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221 S Drake Road Kalamazoo , MI 49009 Cell: 269-217-4354 Work: 269-341-4300 lfruin@jaquarealtors.com

Linda Fruin

REALTOR ® , Associate Broker, GRI, LRS, ABR ® , SFR ® , PSA, RENE, SRES ® rs

Se r

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ye g Bu r s & S vin

Sin

ce 1996

ABOUT ME

AT YOUR SERVICE

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Graduate of the Real Estate Institute (gri)

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Graduate of the e-Pro Technology Certification Program (e-Pro®)

MY SPECIALTIES

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Certified as an Accredited Buyers Representative (abr®)

First-Time Homebuyers Residential Sales Existing Home Sales Corporate Relocation Short Sales HUD Homes Bank Owned Homes Vacant Land Sales Move Up & Downsize Buyers

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Short Sale & Foreclosure Resource Specialist (sfr®)

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Pricing Strategy Advisor (psa)

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Real Estate Negotiation Expert (rene)

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Seniors Real Estate Specialist (sres®)

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LeadingRE Relocation Specialist (lrs)

IN BUSINESS SINCE 1996

WHAT MY CLIENTS ARE SAYING “Thank you for moving so quickly when I did decide to sell the property.

It’s easy to see that selling that property would have been much more difficult after these events. Gratitude for you in helping me make my way through all that to a very successful and timely conclusion. Grateful for your rapid response and help!!” - S.B. “Best Realtor ever! Anyone looking for an amazing Realtor!! Linda Fruin is the one you need ! She is very knowledgeable and very hard working!! She knows what she is doing! And is always there to help out and be there for you!” - T. F. “We wish we had a million people we knew that needed a realtor; because, we would definitely have them use Linda. She has every detail covered and always stays on-top of all the

nuances of selling/buying. It is always a pleasure working with her, we can’t say enough!!”- Donald & Beth Hauck “Linda Fruin is very good, always does the best for you!” - P.A. “I’ve just closed on my house with Linda and I can’t thank her enough!

This was completely new territory for me and she explained each stage to me and was there for my constant questions. She’s so great in helping between choices and is professional at all times! She has the best interest of her clients at all times and will be recommending her to all my friends in the market for a new home. Thank you Linda!” - CP “Linda responds promptly, conducts herself professionally, and is always

congenial and available. Thank you for your services.”- Elizabeth Wolfe “Knowledgeable, professional and was available for our needs and also was able to recommend professional persons needed, IE: services we needed within the community.”

- Gerry & Marirose “Wonderful to work with, she is knowledgeable, organized, dependable and uses technology tools well to simplify the whole process!”

- Ben & Brenda “Linda is a professional and knows real estate and her market well; it was a pleasure working with her again!”

- Rick & Karen

Linda Fruin, realtor®

ce

Yo i u r S er v

At

Associate Broker, GRI, e-Pro®, SFR®, ABR®, PSA, RENE, SRES®, LRS 269.217.4354 lfruin@jaquarealtors.com

269.341.4300 jaquarealtors.com 221 S Drake Road, Kalamazoo, MI 49009

My goal is to provide all things one expects in a REALTOR®: honesty, quality, service and commitment

DEDICATED REALTOR® CONTINUED EDUCATION

ASSOCIATE BROKER, GRI, E-PRO®, SFR®, ABR®, PSA, RENE, SRES®, LRS

WHAT DO THEY MEAN? GRADUATE, REALTOR® INSTITUTE / GRI REALTORS® with the GRI designation have in-depth training in legal and regulatory issues, technology, professional standards, and the sales process. Earning the designation is a way to stand out to prospective buyers and sellers as a professional with expertise in these areas.

E-PRO® NAR’s e-PRO® certification program helps REALTORS® master the advanced digital marketing techniques of today. With the e-PRO® certification, REALTORS® increase their ability to reach customers, expand their capabilities, and build trust by safeguarding client information.

SHORT SALES & FORECLOSURE RESOURCE / SFR® The SFR® certification teaches real estate professionals to work with distressed sellers and the finance, tax, and legal professionals who can help them, qualify sellers for short sales, develop a short sale package, negotiate with lenders, safeguard your commission, limit risk, and protect buyers.

