Buyer's Presentation /// Chrissy Graham @ Compass

Recognized as a top producer at Compass Real Estate 2019-2022

Recognized as a top producer at Kentwood Real Estate 2012-2018

Previously associated with LIV Sotheby’s International Realty for 17 years (formerly known as Fuller Towne & Country Properties)

Meet Chrissy Graham REALTOR®, CNE, GRI

Chrissy Graham is an accomplished Realtor with an extensive background in real estate. Denver is her hometown and she truly knows Colorado’s neighborhoods and communities. Drawing from over two decades of real estate experience, Chrissy skillfully negotiates and navigates Denver’s increasingly fast-paced and complex real estate landscape. With an unwavering drive to provide the absolute best service, both buyers and sellers can count on a smooth transaction while working with a dedicated Broker who brings honesty, integrity, extraordinary attention to detail and a caring human touch to all of her clients. Her strategic yet personalized approach for

achieving the best results for her clients, is the hallmark of her success.

With a business built on referrals and repeat clients, Chrissy strives to become each client’s life-long, trusted real estate advisor and friend by providing straightforward and honest advice, counsel and service.

Chrissy is dedicated to charitable endeavors such as the Denver Dumb Friends League, the Leukemia & Lymphoma Society, SECORCares, Susan G. Komen Foundation, and the Alzheimer’s Association.

Expertise

• Residential property sales including single family homes, townhomes/condominiums, lofts, move up purchases, first time home buyers, downsizing purchases, 2nd homes, and the listing and selling of luxury properties

• Areas of service span from Castle Rock to Westminster and everywhere in between, including all price ranges

• Skilled negotiator, knowledgeable analysis of property values and market trends

• Expertise and credibility in resolving difficult scenarios in transactions

Education + Designations

• Licensed Real Estate Broker • State of Colorado

• CNE • Certified Negotiation Expert

• GRI • Graduate, Realtor Institute. Recognized nationwide as the standard for real estate professionalism and knowledge and considered the nation’s #1 real estate designation.

• Member of the National Association of Realtors

• Member of the Denver Metro Association of Realtors

Chrissy Graham is a wonderful real estate broker. She was responsible for selling our home and purchase of our new home during a time of much uncertainty. She listens to her clients’ desires and searches for homes that meet their specifications and needs. Chrissy has a remarkable command of the market, is a skillful negotiator, and an excellent mediator between the buyer and seller. Her endless dedication to ensure client satisfaction stands apart.

To those of you who are considering a Realtor who is a true professional, we would strongly recommend Chrissy Graham. Chrissy will always represent your interests while consummating your real estate transaction. We were looking for someone who was attentive to our needs and received much more; friendship, caring, direction and advice. She knows the markets very well in which she works and will guide you all the way through. To us, she is our heroine plus our angel.

“

Paul • Littleton

Chrissy was amazing from the first phone call! She took the time to understand my goals and provided me with options that were not only cost effective but in terms I could understand. From beginning to end, Chrissy took initiative and left me feeling confident in the process. She is an absolute pleasure to work with and someone I would refer with the highest marks!

“ Dave + Alicia • Lone Tree

“ John + Ruth • Greenwood Village

We are very grateful to have had the opportunity to sell our home through the outstanding marketing skills and tremendous efforts of Chrissy Graham. Our situation was difficult- we had a 7,000+ square foot home to sell, with almost all of our furniture and decorations at our other home! With almost no decorations, we had just enough rental furniture to make the house look “awkward”. On top of that, there were a couple areas of the house that really needed attention. We interviewed a number of potential listing agents, each of whom showed us beautiful portfolios of marketing materials used on their other listings. We were impressed. However, in conducting our due diligence, we found that most agents delegated the actual showing of the home to “associates” or “assistants”. In my mind, this is when a home is actually sold. It’s hard work, and it requires selling skills to overcome buyer objections. This is where Chrissy Graham demonstrates her superiority over every other agent we have met in the Denver area. Chrissy not only marketed the home well, she actively sold the features and benefits. We found this to be a rare combination! In the end, she secured an excellent price, walked us through the details of closing, and made

certain that everything proceeded professionally and thoroughly. To her credit, Chrissy never once tried to hide the deficiencies of the home. She was clear with potential buyers that work on the home was needed, gave appropriate and detailed insight into these costs, yet worked professionally on our behalf to help potential buyers to look beyond these deficits so they could see the wonderful opportunity our home could become to their family. I strongly recommend Chrissy Graham when considering a residential real estate professional. Her marketing skills, materials and reach are as strong as any premier real estate professional that we have experienced in Denver, or in the many other states where we have purchased or sold real estate. Her selling skills are significantly superior over any agent we have experienced in Denver, most of whom are there to secure the listing, and then send associates or other agents to actually show your home to perspective buyers. That’s the real work of selling a home, and that’s where Chrissy really shines! Chrissy met every commitment she made to us, in a courteous, capable and completely professional manner.

