Buyer's Package - Gary Nein

Buyer’s Package

Prepared for: Gary Nein Jessie Grandpre 425.248.5000 Jessie@JessieGrandpre.com

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My Services For Buyers                        

Provide assistance with lender selection, pre-approval and approval Analyze your home criteria with you Customizing a search in the Northwest Multiple Listing Service (NWMLS) based on your requirements and criteria Review your search daily and forward you potential properties for consideration Update you on home availability Arrange an unlimited number of personal home tours. Believe it or not some agents charge per home they show!

Answer any questions you will have along the way Provide community resource information Negotiate the purchase of any “for sale by owner” Explain the Purchase and Sale Agreement Provide expertise and advice on how to strategically structure offers Prepare a Comparative Marketing Analysis on the property prior to making an offer Write a contract that will protect you as the buyer Negotiate the best terms possible Create a pending to closing calendar to inform you of important dates and deadlines Coordinate with the listing agent, lender, title and escrow companies, home inspectors and all other parties involved in your transaction Ensure your earnest money is deposited on time Assist in ordering the home inspection and recommend certified inspectors Negotiate your inspection response Review the appraisal to confirm the appraised value is consistent or higher than the sales price Ensure all timelines are met and contingencies are satisfied Review the escrow closing statement form (HUD 1) Deliver keys at the time of possession Do whatever it takes to make your purchase successful

During the course of our sale, it became evident that Jessie is well-respected by her peers in the real estate industry. We were told by four people involved in our sale that we had one of the best agents representing us. Jessie’s communication style engaged easily with all parties involved. It was evident that everyone trusted her knowledge of the sale and her commitment to closing the deal. ~Luke & Felice

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About Me

I graduated from Willamette University then entered the work force at a corporate law firm in Seattle. I subsequently taught English in Japan and Special Education in Seattle and traveled around the world. I have worked, studied in and traveled to 70 countries. Traversing the world has demonstrated to me how fortunate I am to live and work in the Pacific Northwest.

In 2006 I teamed up with my mom, Sally Boge, who was a very successful real estate broker. Sally was a great mentor and I quickly learned all of the intricacies involved with helping people buy and sell real estate. Sally and I made a powerful team for several years. Sally retired in 2011, knowing our clients are in excellent hands.

I am happily married to a great man, Ted. I love travelling, playing tennis and exercising, reading, spending time with friends and family, dogs, happy hours and attending classes on various topics related to real estate (seriously!).

I thoroughly enjoy and excel at the many different components involved with being a successful realtor: marketing, negotiating, pricing, real estate contracts and legal aspects, market and trend analysis, staging, matching people with homes and properties, communicating with the numerous parties involved with a sale and problem solving. Working as a real estate broker is a great match for my skill set, energy level and personality. I can’t think of anything I’d rather do than represent home buyers and sellers!

How My Representation Will Benefit You

Real estate is likely the largest financial investment you will make in your lifetime. As a result, your purchase can be exciting, complicated and stressful. I am dedicated to making your purchase process as smooth and stress-free as possible. I am knowledgeable, experienced and a skilled negotiator. I demonstrate an exceptional level of integrity and professionalism and am efficient, determined and organized. I will educate about the purchasing process and will provide you with the information you need to make informed decisions.

My commitment is to work diligently to help find the best home for you and secure a purchase with the best terms possible.

I am dedicated to improving my skills and knowledge and am constantly furthering my education to better represent you. I have participated in seminars and courses on marketing, negotiating, legal developments, financing, escrow, technology, investing, short sales and foreclosures, to name a few topics. I have earned the Seniors Real Estate Specialist, Certified Short Sale and Foreclosure Resource, Certified Negotiation Expert and Accredited Staging Professional designations. I will continue to stay current on real estate laws, market changes and service offerings.

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I have a strong network and am well regarded and respected by my peers. I have created powerful working relationships with other real estate agents and professionals in the business including lenders, title companies, attorneys and home inspectors. My business and community connections and strong agent rapport will work in your favor during your purchase.

I am a market expert. I continuously analyze current market trends and activity. My knowledge is beneficial to you as it enables me to provide strong representation and to negotiate on your behalf.