ACCREDITED BUYER’S REPRESENTATIVE / ABR® The Accredited Buyer’s Representative (ABR®) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home buying process.

PRICING STRATEGY ADVISOR / PSA Enhance your skills in pricing properties, creating CMAs, working with appraisers, and guiding clients through the anxieties and misperceptions they often have about home values with NAR’s PSA (Pricing Strategy Advisor) certification.

REAL ESTATE NEGOTIATION EXPERT / RENE The Real Estate Negotiation Expert (RENE) certification is for real estate professionals who want to sharpen their negotiation and client advocacy skills.

SENIORS REAL ESTATE SPECIALIST® / SRES® The SRES® Designation program educates REALTORS® on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate, clients age 50+. By earning the SRES® designation, you gain access to valuable member benefits, useful resources, and networking opportunities across the U.S. and Canada to help you in your business.

LEADING RE RELOCATION SPECIALIST / LRS The LRS Designation focuses on referral and relocation industry practices & demonstrates an ongoing commitment to providing excellent and outstanding customer service, increasing sales performance, providing expertise in relocation services, and leadership excellence. In addition to trusted referrals, members of the network provide exceptional marketing advantages and knowledge to their buyers and sellers.

About Us Jaqua Realtors, Inc. is a full service residential and commercial real estate company providing services to both buyers and sellers. Jaqua is the largest independent, family owned real estate brokerage in Southwest Michigan. Established in 1975, Jaqua Realtors has evolved into the fastest growing real estate company in the region. As a progressive and expanding firm, Jaqua provides the services of over 210 real estate professionals to assist you.

Since inception, Jaqua has never wavered from our commitment to service. The principles of integrity, professionalism and quality service has successfully guided the Jaqua firm in building an outstanding reputation within the community.

Our concerted effort to uphold this reputation means exceptional service for you.

Factors to Consider When Selling Your Home Selling your home is one of the largest financial transactions you will experience. The selection of a real estate company and an agent is crucial to your success. Please consider: The company’s business philosophy and history of success.

Your agent’s knowledge and professional skills.

The company’s marketing strategies for attracting buyers for your home.

The customized professional services provided by your agent.

11 Locations in West Michigan

Kalamazoo 221 S. Drake Rd. Kalamazoo 269-341-4300

Open Until 9 pm daily

Battle Creek 15150 Helmer Rd. Battle Creek 269-704-1000 Richland 12374 East D Ave Richland 269-629-5612 Grand Rapids 202 44th Street SW Grand Rapids 616-369-1991

Portage 414 W. Milham Ave. Portage 269-381-7653 Open Until 9 pm daily

Commercial 328 W. Milham Ave. Portage 269-216-4222 Stevensville 4233 Red Arrow Stevensville 269-983-8051

Hastings South Haven 100 S Jefferson Ste A 513 Broadway Hastings South Haven 269-704-1000 269-637-6537 Saugatuck Plainwell 202 W Center St. 302 S. Main St. P.O. Box 997 Plainwell Douglas 269-685-6858 269-857-8030

Management Team Team Management Jaqua’s executive management team

Jaqua’s executive management team leads the industry in experience and leads diverse the industry in experience and professional background. diverse professional background.

We invest in development, coaching, and personalizing the strategic We invest in development, coaching, planning of each and personalizing theagent’s strategic career development. planning of each agent’s management team’s experience careerOur development. in marketing and promotions, real

Our management experience estate law andteam’s sales provide our in marketing and promotions, real agents and clients the support estateneeded law and sales provide our to successfully complete real estate agentsa and clientstransaction. the support needed to successfully complete a real estate transaction.

