Buyer’s Guide
m realty
Jill Hill
Shannon MatTin
Principal Broker
Oregon Broker & Licensed Assistant
503.502.7787 jillkhill@gmail.com www.jillhillproperties.com
541.598.5947 shannonmattin@gmail.com www.jillhillproperties.com
M Realty LLC 2211 NW Front Ave, #101 Portland, OR 97209
For more information, go to:
JillHillProperties.com
Jill Hill Principal Broker | M Realty
503.502.7787 Cell jillkhill@gmail.com www.jillhillproperties.com
m realty
Buyer’s Guide
Jill Hill
Shannon Mattin
Principal Broker | M Realty
Oregon Broker & Licensed Assistant
503.502.7787 (Cell) jillkhill@gmail.com www.jillhillproperties.com
541.598.5947 (Cell) shannonmattin@gmail.com www.jillhillproperties.com
I began my practice in 2007 after two decades in the restaurant industry, where I found that service was in my blood. Through mentoring relationships in management, I found that real estate was the natural next step in my career. While I enjoy guiding first time home buyers, I have had the privilege of working with a diverse group of buyers and sellers from all over the Portland Metro area. Focusing on the individual needs and priorities of my clients allows me to tailor a real estate strategy with the highest possible outcome of success. As an M Realty agent, I collaborate with an entire team of inhouse marketing professionals to capture the emotion of every home I list. This innovative experience is called TrueView, and it is the most beautiful and authentic way to market real estate. TrueView is just one of many innovative tools I use to make sure I am giving my clients the best service possible. While I am not at the office or in the field with clients, you can find me skiing, hiking, wine tasting or venturing out to try new restaurants and pubs. I also co-founded a professional women’s network group called S.E.L.E.C.T. (Sharing, Empowering, Leadership, Execution & Collaborative Teamwork). We meet monthly to support women in businesses. I currently reside in Hillsboro with my husband Jim of ten years who is my biggest fan and a huge supporter of my business. He also has two girls with his late wife, Morgan, 21 and Jordan, 23 who are absolutely wonderful–I have loved cultivating a relationship with them and I am truly blessed to be a part of their lives.
As Jill’s assistant, I am able to work with a diverse group of buyers and sellers, as well as work on new listings and marketing. Focusing on the individual needs and priorities of our clients allows me to tailor a real estate strategy with the highest possible outcome of success. I have been working with Jill Hill for over two years and we have combined our strengths to better serve our clients. I work behind the scenes which frees up time for Jill to be able to connect with past, present and future clients. I graduated from Oregon State with a marketing degree, and I’m a huge Beavers, Seahawks and Blazer fan. You will find me at some sort of sports event when I am not working. Love, love, love baking! I owned a small bakery in Bend for a few years. I also love trying new Portland restaurants, and going to movies. I enjoy traveling… especially somewhere warm :). I currently reside in NW Portland - Bethany Area with my two boys Ethan, who is 13 and Austin, who is 9, my husband, Rob, and a French Bulldog puppy named Jett. While I'm not at the office or out with clients, you can find me with my boys who keep me on my toes with all of their sports and activities: youth football and lacrosse. I’m on the Board of Directors for Westview Youth Football, and I volunteer at my sons’ school. I also take some time to volunteer at the Oregon Food Bank and Girls, Inc. The next time you're poised to enter the market, we'd be honored to guide you through this important experience.
I would be honored to guide you through the experience. I am also always available to take the very best care of anyone you refer to me. Please check out my website to see examples of everything I can offer to give you a fantastic real estate experience, JillHillProperties.com.
Specialists in prioritizing your Real Estate needs.
Jill’s Preferred Lenders Because of their excellent reputations and service, experience and like minded desire to build relationships, I have chosen to partner with this select group of Lenders.