For example, I track the number of homes that are currently listed for sale vs. the number of homes that have accepted an offer (pendings) to determine market ratios. Ratios enable me to identify whether we are currently in a buyer’s market, a balanced market, or seller’s market. If we are in a seller’s market, I will advise you to make a strong offer so you don’t let your dream home slip away over a relatively small amount of money. If we are in a buyer’s market, I will encourage a more aggressive offer. Knowledge of current market conditions is imperative in order to effectively strategize your offer.

Other important components I consider are a seller’s odds of selling and how long listings have been on the market. If a listing is brand new to the market, the seller will be optimistic and will not be very flexible with the price. If a house has been on the market for an extended period of time, the seller may be anxious to sell and might be willing to consider a lower price. I also monitor buying patterns to see if there are seasonal trends in sales of similar homes.

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In addition, I track the volume of competing listings in every price point and sales-per-price point to identify trends. I also analyze assessed values vs. the sales of prices of recently sold comparable homes to determine the ratios. This enables me to determine if there are any consistent current market trends between assessed values and sales prices. Furthermore, I assess appreciation rates and track absorption rates to determine how many months of inventory are currently on the market.

I will educate you about current market conditions, which will have a direct impact on our negotiation approach. My research methods are a tremendous benefit to you as my market knowledge enables us to strategically structure your offer. Furthermore, my research and analysis gives us the ability to articulate and apply our data to make a strong case as to why a seller should accept your offer.

In sum, my experience, high level of education, knowledge, resources, commitment, professionalism, market expertise and strong negotiation skills will provide you with a successful transaction. I look forward to working with you and navigating your way through real estate.

I am a REALTOR速 I am a member of the National Association of Realtors速 (NAR), which is the largest professional organization in the United States. All real estate licensees are not the same; only real estate licensees who are members of the NAR are properly called REALTORS速.

REALTORS速 are obligated to follow a strict Code of Ethics and are expected to maintain the highest level of knowledge concerning the process of buying and selling real estate.

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The Buying Process I had a first-rate and fun home-buying experience with Jessie as my agent. At the beginning of the process I was unsure of what I was looking for or what I could afford.

Jessie patiently led me through the entire process from start to finish. ~Shawna

Financing and Lender Pre-Approval It is important to communicate with a lender prior to beginning your home search to find out how much you are qualified to invest in a home. It would be devastating to find your dream home then to later find out you cannot qualify to purchase it. On the other hand, perhaps homes that you think are out of reach are actually realistic.

Your lender will educate you about different loan programs and current mortgage rates. The lender you select will also review your financial information to determine the amount you are eligible to borrow and will issue you a pre-approval letter. It is very important to have a pre-approval letter from a lender to submit with your offer. Sellers do not want to risk taking their home off the market for someone who may be unable to obtain a loan. In addition, the lender will let you know how much money you will need to put down and inform you how much you will pay in closing costs. The lender will answer any questions you have and will explain the loan process.

Your lender may require the following documentation:      

Your Social Security number Pay stubs for the last two months W-2 forms for the past two years Bank statements for the past two or three months One or two years of federal tax returns Information on current debt, including car loans, student loan, credit cards, etc.

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Preferred Lenders Travis Coursey Guild Mortgage Office: 425.967.7809 Cell: 425.508.1496 tcoursey@guildmortgage.net

Karen Brewer HomeStreet Bank Office: 425.678-4251 Cell: 425.327-6301 karen.brewer@homestreet.com

Bill Steward Penrith Home Loans Office: 425.357.9390 Cell: 425.330.2990 bill.steward@penrithloans.com

Jessie Grandpre 425.248.5000 Jessie@JessieGrandpre.com

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There are many lenders and it is important to find one you trust. An incompetent lender can be detrimental to your purchase. My clients have been extremely pleased with a handful of lenders who I am happy to refer you to. You may want to interview multiple lenders to determine which lender is the best match for you.

Closing Costs: Closing costs are fees associated with the purchase of a home. The buyer and seller share some of the costs while also incurring separate costs.

Buyers typically pay for half of the total title and escrow fees along with recording and document preparation fees, pro-rated property taxes and homeowner’s insurance reserves. Buyers are also responsible for fees associated with the loan such as a loan origination fee, appraisal, credit report, etc.