Leadership roles in local organizations

Leadership localand organizations are evidenceroles of ourinroots are evidenceto of roots and commitment ourour community, including: commitment to our community, including: The Chamber of Commerce AreaChamber Rotary Clubs & Service Clubs The of Commerce Real Estate Area RotaryAssociations Clubs & Service Clubs Governmental Commissions Real Estate Associations Habitat for Humanity Governmental Commissions Health Care Industry Boards Habitat Humanity Business for Network International

Health Care Industry Boards Business Network International

Marketing Specialists

Marketing Specialists Your Jaqua agent has the resources of talented marketing specialists to support them with the on-site production of sophisticated marketing materials and website positioning. This combination creative ideas, technicalmarketing expertise, Yourrequires Jaqua aagent has theofresources of talented advanced presentation software and cutting-edge equipment.

specialists to support them with the on-site production of sophisticated marketing materials and website positioning. This requires a combination of creative ideas, technical expertise, advanced presentation software and cutting-edge equipment.

Agent Availability Our extensive advertising and promotional efforts result in a high volume of inquiries for information on Jaqua listings. A licensed REALTOR® is available until 9 p.m. seven days a week at our Kalamazoo and Portage locations to provide real estate information and services.

We understand that many people look for homes on the weekend and evenings. When other companies are unavailable, our extended hours enable potential buyers to speak with a Jaqua agent regarding their real estate needs at the moment of peak interest.

“When other companies are unavailable, our extended hours enable potential buyers to speak with a REALTOR® regarding their real estate needs at the moment of peak interest.”

Internet Strategy According to a recent survey from the National Association of Realtors, use of the internet to search for homes has increased in the past 10 years. More importantly, the shift of internet home searches from occasionally to frequently has made a substantial climb. A reported 95% of homebuyers use the internet to search for homes. Jaqua Realtors responds to this consumer behavior by providing a strategic internet positioning campaign. Your property is prominently marketed to those utilizing the internet in their home search.

Throughout the home search process, real estate agents were the most used resource at 64%, followed by mobile or tablet search devices at 74%. Real estate agents and mobile or tablet search devices were the most frequently used information sources. Agents were also seen as the most useful information source during the home search process at 72%.

Use of Internet in Home Search National Association of Realtors 2022 Home Buyers Internet Profile

Internet Strategy jaquarealtors.com Jaquarealtors.com is a comprehensive, leading-edge marketing tool for our sellers. With over 50,000 user sessions a month, we generate a high level of exposure for your home. The Jaqua site includes several innovative features buyers are attracted to during their property search: Interactive map search includes Satellite view, street view and Yelp integration. Search by school district, community, zip code or custom-drawn map Comprehensive Community information section Detailed market reports for communities throughout Southwest Michigan Vibrant listing result pages

Internet Strategy jaquarealtors.com

Interactive Map Search The interactive map search allows clients to quickly and easily find their dream home. Linked with GoogleMaps™, the map search provides interactive home searching by school, city, zip code or custom drawn map. Buyers can plot local schools, get driving directions, view the street and satellite view.

Our Yelp integration allows a buyer to plot your home’s proximity to local attractions, business, schools and more.

Listing Display Our enhanced listing display pages have been designed to feature your home and its features in an easy to read and eye catching format.

Buyers will be able to view property details and scroll through a filmstrip of your home’s professional photos. Explore an interactive map of your home with Yelp integration, plot schools and view your home from the street and satellite.

Users also have the ability to request a showing, email your listing, calculate mortgage payments and request more information. Buyers can view market data about the local area and click through to view comprehensive community information including attractions, recreation, healthcare, events and more.

Internet Strategy jaquarealtors.com

Market Reports The interactive market reports provide market data overview for a 12 month, 9 month, 6 month or 3 month timeframe. We have provided detailed market reports for the communities we serve throughout Southwest Michigan.

Market reports include: • Trends and data on average home price, average days on market, average price per square foot, number of new homes and more.

• Buyers can subscribe to the market reports for areas they are interested in and an email will be delivered weekly, quarterly or yearly.

Community Information The detailed community pages allow buyers to learn about each community and aid in helping them find their perfect home. The informationrich pages feature information about the local community including attractions, recreation, school information, healthcare, events and more. Your property will be featured on the corresponding community page allowing buyers to easily find your property without having to leave the page.

The community pages also feature market trends including average sales price, number of homes for sale, number of new homes on the market and average days on the market.

