Dana Robbins Buyer Presentation by Berkshire Hathaway HomeServices RW Towne Realty

Buyer Consultation

IT’S YOUR MOVE...WE’LL HELP YOU MAKE THE RIGHT ONE!

Hello! In our experience, a home isn't a dream home because of its room dimensions. It's about how you feel when you walk through the front door, and the way you can instantly envision your life unfolding there. This is about more than real estate - it is about your life and your dreams. We understand you are looking for a new home, and we want to be the real estate professional to help you. We work with each of our clients individually, taking the time to understand their unique needs and lifestyle, and we want to do the same for you. It's incredibly fulfilling to know we are helping our clients open a new chapter of their lives. That's why we work so hard to not only find that perfect home, but also to handle every last detail of the purchase process, from negotiating the terms of sale to recommending moving companies. This package contains helpful information for home buyers, including an overview of the entire purchase process, answers to frequently asked questions, and fact sheets to help us discover the home and neighborhood characteristics most important to you. After you've had the chance to review this information, we’ll meet to go over the entire process and get started on finding your new home. We’ll prepare an in-depth, customized package of homes for you to review, highlighting properties that meet your criteria in neighborhoods that suit your lifestyle. We are so excited to get started on finding you the perfect home. All the Best,

It ' s All About You

OUR REAL ESTATE BUSINESS HAS BEEN BUILT AROUND ONE GUIDING PRINCIPLE: IT'S ALL ABOUT YOU!

» Your needs » Your dreams » Your concerns » Your questions » Your finances » Your time » Your life Our focus is on your complete satisfaction. In fact, we work to get the job done so well that you will want to tell your friends and associates about it. Maybe that's why more than 65% of our business comes from repeat customers and referrals. GOOD SERVICE SPEAKS FOR ITSELF. WE’RE LOOKING FORWARD TO THE OPPORTUNITY TO EARN YOUR REFERRALS TOO!

     Jordan helped my family relocate to Williamsburg and made the process absolutely seamless! He worked tirelessly with us in an incredibly difficult housing market to find us the right home. He communicated consistently and openly throughout the process. I would highly recommend contacting Jordan for buying your next home! - Rachel Smith

     Adam was great! He knows the area, the process, and is very responsive. He helped us lock down a house in a dynamic, quick moving market. Not being all familiar with the process, he was very patient with all of our questions answered them in a way we could understand. He even negotiated things that we had no idea we’re being worked behind the scenes. Will recommend him to any friends or family moving to the area in the future. - Bill Peoples, VA Beach

What Are the First Steps for Buying A Home? 1.

Get pre-approved with a lender - local lenders are preferred and often make your offer

Schedule a buyer consultation with one of our team members where we will go over the

more competitive.

process, contract, contingencies, and next steps.

We will set up a search from the MLS that meets your parameters.

Go see Houses!

I CAN SHOW YOU ANY HOME ON THE MARKET! What if the house is listed with another company?

YES, WE CAN SHOW IT TO YOU!

What if the home is listed For Sale By Owner?

YES!

What if the home is a foreclosure?

YES, THOSE TOO!

What if I see the home on Zillow?

YES! SEND US THE ADDRESS AND WE WILL GO SEE IT!

What Are We Looking For? Buyers Name(s): Price Range: MIN$

MAX$

Desired Neighborhoods/School Districts: Bedrooms:

Bathrooms:

Square Footage:

House Style:  Cape Cod  Colonial  Farmhouse  Multi-Level  Ranch  Split-Level  Victorian  Other FEATURES Cul-de-Sac Street Garage Fenced-in-Yard Pool Deck and/or Patio Front Porch Hardwood Floors Open Floor Plan Updated Bathroom(s) Spa Bath Master Bathroom Eat-in Kitchen Granite Counter-tops Kitchen Island Kitchen Appliances Included Fireplace Central Air Washer/Dryer Included Office Walk-in Closet Security System Dining Room Other:

DESIRED

HIGHLY DESIRED

MUST-HAVE

The seller pays our fees as your buyer’s agent which is how we get paid! Other than the down payment for whatever type of loan you choose. You’re responsible for the following out of pocket expenses in the buying process:

EARNEST MONEY DEPOSIT (Typically $500-$5000)

This is either a check or wire transfer submitted with the contract and deposited into an escrow account that shows good faith toward purchasing the property. When you close on the home it is credited toward the purchase. If you release from the contract during any of the contingencies, you will receive this money back.

