Buyer Experience

The Buyer E xperience

The Berkshire Hathaway HomeServices Difference

We are proud to lead the way in marketing and technology, however these innovations are not what define us. Our unparalleled value is in each one of our sales associates and their industry knowledge, professional experience and commitment to building a relationship with you that far outlasts the closing table. Berkshire Hathaway HomeServices is the FOREVER BrandSM. Our team members are local experts, community activists, liaisons, advisors and oftentimes a friendly ear to listen. We earn trust by partnering with you to achieve your goals and look forward to the opportunity to help you thrive in the communities we serve or wherever life takes you.

We have assisted thousands of people in the purchase or sale of a home, which for most of them is the largest, single asset they will own in their lifetime. And in the course of doing all that business, we’ve learned the area rather well - after all, it’s also the place we call home.

Berkshire Hathaway HomeServices - Yost & Little Realty is one of the most trusted real estate names in North Carolina. Not only does that mean that home buyers and sellers have a valuable partner at their side, it means we’re here to stay.

Beyond our name, there are certain qualities that define us: traits, practices and values. That’s our will to exceed expectations for exemplary service and professionalism in every single thing we do. We build lasting relationships based on trust and care with our clients and the communities we serve. We partner with our associates to create an environment that fosters success and meaningful careers. Most importantly, we exist to redefine home buying, selling and ownership by integrating all the elements of the transaction into a seamless real estate experience.

Sincerely, Kyle Tyner Broker, REALTOR®

Home Buying Process

The buyer experience begins and ends with you. I will serve as your professional consultant to guide you through this transition, and any future real estate needs. I am dedicated to streamlining your experience so you can focus on the demands of daily life.

the Right

Consultation

Financing

Introduction to our Home Mortgage Consultant and completion of the pre-approval process.

Home Loan Document Checklist

Income Information

30

Federal

Retirement

Written

Credit Information

Most recent 2 months

blank (Example:

If applicable:

items

Documentation

If

any large

account,

the

each

2 years

application — all pages to each statement even

account, CDs, money market accounts, IRA, 401k, etc.)

collections, judgements or other derogatory

fund

shown on asset statements

Finding the Right Home

Making an Offer

Review of disclosures and property information to make an informed decision.

Review comparable sales and market conditions to determine offer price.

Be prepared with your pre-approval letter, due diligence fee, and earnest money deposit.

Negotiations

Offer is delivered to the listing agent for presentation to the seller.

Seller responds with acceptance, rejection or a counter-offer.

Offer becomes a binding contract once all parties have signed and communicated.

Beyond Closing

At Berkshire Hathaway HomeServices Carolinas Companies we are committed to building lasting relationships based on trust and care. I will continue to be a resource for you by providing annual real estate reviews and recommendations for service providers. I also look forward to assisting your friends and family.

Estimated Closing Costs

Appraisal:

Attorney Fees:

Brokerage Fees:

Cost Associated with

consultant

Escrow Deposit:

Reserve for HOA dues, taxes,

etc.

Homeowner’s Insurance:

Warranty:

Home, Radon, Septic,

Recording Fees:

Termite

This should be used as a

figures. A

for

purposes only and costs are not to be construed as

breakdown will be made available before closing.

Smooth Transition to a New Home

4 WEEKS BEFORE MOVING

• Contact and contract with a reputable moving company.

• Have school records transferred.

• Arrange to transfer or transport medical, dental, and other important records.

• Transfer homeowner’s and auto insurance to be sure of continuous coverage.

• Hold a garage sale, donate unneeded items, and place excess items in storage.

• Keep track of moving related expenses (some may be deductible).

3 WEEKS BEFORE MOVING

• Complete change of address with the post office, subscriptions, credit card companies, and important contacts.

2 WEEKS BEFORE MOVING

• Arrange for final utility readings at the former residence the day after moving out, and have utilities and phone turned on at the new home the day before moving in.

• Close, update or transfer bank accounts.

• Arrange for transfer of vehicle registration and drivers’ licenses.

• Have an extra supply of prescription medications for the next four weeks.

• Schedule a final walkthrough of the property; make sure everything is in order.

MOVING WEEK

• Keep valuable financial records and personal papers with you; do not pack them with the rest of the household goods.