Integration werxadwerx Integration

Adwerx is a custom digital advertisement that targets homebuyers surrounding your property on Facebook andthat Instagram, as well as major websites including your The Wall a custom digital advertisement targets homebuyers surrounding Journal, ESPN.com and many more. websites including The Wall Facebook Street and Instagram, as well as major

al, ESPN.com many more.

Your and property will be in front of potential home buyers wherever they go online. These

are behaviorally targeted ads to potential buyers in the market looking at listings, using for moving companiesthey and more. ty will be inmortgage front ofcalculators, potentialsearching home buyers wherever go online. These

orally targeted ads to potential buyers in the market looking at listings, using alculators, searching for moving companies and more.

Internet Strategy Jaqua’s online presence is further complemented by multiple regional and global sites.

These sites allow potential homebuyers to view current listings, complete with property information and pictures. According to a recent survey from the National Association of Realtors, 95% of homebuyers use the internet to search for homes.

The Multiple Listing Service through the Southwestern Michigan Regional Information Center, allows us to make your property information available to over 5,700 REALTORS® in 32 counties in West Michigan. Visitors are able to search all active area listings and view statistics.

Along with this widespread visibility, we believe accuracy is critical. We enter updates immediately so all prospective buyers have the most accurate information available.

The system also notifies all agents who may have clients interested in your home and informs them of any changes.

REALTOR® Platform Websites listings will be features on Battle Creek Association of REALTORS®

Montcalm County Association of REALTORS®

Branch County Association of REALTORS®

St. Joseph County Association of REALTORS®

Greater Regional Alliance of REALTORS®

Southwestern Michigan Association of REALTORS®

Greater Kalamazoo Association of REALTORS® Hillsdale County Association of REALTORS® Mason Oceana Manistee Association of REALTORS®

West Central Michigan Association of REALTORS® West Michigan Lakeshore Association of REALTORS®

Internet Strategy Internet Internet Strategy Strategy Realtor.com Realtor.com is is the the equivalent equivalent of of a a national national Multiple Multiple Realtor.com is the equivalent of a national Multiple Listing Listing Service.

Service. Realtors® Realtors® across across the the country country Listing Service.

Realtors® across the country promote promote the the use use of of this this site. site. promote the use of this site.

Zillow.com allows users to search millions of Zillow.com allows users to search millions of Zillow.com allows users to search millions of for-sale for-sale and and rental rental listings, listings, compare compare Zestimate® Zestimate® for-sale and rentalconnect listings, compare Zestimate® home home values values and and connect with with local local professionals. professionals. home values and connect with local professionals.

Trulia.com provides comprehensive school and Trulia.com provides comprehensive school and Trulia.com provides comprehensive and neighborhood information on homesschool for sale. neighborhood information on homes for sale. neighborhood information on homes for sale.

Msn.com, Msn.com, a a nationally nationally recognized recognized site, site, is is typically typically Msn.com, a nationally recognized site, is typically visited by the everyday Internet user.

MSN.com visited by the everyday Internet user. MSN.com visited by the everyday Internetbyuser.

MSN.com real estate search is powered Zillow.com. real estate search is powered by Zillow.com. real estate search is powered by Zillow.com.

MLive.com MLive.com is is Michigan’s Michigan’s most most popular popular news news and and MLive.com issite, Michigan’s most popular news and information information site, with with as as many many as as 1.1 1.1 million million unique unique information site, with as many is as 1.1 million24unique visitors visitors per per month. month. MLive.com MLive.com is updated updated 24 hours hours visitors per month.

MLive.com updated 24more. hours a day, with local news, sports, is weather and a day, with local news, sports, weather and more. a day, with local news, sports, weather and more.

All listings will also be featured on additional national websites, including: All listings will also be featured on additional national websites, including: All listings will also be featured on additional national websites, including:

Marketing Materials, Direct Mail & E-mail Campaigns The Jaqua direct mail marketing strategy uses multiple approaches to reach a large number of potential homebuyers. Our targeted marketing campaigns incorporate Open House invitations, property highlights and Just Listed postcards, enable us to share detailed information regarding your home and piques the interest of likely buyers.