Sellers pay real estate commissions, excise tax, half of title and escrow fees, document preparation, recording, and reconveyance fees, pro-rated taxes from tax due-date to date of closing and any costs involved with paying off their loan. There may be additional costs as well.

Determining Your Wants and Needs I need to know what you are looking for in a home. The more I know about what you need and what you would like, the better I can assist you in your home search. I will discuss your criteria from number of bedrooms and bathrooms, square footage, investment range, location, lot size, price, school district, age of home and garage size to type of home so I can refine your search and filter out homes that will not work for you. Keep in mind that very specific criteria may not yield many options while a search that is too broad may overwhelm you with matches!

Reviewing Listings/Online Shopping/Drive-bys After our discussion about your criteria I will customize a search for you in the Northwest Multiple Listing Service (NWMLS). The MLS hosts listings from every real estate agency, so it is an all-in-one home database that only real estate agents can access. Once I set up your search I will see the homes that match your criteria and will forward the listings to you.

The number of listings in the initial batch I send you will vary depending on your criteria. Look through the listings and let me know which ones look interesting. I will be alerted when a new listing enters the market that meets your criteria and I will promptly forward the new listing information to you. I will also forward listings that have reduced in price. If you see listings that look interesting let me know!

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Many people enjoy looking at homes on the internet. If you are interested in searching for homes online there are a lot of great websites you can go to including www.JessieGrandpre.com. My website is powerful and has all of the features you need to make your search process simple and efficient.

Again, if you find listings that interest you please let me know what the MLS #’s are so I can check availability and provide you with supplemental information that is only available to real estate agents.

In addition to searching online, many people find it helpful to drive-by a home and scout out the neighborhood to determine if they have any further interest. A home may turn out to be located next to a freeway, gun range, dairy farm, train tracks, etc and the location alone might disqualify a home for you.

Many homes are eliminated from lists after people see the home and check out the surrounding area.

Previewing Homes There will most likely be many homes that you are interested in seeing after reviewing the listings. Great! This is when the fun begins!

We will schedule a day and time to preview homes. We can look at vacant homes anytime. I will schedule appointments with homeowners for homes that are owner-occupied. If a home is rented, we are required to give the tenants 24 hours notice prior to previewing the home. I will organize the route, schedule appointments and supply you with the home and property information.

The process of finding the right home for you may be quicker or take longer than you expected. You may find the perfect home on our first outing. Or we may end up looking at what feels like a million homes.

Either way, we’ll work together until we find the right home for you.

Jessie took me on an all-encompassing tour of homes. She gave me a thorough overview of houses available on the market, and an in-depth review of the various areas. With each viewing she took a full assessment of my likes and dislikes. She used this information to refine the list of possibilities for a home that would fit my needs and wishes. I was thoroughly impressed by how quickly Jessie could understand what I was looking for, even when I was unable to articulate it myself. ~Skippy

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Making an Offer Once we find a home you love I will explain the Purchase and Sale Agreement and review all the components involved in making an offer. I will do a comparative market analysis on the property and will consider many factors in order to strategize our approach to the seller. I will work with you to decide the terms and conditions of the offer and will provide my expertise and advice on how to structure the offer.

Jessie took great care to explain all of the legal aspects of the contract so that we really understood the commitment we were making. ~Doug and Bonnie One of the many components involved with an offer is earnest money. Too little earnest money can lead sellers to believe you are not a strong buyer. Too much earnest money is simply not needed and creates unnecessary risk. Earnest money in the amount of 1% of the purchase price is standard. Your earnest money will be deposited within three days of your offer being accepted and will apply to your down payment or closing costs.

I will include several contingencies in your contract to protect you, such as home inspection and financing contingencies. Your earnest money will be refunded to you, if you decide to terminate the purchase due to one of the contingencies we included in The Purchase and Sale Agreement. If you default on the contract, without a legal excuse, or after your contingencies have expired, you may forfeit your earnest money. I provide protection for the earnest money in the Purchase and Sale Agreement and diligently monitor timelines and contingencies.