HOME INSPECTION FEE (Typically $300-$600 depending on company & size of home) This is your independent inspection you pay for that examines the home from the crawlspace to the roof and all the major mechanical systems.

CLOSING COSTS

APPRAISAL FEE (Typically $500)

The appraisal inspection through your lender is to ensure the home is worth contract price. This inspection is usually ordered after the home inspection. You’re NOT obligated to purchase the home if appraisal comes in lower than contract price and seller doesn’t drop the price.

(Typically 3-4% of the purchase price with a minimum of $5000)

This is what it costs for you to secure your loan and close on the property with a settlement agency or closing company. You get these fees from your lender/closing company and it’s based on your credit, debt to income ratio, other lender variables, closing company fees (title search, deed prep, recording fees, owners title insurance, etc).

SURVEY

(Approximately $500-1000 depending on size of property)

MOVING COSTS & UTILITY DEPOSITS

Keep in mind moving costs and if you’re new to the area or haven’t had utilities in this area, there will be fees/deposits required to set up utility services.

This is an option for any buyer that can be done during or after closing. A survey refers to the process of locating and measuring a property’s boundary lines to determine the exact amount of land that a homeowner owns. A survey will also locate and measure any easements or encroachments on a property, which will be noted on a home’s chain of title.

IT’S YOUR MOVE...WE’LL HELP YOU MAKE THE RIGHT ONE!

Mortgage Dos and Don'ts DO CALL YOUR MORTGAGE CONSULTANT

If you are unsure if something will impact your loan, call your representative.

DON’T MAX OUT OR OVER CHARGE EXISTING CREDIT CARDS

Running up credit cards is the fastest way to bring a credit score down. Try to keep credit cards below 30% of the available limit.

DO KEEP ORIGINAL DOCUMENT

DON’T CONSOLIDATE DEBT OR CLOSE Keep originals of all pay-stubs, bank statements and CREDIT CARD ACCOUNTS other financial documents.

DO PAY ALL YOUR BILLS ON TIME

Late payments on current accounts like mortgage, car payment, charge cards, etc. will impact your credit score which identifies your likeliness to repay your debts. Make your mortgage payments on time but call your loan representative before you make any payments that are scheduled within two weeks of closing.

DON’T APPLY FOR NEW CREDIT OR INCREASE ANY CREDIT LIMITS

Avoid making major purchases such as cars, lines of credit for furniture, appliances, computers, etc. If you receive an invitation to apply for new lines of credit or to increase existing credit, don’t respond. If you do, that company will pull your credit report and this will have an adverse effect on your credit score.

This may change your qualification ratio of debt to available credit which also affects your credit score. You want to keep an active beneficial credit history on your record. If you really want to do these things, do it after you close your mortgage loan.

DON’T RAISE RED FLAGS

Don’t co-sign on another person’s loan or change your name and address. The less activity that occurs while your loan is in process, the smoother the process will be.

DON’T CHANGE JOBS

Employment stability is a big factor in the underwriting process. Quitting, changing jobs or even changing positions in same company can greatly impact your loan approval. Inform us immediately of any changes to your job, position or income.

WHY PRE-QUALIFY? We recommend our buyers get pre-qualified before beginning their home search. Knowing exactly how much you can comfortably spend on a home reduces the potential frustration of looking at homes that don’t fit your criteria.

We have local lenders we’ve successfully worked with for years who can help you obtain financing at the best terms the market affords.

Loan Application Check List HERE IS A CHECKLIST OF DOCUMENTS AND MATERIALS YOU WILL NEED IN ORDER TO APPLY FOR A MORTGAGE:  PURCHASE CONTRACT AND PROPERTY INFORMATION » Copy of the sales contract » Mailing address and property description » Contact information for access to the property » Plans and specifications (new construction only)  PERSONAL INFORMATION » Social Security number » Age » Years of schooling » Marital status » Number and ages of dependants » Current address and telephone numbers » Addresses for the past seven years » Current housing expenses (Rent, mortgage,

 ASSETS » Complete information on all bank and money accounts » Two months of bank statements, all pages » Current values of stocks, bonds, mutual funds, bank statements, and other investments » Vested interests in retirement funds statements » Value of life insurance » Information on vehicles you own » Information on real estate you own » Value of significant personal property you own

