TheMAXIMUM
GUIDE yers for
Bu
E
ST
R A M
BE E TH G YIN U B
ON
E H T
T E K
M HO
HELP US GET
TO KNOW YOU
and your needs 1. Family?
2. What do you do for a living? 3. Hobbies - what do you do for fun?
WHAT ARE YOUR
REQUIREMENTS
when looking for your home?
Home Home site Area Community Financing Features Time frame
WHAT ARE OUR
OBJECTIVES when finding your home?
1
HELP YOU FIND THE BEST HOME
2
NEGOTIATE THE BEST PRICE & SAVE AT LEAST $10,000 GUARENTEED!
3
SECURE YOU THE BEST FINANCING & THE BEST MONTHLY PAYMENT
4
PROTECT YOU DURING THE ENTIRE PROCESS
5
MAKE THE ENTIRE EXPERIENCE AS RISK FREE AS POSSIBLE
6
MAKE IT A FUN, EASY, AND MEMORABLE EXPERIENCE
PRICING
HOMES
Price Elasticity Over Priced
Best Value
to buy
Any Home can sell at the top of the market or the bottom of the market
MAKING
an offer!
Many Homes Fail To Close 75% of homes under contract without an agent fail to close 26% of contracts with an average agent blow up and leave buyers stuck with a failed investment Our success rate is an industry leading 91% closing rate of all buyers who go under contract
MEDICAL SCHOOL
for example...
A 1st year medical student can be taught how to remove an appendix in about 4 hours. It takes 7 years of schooling to know what to do if something goes wrong.
SUCCESS CLOSING HOMES
ANNUAL AVERAGE
67
27
5
AVG. REALTOR
LOCAL TOP PRODUCER
MATT O’NEILL TEAM
1. Nobody Knows The Market Better 2. Nobody Has Access To More Homes
Why choose
EXCLUSIVE Buyer Specialists?
BUYER
Agency
Let’s start by
MATT O’NEILL PRESIDENT
understanding BUYER AGENCY
DAVE FRIEDMAN
KYLENE SULLIVAN
NATE GAINEY
LISA OLIN
SUE MCGHEE
REALTOR BUYER’S SPECIALIST
REALTOR BUYER’S SPECIALIST
REALTOR BUYER’S SPECIALIST
INSIDE SALES
MARKETING SPECIALIST
REPRESENTATIVE &
& CLOSING COORDINATOR
CLOSING COORDINATOR
BUYER
Agency
If you call the real estate agent who listed the property to represent you, you are paying that agent to Negotiate Against You!
WHY? They Represent the Seller!
BUYER
Agency
If you call any other real estate agent to represent you, you are now paying TWO agents to Negotiate Against You!
WHY? They Also Represent the Seller!
BUYER
Agency
By using a Matt O’Neill Team Exclusive Buyer Specialist to represent you and only you, you know you have an agent who has only
YOUR best interests in mind!
SERVICES PROVIDED
SERVICES/DUTIES PROVIDED
MOT BUYERS AGENT
SELLER’S NONEXCLUSIVE AGENT
Prepare property value study prior to making an offer
YES
NO
Represent you on all listed properties, plus bank properties, auctions, FSBO’s & new construction
YES
NO
Promote and protect the interests of you at all times
YES
NO
Advise you even if it means pointing out reasons not to buy
YES
NO
Disclose all research about property history and liens
YES
Required by law
Negotiate best prise and terms in your favor
YES
NO
Structure offer with your interest in mind
YES
NO
Keep your personal financial capabilities/thoughts confidential unless authorized to disclose
YES
NO
Negotiate home inspection repairs in your favor
YES
NO
Work exclusively to ensure your home purchase experience is a positive one
YES
NO
VIP BUYER PROGRAM So now that you know you must have an Exclusive Buyers Agent, what is so special about the Matt O’Neill Home Selling Team?
OLD SCHOOL
agents
The ABC’s of what most agents do – the old school methods… Advertise homes in order to get you to call them Beg You to Come In and Talk With Them Choose a Bunch of Homes They Think You’ll Like Drive You From House to House Showing You Dozens of Homes – Many of which do not meet your criteria
Encourage You to Make an Offer on Every House You See
Finally Get on Their Knees and Pray You’ll Buy Something After All The Work They’ve Done!