Guild Mortgage Company Denise Prothe NMLS# 136917 503-452-0001 dprothe@guildmortgage.net
LoanStar Home Lending Mindy Hay | Sr. Loan Officer NMLS# 292224 Direct: 503-718-3350 Mobile: 503-312-3845 mhay@goloanstar.com
LoanStar Home Lending Guy Evoniuk | Loan Officer NMLS #114811 Direct: 503-597-6704 Mobile: 503-341-0240 gevoniuk@goloanstar.com
Jill Hill Principal Broker | M Realty
503.502.7787 Cell jillkhill@gmail.com www.jillhillproperties.com
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Mortgage Do's & Don'ts Several things can affect your loan request, before, during, and after the loan is approved. Here are a few tips and tricks to read through as you jump into the loan process.
Do’s!
Don’ts!
‣ Make sure all of your accounts are up-to-date. These include your car loans, credit cards, and other mortgages—being on time on all of your payments is critical.
‣ Avoid doing anything that may affect your credit that can impact your loan request. These can also have an effect on your Sales Contract, disrupt your Escrow deposit, or even put you at risk of being sued.
‣ When you have questions, get in touch with your real estate agent or lender. They will be an infinite source of knowledge for you during the process.
‣ Don’t quit or change jobs. If you do plan on making changes in this regard, get in touch with me and your loan officer.
‣ Be timely when dealing with lender-required money as well as necessary paperwork and information. Having those ready and on time will make the process easier.
‣ Avoid undergoing a credit check unless it’s through your lender.
‣ Keep your phone with you at all times so you’re ready to receive and return phone calls from your agent, loan officer or others involved in your transaction.
‣ Abstain from switching banks, opening up new accounts, and moving money between your existing accounts. ‣ Refrain from co-signing on leases, loans, etc. for anyone. ‣ Withhold from making huge or abnormal purchases on credit, such as when buying furniture, a car, etc. ‣ Never pay for bills late and incur late fees.
How does a Mortgage Pre-Approval Hurt My Credit Score? It doesn’t! Instead, it gives you the peace of mind to write smart offers. Credit bureaus are aware of the complexities of getting a mortgage. As such, pre-approval inquiries are not reflected on credit reports.
Jill’s Preferred inspectors Because of their excellent reputations and service, experience and like minded desire to build relationships, I have chosen to partner with this select group of Property Inspectors.
Inspectek West Inc. Brian & Ty Hay CCB# 118865 503-799-7761 inspectekwest@gmail.com
Richard C. Ford Inspection & Consulting Services Rich Ford CCB# 172884 503-809-3116 portlandhomeinspections.com
A-Team Home Inspection, Inc. Dennis Patterson CCB# 172884 503-809-3116 portlandhomeinspections.com
Inspecting the Property Often the Seller is required by law to provide you with a disclosure statement detailing any problems or maintenance issues the Seller is aware of with the house. At this point it is advisable to arrange your own inspection of the home. Inspection fees vary and are paid directly to the inspector at the time of the appointment. You will want to be present at the inspection, although it may not be necessary to be there for the entire appointment, which will often take several hours. Once the house has been inspected, you will be given a report detailing the inspectors findings.
Jill Hill Principal Broker | M Realty
503.502.7787 Cell jillkhill@gmail.com www.jillhillproperties.com
m realty
Smart tips during home buying Here are some things to avoid: • Changing jobs, becoming self-employed, or quitting
• Omitting debts or liabilities from your loan application.
your job. • Making any large purchases.
• Making large deposits without first checking with your advisor.
• Using charge cards excessively or making late payments. • Spending money you have set aside for closing.
• Changing bank accounts. • Co-signing a loan for anyone.
10
Prepare to close
Escrow receives all necessary documents from lender. The title company issues a policy ensuring the property is free from encumbrances. The escrow company prepares all documents for signing.
9
Order appraisal
8
Negotiate repairs
7
Home inspection
I’ll help you arrange a professional home inspection (sewer scope, radon test, oil tank sweep, etc...). I’ll be there with you through all these inspections.
1
Closing
Evaluate
Sit down with me and find out what you want from your new home.
