Premier Service for Home Buyers

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Information about Premier Service for Home Buyers

Published on June 1, 2008

Author: MRMiller


Slide 1: Mr. & Mrs. John Doe 1234 Main Street Anytown, ST 12345 Michael Miller PS Slide 2: Company Overview Since its founding as an independent agency in 1979, Metro Brokers has been a leader and an innovator in the way real estate is sold in the metro Atlanta area. Slide 3: Company Overview Credentials Licensed Real Estate Agent Member of National Association of Realtors Member of Cobb Association of Realtors Premier Service Trained Member of GAMLS Member of FMLS Michael Miller PS My Mission To help you find the best house that fits your needs in the time frame you select with the least amount of stress and inconvenience as possible Slide 4: Company Overview GMAC Real Estate has more than 1,300 franchised and company-owned real estate offices with more than 22,000 Sales Associates. Backed by the resources and of GM and the success of one of the world’s leading financial institutions, we are a part of GMAC Home Services, which includes Residential Real Estate,GMAC Mortgage and a complete Global Relocation Division. How the GMAC Real Estate BrandWorks For You 94% Customer Satisfaction Rating – We’re Different! The goal of GMAC Real Estate is to deliver a quality customer service experience based entirely on what our customers want. And, we’re succeeding. But don’t take our word for it, take our customers’. After thousands of completed surveys, 94% of them say they are satisfied or very satisfied with our services while 92% would refer us to a friend. And more than 90% say they would use our services again. How did we achieve these results? Premier Service®. Slide 5: Premier Service® is an innovative way of doing business that sets us apart from our competitors while giving you the value and attention that you deserve. Our Premier Service training and experience ensures not only the success of your real estate transaction, but also the quality of your experience. What is Premier Service®? The Process of Premier Service ■ Listen to your needs. I will deliver a service experience based on your needs and desires. ■ Establish clear expectations. I will explain the roles I play in the purchase of your home and how we will work together. ■ Commit in writing. I will sign a Service Commitment as my promise to deliver on those expectations. ■ Perform the service. I will deliver on my written commitment. ■ Solicit your feedback. You will be asked to complete a survey which will be used to measure and evaluate my performance. Company Overview Slide 6: This guarantee, which GMAC Real Estate Sales Associates give to their customers, pledges to serve as their Trusted Advisor, Skilled Negotiator and Expert FacilitatorSM. Company Overview The Premier Service® Guarantee Slide 7: As your Trusted Advisor, I will listen to your goals, recommend the right resources to help you reach them and share with you my experience and expertise. As your Skilled Negotiator, I will help you explore all options, respect your confidentiality and steadfastly represent your interests. As your Expert Facilitator, I will handle all the details and work to ensure that the sale I put together, stays together. My Roles Company Overview Slide 8: By signing this pledge, I am giving you my personal commitment to: Company Overview The Commitment Deliver a service experience based on your needs and wants Stay in touch with you and deliver the level of service you want Give you access to special programs and services that can deliver value and relieve the stress of buying or selling a home Make myself available to answer questions or concerns Make it my highest priority to deliver the caring customer service you deserve Slide 9: Company Overview The Premier Service® Survey Your opinion is important and your input is valued! Through the Premier Service program you will be asked to complete a survey conducted by an independent research company. The survey will enable us to document and track our performance and ensure a continued record of superior service that no other company can match. Slide 10: Company Overview Mike was able to locate property for us to build a new home in the Cobb County/Kennesaw area. His knowledge of that area was what we needed to locate the perfect setting.  He also, helped us to negotiate what we felt was a great price and we closed without a hitch. We now have our current home listed with him.   Bob and Roseann Dallas, GA Metro Brokers makes the entire home buying process both easy and enjoyable from start to finish. I now understand what ‘Premier Service’ truly means! New Homeowner What My Customers Are Saying 97% Customer Satisfaction Rating forJanuary 2005 to present. Slide 11: As your Premier Service® provider, I pledge to provide access to goods and services that add value and reduce the stress of buying or selling a home. I fulfill that commitment with the special offers in HomeRewards®. Our trusted HomeRewards partners, successful, independent businesses, are also committed to take care of your needs while you are buying or selling a property ... and, once you’ve moved into your home. Auto Rentals Wireless Services Carpeting Moving Supplies Storage Facilities Home Furnishings and much more ... Company Overview Enjoy the Benefits of HomeRewards® Reduce Stress. Know Who to Trust. Save Time and Money. Slide 12: Company Overview Buying a Home is a Complex Process From specialized market knowledge to mortgage, financing and the closing of the transaction, we provide the luxury of Premier Service®, every step of the way. Slide 13: Company Overview Defining Your Housing Priorities