Christopher + Hala • Lone Tree

Over my 45 year career I have purchased 7 homes. When I retired in October 2014, I decided tosell my Florida home and buy a new home in Denver, Colorado. Based on my daughter and son’s recommendations, I chose Chrissy Graham as my Realtor. It turned out to be the “best” decision I have ever made. She was amazing! She listened to what I wanted and in short order she had helped me find exactly what I was looking for. She was extremely helpful in every single phase of the Home Purchasing cycle. She was involved in getting all inspections done, following up on the loan, and making great recommendations on vendors to contact for window treatments and other items needed when purchasing a new home. It was by far the best experience I have ever had in purchasing a new home. She has also helped me after the purchase on various real estate related questions. In closing, very simply stated, Chrissy Graham is the best Real Estate Agent that I have ever used and I give her my highest recommendation.

Stuart • Castle Pines Village

Chrissy was really fantastic to work with on finding a home that met all of our requirements. She genuinely wanted to understand exactly what we were looking for and has the expert knowledge of this Denver metro area market to guide us to those neighborhoods. Overall, we can confidently say that Chrissy Graham is one of the best real estate agents for this market that you could possibly find. Chrissy is very genuine and we enjoyed working with her.

Between my husband and I, we have bought and sold over 10 times in the US in the last 15 years with several different agents. We both agree that Chrissy is the best real estate agent we have ever had. She anticipated our needs from day 1, solving problems before we even knew about them. She was a fantastic listener and very patient. Never once did we feel rushed or pressured. We would highly recommend Chrissy to anyone looking to buy or sell in the Denver area and look forward to working with her again.

“ Jeff + Joanne • Castle Pines North

“ Joe + Andrea • Westminster

About Compass

Why Compass?

Discover how we’re helping buyers find their place in the world every day, one home at a time.

Your Home. Our Mission.

Our community

Collaborative and connected, our agents enjoy direct access to the country’s top properties and the 28,000+ brokers who represent them. But just as we leverage our national network, we’re also keenly attuned to the nuances that make each market so special.

Our homes

Our in-house marketing and advertising agency ensures that every Compass listing is portrayed beautifully and authentically, elevating your search to the next level. And with Coming Soon, your agent can show you properties ahead of anyone else in the market.

Our platform

Developed in-house, all of our technology is designed to enhance your experience. Together, you and your agent can filter and sort properties across custom parameters, compare market trends, and comment on listings in real time.

By the numbers

#1

Our rank among independently-owned brokerages nationwide

$230 billion

2022 gross transaction value

350+

Compass offices in the U.S.

28K+

Real estate agents in the U.S.

Where we are

Compass is home to 28,000+ agents in 350+ offices spanning 130+ cities.

A talented team

Our staff hails from innovative companies around the world:

*Data based on MLS data from REColorado Office Ranking Report by Office ID # for total closed volume from 1/1/2022 - 12/31/2022

**Data based on Broker Metrics for REColorado by Office ID, Residential Properties greater than $2 million in sales price from 1/1/22-12/31/22 for Adams, Arapahoe, Broomfield, Denver, Douglas and Jefferson Counties.

Compass Denver

Well, Hello, Denver!

Compass Denver is comprised of some of the most experienced, wellrespected and highest-producing Realtors in Denver. We’ve now been in the Denver market for over four years, we’re already making our impact known!

$4.3B+

Total Office Sales Volume in 2022*

5.51%

2022 Market Share Based on Closed Volume*

#1 Brokerage in Denver in 2022*

11.4% Luxury Market Share**

Compass Cares

As we work to help everyone find their place in the world, Compass Cares is our way of empowering agents and employees to give back to local communities with our time, resources and skills — because no one knows a community better than the agents and employees who serve it.

Through Compass Cares, 100% of our transactions lead to a donation back to the communities we serve. We turn local knowledge into local impact by supporting meaningful local causes. Compass Cares connects the generosity and compassion of our people to a giving platform of over 1 million nonprofits to create a regional and national community of givers. Because here at Compass, we believe it’s our responsibility to make the world a little better, one place at a time.