VIP BUYER PROGRAM Our VIP Buyer Program is completely different than anything else you have seen‌ We focus exclusively on YOUR needs!
VIP BUYER PROGRAM Our exclusive VIP Buyer Program is comprised of five simple steps‌
VIP BUYER PROGRAM Step 1: Loan Pre-Approval How much home can you afford?
LOAN
PRE-APPROVAL
don’t waste time or gas
Don’t waste time looking at homes that are above or below your price range. Don’t fall in love with a home that does not meet your payment criteria Don’t waste time looking at homes that don’t live up to the standard you would live in Gas is at an all-time high
LOAN
PRE-APPROVAL
3 Key Benefits
1. Know how much home you can comfortably afford, both in terms of total purchase price and monthly payments
2. Identify the best loan program that meets your unique situation (best interest rates, term, fixed vs. variable, payment structure, etc.)
3.Put yourself in the strongest purchasing position to know how much to offer within your specific spending limits
LOAN
PRE-APPROVAL
h is l p m o c c A o t s p e t 4 Easy S
1. A credit report is run by the Mortgage Broker. 2. Your financial details are gathered (if required and/or necessary).
3.A comprehensive search is conducted to locate the right mortgage program for you, choosing from hundreds, if not thousands of different programs.
4.Information is forwarded to the lender/bank for underwriting and final approval.
LOAN PRE-APPROVAL You are pre-qualified in 24-48 hours and fully pre-approved in just a few days.
If Cash Buyer, you will need proof of Funds
VIP BUYER PROGRAM Step 2: Finding the Right Home What are YOU looking for? Our Exclusive Home Hunter Program‌
HOME HUNTER
! p u d n u o r g e h t m o r f designed Our computerized Home Hunter system was designed from the ground up to:
1. Put YOU in control of your home search
2. Make your home search simple and quick
3.Alert you of the hottest new listings the moment they come on the market
HOME HUNTER
! p u d n u o r g e h t m o r f d e n desig
How most other agents still operate today – The “Old School” Mentality
1. They make a random search through MLS 2. They pick out 6-8 homes to show you 3.They pressure you to buy one The WRONG PERSON is picking out YOUR home!
HOME HUNTER
! p u d n u o r g e h t m o r f d e n desig
We put you in control We only send you the homes that match YOUR specific criteria. You pick as many homes as YOU want and drive by them to pre-approve the area. When you see a home you like, you call us & we arrange a private showing of the home. There is NO pressure to buy!
HOME HUNTER
! p u d n u o r g e h t m o r f d e n desig
1. With Home Hunter, we enter your specific home buying criteria into our custom computer system.
2. The moment a new listing comes on the market you are instantly emailed with all of the home’s information and characteristics.
INVENTORY 8670
Homes Per Year
4992
VIEWED
SOLD
Nobody has our knowledge of Inventory, nobody views more homes.
HOME HUNTER
! p u d n u o r g e h t m o r f d e n desig
YOU ARE IN CONTROL No more... Searching through outdated and unreliable homes magazines and the internet looking at homes that may already be sold You get AUTOMATIC access to hot new listings BEFORE other buyers
No more... Wasted time viewing homes a real estate agent has picked out that don’t interest you You only receive homes that match your criteria and YOU pick the homes you want to see
HOME HUNTER
! p u d n u o r g e h t m o r f d e n desig
YOU ARE IN CONTROL No more... Pressure (most agents pick out 6-8 homes and try to sell you one of them) You pick out as many homes as you want to see (there’s never any pressure to buy)
HOW WE CHOOSE YOUR HOME
7,436 Homes on the Market 4,419 Homes in the County 829 in Your Preferred Area 247 Meet Criteria 58 Work Well 6 Best Deals
HOME HUNTER
! p u d n u o r g e h t m o r f designed We have access to information
on thousands of homes for sale by ALL companies … Exclusive Listings… FSBO Hotsheet ... Handyman Specials … Bank Owned Homes … PreForclosures … HUD Homes … Short Sales … Vacant Properties … Estate Sales … Relocation Sales …
VIP BUYER PROGRAM Step 3: Negotiating theBest Price & Terms
NEGOTIATION
7
6.56%
6 % of f
5 4
3.42%
3 2 1 AVG REALTOR
MOHST
Nobody has our negotiation experience.
