________________________________________________________________________
FREQUENCY Depending on the urgency of your home search, the frequency of our communication can vary a great deal. From several times per day if you’re a highly motivated buyer to a few times per week or less if you are not in a rush to find a property. Your privacy will always be respected.
FIND A LENDER & GET PRE-APPROVED Having a pre-approved loan amount is a fantastic place to start your road to home ownership. It provides a benchmark for what you can comfortably afford and will allow us to quickly narrow your home search. If you are uncertain about which lender to use, ask us. As brokers, we generally have a good relationship with one or more lenders and can help you find one who will address your needs and get you the best loan terms available.
LISTEN TO YOUR LENDER Your lender will give you specific instructions on getting your finances in order so your closing will go smoothly. Make sure you follow these instructions to avoid delays in closing or possibly losing out on a property.
ASK QUESTIONS There are many special financing programs available to home buyers. Ask your lender and me if there are programs that you may qualify for. From special veteran programs to rehabilitation loans, your lender will be able to tell you what is available. Be sure to ask about any restrictions that may apply to special programs.
LOCATION The only thing better than finding your ideal home is finding your ideal home in the ideal location. Schools, commute to work, proximity to restaurants and activities, views and distances to recreation are all things to consider when deciding on location. Share as much information with us as you can about your ideal location.
YOUR IDEAL HOME Do you dream of a Craftsman with hardwood floors or a modern condo with the latest smart home technology? Whatever your taste, your perfect home is out there and I will help you find it. Beyond the number of bedrooms and bathrooms, share your ideal home features. From garden space to off street parking, each detail is important to note in your search request. The more information you provide, the easier it will be to narrow your search and find homes that are viable options.
UNDERSTANDING THE SALE PRICE There are several factors that affect the price sellers ask for their homes. Understanding these factors is important when trying to evaluate the asking price.
Physical characteristics of the home: Location, age, size of home and lot, physical condition and architectural style are all factors to consider.
Market condition and competition: Inventory, days on market, interest rates, qualified buyer demand, health of the economy and availability of financing can all affect the strength of the market and home prices. Other factors to consider are the time of the year, the sellers motivation and economic forecasts.
UNDERSTANDING THE MARKET One of the best ways to get a full understanding of your market is with a comparative market analysis. Comparing the sold price of comparable homes, as well as the number of days on market, the sold vs. list price and facts about properties that did not sell will give you insight to the value of the property you are considering. As a well-informed, educated and experienced broker, I am able to make sense of this information and help you determine if you should move forward on a property and how you should position your offer.
SUBMITTING THE OFFER Making the right offer the first time could mean the difference between having your offer accepted, getting a counter offer from the seller, or losing out to a competing offer. It is also very important to make sure you understand 100% of the terms of your offer. The legal terms in real-estate contracts can sometimes be confusing. I will help you avoid common mistakes and guide you through the process to a successful offer.
NEGOTIATING Rarely does an offer get accepted the first time around. In a competitive market it is very important to draw on the knowledge of an experienced broker. Sellers typically make a counter offer if they are unsatisfied with an initial offer. Knowing when to bend or when to stand firm on your offer is a skill that requires essential knowledge and experience. With my negotiating skills, experience and knowledge, you will be able to know when and how to make a good counter offer and also when to walk away from the deal.
THEY ACCEPTED YOUR OFFER! After a brief celebration, we will need to get to work to ensure a smooth closing. There are several potential items that will be required to close the transaction. Among these are: 1. Opening escrow 2. Order title report 3. Providing additional documentation to lender 4. Sending the contract to your lender 5. Home inspection 6. Negotiate inspection items 7. Set closing time
THE MORTGAGE Several factors affect your mortgage payment, which will often include the following:
PRINCIPAL- The balance owed to the lender INTEREST - Based on your annual percentage rate (APR) TAXES - Property taxes INSURANCE - Property and liability PMI - Private mortgage insurance
HISTORY OF THE 30-YEAR FIXED INTEREST RATE
20 16.63% 15
10
5
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3.99%
WHY TITLE INSURANCE IS IMPORTANT Protecting your investment in your home is critical. Title insurance offers you protection from unforseen claims against your property like: • Forged deeds, mortgages, satisfactions, or releases • Deed by person who is mentally incompetent • Deed by person in a foreign country, vulnerable to challenge as incompetent, unauthorized, or defective under foreign laws • Deed challenged as being given under fraud, undue influence or duress • Deed signed by mistake (grantor did not know what was signed) • Deed executed under falsified power of attorney • Undisclosed divorce of one who conveys as sole heir of a deceased former spouse • Deed affecting property of deceased person, not joining all heirs • Deed recorded but not properly indexed so as to be locatable in the land records • Undisclosed but recorded federal or state tax lien • Undisclosed but recorded judgment or spousal/child support lien • Undisclosed but recorded prior mortgage • Undisclosed but recorded boundary, party wall, or setback agreements • Misinterpretation of wills, deeds, and other instruments • Discovery of later will after probate of first will • Erroneous or inadequate legal descriptions • Deed to land without a right of access to a public street or road • Forged notarization or witness acknowledgment • Deed not properly recorded (wrong county, missing pages or other contents, or without required payment) • Deed to a purchaser from one who has previously sold or leased the same land to a third party under an unrecorded contract, where the third party is in possession of the premises
WHAT EACH PARTY DOES IN ESCROW
SELLER Provides executed deed.