 LIABILITIES » Itemized list of all current debts (loan, credit insurance, taxes) cards, and other bills) » Name and address of landlord or mortgage » Written explanation of past credit problems holder for past two years » Full details of any bankruptcy during the last seven years  EMPLOYMENT HISTORY AND INCOME » Two years of employment history, with  FEES complete details of each job • Credit report and appraisal fees » Recent pay stubs, two years of W-2 forms, (usually $500 or less) and two years of tax returns » Complete tax returns and financial statements  OUT OF POCKET EXPENSES BEFORE if self employed - business tax returns SETTLEMENT » Written explanation of employment gaps » Home inspection, est. 500 » Records of dividends and interest received » Apprasial, est. 550 » Proof of other income

don ’ t let the loan application process prevent you from making an offer on the

home of your dreams ! be ahead of the game by having all your documents organized and ready to give to your loan originator .

Making an Offer Once you have found the property you want, we will write a purchase agreement. While much of the agreement is standard, there are a few areas that we can negotiate: THE PRICE What you offer on a property depends on a number of factors, including its condition, length of time on the market, buyer activity, and the urgency of the seller. CLOSING COSTS The contract states that the buyers pay their closing costs and the sellers pay theirs unless otherwise specified in the contract. The market will typically dictate the trend of who pays what. For example, if it’s a buyer’s market, you might be able to negotiate for the seller to pay a portion or all of your closing costs. This is often written in a dollar or percentage of sales price amount. THE MOVE-IN DATE If you can be flexible on the possession date, the seller will be more apt to choose your offer over others. ADDITIONAL PROPERTY Often, the seller plans on leaving major appliances in the home; however, which items stay or go is often a matter of negotiation. Typically, you will not be present at the offer presentation - we will present it to the listing agent and/or seller. The seller will then do one of the following: » Accept the offer » Reject the offer » Counter the offer with changes By far the most common is the counteroffer. In these cases, my experience and negotiating skills become powerful in representing your best interests. When a counteroffer is presented, you and I will work together to review each specific area of it, making sure that we move forward with your goals in mind and ensuring that we negotiate the best possible price and terms on your behalf. It is very important that if there is something particular you want in the house that we get that in writing. For example, dining room chandelier to convey or bathroom mirrors to convey. When in doubt, write it in the contract.

     “Adam was an invaluable resource when we were searching for our home. He was always on time, made himself available for calls and showings, and coordinated with the seller’s agents if we had questions about a property. This year was a crazy time for purchasing a house and we could not be more thankful for having Adam on our side!!“ - Sean & Elizabeth Jacobs, Newport News

Contingencies A contingency is a term or condition that must be met for an offer to become a binding contract. Contingencies always weaken an offer. Yet some considered normal. Some common purchase offer contingencies include: » Approval of agreed-upon third-party inspections within a stipulated period of time after the seller’s acceptance of the offer. This allows you to “walk away” from the contract if you find the inspection unsatisfactory. (See Step 7 for more information on inspections.)

Your earnest money is held by one of the brokers, the title company, or attorney. If your offer is accepted, these funds will become part of your down payment at closing. If negotiations fail to result in a sales contract, your earnest money is usually refunded. These funds will be handled in accordance of state law.

THE END GOAL: CLOSING! Three days prior to closing, you’ll receive a Closing Disclosure. The actual, legal transfer of ownership is called the closing or settlement. Possession is usually transferred at closing too, but not always. In some scenarios, the seller may request to close » Obtaining specific financing terms, such as the sale but retain possession, and pay rent to the interest rate and the duration of the mortgage. buyer until vacating the property. If you can’t find the mortgage terms you’re looking for, as specified in your offer, you cannot Though a few states do not require face-to-face closing meetings, they are common in most states. be bound by a contract based on your offer. Who attends closings? This can vary from state-to» Securing a specific job. If buying this home state, and your agent can provide details for your depends on consideration for a job transfer, situation. you’ll want to include this provision. » Selling your current home. Sellers may view a contingent sale unfavourably, but an accepted offer on your home will improve your negotiating position. After your offer has been drawn up, it is presented to the seller(s). Exactly who presents your offer can vary. Your agent may present your offer to the listing agent and the seller. Or the listing agent may receive your offer from your agent, then present it to the seller. WHAT IS EARNEST MONEY? This is a cash deposit you make when submitting your written offer on a property to show your “good faith.” Sellers are understandably suspicious of offers that are not accompanied by such a deposit. The amount expected can vary depending on the negotiating situation and from market to market.