I will also discuss strategies to make your offer stronger in a competitive situation. The seller has the option to accept your offer, reject your offer, or make a counter-offer. There may be a couple rounds of counteroffers before an offer is rejected or accepted. I excel at negotiating the best terms possible for my buyers.

Addressing Contractual Contingencies Finding a home that you want to purchase and submitting an offer is only the beginning! After your offer is accepted there will be several steps and deadlines involved in the purchase process. I will make you a calendar of the timelines and will assist you with every step.

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After my offer was accepted, Jessie supplied me with an in-depth schedule of events that needed to take place between the acceptance and the closing. The calendar was extremely useful in guiding me as to when I needed to have paperwork ready and decisions made. Jessie placed an emphasis on making sure I was comfortable and informed throughout the entire transaction. ~Lily

Home Inspection A home inspection will determine if there are unknown flaws or problems with the house and will give you a better understanding of the overall condition. Typically we will have up to 10 days after your offer is accepted to complete your home inspection and submit the response to the seller. I will recommend excellent certified home inspectors to you. The fee for a home inspection ranges between $375 and $425 for average sized homes. Condos and townhomes may be less expensive while larger homes or properties with outbuildings will be more expensive. You will pay the inspector directly for his or her services at the inspection.

I strongly recommend you attend the inspection as it is a fantastic opportunity to learn more about the home you are purchasing, however your presence is not required. The home inspection will take approximately three hours. The inspector will evaluate the structural integrity and condition of the home and specifically address the exterior, foundation, basement, crawlspace, roof, interior, garage, heating, plumbing and electrical systems.

The inspector will give you an overview of the home and will advise you of any concerns detected. You will receive a comprehensive report discussing the findings to fully inform you about the condition of the property. We will use the report to prepare our inspection response.

If the inspection is flawless, I’ll put a sold sign up and proceed towards closing. If the inspection yields numerous or significant defects, you may choose to terminate your offer. If there are items that need correcting (there usually are) we’ll discuss the items and decide which ones to ask the seller to correct. The goal is for both parties to come to a reasonable agreement so we can move forward with the purchase. If an agreement is not reached we will terminate the transaction and resume our home search. In this case, your earnest money will be refunded to you, provided we are within the timelines agreed upon on our contract.

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ReInspection If there is a long list of repairs—or even a few critical issues that need addressing—you may want to hire your inspector to re-inspect the home prior to closing.

Septic Inspection

If you are purchasing a property that has a septic system the seller will have the system inspected and if necessary pumped at the seller’s expense. The seller will order the inspection. You will have the right to attend the inspection and the seller will provide you with a copy of the inspection report. It is not necessary or required to re-inspect a system that was inspected in the prior 12 months.

Well Inspection If the property you are purchasing is on a community, shared or individual well you are entitled, at your expense, to test the flow rate, check the purity standards, verify the source is adequate and that the system meets federal, state and/or local standards.

Financing Unless you are paying cash, I will include a financing contingency in your offer. This contingency provides time to work with your lender to confirm you qualify for financing with acceptable terms. There are many conditions that need to be met in order to obtain full financing approval. In addition to your income, debt and credit scores, financing approval is subject to a satisfactory appraisal, clear title and other factors pertaining to the home and property. The lender will place orders for the appraisal, flood determination, a title search and title insurance and will also lock the rate on your loan.

It is important to discuss the timing of locking your rate with your lender. Locking your interest rate protects you from increases in interest rates that may occur while you are waiting to close. It is important you know that once your rate is locked you will not be able to change it – even if rates go down before your closing date. Even the professionals have a hard time predicting whether mortgage rates will go up or down.

Therefore, once you have a rate that makes the monthly mortgage payment one that you are comfortable with, it can be a good idea to lock the rate, so you will know exactly what to expect.

Once all of the necessary information is obtained, the lender will submit your file to underwriting for review and approval. The underwriter may require additional information from you, which will be communicated to you via your lender.

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It is critical that you supply the documentation or information requested as quickly as possible in order to prevent a delay of closing. Once final approval is given by the underwriter, your lender will confirm all fees and order the loan documents to be drawn up. The loan documents will be sent to the escrow company.

The standard timeline for the financing contingency is 30 days. It is imperative to obtain full financing approval during the agreed upon timeline in order to protect your earnest money.