Escrow will contact you to set up a time to sign all necessary documents.
12
Recording
2
Make a Plan
3
Contact Lender
4
Find your home
Build a plan for buying your new home. I’ll help you find the right lender.
When all documents are signed, escrow will record the transaction with the county. I will contact you to hand you the keys to your new home.
The bank will send an appraiser to ensure the value of the home is sufficient given the size of the loan.
Every house has repairs that are needed. I’ll work with you to evaluate the home and negotiate repairs. All repairs must be negotiated within an “inspection contingency period” (usually 10 business days after your offer is accepted). You may rescind your offer if you don’t approve of the property condition. Your earnest money will be refunded if you do so within the inspection contingency period.
11
Welcome to your new home!
Contact a lender to get preapproved for a loan amount that is in the price range you want.
Work with me to find your perfect home. I’ll make all the arrangements to start looking at houses.
6
submit offer
Your accepted offer is submitted to your lender to start the loan approval process. An escrow account is opened and earnest money is deposited with the escrow company. The earnest money will be applied toward your down payment at time of closing.
5
Make an offer
When you find the house that you’re interested in, I’ll evaluate the variables and write an offer that makes sense. At the time of the offer, you’ll write an earnest money check for about 1%-3% of purchase price.
the select team Sharing, Empowering, Leadership, Execution & Collaborative Teamwork
Jill Hill, Principal Broker M Realty 2211 NW Front Ave. #101 Portland, OR. 97206
503.502.7787 jillkhill@gmail.com www.jillhillproperties.com
Nancy Winn, CPA NW CPA 9275 SW Beaverton Hillsdale Hwy. #310 Beaverton, OR. 97005
503.961.2343 nancy@nancywinncpa.com www.nancywinncpa.com
Kristi Van Vleck, CRPC, MBA, CDFA Financial advisor + Certified Divorce Financial Analyst
Sutherland & Associates A private advisory practice of Ameriprise Financial Services, Inc. 1742 Willamette Falls Dr. West Linn, OR. 97068
503.655.5883 kristi.l.vanvleck@ampf.com ameripriseadvisors.com/kristi.l.vanvleck
Denise Prothe, Loan OďŹƒcer Guild Mortgage NMLS# 136917 10260 SW Greenburg Rd. Suite 900 Portland, OR 97223
Direct: 503-452-0001 Mobile: 503-310-4266 dprothe@guildmortgage.net
Violet Thompson
Sara Yen
Director of Insurance WSC Insurance 2000 Pacific Ave, Forest Grove, OR 97116
Law of Offices of Sara Yen 5895 Jean ZRd. Suite 110 Lake Oswego, OR. 97035
503.906.8917 violett@wscinsurance.com www.wscinsurance.com
503-675-4385 sara@yenlaw.com www.yenlaw.com
The Select Team is a network of like minded professional women from different industries. Their goal is to provide trusted and reliable resources for family, friends and clients. The Select Team believes in educating and open communication and are here for anyone that may need their services.
m realty
introducing homequest A powerful interactive map home search tool.
‣ Search new and active listings by city area, neighborhood, zip code and even school boundaries.
‣ Search by price, beds, baths, year, SqFt and more. ‣ Save property searches.
‣ Free account sign-up. ‣ Easy and simple to use. ‣ Full interactive map. ‣ Full property detail and information.
‣ Request showings on properties you wish to visit.
Start searching for homes today at:
www.JillHillProperties.com/search-listings
Jill Hill Principal Broker | M Realty
503.502.7787 Cell jillkhill@gmail.com www.jillhillproperties.com
m realty
M Together Through the closing of every real estate transaction, we are able to give back.
www.JillHillProperties.com/m-together
M Realty believes that caring individuals working together can make an impact on a variety of social causes, benefiting an array of community organizations. Through the closing of every real estate transaction, we are able to give back to local nonprofits who are working to bring hope and healing to our community. We know this is possible through the continued success of our business and because of people like you! Thank you for your business and your support!