Home Inspections

After you’ve made an offer on a home and it’s accepted, it’s wise to hire a home inspector to check out the house to determine its condition. After all, even if a house looks like it’s in great condition, appearances can be deceiving. Inspectors have a detailed process of ensuring they check out all of the home’s major systems. GROUNDS

INTERIOR ROOMS Inspectors are looking for current or future water Inspectors are concerned about leaning walls that issues such as standing puddles and faulty grading indicate faulty framing; stained ceilings that could or downspouts. They check out landscaping to point to water problems; adequate insulation see if trees and shrubs are in good condition (an behind the walls; and insufficient heating vents arborist will give you a more detailed assessment); that could make a room cold and drafty. and evaluate pathways, retaining walls, sheds, KITCHEN and railings. Inspectors make sure range hood fans vent to the outside; ground fault circuit interrupter (GFCI) STRUCTURE protection exists for electrical outlets within 6 feet Is the house foundation solid? Are the sides straight? Are the window and door frames of the sink; no leaks occur under the sink; and square? This part of the inspection is particularly cabinet doors and drawers operate properly. important when you’re considering buying an older home. BATHROOMS Inspectors want to see toilets flushing, drains ROOF draining, showers spraying, and tubs securely The inspector’s looking for defects in shingles, fastened. flashing, and fascia, all of which can cause ceiling drips; loose gutters; and defects in chimneys and PLUMBING skylights. Inspectors are evaluating pipes, drains, water heaters, and water pressure and temperature. EXTERIOR The inspector will look for siding cracks, rot, or ELECTRICAL decay; cracking or flaking masonry; cracks in Inspectors will check if the visible wiring and stucco; dents or bowing in vinyl; blistering or electrical panels are in good shape, light switches flaking paint; and adequate clearing between work correctly, and there are enough outlets in siding and earth, which should be a minimum of 6 each room. inches to avoid damage from moisture (although dirt can be in contact with the cement foundation). WINDOW, DOORS, TRIM If you want to keep heat in, cold out, and energy bills low, windows and doors must be in good working condition. The inspector will see if frames are secure and without rot, caulking is solid and secure, and glass is undamaged.

Funding Your Home Purchase FINANCIAL PRE-QUALIFICATION OR PRE-APPROVAL » Application and interview » Buyer provides pertinent documentation, including verification of employment » Credit report is requested UNDERWRITING » Loan package is submitted to underwriter for approval

LOAN APPROVAL » Parties are notified of approval » Loan documents are completed and sent to title CLOSING COMPANY » Title exam, insurance and title survey conducted » Borrowers come in for final signatures FUNDING » Lender reviews the loan package » Funds are transferred by wire

Appraisal A real estate appraisal is an evaluation of the value of a property, performed by a licensed or certified appraiser. The purpose of a real estate appraisal is to determine the fair market value of a property for a variety of reasons, such as determining the value of a property for sale, purchase, or mortgage purposes. The appraisal process typically involves the appraiser inspecting the property, analyzing comparable sales data, and considering any relevant factors that may affect the property’s value, such as its location, condition, and amenities. The appraiser then provides a written report that includes an estimate of the property’s value, along with a description of the methodology used to arrive at that value. Real estate appraisals are often required by lenders when someone is applying for a mortgage or refinancing a property, but they can also be useful for property owners who want to determine the market value of their home, or for buyers who want to ensure they are paying a fair price for a property. In addition to assessing the property’s value, the appraiser will also determine if there are any repairs necessary to meet that value. We call these repairs appraisal required repairs. If an appraiser deems repairs necessary to meet a certain value, the repairs have to be completed in order for the loan to be approved. The seller is responsible for these repairs up the cap limit on paragraph 13 of the Standard Purchase Agreement, this is usually 1%. We can discuss this further as every situation can be slightly different. If the appraisal comes in lower than the purchase price, there are several options. The seller can drop the purchase price to the appraised value, the buyer and seller can negotiate, or if the seller doesn’t drop the price, the buyer can release from the contract without penalty. We will assist you in walking through this process.