Appraisal

Your lender will order an appraisal to confirm the value of the home is consistent or higher than the agreed upon purchase price. The appraisal is essentially the banks way of making sure the loan they are extending on the home is a good investment. A licensed appraiser will visit the property and will perform a general inspection. You do not need to be present for this appointment and the fee for the appraisal (approximately $450—$500) will be included in your closing costs.

The appraiser will use comparable sales and current market information to complete the appraisal. The appraiser often determines the value of the home is consistent with the sale price. It is extremely rare for the appraisal to indicate a value higher than the sale price.

If the appraised value is less than the sales price, you will have a few options. You can request a reconsideration of value by the initial appraiser or order a second appraisal. Another option is for the seller to agree to reduce the sale price to the value indicated in the appraisal. A final option is for you to pay in cash the difference between the price we’ve agreed upon with the seller and the appraised value. If the above options fail you will terminate the contract and your earnest money will be reimbursed to you.

Title It is important to determine if there are any liens, encumbrances or any other issues on the title that would restrict transfer of ownership. A title search could reveal unpaid taxes, delinquent mortgages, easements, judgments against previous owners and many other court actions or recorded documents, which can have a negative effect on the property.

The title report is typically ordered right after mutual acceptance of the Purchase and Sale Agreement. Copies of the report are distributed to the lender, the escrow company, real estate agents and the buyers and sellers. A title expert will review the title report and will inform us if there are any irregularities.

Many homes are located in communities that have Codes, Covenants and Restrictions (CC&R’s). The CC&R’s will be described in the title report. It is important that you review the CC&R’s to make sure you are aware of community rules and to confirm the property meets your needs.

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Title Insurance Once title is cleared title insurance can be issued. First American Title explains title insurance as “Insurance that, if any undisclosed claim covered by your policy arises out of the past to threaten your ownership of real estate, it will be disposed of, or you will be reimbursed, exactly as your title insurance policy provides.”

The premium for title insurance is a one-time expense paid for at closing. The title policy will protect you as long as you own the property.

Homeowner’s Insurance During your financing period you will need to obtain homeowner’s insurance. Contact your insurance agent and let them know you are purchasing a home. Your insurance agent will prepare an insurance binder and will forward the binder to your lender. Homeowner’s insurance is required to obtain a loan as it protects you against loss or damage due to theft and fire. Depending on the location of the home, you may need flood insurance as well.

Homeowner’s Association If the community the home is located in has a Homeowner’s Association you will have an opportunity to review and approve documentation pertaining to the association. This documentation may include financial statements, rules and regulations and minutes from previous meetings, etc.

Once all of your contractual contingencies have been satisfied and your loan has been approved you’ll be very close to owning your home!

Utilities At this point you need to start preparing for your move, which includes setting up all of the utility accounts in your name. You’ll need to call the local electricity, water/sewer, garbage and gas companies to notify them of your move in date and establish your accounts. You may also want to schedule a cable and/or internet provider and any other companies whose services you desire.

Escrow

The escrow company is a neutral third party that holds and processes legal documentation and funds on behalf of a buyer and seller. Escrow agents work with the real estate agents, lenders, buyers and sellers to facilitate the closing of the transaction. The escrow company has many responsibilities including:

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      

Clearing title by going through each lien and clearing it Obtaining an insurance binder from your lender Obtaining information pertaining to mortgage balances, homeowner’s dues, utilities, real estate commissions, taxes, etc Preparing an estimated settlement statement Preparing legal documents Overseeing the signing of the closing documents Disbursing funds

Once your loan is approved the lender will send your loan documents to the escrow company. The escrow officer will review your documents and then will generate an Estimated Settlement Statement.

This statement will itemize your closing costs, which are all of the fees involved with your purchase. In addition, the statement will reflect how much money, if any, you will need to bring to closing.

The escrow officer will call you to schedule your signing appointment and will let you know how much money you need to bring in to close. The officer will also supply instructions as to how you can get the necessary funds to escrow.

In a perfect world your loan documents would arrive at escrow three days prior to closing. However, this is usually not the case.