Community Organizations I Support:
Jill Hill Principal Broker | M Realty
503.502.7787 Cell jillkhill@gmail.com www.jillhillproperties.com
m realty
Family fun in portland 1. OMSI ( Oregon Museum of Science & Industry) Museum, camps, exhibits and IMAX www.omsi.edu 2. Cool off at the Portland Public Fountains - Jamison Square Portlandoregon.gov
12. Day trip to Mt. Hood mthood.info 13. Cheer on the Portland Trailblazers basketball team at the Moda Center 14. Walk along Tom McCall Waterfront Park in Downtown
3. Great food, vendors and people watch at Portland Saturday Market Portlandsaturdaymarket.com 4. Take a ride on the Portland Aerial Tram Gobytram.com
15. Spend a day at Sauvie Island enjoying beaches, you pick berries and fall pumpkin patch fun sauvieisland.org 16. Take in a play at the Northwest Children’s Theater NWCTS.org
5. Oregon Zoo – Zoo, Concerts and Summer camps Oregonzoo.org
17. Shop, dine and walk NW 23rd Ave.
6. Oaks Park Amusement Park Oakspark.com
18. Discover the World Forestry Center Museum worldforestry.org
7. Watch a Portland Timbers soccer game at Providence Park
19. Powell’s Books Powells.com
8. Hike Forest Park Portlandoregon.gov
20. Discover the amazing Washington Park
9. Indoor fun at the Children’s Museum portlandcm.org 10. Take Streetcar ride in Downtown Portland
21. Take a guided tour of historic Pittock Mansion pittockmansion.org 22. Visit the oldest art museum on the West Coast, Portland Art Museum portlandartmuseum.org
11. Enjoy your day at the beautiful Japanese Gardens Japanesegarden.com
Jill Hill Principal Broker | M Realty
503.502.7787 Cell jillkhill@gmail.com www.jillhillproperties.com
m realty
family fun in portland 8.
Forest Park
17.
13.
NW 23rd Ave.
Moda Center
2.
Jamison Square Fountains
21. 16.
Pittock Mansion
NW Children’s Theater 7.
11.
5.
Saturday Market
22.
Portland Art Museum
World Forestry Center Museum
3.
Powell’s Books
Providence Park
Japanese Gardens
18.
19.
10.
14.
Tom Portland McCall Streetcar Waterfront Park
20.
Washington Park
1.
Oregon Zoo Children’s Museum 9.
OMSI
Portland, OR
4.
Portland Aerial Tram
15.
Sauvie Island
12. 6.
Oaks Amusement Park
Mt. Hood
Client Testimonials Jill Hill helped my family find our first home. We were very picky and had a crazy wish list. However, Jill was able to show us an amazing variety of listings to meet our needs. Jill helped us get to know the market without pressuring us. She became a true friend. We finally found the right house. It has been a year and we love our new home! Jill helped us turn around and sell our old home. We were able to walk away with more profit than I ever expected! Her marketing of the property was superb. Her service is exceptional. Jill always made herself available to answer the phone, call me right back, show me a property the next day, and generally go above and beyond. I've recommended Jill Hill to everyone I know. She's a true professional and a genuinely kind person to work with. I think you'd be hard pressed to find a better Realtor. ~ Sarah, 2015 Jill was amazing. I needed a house fast and we found the perfect one. She guided me through the home buying journey and I loved using DocuSign to speed up the process. Thanks so much Jill! ~ Colby, 2015 Jill was awesome from start to finish. Great communication and follow through. She was very patient as we looked at a lot of houses and made great recommendations. ~ James, 2015 We have been so thankful for Jill on both occasions that we were buying and selling our homes. Jill is professional, prompt, and in tune with our needs and wants. Thank you so much! We feel like we are home for the rest of our lives. ~ Doug & Laura, 2015