What is Title Insurance? Title insurance protects you from losses that occur from various matters affecting the title to land. There are two basic types of policies: Owner’s policies to protect the owner, and Loan policies to protect the bank’s loan.

If the bank requires a Loan policy, why do I need to buy an Owner’s policy?

The Multiple Listing Service Website provides up-to-date information for every home on the market. We constantly check the New on Market list so we can be on the lookout for my clients. We will get you this information right away, the way that is most convenient for you; by phone and/or email.

I paid for a title search. Why do I need to buy title insurance also?

A title policy insures against many defects which could not be discovered in a title search, as well as insuring against errors made in the title search itself. And even if an error is made in a search, by the time it is discovered, any recourse against a searcher may be barred by the statute of limitations.

Is Owner’s coverage expensive?

No A one-time premium covers you throughout your ownership and after. When you are already paying for a loan policy, the additional cost for an Owner’s policy is usually minimal.

What is Covered Under an Owner’s Policy? The Owner’s policy provides these basic coverages for a homeowner: » Ownership: It insures that you are the owner of the property.

» No Liens: It insures against losses from any liens or encumbrances on the property except those listed in the policy. » Access: It insures you have a legal right of access to the property.

» Marketability: It insures against your title being rejected by a subsequent buyer because it is unmarketable due to a title defect or lien. The Owner’s policy protects you against losses due to Covered Risks defined in the policy jacket. Subject to the Terms and Conditions, it also covers attorney’s fees and costs in defending the title to your properly. Real estate litigation can be very expensive. You are covered under the Owner’s policy for as long as you own the property, and also for liability after you sell the property if you provide title covenants, such as a General Warranty of Title, in your deed to the new buyer.

     “In 2021, I contacted Adam Payne from an internet search. I had unsuccessfully worked with two REALTORs® prior - and hoped that Adam’s online reviews were a lucky shot. Luckily for me, he sailed above my expectations. Adam Payne is a genuine, customer-oriented REALTOR® who puts the wants and needs of his clients as his top focus. He is available, attentive, and knows the Hampton Roads housing market very well. During my home search, Adam was very accommodating – as I looked at many, many homes. He always recommended homes that he thought would be of interest to my tastes and never pushed any choices that did not suit my needs. After many home views during the fast-paced housing market during the pandemic, we finally found a match and I am happy with the home that I found with Adam Payne. Throughout the home-buying process, Mr. Payne was there all the way –any time I needed his assistance with mortgage questions, insurance, contract negotiations, and the entire process. Even after the completion of sale, Adam stayed in contact to make sure all was well with my home and that I was satisfied. Additionally, Berkshire Hathaway made sure that I was invited to BH social events and made me feel appreciated. I have highly recommended Adam Payne to several friends in the Hampton Roads area and would greatly likewise encourage new clients to trust him with their home buying needs.“

- Jason A. Jacobs, Newport News

20 Important Reasons Why You Should Have Owner’s Title Insurance These are just some of the hidden title risks that may not be disclosed by even the most meticulous title search, but are covered by an Owner’s policy of title insurance: 1.

Forgery

Fraud in the execution of documents

Undue influence on a grantor of a deed

False impersonation by someone purporting to be the owner of the property

Incorrect representation of marital status

Undisclosed or missing heirs

Wills not properly probated

Misinterpretation of wills and trusts

Mental incompetence of a grantor in a deed

10.

Transfer of title by a minor

11.

Heirs born after the execution of will

12.

Incorrect legal descriptions

13.

Non-delivery of deeds

14.

Unsatisfied claims not shown in the public records

15.

Deeds executed under expired or false power of attorney

16.

Confusion due to similar or identical names

17.

Erroneous reports furnished by tax officials

18.

Incorrect indexing of the land records

19.

Clerical errors in recording legal documents

20.

Delivery of deeds after the death of the grantor

IMPORTANT WIRE FRAUD NOTICE: Never trust wiring instructions sent via email. Cyber criminals are hacking email accounts and sending emails with fake wiring instructions. These emails are convincing and sophisticated. Always independently confirm wiring instructions in person or via telephone call to a trusted and verified phone number. Never wire money without double-checking that the wiring instructions are correct.