Documents more often than not arrive behind schedule. As a result, you need to be prepared for little notice prior to your signing appointment and you may need to quickly arrange obtaining and/or transferring the funds for closing.

Your signing appointment at escrow will take approximately 45 minutes. Make sure you bring the necessary identification. You will sign many closing and loan related documents. The escrow closer will provide a brief explanation of each document so you understand the forms you are signing. Please notify the escrow agent if you have any questions about the paperwork or if you see any errors.

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Closing After your escrow signing appointment the waiting begins. The escrow officer will send the documents back to the lender for final review. Once the lender gives the final OK they will release the funds to the escrow company. The escrow officer will then send the necessary documents, the Deed signed by the seller and the Deed of Trust for the new loan(s) signed by you, via courier, to the county court house to be recorded.

Once the documents are recorded the escrow company will inform me they have recording numbers and will release the proceeds of the sale to the seller. It is common to get confirmation that the sale has recorded minutes before 5pm on the closing day. At this point the home is all yours! Congratulations!!

It is extremely important to be aware that the closing date agreed upon in the contract is not set in stone. It is a goal that everyone will work very hard to accomplish, but there are many steps in the purchase process and a delay in one step could result in a delay of closing. For example, the appraisal could take longer than expected, repair work may need to be done on the home, the title report may show there is lien on the property that needs to be resolved, etc.

The possibility of closing being delayed is something you need to be prepared for – especially if you are giving notice to a current landlord or have a trip planned or any other events scheduled near closing. Delays are even more likely when a home is under construction.

Working with Jessie to purchase my first home was a pleasure. She was patient and understanding of my home requirements. We must have looked at 30+ houses that were with-in my categories before I made a decision. I never felt pressured to buy a specific house or rushed to make a decision. Because I was a first time home buyer, it was great to have Jessie there to help me understand the buying process. She is very knowledgeable and gave me many options to work with. There is no doubt in my mind that I would work with Jessie again when I decide to sell and/or purchase a new home. I have often recommended Jessie to my friends. The service Jessie provides is very professional and I felt very comfortable working with her. ~Calvin

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Frequently Asked Questions Buying a home is very exciting! It is also very complicated and most buyers do not fully understand all aspects of the buying process and the role a real estate agent plays. Naturally you may have a few questions. If you have additional questions that I do not address here, just ask!

How much will it cost me to hire your?

Hiring me will not cost you a penny. My compensation will come from the seller’s proceeds at the closing of the transaction.

Can you give me information regarding properties that are listed by companies other than Windermere?

Yes. The Northwest Multiple Listing Service (NWMLS) hosts listings from every real estate agency that is a member of the MLS. As a result, the MLS is essentially an all-in-one home shopping network that real estate brokers access. The only properties not included in the NWMLS are properties that are listed “For Sale by Owner� (FSBO). As a result we are unable to inform you about these properties.

What if I find a home that is listed For Sale By Owner (FSBO) that I am interested in purchasing?

I can still represent you, negotiate your purchase and handle the entire transaction. In many cases the seller is expecting an agent to bring and represent a buyer and is willing to compensate the agent. In other cases buyers enter into an agency agreement with their agent and it is the buyer who has the responsibility to compensate the agent for services rendered.

What if I find a property on my own?

I expect you to be searching for homes online as it is fun and interesting! You also may come across a home for sale while you are driving. If you find listings online, email or call me with the MLS number(s). If you are driving try to note any information you can about the home and address and contact me. I can access the information for the home you are interested in to determine the availability and price and to learn more about what the home has to offer. If you are interested in seeing the interior of a home we can schedule a showing.

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Can we look at homes anytime?

We can preview a home that is vacant at anytime. However, if a home is owner-occupied we must schedule a time with the homeowner. If tenants are occupying a home they are entitled to 24 hours notice prior to showings.

Can I go to open houses without you?

Yes. However, make sure you indicate to the agent who is holding the open house you are working with me. If you are interested in attending open houses let me know and I will give you a handful of my business cards to supply to agents you will encounter. If you do not inform other agents you are working with us there could be negative ramifications for both of us. In some extreme cases, I might not be able to represent you if you decide to purchase that property in the future. Many open houses, especially new construction neighborhoods, have site policies that reduce my commission if I am not present at all showings, including the open house. The best course of action is to communicate to the agent that you are working with me to prevent any negative consequences.