Custom marketing materials will be prepared for your property by our in-house professional graphic designers. A professional full color property brochure showcasing your home will be developed and utilized for all showings and open houses.

In addition, targeted email and/or drip email campaigns are utilized on Jaqua Realtors’ platform. Email campaigns allow us to send customized emails about your property to large data bases. Agents are able to view the delivery, open and click rate for each email campaign.

Social Media Marketing As the use of social media platforms increases, we have placed an emphasis on social media marketing which has resulted in increased awareness for Jaqua Realtors and our listings.

We utilize our social media presence to drive traffic back to jaquarealtors.com.

We most recently launched a blog that provides relevant real estate updates and helpful information to our readers.

Social Media usage According to The Pew Research Center 65% of American adults are using social media.

Facebook continues to be the most widely used social media platform, with 79% of American internet users, according to Blue Corona.

The average social media user spends two hours on social media sites each day, according to Blue Corona.

Technology & Technology transactions& Our Dotloop platform provides our agents transactions an online resource to help streamline

the realplatform estate experience.

Ourentire Dotloop provides our agents an online resource to help streamline Thisentire intuitive powerful real estate the realand estate experience. technology is designed to allow our agents easy access to your transaction documents.

This intuitive and powerful real estate technology is designed to allow our agents Your agent able to quicklydocuments. edit listing easy accesswill to be your transaction and purchasing documents and share the documents withbe you anytime and edit anywhere.

Your agent will able to quickly listing You can e-sign on the documents without and purchasing documents and share the stepping foot intoyou theanytime office. and anywhere. documents with You can e-sign on the documents without stepping foot into the office.

Professional Photography A professional photography session will be scheduled for your property. The high-end, quality photos produced by our photography department will professionally showcase your home’s amenities, creating added interest from potential buyers.

According to a survey posted in the The Wall Street Journal, “listings with better photos command higher asking prices” and “listings with nicer photos get more online attention.”

The pictures of your home will be utilized throughout all marketing endeavors including online images and printed materials. Pictures taken with a photographic eye will help your home’s features to be captured at the best possible angle to attract potential buyers to your home.

Professional Photography Below are examples of Jaqua Realtors professionally taken photos.

HOW OFFERS WORK Once an offer is submitted (has left Linda’s email box), it is deemed delivered to the seller’s agent.

The seller(s) have the following options: 1 Accept the offer as written 2 Reject the offer 3 Counter the original offer 4 Do nothing (the seller is not obligated by law to respond to any offer or acknowledge receipt of an offer)

Once an offer is accepted, the offer is not fully binding until the seller has signed the offer. If the offer is signed electronically or by wet signature, it is deemed delivered to the buyer even if you have not received a paper copy. An offer is NOT binding if we receive a verbal acceptance or text acceptance

COUNTER OFFERS The seller(s) may revoke their counter offer at anytime prior to you accepting that counter offer. If you receive a counter offer from the seller, they still may receive and accept another buyer’s offer even if the deadline on your counter offer expires.

If negotiating verbally with a seller, even if there are several days of back and forth negotiations and a verbal acceptance has been reached, the seller still may receive and accept another offer prior to ALL parties signing an updated offer.

- ALL offers must be signed by ALL parties to be binding and in full effect.

Linda Fruin, realtor® ce

Yo i u r S er v

At

Associate Broker, GRI, e-Pro®, SFR®, ABR®, PSA, RENE, SRES®, LRS 269.217.4354 lfruin@jaquarealtors.com

269.341.4300 jaquarealtors.com 221 S. Drake Road, Kalamazoo, MI 49009

STATE EQUALIZED VALUE VS. TAXABLE VALUE Many of us either currently own a home or are thinking about purchasing a home. One of the terms you hear about or will hear about is SEV or State Equalized Value. The SEV of a home is how a property is valued for tax purposes. Assessed Value is defined by state law as 50% of the market value of the property as of December 31st of the preceding year.