Being Prepared to Close

PREPARE FOR IT Closing day marks the end of your home-buying process and the beginning of your new life! To make sure your closing goes smoothly, you should bring the following: » A certified check for closing costs and down payment. The closing company or lender will communicate to you the amount owed, if any, at closing. » Photo IDs OWN IT Transfer of title moves ownership of the property from the seller to you. The two events that make this happen are: DELIVERY OF THE BUYERS FUNDS » This is the check or wire funds provided by your lender in the amount of the loan. DELIVERY OF THE DEED » A deed is the document that transfers ownership of real estate. The deed names the seller and buyer, gives a legal description of the property, and contains the notarized signatures of the seller and witnesses. At the end of closing, the deed will be taken and recorded at the county clerk’s office. It will be sent to you after processing in approximately six weeks.

Moving Checklist

NEW TELEPHONE NUMBER: ____________________________________________ NEW ADDRESS: _____________________________________________________ Before you move, you should contact the following companies and service providers: UTILITIES: ¡ Electric ¡ Telephone ¡ Water ¡ Cable ¡ Gas PROFESSIONAL SERVICES: ¡ Broker ¡ Accountant ¡ Doctor ¡ Dentist ¡ Lawyer GOVERNMENT: ¡ Internal Revenue Service ¡ Post Office ¡ Schools ¡ State Licensing ¡ Library ¡ Veterans Administration CLUBS: ¡ Health and Fitness ¡ Country Club

INSURANCE COMPANIES: ¡ Accidental ¡ Auto ¡ Health ¡ Home ¡ Life ¡ Renters BUSINESS ACCOUNTS: ¡ Banks ¡ Cellular Phones ¡ Department Stores ¡ Finance Companies/Credit Cards SUBSCRIPTIONS: ¡ Magazines ¡ Newspapers MISCELLANEOUS: ¡ Business Associates ¡ House of Worship ¡ Drugstore ¡ Dry Cleaner ¡ Hairstylist

Utility Information TELEPHONE/TELEVISION/INTERNET VERIZON FIOS www.verizon.com/home/fios 1-877-265-6965 » Advance Notice: One or two weeks » Deposit: May be required based on internal credit check. COX COMMUNICATIONS www.cox.com 1-800-818-0679 » Advance Notice: One or two weeks » Deposit: May be required based on internal credit check. CHARTER COMMUNICATIONS www.charter.com » 1-866-513-4900 » Advance Notice: One or two weeks Deposit: May be required based on internal credit check.

WATER & SANITATION (TRASH PICKUP)

Newport News Waterworks 1-757-926-1000 www.nnva.gov/326/Phone-Numbers- LocationsDirections » Gloucester: 804-693-4042 » York County: 757-898-5488 » Williamsburg: 757-220-6188 » James City County: 757-253-6800 » Suffolk: 757-923-3675 ($40.00Deposit) » Isle of Wight: 757-365-6284 » Smithfield: 757-365-4200 Advance Notice: One business day. Deposit: $50 refundable when account is closed. Connection fee: $50 Deposit will be on initial bill. Service Area: Hampton, Newport News, Poquoson, and York County.

ELECTRIC

DOMINION ENERGY Call 1-866-366-4357 www.dominionenergy.com » Advance Notice: One business day » Connection Fee: $15 » Service Area: Hampton, Newport News, Poquoson, Yorktown, York County, Smithfield, Williamsburg and Glouster Deposit: If costumer does not have established credit with Dominion Virginia Power or any regular electric company. The deposit is approx. $90.00 - $180.00. Deposit will be billed in 3 monthly installments. Military personnel may be able to obtain deposit guarantee from military credit unions so the deposit will not have to be paid.

VIRGINIA NATURAL GAS

www.virginianaturalgas.com 1-866-229-3578 » Advance Notice: Two or three business days. » Connection Fee: $30 » Service Area: Hampton, Newport News, Poquoson, Williamsburg and York County. » Smithfield: Columbia Gas 1-800-543-8911 » Suffolk: 757-539-5371 (Amerigas) » www.amerigas.com Deposit: May be required based on internal credit check. The deposit is approx $40.00 and up depending on usage. ($75 with gas range and gas heater, $240 with gas range, water heater and gas heat) Deposit will be billed in 3 monthly installments. Military personnel may be able to obtain deposit guarantee from military credit unions so the deposit will not have to be paid. Water and Electric have to be connected prior to installation and can take up to 8 weeks on new construction.