Euphoria Excitement
Denial
Optimism
Optimism
Fear Panic Despondency
Source: Westcourt Funds
Hope Depression
POINT OF MAXIMUM RISK IN INVESTMENT
Euphoria Excitement
POINT OF MAXIMUM OPPORTUNITY
Denial
Optimism
Optimism
Fear Panic Despondency
Source: Westcourt Funds
Hope Depression
MAKING
an offer!
When you find the home you want, we will‌ Discuss the price, timing & other terms under which you would like to make an offer Help to prepare an offer that meets YOUR specific needs Present that offer on YOUR behalf to the sellers and/or their agent Negotiate all terms and conditions of the offer and/or counter offer in YOUR best interests
MAKING
an offer!
You Get Personalized Service Because we only work with select
clients we are able to provide a higher level of service to you You receive a stronger negotiator, a more committed team and agent because we represent you full time
MAKING
an offer!
“Love It or Leave It GUARANTEE” When you become a VIP Buyer if, for any reason during the first 12 months of ownership (One Full Year), you do not “LOVE” your new home, and want us to help you move another one … just give us a call and we will sell it for FREE. That’s right - you pay us no commission*.
*(Our entire selling brokerage fee would be waived. Seller would be responsible for co-broke contingent on purchasing another home in the area from Matt O’Neill Home Selling Team.)
MAKING
an offer!
When finished… You’ll be ready to move into your new home, with terms that are 100% acceptable to you!
THE MOVE-UP BUYER
CURRENT HOME
MOVE-UP HOME
2006 PRICE
$150,000
$250,000
CURRENT PRICE (-20%)
$120,000
$200,000
LOSS/SAVINGS
$30,000
$50,000
NET GAIN FOR MOVE-UP BUYER PLUS SAVINGS ON CURRENT INTEREST RATE
Decision Comparison KeepingCurrentMatters.com
$20,000
THE MOVE-UP BUYER
CURRENT HOME
MOVE-UP HOME
CURRENT PRICE
$120,000
$200,000
FUTURE PRICE (+20%)
$144,000
$240,000
FUTURE GAIN FOR OWNER
$24,000
$40,000
FUTURE DIFFERENCE FOR MOVE-UP BUYER
$16,000
CURRENT GAIN FOR MOVE-UP BUYER
$20,000
TOTAL GAIN
$36,000
PLUS SAVINGS ON CURRENT INTEREST RATE
Decision Comparison KeepingCurrentMatters.com
THE MOVE-UP BUYER
CURRENT HOME
MOVE-UP HOME
2006 PRICE
$400,000
$600,000
CURRENT PRICE (-20%)
$320,000
$480,000
LOSS/SAVINGS
$80,000
$120,000
NET GAIN FOR MOVE-UP BUYER PLUS SAVINGS ON CURRENT INTEREST RATE
Decision Comparison KeepingCurrentMatters.com
$40,000
THE MOVE-UP BUYER
CURRENT HOME
MOVE-UP HOME
CURRENT PRICE
$320,000
$480,000
FUTURE PRICE (+20%)
$384,000
$576,000
FUTURE GAIN FOR OWNER
$64,000
$96,000
FUTURE DIFFERENCE FOR MOVE-UP BUYER
$32,000
CURRENT GAIN FOR MOVE-UP BUYER
$40,000
TOTAL GAIN
$72,000
PLUS SAVINGS ON CURRENT INTEREST RATE
Decision Comparison KeepingCurrentMatters.com
VIP BUYER PROGRAM Step 4: Protecting Your Interests Making sure you get the house you expected?
PROTECTING
your interests!
Once we have your new home under contract, we will help you each step of the way by: Making sure the home is in a condition acceptable to you That you know everything that may be affecting the value & livability of the home (good or bad). All of this‌ Before you are committed to proceed with the purchase.
MAKING
an offer!