Jill was very helpful and patient with us as she showed us many homes during our house hunting. When we made our decision she handled both our sale and purchase processes with professional skill and personal attention. ~ Merlin & Benita, 2015 Jill held my hand through the entire process, answered questions and explained everything. She was always prompt and thorough. I enjoyed working with Jill and recommend her highly! ~ Katherine, 2014 Jill is one of the most wonderful people I have met. She is very professional and responsive. Jill has access to a network of professionals that help buyers through different phases of the transaction. ~ Sam Austin, 2014 We were very glad to have gotten a chance to work with Jill. There are so many options out there, we were very glad we signed with her. Jill was super easy to communicate and work with. Jill made great suggestions while selecting properties while keeping our needs in mind. She also stayed very calm and helpful during the negotiating and closing process. Thank you so much! We will work with Jill again! ~ Kenan & Anam, 2014 We are so happy and grateful for the referral to Jill Hill. She worked tirelessly with us in our search for our new home. Our transaction went smoothly because of her recommendation on the lender. She has become a part of our family. You will not be disappointed when you work with her. ~ Tony & Traci, 2013
Open communication • Integrity • honesty
Jill Hill Principal Broker | M Realty
503.502.7787 Cell jillkhill@gmail.com www.jillhillproperties.com
m realty
Client Testimonials Our house hunting experience was enjoyable and we felt taken care of. Jill was helpful every step of the way and we felt like she knew exactly what we wanted. She is great to work with and I’ll be recommending everyone I know to her. ~ Jenny & Jason Burnett Jill was as helpful a Realtor I could have asked for. She was on my side the entire time and I would definitely recommend her to anyone ready to buy or sell a home. Mahalo, Jill! ~ Lara Ansai We are very happy with Jill Hill and M Realty. Jill was informative about the process and made herself available to answer questions we had along the way. Our house sold in one day and Jill and M Realty were a big part in this. The pictures and video tour were great and contributed to the quick sale of my home. ~ Valerie & Brian Seago From our first meeting to my last inquiry post sale I always felt comfortable with Jill and confident with her suggestions and input. I would highly recommend Jill to anyone buying in her area. ~ Sharon Harvey We really enjoyed working with Jill. She made the whole process of purchasing our house much easier. We really appreciate everything you have done for us and we look forward to working with you again in the future. Thank you! ~ Kyle & Sidney
Jill went above and beyond when it came to finding us the perfect home. Whatever bumps we came across she helped us through them and did her best to help integrate us into the community. We are truly blessed to have her as our agent! ~Cody & Arrell Jill held my hand the entire process, answered questions and explained the process. She was always prompt and thorough.I enjoyed working with Jill and recommend her highly! Thanks so much, Jill! ~Kathy I felt like Jill was part of the family. She really paid attention to what we were looking for and helped us through the entire process. ~ Tim & Jennifer Jill is professional and caring. She really cares about the needs of her clients and I truly appreciate this about her and her business. ~ Christine Jill is extremely professional with the perfect balance of personal touch to make the process best meet my needs. ~ Michael & Anna If you are in the market to buy your first home or just purchase a new one I would definitely recommend for you to take a few minutes and give Jill a call. It will be worth the time and you will truly enjoy working with her as we have :-) She is genuinely kind and sincere. ~ Dawn
Open communication • Integrity • honesty
Jill Hill Principal Broker | M Realty
503.502.7787 Cell jillkhill@gmail.com www.jillhillproperties.com
m realty
Buyer’s Guide
m realty
Jill Hill
Shannon MatTin
Principal Broker
Oregon Broker & Licensed Assistant
503.502.7787 jillkhill@gmail.com www.jillhillproperties.com
541.598.5947 shannonmattin@gmail.com www.jillhillproperties.com
M Realty LLC 2211 NW Front Ave, #101 Portland, OR 97209
For more information, go to:
JillHillProperties.com
Jill Hill Principal Broker | M Realty
503.502.7787 Cell jillkhill@gmail.com www.jillhillproperties.com
m realty