We’ll help define your housing priorities by discussing your specific needs, wants and desires. Then we’ll create an organized plan and timeline for your property search. Our commitment to you is to deliver Premier Service®. Slide 14: Buying a Home Agency Options Buyer’s Agent A buyer’s agent represents you, the buyer, during the home buying process. The agent has a fiduciary responsibility to represent only the home buyer’s best interest in all aspects of the home buying transaction. Seller’s Agent A seller’s agent represents the home seller. They may assist the buyer, but do not represent the buyer and must place the interest of the home seller first. The buyer should not tell the owner’s agent anything the buyer would not want the owner to know because an owner’s agent must disclose to the owner any material information known to the agent. Dual Agent A dual agent represents both the buyer and the seller ethically and honestly and must safeguard the confidentiality of both parties. Slide 15: Buying a Home Working with a Buyer's Agent Listen to the home buyer’s needs, wants and desires and stay within the scope of delegated authority Solely represent the home buyer’s interest in any and all negotiations and transactions involved in the home purchase process Fully disclose all information about the transaction that might affect the home buyer’s best interest Actively work to reduce the final price of the house Keep home buyer’s confidences even after the agency relationship ends Unlike a seller’s agent, or a dual agent, a buyer’s agent has total loyalty to the home buyer and will: Slide 16: Company Overview Advantages of Working with a Buyer's Agent Slide 17: Your Mortgage Payment The amount of mortgage payment you can afford may be limited by your monthly payments on long-term debts (those that will take more than 10-12 months to pay off). The total of your monthly payments on long-term debts PLUS your proposed mortgage payments should not be more than 36% - 40% of your gross monthly income. This percentage is called your ratio. Your lender or I will help you to determine what mortgage payment will work for you. Examples of “Long-Term Debts” Monthly home equity line of credit or loan payment Monthly car payments Monthly revolving credit payments (furniture, appliance loans, etc.) Monthly student loan payments Monthly minimum credit card payments times two Monthly child support payments Financing Your Home How Much Home Can You Afford? Slide 18: Pre-Qualification A lender can normally pre-qualify you for a mortgage in a short 15 - 20 minute phone call. By getting pre-qualified for a mortgage, you will have an idea of the estimated monthly payment and a price range to shop based on the loan size. This information is a guide for you in the home buying process and does not guarantee mortgage approval. Pre-Approval Being pre-approved for a mortgage may afford you more leverage in negotiating the purchase of a home. Mortgage pre-approval requires completing a formal application to the lender, and submission of all the necessary financial and employment documentation. Once the information has been evaluated, verified by the lender’s underwriters and approved, you will be cleared for a loan of a determined amount. This process has been greatly improved and can be accomplished in less time than in previous years. Your home search is now a much more enjoyable experience — you can make your offer with confidence knowing you’re pre-approved! Financing Your Home Financing Your Home Slide 19: Complete loan application Verification of financial, employment information Home appraisal ordered Good faith estimate of closing costs and truth in lending disclosures Loan application evaluation Loan approval and letter of commitment Closing is scheduled Closing is held, signing of documents and funding of loan Disbursement of funds by lender Seller is paid and the home title is transferred to you Documents are recorded at the county office of records Financing Your Home The Mortgage Process Slide 20: Financing Your Home Documents Needed to Apply for a Mortgage Two years of W2’s and one month of pay stubs (if you are salaried) Two years of tax returns and a Year-To-Date Profit and Loss Statement (if you are self-employed) Three months of bank statements for each bank, mutual fund, and/or investment account A current statement from your stock, retirement, and/or 401K statement If you own rental property, provide two years of tax returns and current rental agreements A copy of your divorce decree if applicable If you are not a citizen, provide a copy of the front and back of your green card A copy of your Homeowners Insurance Declaration Page (for refinancing) Slide 21: Finding Your Home Finding Your Home Property Search I will provide information and develop a strategy to insure that you are effectively offered the opportunity to view and evaluate as many relevant properties as possible Property Showing I will show you the properties that meet the criteria you have selected. Property Evaluation/Disclosure I will give you my expert opinion and advice on each property viewed and disclose any defects known to me including any information that might affect your purchase decision. Slide 22: Company Overview Factors Affecting the Price of a Home Depending upon market conditions, it is the starting point from which to negotiate the actual price of a home. The actual market value is determined by what a buyer is willing to pay. The second most important factor in the buyer’s mind is location. The proximity to area amenities and schools is typically a concern. In addition, street traffic, access to expressways and public transportation are considerations. The