Please keep in mind that I like to go house shopping with you! I enjoy getting to know you and learning about your tastes and preferences. The more homes we look at together and the more feedback I receive from you, the better I can help you find the best match. However, if you happen to stumble across an open house when I am not with you, feel free to check it out.

What if I am unhappy and want to switch agents?

I want and encourage an open line of communication. If I am not meeting your expectations please tell me! I want to know your preferences and opinions and appreciate the opportunity to discuss any frustrations you may be experiencing. I am confident I will exceed all of your expectations. However, if you are unhappy with my services and we are unable to work out our differences, I will respectfully part ways and you can hire another agent.

Jessie provided a smooth and enjoyable home-buying experience. She has an obvious passion for matching people with homes they will love. Jessie’s love of real estate was consistently demonstrated in her knowledge of the market, attention to detail throughout the transaction, and commitment in making sure my needs were met and addressed at all times. I will absolutely hire Jessie for all my future real estate transactions. ~William

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What My Clients Are Saying About Me Jessie, we still can’t believe you were able to sell our home in Harbour Point in less than 30 days, even in a declining market. We are very impressed with you and your team, from the lender to home inspector and even your color coordinator and window washer. At a time when honesty and trust is not always easy to come by, we wanted you to know how much we appreciate what you have done for us. We are so happy we put our trust in you because we would not be in our dream home on a lake today without you! Thank you for all of your help in making our real estate dreams come true! ~Ted and Debbie Jessie is an amazing Realtor. We knew we would be well taken care of from Jessie’s high level of professionalism at our first meeting. Jessie was extremely knowledgeable, efficient and thorough. Jessie’s ability to effectively communicate and personable demeanor made both selling our home and purchasing a new one a fun, pleasant experience. Jessie handled the most stressful events in our life with ease and care and looked out for our best interest throughout our transactions. We were amazed that she was always on the go and available, making sure we were being well taken care of. We appreciated the endless amount of resources Jessie provided. We can only hope to work with Jessie again in the future. She is the only real estate agent in the greater Seattle area that we entrust with our family and friends. ~Steve and Nicole Overall, Jessie provided a smooth and enjoyable home buying experience. Her love of real estate was consistently demonstrated in her knowledge of the market, her attention to detail throughout the transaction, and her commitment in making sure my needs were met and addressed at all times. I will absolutely hire Jessie to represent me in all of my future real estate transactions. ~Skippy We were impressed with Jessie’s knowledge of the real estate market and her professionalism. We asked Jessie to become our real estate representative. In less than a few months she sold our condo and helped us with the purchase of our new home. Jessie is a skillful advertiser, friendly, enthusiastic and responsive. We are now very happy to be living in “The Meadows.” Thank you Jessie! ~ Salvador and RoseMarie Jessie is absolutely amazing! She went above and beyond what she needed to do. I had unsuccessful relationships with a few real estate agents before finding Jessie and now I can say that I found a real estate agent for life! ~Nick

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Jessie was great to work with and always quick to respond if we had a question or wanted to look at a house.

She even went above and beyond after we closed to make sure that our house was perfect for moving in.

We enjoyed working with Jessie because she is very vested in putting her clients in a house that is exactly what they want and also a good investment for their future.

This was my first experience buying a house. I know that when I go to sell it and buy a different house, I would be happy to work with Jessie again. ~Deb Right from the start, we found Jessie to be easy to talk to and knowledgeable of the market and area. We have never met a real estate agent who is such a hard worker! We found that during the transaction process, as always, in real estate, potential problems would arise, but Jessie quickly and professionally found a solution. She was only a phone call away from calming the emergency at hand. We would not hesitate in recommending Jessie to anyone who has real estate needs. We appreciate her hard work and are thankful for everything she did for us. ~Don & Sally Working with Jessie was the best experience I have had in the real estate world! I have bought and sold four other homes the past. The difference in hiring Jessie as my agent was that at every turn of the buying process, she was always a step ahead of anything that could slow down the process. She does her research, knows the market and truly listens to what the buyer wants. Jessie goes above and beyond to make buying a home a stress free experience. She is a 10 in my book! I will refer Jessie to anyone looking to buy or sell a home! ~Barbara Jessie was there for me. She offered professional wisdom and was caring as she pointed me in the right direction toward the sale of my house and the purchase of another. I appreciate that Jessie was respectful of my circumstances as she lead me through both processes, and all the paperwork! I certainly would/will call on Jessie again. I know my family will be in contact with Jessie, if their needs arise. Her expertise proved itself to the family and I am thankful for everything Jessie did for me. ~Cheryl Jessie is very personable and works very hard to find the house that fits the person. She is not just about selling you a house, but helping you find a house that you can say yes I really love this place! ~Linda