The Process

Home-buying process overview

01

Initial consultation with me

Discuss your needs / goals

Provide home-buyer book

Discuss market conditions

02 Contact lender to get pre-approved for a mortgage

Helps determine buying power

Refines search price range

Assists in making your offer more competitive

Must present lender letter with any offer

If paying cash, must present proof of funds

03 Define your home-buying goals and home search criteria

Discuss various property types and locations

Work within the confines of pre-approval range

Search MLS and other sources for properties

04 View properties and select home

Schedule showings (some sellers require 24-hour notice)

Attend showings with you

Narrow down prospects

Create market analysis, analyze comparables

Discuss offer strategy

04 Prepare, review and submit offer

Draft all offer documents and related addenda

Review offer, disclosures, any legal issues with you

Submit offer to seller or listing agent

05 Contract acceptance and closing

Negotiate on your behalf to get contract accepted

Review your dates and deadlines, any action steps

Communicate with all related parties

Attend final walk-through with you

Facilitate and attend closing, subject to Covid rules

About the commission

As your buyer’s agent, my commission is typically paid by the listing agent

• Industry standard is 2.8% of the purchase price

I might also be paid by the seller directly

• In the case of a “For Sale by Owner” where there is no listing agent

It’s very rare but possible that a buyer might pay my commission

• This will only occur if a listing agent or seller are not agreeing to pay the full 2.8% buyer agent commission

• This would be disclosed prior to seeing any such property

About communication

• Buyer communicates to buyer’s agent

• Seller communicates to listing (seller’s) agent

• Buyer’s agent and listing agent communicate with each other on behalf of their respective clients

• Buyer’s agent and listing agent communicate with lender, title company, inspectors, etc.

• Please conduct all communications and negotiations directly through me

• I have a Transaction Coordinator who assists me with various parts of the transaction. You may occasionally receive communications from her

Typical home-buyer expenses

Prior to Closing

Earnest Money

Inspections

Approximately 1 to 2% of the purchase price (will be applied toward your down payment at closing)

General Inspection $400 to $800 (depending on the size of the house)

Sewer Scope $200 to $250

Radon Test $150 to $200 (if applicable)

Appraisal Fee $500 to $700 (lender may require payment up front)

Other Tests / Contractor Trip Charge Varies

At Closing

Loan Closing Costs

Cash Due at Closing

Title Fees

Homeowner’s Association (if applicable)

Lender provides estimate of these fees upon going under contract

Typically 1% - 2% of purchase price (depending on loan type)

Includes processing/underwriting/other fees, pre-paids, escrows

Remainder of down payment (less earnest money amount)

$500 - $700 for lender’s title insurance policy and any endorsements

$300 - $400 for settlement fee (customarily split between parties)

Tax certificate and recording fees (vary)

Status letter and transfer fee (vary by HOA)

Working capital contribution (varies by HOA)

A Glossary of Real Estate Terms

Appraiser

The person who decides the market value of a home based on its condition and the selling prices of comparable homes recently sold in the area. His or her job is to compute a fair estimate of market value to help the lender determine a reasonable loan amount.

Assessor

A public official who appraises property for tax purposes, determining the assessed value, not the tax rate.

Closing

The conclusion of a real estate transaction, which includes delivery of a deed, financial adjustments, signing of notes and disbursement of funds necessary to the sale or loan.

Contincency

A condition that must be met before a contract is binding. For example, the sale of a home might be contingent upon the seller paying for certain repairs, resulting from the buyer’s inspection.

Conventional Loan

A loan made with real estate as security and not involving government participation in the form of insuring (FHA) or guaranteeing (VA) the loan.

Open Mortgage

A mortgage that may be repaid in full at any time over the life of the loan without a pre-payment penalty.

Point

Fixed-Rate Loan

A loan with the same rate of interest for the life of the loan.

A point is a dollar amount paid to a lender for making a loan, each point being equal to one percent of the loan amount, also called a discount point.

Homeowner’s Policy

A multiple-peril insurance policy commonly called a package policy. Available to owners of private homes, it covers the dwelling and contents in case of theft, fire, or wind damage, as well as liability for property damage and personal liability.

Realtor

A member of the National Association of Realtors who subscribes to a strict code of ethics.

Interest Rate Cap

The maximum interest rate change allowed on an adjustable-rate loan for any one adjustment period during the life of the loan.

Documentary evidence of the right to or ownership of the property, which in real estate is the deed. Title may be acquired through purchase, inheritance, gift or exchange, as well as through foreclosure of a mortgage.

Your Mortgage Payment Typically Includes:

Principal

The amount of money borrowed. Each month a portion of the principal is paid back. Over time, interest becomes a smaller part of the monthly mortgage payment, and more of the payment goes toward reducing the principal owed.

Property Taxes

Taxes paid to a local government, usually a percentage of your property value, based on the mil levy. Your lender generally collects the taxes through your monthly payments and pays them directly to the local government. The amount of tax will vary depending upon where you live and the typle of property you own.