• On closing day, the home purchase documents are recorded and the home is now yours.

• Move in.

AFTER MOVING IN

• Consider plans for landscaping design, installation, and maintenance.

• Review home security requirements and systems.

• New home furnishings, appliances, and interior decorating will make the house a home.

BERKSHIRE HATHAWAY wants to be in businesses that are enduring. Real estate brokerages will be around 100 years from now and HomeServices of America will be around 100 years from now. We love that HomeServices is part of Berkshire Hathaway and we would love to see it grow a lot.

Relocation

— Warren Buffett Chairman and CEO Berkshire Hathaway, Inc.

Homeowners Insurance

WHO WE ARE

We

one of the largest personal lines

agencies in the country

a simplified

experience.

working with the most financially secure

OUR INSURANCE COMPANIES

carriers

are able to provide our clients with the most competitively priced products specifically tailored to their individual needs.

WHY WE ARE HERE

are here to make

easy as possible for our clients.

for them to find

to their specific needs all while providing them the highest level of customer

AVAILABLE COVERAGE

Title Insurance

At real estate closings, the lender, if any, requires a title insurance policy (Loan Policy) to ensure that the lender’s interest in the property is protected. To protect your investment and ownership in the property, you also need a title insurance policy (Owner’s Policy). There are no annual payments to keep the policy in force. A one-time fee at the real estate closing protects you against a wide variety of risks to the title of your property.

As part of the seamless transaction for our clients, we are pleased to offer title insurance through our wholly-owned title insurance company, Attorneys Title. Attorneys Title has

provided title insurance to North Carolina homebuyers for over 35 years. As an agent of First American Title, Commonwealth Land Title and Chicago Title insurance companies, our experienced staff and legal team are prepared to handle all of your title insurance needs. We have access to over 2 million prior policies and provide a reissue rate when applicable, to help ensure you are getting the best price for your title insurance. To take advantage of our streamlined process, simply indicate to the attorney of your choice that you designate Attorneys Title as your title insurance provider.

has

Strength, Trust & Integrity

Berkshire Hathaway Inc. is a worldwide holding company based in Omaha, NE. Its Chairman and CEO, Warren Buffett is ranked one of the world’s most influential people according to Time magazine. “When people are making the decision of the magnitude of buying a house, it’s the biggest decision a great many families will ever make. They want to know who they’re working with and we think that the Berkshire Hathaway name will be reassuring to many of those people,” says Buffett.

Berkshire Hathaway HomeServices Carolinas Companies benefits from a globally respected reputation and a sound financial foundation. Our roots are local, and our reach is global.

As proud members of this remarkable network, we thrive on helping buyers and sellers find their perfect home whether around the corner, across the country, or anywhere in the world.

Our Promise

EXCEED expectations for exemplary service and professionalism in everything we do.

lasting relationships based on trust and care with our clients and the communities we serve.

PARTNER with our associates to create an environment that fosters success and meaningful careers. REDEFINE the home buying, selling, and owning experience by integrating all the elements of the transaction into a seamless real estate experience.

ARE CERTAIN

DEFINE US –

PRACTICES,

Client Testimonials

We chose Kyle Tyner as our Real Estate Agent to help us with the sale of our home of 15 years. Wow! Yes, we definitely made the right choice. Kyle created a pre-listing timeline that helped us get our home ready for the market. He connected us to the vendors that helped our home look great! He made the process easier for us, and helped us sell for more. We were treated fairly, respectfully, and our wishes and concerns were always Kyle’s top priorities. So, whether you are selling your home, or looking for that dream home, and want this very important job done right, Kyle Is the best professional for YOU! We definitely shoot him FIVE STARS!

Kyle is the best REALTOR® we’ve ever worked with. He calmed our nerves and worked out some snags. He made our house buying experience smooth and very professional. I would recommend him to anyone looking to buy or sell their home. THANKS KYLE!!

He helped every step of the way. Also since we we’re moving from another state, he did some leg work here I was not able to. We could not have done this without him. A great big THANK YOU!

— LINDA, SELLER CLIENT

— JAMES J,, BUYER CLIENT

— LIZ H., BUYER CLIENT