How we help to protect you We help arrange any inspections you wish conducted. We help you review all disclosures and documents related to the home and its purchase. We coordinate with you, the title company, the lender, and any other parties involved to make sure everybody keeps all aspects of the purchase on track & on time.
MAKING
an offer!
And when we are all said and done‌ You now own your New Home!!
QUOTE FROM
l l o P p u l l a G e h T
77% Say Time to Buy is Now “Overall, there is a good reason for most Americans to think now is a good time to buy a house. Interest rates remain near historic lows. Home prices are down sharply, providing many incredible buys.�
QUOTE FROM
r e l il h S e s a C f o Karl Cae A Dream House After All
“For people with a realistic version of the American Dream, buying a house now can make a lot of sense.”
QUOTE FROM
l a n r u o J t e e r t The Wall S
“With home sales starting to improve, and with prices now possibly forming a bottom, real estate could well be the asset class that represents… the best low-risk buying opportunity out there today.”
QUOTE FROM
Donald Trump
“I’m pretty sure this is a great time to go out and buy a house. And if you do, in 10 years you’re going to look back and say, You know, I‘m glad I listened to Donald Trump.”
QUOTE FROM
l a n r u o J t e e r t S Wall
“If prices come down another 10% but interest rates increase by 1 percentage point, that would mean the same monthly payment today versus waiting.�
QUOTE FROM
John Paulson
“If you don’t own a home, buy one. If you own one home, buy another one. If you own two homes, buy a third. And, lend your relatives the money to buy a home.”
FORBES.com “With all the teeth-gnashing over the real estate bubble, the bust and the mortgage mess, you can be forgiven for failing to notice this little tidbit: Housing had a superb decade.� 58% average gains per square foot
RETURN ON INVESTMENT
60
43.9
40 20
10.1
0 -6.5
-20
-30
-40 -60 DOW
S&P
NASDAQ
January 1, 2000 - February 2011 MSN Money.com, Case Shiller
REAL ESTATE
VIP BUYER PROGRAM Step 5: Our Client For Life Ongoing service and benefits?
CLIENT
fot life
Some agents disappear after you purchase your home and you never hear from them again‌ NOT US!!
CLIENT
for life
We have pioneered a unique set of information & services to save you time & money while you own your home. With our exclusive “My Home Management Club� website, you will receive: Tons of helpful information on maintaining and updating your home (how-to articles, videos & more) Special negotiated discounts from local service providers to save you money on the upkeep of your home. This is all provided free of charge to our past clients. Truck, Power Washer, Painter, Scanner, Fax, WiFi, Sell for Free...
CLIENT for life And now for the BEST PART!
VIP BUYER PROGRAM We negotiate your contract so that NONE of these services will cost you a penny! Because we request to get the seller to reimburse some or all of your costs! Even up front costs, which other buyers MUST pay on their own, are reimbursed to you at time of closing. (these costs are approximate) Appraisal ($495) Pest, Home & Roof inspection($300 - $650) Matt O’Neill Real Estate Agency Transaction Fee ($1,544) –1st year’s Homeowners Insurance ($700 - $950) Escrow Fees ($1,500 - $3,500) 1st year’s Home Warranty Protection Plan ($540) The above are the costs that you - and all buyers - will have to pay out of pocket before or at the closing. We typically get you over $5,000 from the seller at closing to reimburse you for your costs. All other buyers MUST come up with these costs on their own!
VIP BUYER PROGRAM We are so confident in our abilities to do our job and save you time and money, that we make you this written guarantee… “If we cannot save you at least $10,000 on your purchase, including the $5,000 to cover your costs, we will give you the difference (up to $2,000) in a Cash Reward certificate at close of escrow.”
ALL WE ASK
in Return
If we do a great job for you during this process-recommend us to at least two people you know of, looking to move in the near future. What We Mutually Expect To allow us to represent you whenever you see a nome (new or resale) that you want to view. This means that you will let us know when you’re going to view any home and advise other agents, builders and For Sale by Owners that we are your agent. If you want to make an offer on any home, you will do this through us.
You AreNot
Locked In Not locked in if we don’t perform
Let’s Go Find Your Dream Home!!!