Hazard Insurance

An insurance policy that protects you from financial losses on your property that result from fire or other hazards.

Interest

The cost of borrowing money, usually expressed as an annual percentage of the loan amount, for example, 4% or 6%.

Principal and interest are amortized over a period of years, typically for 15 or 30 years.

Private Mortgage Insurance (PMI)

An insurance policy for down payments of less than 20% of the home price, which helps mortgage lenders recover some losses if a borrower fails to fully repay. Mortgage insurance makes it possible to buy a home with a low down payment.

Agency Terms

Seller’s Agent

A seller’s agent works solely on behalf of the seller to promote the interests of the seller with the utmost good faith, loyalty and fidelity. The agent negotiates on behalf of and acts as an advocate for the seller. The seller’s agent must disclose to potential buyers all adverse material facts actually known by the agent about the property. A separate written listing agreement is required which sets forth the duties and obligations of the broker and the seller.

Buyer’s Agent

A buyer’s agent works solely on behalf of the buyer to promote the interests of the buyer with the utmost good faith, loyalty and fidelity. The agent negotiates on behalf of and acts as an advocate for the buyer. The buyer’s agent must disclose to potential sellers all adverse material facts actually known by the buyer’s agent, including the buyer’s financial ability to perform the terms of the transaction and, if a residential property, whether the buyer intends to occupy the property. A separate written buyer agency agreement is required which sets forth the duties and obligations of the broker and the buyer.

Transaction Broker

A transaction-broker assists the buyer or seller or both throughout a real estate transaction by performing terms of any written, fully informing the parties, presenting all offers and assisting the parties with contracts without advising, including the closing of the transaction without being an agent or advocate for any of the parties. A transaction-broker must use reasonable skill and care in the performance of any oral or written agreement, and must make the same disclosures as agents about all adverse material facts actually known by the transaction-broker concerning a property or a buyer’s financial ability to perform the terms of a transaction and, if a residential property, whether the buyer intends to occupy the property. No written agreement is required, but Colorado’s Real Estate Commission encourages one.

Customer

A customer is a party to a real estate transaction with whom the broker has no brokerage relationship because such party has not engaged or employed the broker, either as the party’s agent or as the party’s transaction-broker. The broker must treat a customer to a transaction with honesty and fair dealing.

My pledge to you

• Listen to your needs and do my best to help you achieve all of your goals

• Advise you, negotiate on your behalf and advocate for you throughout the entire transaction

• Educate you on neighborhoods and keep you abreast of current conditions

• Discuss risks / benefits of various homes relative to your goals

• Help you find an ideal home that fits your needs

• Use my market knowledge and quantitative skills to help you present the strongest offer possible, especially in multiple-offer situations

• Efficiently prepare all the paperwork, and account for monies and deadlines

• Act in a professional, collaborative and communicative manner

• Uphold the highest ethical standards and always act with integrity

• I will always do my best to respond to you in a timely manner. If you have an urgent issue, text and phone are always the quickest ways to reach me.

• Manage the process so that it’s smooth, stress-free and enjoyable for you!

Other tidbits

Please be aware that we must adhere to all city and state Covid guidelines

• This will ALWAYS include either of us notifying the other if we are ill, have been exposed to a Covid-positive person or have tested positive for Covid ourselves.

Please note that wire fraud is a serious concern. I will provide you with information to help educate you on and protect you from wire fraud.

Please know that while I will provide you with many resources along the way, I am not legally allowed to discuss the following:

• Schools / School Performance

• Crime / Crime Statistics

• Anything that would be a violation of Federal Fair Housing Laws

Your City Guide

Elizabeth

Highlands Ranch Parker

Denver International Airport

Lone

Sedalia

Neighborhood North South East West

Denver new resident information

Remember to inform them of the day you are moving.

Utilities

When opening any account, it is advisable to have two pieces of identification: at least one with your photo and one with proof of your new address.

CenturyLink (Telephone + Internet) 866.963.6665

Xcel Energy

Note that Xcel offers a free service called ConnectSmart that can help you transfer most of your home services, like cable, trash, landscaping and more! (May not be available in all areas.)

Transportation

Regional Transportation District (Bus + LightRail)

AMTRAK

Airport Information - DEN

303.299.6000

RTD-Denver.com

800.USA.RAIL (800.872.7245) Amtrak.com

800.247.2336

303.342.2000

FlyDenver.com

Voter Registration

Vote.gov/register/co

General City of Denver Services Dial 311

Schools Research Resources

GreatSchools.org A

school performance

Notes