structural and mechanical integrity, as well as the upkeep and cosmetic appeal of a property affect a home price. Neutral décor, including floor and wall coverings, appliances and fixtures, offer the broadest appeal to buyers. Slide 23: Company Overview Factors Affecting the Price of a Home Interest rates, competition from other properties, the economy and consumer confidence all influence the sale of a home. Each of these factors plays an important role in the ultimate purchase price of a home. An offer to purchase must be tailored in response to market conditions. The terms of a purchase can make or break the contract. House sale contingencies, closing dates, and inclusion of accessories or fixtures should be handled clearly and up front in order to avoid any confusion that could affect the purchase. Slide 24: Finding a Home Making the Offer Offer Preparation I will prepare a Comparative Market Analysis in order to complete a written offer on the property you choose to purchase. In addition to the price we will determine the best terms and closing date that will work for you as well as review with you the seller’s written disclosure statements, if available. Offer Presentation I will present your purchase offer to the seller or the listing associate. and diligently promote your interests Slide 25: Finding a Home Negotiation to Contract Report to you promptly on counter-proposals or counter-offers and advise you on next steps, except when acting as a dual agent. Advise you of all appropriate contract changes/additions for your final written execution of the contract I will discuss and review the best negotiation strategy in order to acquire the property of your choice. I will: Reasons for purchasing a home Urgency to purchase a home Maximum funds available to purchase a home Financing terms you would consider Corporate relocation timeframes and benefits Any personal confidential information To protect your interests, and maintain the strongest negotiating position you should not discuss the following information with potential sellers or other real estate agents: Slide 26: Finding a Home Closing the Transaction Prepare for the Closing I will track the progress of the sale and keep you informed as to your needs and responsibilities every step of the way. Final Walk-through I will accompany you on your final property walk-through prior to closing (if agreed to in the sale contract) and assist you with solving any problems that may be discovered. Closing the Transaction I will work with you and all of the involved parties to ensure that the required and appropriate information is available — facilitating a smooth closing. Slide 27: Whether it’s your home, vacation or investment property, as a member of a network of more than 1,300 GMAC Real Estate offices and over 22,000 Sales Professionals, we are trained and committed to work together to meet all your real estate needs. I can connect you to another equally qualified and dedicated GMAC Real Estate Professional with local expertise and a proven record of success and customer satisfaction. Finding a Home You've Got Agents in 50 States It is all part of the Premier Service® philosophy. GMAC Real Estate Sales Associates acting on your behalf as your Trusted Advisor, Skilled Negotiator and Expert Facilitator.SM Whether it’s you or someone you know, consider me your connection to a satisfying real estate experience. Slide 28: Let’s Get To Work! I’m ready to put Premier Service® to work for you! My Mission To help you find the best house that fits your needs in the time frame you select with the least amount of stress and inconvenience as possible and be the key to a new chapter in you and your family’s lives. Slide 29: And be Sure to: Plan for special care needs of infants and children Empty freezer, plan use of foods Defrost freezer/refrigerator — place charcoal inside to dispel odors Have appliances serviced for moving Clean rugs or clothing before moving; have them wrapped for moving With your mover, check insurance coverage, packing and unpacking labor, arrival day, various shipping papers, method and time of expected payment And on Moving Day: Carry currency, jewelry, and documents yourself or use registered mail Plan for transporting pets Carry traveler’s checks for quick, available funds Let close friends or relatives know route and schedule you will travel, including overnight stops; use them as a message headquarters Double-check closets, drawers, shelves to be sure they are empty Leave all old keys needed by new tenant or owner with agent or Realtor Additional Information Checklist For Family Moving Slide 30: Send Change of Address to: Post Office: give forwarding address Charge accounts, credit cards Subscriptions: notice requires several weeks Relatives and friends Don’t Forget: Bank: transfer funds, arrange check-cashing in new city Insurance: notify new location for coverage: life, health, fire, auto Automobile registration: transfer of car title registration if necessary; also driver’s license, city windshield sticker, motor club membership Utility companies: gas, light, water, telephone, perhaps fuel; get refund of deposits; arrange for immediate service in new location Route deliveries: laundry, newspaper, milk, diapers; changeover of services School records: ask for copies or transfer of children’s records Medical, dental, prescription histories: ask doctor and dentist for referrals, transfer needed prescriptions, eyeglasses, x-rays Church, club, civic organizations: transfer memberships, get letter of introduction Pets: ask about regulations for licenses, vaccinations Additional Information Checklist For Family Moving

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