PROPANE (INSTEAD OF NATURAL GAS)

AMERIGAS (FORMERLY COLUMBIA) 1-804-693-9046 » Revere Gas: 804-693-6602 » Phillips Oil & Gas: 804-642-2166 » Service Area: Hampton, Newport News, Gloucester, and Mathews County. Deposit: May be required based on internal credit check and usage/tank size Approx $50.00 to $125.00

Client Cheers

     “It is with great pleasure that we highly recommend Dana Robbins as a Real Estate professional. Two years ago we were seeking our dream waterfront property on the James River in South-Eastern Virginia and Dana was just the right person to help us find it and negotiate the sale. It took more than a year to find just the right property for our future retirement home, but Dana never gave up the quest. Once we settled on the property we wanted, the sale was very difficult, we endured multiples counter offers. The process took more than 2 months due to the seller’s indecisiveness. However, Dana displayed incredible patience and kept us up to date at all times and kept us from making any rash decisions. We are very happy to say that Dana’s persistence with the selling agent made the deal happen. It was a pleasure working with Dana through our entire process. We would highly recommend Dana to any other military family trying to negotiate a deal from a distance. Dana Robbins is an agent who can be trusted to work diligently for her clients.”

Colonel Timothy Kehoe & Jennifer Kehoe, Smithfield

“Jordan was very responsive to my needs and made every effort to answer my questions and accommodate my requests. He was very accessible and listened to what mattered to me in finding a home. He was patient and committed to helping me find the perfect home for me and my family. I highly recommend him. ”

Tamara Temoney-Porter, Hampton “Dana did an incredible job finding us our 1st home! We needed to find something in a very short period of time and of course being 1st time home buyers we had many questions and concerns. Dana put us at ease, gave us recommendations and was so professional! I would recommend her talent to anyone!”

Andre & Julie Parrott, Williamsburg

“Adam was an answered prayer. We were looking for a very specific aspects for our new home and he found us the perfect one. He eased the burden and stresses that come with buying a home.”

Tony Russell, Hampton

“Dana was great to work with! She helped me find my first home which was a foreclosure and could have been a very stressful process but with her knowledge and experience it was a breeze. Dana took her time with me and was very understanding that this was my first time buying also she did everything she could to accommodate my rigorous work schedule. I would recommend Dana to anyone buying or selling especially if its your first time.”

Anthony Patierno, Isle of Wight

“I can’t think of a way buying a home could be any easier. Jordan took care of all the problems I had without batting an eye. Half the time issues didn’t even reach my ear because he took care of everything so promptly and carefully. Unfortunately I won’t be working with him any time soon...because he found me such an amazing house! It’s no contest... ask Jordan to help find your dream home.

Philip Dobrenz, Newport News

“It was a pleasure working with Jordan. He was always helpful and quick to respond to any questions or concerns. We had a tight timeline to get my father into a new home and were able to close in just over 30 days from the time we started looking to closing. I will definitely use Jordan for the next home we purchase in the area.”

Kerry Hritsik, Yorktown

“As a first time home buyer Jordan worked diligently to help me find the PERFECT house to fit my needs!! I am in love with the home he helped me find! Thank you Jordan and I will use him again because of his negotiating skills. He was able to get important issues addressed in a sellers market. I am forever grateful! Thank you Jordan and Dana for everything!”

Amanda Bobb, Newport News

Frequently Asked Questions How will you tell me about the newest homes available?

Will you inform me of homes from all real estate companies or only Berkshire Hathaway HomeServices RW Towne Realty?

We will keep you informed of all homes. We want to help you find your dream home, which means we need to stay on top of every home that's available on the market. We can show you any home for sale. Regardless of what company has it listed, or if it is a for sale by owner.

Can you help me find new construction homes?

Yes, we can work with most builders and get you the information you need to make a decision. On your first visit with the builder, we will accompany you. By using my services with a new construction home purchase, you will receive the services we offer, as well as those provided by the builder, at no additional cost.

How does for sale by owner (FSBO) work?

Homeowners trying to sell their home without agent representation are usually doing so in the hopes of saving the commission. If you see a FSBO and want the advantages of our services, let us contact the owner for you and make an appointment. Most times the homeowner will work with an agent, even though their home is not listed, since the agent is introducing a potential buyer to their property.