Windermere.com

IMPORTANT INFORMATION CONCERNING YOUR DISCLOSURE RIGHTS AND OBLIGATIONS Seller disclosure is one of the most important parts of a real estate transaction. Sellers need to know what information they are obligated to disclose, and Buyers need to understand their own duty of diligence and investigation. This Memo is provided by Windermere's attorneys as general legal information and not advice. Real estate brokers are not attorneys, and you should consult an attorney if you have any specific disclosure questions.

Information for Buyers Most buyers expect far more disclosure from the seller than the law requires. Sellers have no duty to inspect their property or look for defects and may not even consider a condition a defect after living with it for years. Instead, Sellers have a limited duty to disclose material defects that substantially affect the physical condition of or title to the property and information that substantially adversely affects the value of the property.

Sellers typically have no duty to disclose neighborhood conditions or past events at the property. For instance, sellers usually have no legal duty to disclose the following conditions either at the property or in the neighborhood: Murders, suicides, rapes or other crimes; Ongoing criminal or gang activity in the neighborhood; Registered sex offenders in the neighborhood; Future development in the area; or Political or religious activities in the area.

If these or similar matters are of concern to a buyer, then the buyer should include an inspection and "Neighborhood Review" contingency in any agreement and follow through with the inspection.

Washington law imposes a duty of diligence on the buyer to fully investigate the property and any information provided by the seller. A buyer is charged with the knowledge that the buyer would have obtained with a diligent investigation. For example, a buyer who receives an inspection report identifying a possible defect has a duty to investigate further and may be barred from seeking compensation from the seller if the defect could have been discovered through further inspection. A diligent investigation is the best way for buyers to avoid problems after closing and for sellers to reduce their risk of claims.

A diligent investigation often involves more than a standard home inspection.

Information for Sellers Although the law provides sellers with many protections, it does not prevent unhappy buyers from starting a lawsuit, and most buyer lawsuits are not covered by insurance. Sellers should consider disclosure to be a form of insurance. By disclosing a condition, the seller shifts the burden of investigation to the buyer. By remaining silent, a seller risks the appearance of concealment and a lawsuit.

To prove fraudulent concealment, a buyer only has to prove that the seller had actual knowledge of a hidden defect and failed to disclose it. The buyer does not have to prove a seller's intent to deceive or hide the defect. At the same time, once the seller does disclose an actual or possible defect, the duty shifts to the buyer to exercise diligence and investigate.

Instead of minimizing disclosures, a prudent seller will try to consider the property from the perspective of a buyer and then disclose what a buyer would want to know. Many of the conditions that lead to lawsuits would have been acceptable to the buyer if they had been disclosed in advance. Other conditions simply are not important enough to the buyer to fully investigate before purchasing a property. To maximize the benefit of disclosure law, sellers may want to make full disclosure of the property and neighborhood even if they have no legal duty to do so. It is usually better to be over-insured than not insured at all.

Windermere.com

Thank You! Thank you for taking the time to review my qualifications and the enclosed information. Buying a home is one of the biggest and most important decisions and investments you’ll make in your life! The process can be overwhelming, stressful and exciting. I am here to assist you with every step of the purchasing process. I will help you make a wise real estate investment and will ensure your transaction goes as smoothly as possible. I look forward to working with you and navigating your way through real estate.

Please let me know if you have any questions.

Jessie

I am grateful to have had the opportunity to help many home buyers and sellers accomplish their goals!

Jessie Grandpre 425.248.5000 Jessie@JessieGrandpre.com

Windermere.com