Because large sums of money move around in a real estate transaction, a trusted closing agent is required to ensure the required obligations of all parties are fulfilled. The safe exchange of proceeds and title are also executed at this time.
Provides evidence of pest inspections and any required repair work. Provides other required documents such as tax reciepts etc.
CLOSING/ ESCROW AGENT Orders title insurance Documents approvals on inspections Receives funds from buyer/lender Prorates taxes, rents etc. Disburses funds Records deed and documents Issues final closing statement
LENDER
BUYER
Prepares loan documents
Deposits required funds
Deposits loan proceeds with settlement agent
Arranges funds transfer from lender
Provides conditions for loan funds use
Approves inspections Fulfills conditions of sale
CLOSING The final inspection and closing disclosure statement are complete. By now it should be down to a few simple tasks: 1. Executing the mortgage documents 2. Settle closing expenses and escrow items 3. Receive closing documents 4. Recording of the deed and ownership transfer
SERVICE COMMITMENT As you can see, buying a home is no small feat. There are several steps to this process and it’s important that you have an educated, experienced and committed broker protecting your interest. Each buyer has a unique set of requirements. From the key features of the home to location or special financing needs, I have all the necessary resources to get you the best possible service. You will never be alone on this journey and I am committed to making sure your experience is exceptional.
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HOME SEARCH TOOLS
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ACCESS TO NWMLS DATA & LISTING DETAILS
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COMPARATIVE MARKET ANALYSIS
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NEIGHBORHOOD AND SCHOOL PROFILES
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PROPERTY HISTORY AND TAX INFORMATION
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MARKET TREND INFORMATION
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EXPLANATION OF REAL ESTATE TERMS
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RELATIONSHIPS WITH LENDERS & TITLE COMPANIES
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HOME INSPECTORS & CONTRACTORS
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INSPECTION REPORT REVIEW
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PROFESSIONAL NEGOTIATIONS
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EXPERIENCE WITH CLOSING PROCESSES
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SERVICE AFTER THE SALE
LONG TERM RELATIONSHIP Establishing a long term relationship with clients is important to me. It’s important to me, both personally and professionally. If you valued my service you will most likely reccommend me to others. Once you have moved into your new home I will be available to help you find answers to any questions that may come up. You might need a recommendation on a contractor or handyman or possibly just want to know more about the neighborhood, I am happy to help. I want your new home to be everything you hoped for.
DUTIES OF A BUYER’S AGENT/BROKER-OR An agent, other than the Seller’s Agent, may agree to act as the Buyer’s Agent only. The Buyer’s Agent is not representing the seller, even if the Buyer’s Agent is receiving compensation for services rendered, whether in full or in part, from the seller or through the Seller’s Agent. An agent who represents only the buyer owes the following affirmative duties to the buyer, the other parties and the other parties’ agents involved in a real estate transaction: 1. To deal honestly and in good faith; 2. To present all written offers, notices and other communications to and from the parties in a timely manner without regard to whether the property is subject to a contract for sale or the buyer is already a party to a contract to purchase; and 3. To disclose material facts kno wn by the agent and to apparent or readily ascertainable to a party. A Buyer’s Agent owes the buyer the following affirmative duties: 1. To exercise reasonable care and diligence; 2. To account in a timely manner for money and property received from or on behalf of the buyer;
3. To be loyal to the buyer by not taking action that is adverse or detrimental to the buyer’s interest in a transaction; 4. To disclose in a timely manner to the buyer any conflict of interest, exisiting or contemplated. 5. To advise the buyer to seek expert advice on matters related to the transaction that are beyond the agent’s expertise; 6. To maintain confidential information from or about the buyer except under supoena or court order, even after termination of the agency relationship; and 7. Unless agreed otherwise in writing, to make a continuous good faith effort to find property for the buyer, except that a buyer’s agent is not required to seek additional properties for the buyer while the buyer is subject to a contract for purchase.
AFFILIATE PARTNERS Our trusted affilates provide the same level of quality service you expect from
Coldwell Banker Bain. We provide the best, and that is what we expect from our affiliate partners.
Customized title insurance and settlement solutions with a seamless close. For over 30 years we’ve been meeting the title and escrow needs of Western Washington clients who rely on our local knowledge and expertise to deliver timely, superior real estate services.
Combining the high tech and high touch approach into one. We have all the lastet technology available as well as the experienced personnell to make sure your home mortgage experience is easy and enjoyable.
Designed from the ground up with input from real estate pros, contractors and service professionals, the AHSÂŽ Real Estate Home Warranty is built to streamline every real estate transaction. With three packages and a consistent, high-level of coverage, both home buyers and home sellers can get exactly the protection they need, at a special real-estate-only price.
Janet Fisher-Welsh 503-422-5812 JanetFisherWelsh@cbbain.com