An example would be if a home has a SEV of $86,000, the market value is $172,000 (or in easier terms, take the SEV and double it to arrive at the market value). The local assessor uses specific formulas and assessments to derive the SEV for each and every property using a mass appraisal technique (calculated to Michigan State Tax Commission standards) which takes into account the current cost to replicate the home and then depreciates that cost based on the age of the home. It is then adjusted to market value by comparing the depreciated cost of the homes that have sold in your area to their sales price. Each year the local assessor is required by law to analyze sales by economic neighborhoods using a 1 to 2 year sales study to adjust that neighborhood so that assessed values

keep property taxes from going up more than the rate of inflation. Most properties taxable values will be different from the SEV. This is because the property taxes for a property cannot be increased more than the rate of inflation or no more than 5% each year, but SEV can go up (or down) with no limits. Very often we see wide gaps between the Taxable are at least 50% of market value By Value and SEV. In most cases when a law, a home’s assessed value is not property sells, the Taxable Value can half the of the purchase price, but half the market value. The assessor is be uncapped and brought up to the not allowed to “chase the sale” which SEV amount for one year, then we means he/she cannot assess the home usually see the SEV go up faster than based on the sale price of a home only. the Taxable Value based on the rate of inflation or no more than 5% per year.

Many times when I review a listing, The SEV will never be less than the one of the first things that I look for Taxable Value. So if the is the SEV of the property and then I SEV and Taxable Value are equal and compare the SEV to the asking price.

If the asking price is much higher than the SEV goes down, the Taxable Value will stay equal to the SEV. the SEV, I then try to determine if there were many improvements made to the property such as a new deck, new windows, etc. In today’s current market, many homes are selling for well over twice the SEV. Taxable Value is the what the taxes for a property are based on. In 1994, Michigan State Government designed Taxable Value as a way to

If you, a neighbor, friend or relative have any questions about any of these items, please contact me, I would be happy to help.

Linda Fruin, realtor®

ce

At

Associate Broker, GRI, e-Pro®, SFR®, ABR®, PSA, RENE, SRES®, LRS Yo 269.217.4354 i u r S er v lfruin@jaquarealtors.com

269.341.4300 jaquarealtors.com 221 S Drake Road, Kalamazoo, MI 49009

Linda Fruin, realtor®

ce

At

Associate Broker, GRI, e-Pro®, SFR®, ABR®, PSA, RENE, SRES®, LRS 269.217.4354 Yo i u r S er v lfruin@jaquarealtors.com

269.341.4300 jaquarealtors.com 221 S Drake Road, Kalamazoo, MI 49009

Advanced Costs Towards Home Ownership Provided By Linda Fruin

What should you expect?

EARNEST DEPOSIT

FIRST YEAR OF HOMEOWNERS INSURANCE

(usually 1% of sale price) when offer is made.

This amount is credited back to you at close and is applied towards your closing costs and pre

Usually due two weeks prior to closing. Amount will vary depending on the sale price of the home.

Example: $115,000 house approximately $600.

DOWN PAYMENT

Conventional financing requires a 5—20% down payment.

FHA financing is requiring a 3.5% down payment.

HOME INSPECTION $400—$500* Rural Development is a zero down federal loan pro$65-80 PEST INSPECTION gram. The home must be in a Rural Development qualified area to qualify for the zero down payment.

RADON INSPECTION $150* The Buyer will still need to pay for 3% of the sale price *If requested, payment is due at the time of service. towards their closing costs or have their realtor® neA lender does not require these services. Fees gotiate that with the Seller. paids.

are approximates and are not guaranteed by the realtor®.

Please verify price with vendor.

APPRAISAL FEE

Varies from $400 to $475 & payment may be required at the time of loan application. Please verify with your lender.

CLOSING COSTS

Buyers will also be responsible for closing costs, which is approximately 3% of the sale price of the home. In some cases the closing costs can be negotiated so the seller pays for it and/or it is added to the mortgage (if the additional costs can be supported by the appraisal.)

Linda Fruin, realtor®

Associate Broker, GRI, e-Pro®, SFR®, ABR®, PSA, RENE, SRES®, LRS 269.217.4354 lfruin@jaquarealtors.com