You will have the opportunity to see the home again Can we go back through our property again once an offer is made, during the home inspection. This is the perfect time to bring your tape measure and anyone else you want to see but before possession? your new home.

Once my offer is accepted, what should I do?

We will schedule the home inspection for you with your company of choice and don’t worry, if you don’t have one, we have several to recommend. Once we make it through the home inspection contingency, you will want to schedule your move, pack items and notify businesses of your address change. We will provide you with a moving checklist to help you remember all the details.

How long does it take from ratification to closing?

Typically about 30-45 days for financed deals.

When do I actually own the house?

There are 2 answers to this. First is upon signing of your closing paperwork at the closing company which is typically when you get yours keys and second is upon the deed being recorded at the courthouse and the loan funded. In the state of VA, the closing company has 48 business hours to fund the loan and file the deed. In very rare occurrences, something could occur in that timeframe such as a natural disaster, a new lien filed against the property, etc.

What can I ask for the seller to repair on the home inspection?

This is a point of negotiation to try to get as much as possible for you and still keep the purchase moving forward if that’s what you want. There are no limitations on what you can ask for but depending on the market, the deal itself, and the seller, each situation is different. We will advise you on what to ask for based on your needs while keeping all the other parts of the transaction in mind. Let’s say the seller is giving you $7500 in closing cost assistance, they may not be as inclined to take care of a bunch or repairs for you. Every transaction is different.

Can my spouse be on the deed if they’re not on the mortgage?

Yes, they can be added to title after closing by Deed of Gift. You can discuss this further with your closing company.

What conveys or stays with the house?

Everything “attached” such as all major systems like hvac and water heater, oven, light fixtures, and built in shelves. Items like bathroom mirrors hanging on the wall vs installed in a cabinet may not convey. When in doubt, ask!

Frequently Asked Questions Am I required to have a home inspection?

The lender nor the VA requires a home inspection however, every financed loan will require an appraisal and a moisture & termite inspection, formally called a Wood Destroying Insect/Organism Report.

What is a Wood Destroying Insect/ Organism Report (also referred to as Moisture & Termite Inspection/Report)?

This is an inspection done by a qualified pest control company that ensures there are no wood destroying insects alive in the crawlspace or inside the home or no past damage from these insects that may not have been repaired. This inspection also covers fungus related issues caused by excessive moisture in the crawlspace.

When will I know how much money You will have an estimate when your lender goes over your loan and a more accurate number at the very end to bring to closing? of the process within 3 days of closing when the lender sends out the ALTA disclosure statement.

How Are We Different From Other Real Estate Agents? OUR EXPERIENCE We’ve been working in Real Estate for over 15 years of combined experience and have helped hundreds of people find their first home, sell a home, or invest in real estate in Hampton Roads, where we’ve lived for 20 years. We work with a great network of professionals who are actively involved in every step along the way to protect your best interests. OUR EXPERTISE Whether you’re downsizing, selling an estate, prepping a family member for moving into assisted living, military, going through a divorce, need a bigger nest, or want to invest, we’re here to guide you through the process! OUR COMMUNICATION We’re available to you every step of the way. It’s our commitment to answer your calls, texts, or emails in a timely manner. OUR COMMITMENT TO YOU The majority of our business is from referrals. Meaning, happy, satisfied clients who give my information to other potential clients. We hope to gain that same level of customer satisfaction with you too! BERKSHIRE HATHAWAY HOMESERVICES RW TOWNE REALTY At Berkshire Hathaway HomeServices RW Towne Realty we have the expertise, experience and resources to help you with all of your real estate needs. We seek life-long relationships with our clients through our reputation for honesty, loyalty, accountability and creativity.

Dana Robbins: 757-268-6675 Adam Payne: 757-969-3819 Jordan Johnson: 757-746-5949 Dana@RobbinsNestRealtor.com www.RobbinsNestRealtor.com

1 OLD OYSTER POINT ROAD • NEWPORT NEWS 23602 (757) 873-6900

Exclusive Agent Representing the Seller. All information is believed to be accurate but is not warranted and is solely a guide to prospective purchasers who should satisfy themselves by inspection or otherwise as to the correctness of this information. ©2023 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. Equal Housing Opportunity. Berkshire Hathaway HomeServices RW Towne Realty is an affiliate of TowneBank and licensed in the states of Virginia and North Carolina.