Your Dream Home Team - PowerPoint PPT Presentation

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Your Dream Home Team. “Representing First Time Home Buyers in Pursuit of Their Dream”. Your Dream Home Team. You are the Chairperson on the Board Choose your board members with care. Dream Home Team Members. Lender – April Horton Realtor – Lela Hankins Inspector – Mike Munyer.

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Your Dream Home Team

“Representing First Time Home Buyers in Pursuit of Their Dream”

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Your Dream Home Team

  • You are the Chairperson on the Board

  • Choose your board members with care

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Dream Home Team Members

Lender – April Horton

Realtor – Lela Hankins

Inspector – Mike Munyer

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Dream Home Team Lender

April Horton

Home Mortgage Consultant

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Why Buy Instead of Rent?

  • Buying a home can be a wise investment

  • Typically, a home increases in value over time.

  • You build ownership interest called equity.

  • Interest paid on home mortgage is usually tax deductible.

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So Where Do I Start?

  • Put together a personal “Dream Home Team” of experts:

    • Realtor

    • Certified Public Accountant

    • Home Inspectors, Escrow, Title, Etc.

    • Home Mortgage Consultant

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What will the Home Mortgage Consultant do for YOU?

  • Explain the process from start to finish

  • Credit

  • Loan Programs & Payments (PITI)

  • Preapproval-Determine Affordability so you can get started!

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How Important is Pre-Approval?

  • We recommend applying for a loan preapproval before you begin your home search.

  • Find out exactly how much home you can afford.

  • Complete the application and credit review stages of the mortgage process.

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How Important is Preapproval? (Continued)

  • You may be asked to provide documents or letters that:

    • Verify income for loan qualification.

    • Confirm down payments and closing costs.

    • Clarify incorrect items on your credit.

    • Verify your debts used to ensure accuracy.

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Now It’s Time For The Next Stage

  • Comfort Level and Trust are key when deciding on your “Dream Home Team”.

    • Find a Lender.

    • Find a Realtor.

    • Find a Home Inspector.

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Dream Home Team Realtor

Lela Hankins

Broker Associate

RE/MAX Professionals

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Our Mutual Objective

  • To Find YOUR Dream Home

    • At the best possible price

    • In the shortest amount of time

    • With the most favorable terms, and

    • With as little hassle as possible

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Where do we find YOUR Dream Home?

  • Homes currently listed for sale in the multiple listing service

  • For sale by owners

  • New Homes

  • Special Marketing Campaign by Buyer’s Agent

  • Homes for sale by friend or acquaintance of buyer

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Buyer’s Agent Professional Commitment to YOU

  • Work with you and your lender to determine your desires, needs and qualifications

  • Show you homes which meet your needs

  • Prepare a Comparative Market Analysis before writing an offer

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Buyer’s Agent Professional Commitment to YOU continued

  • Write the offer and negotiate purchase agreement

  • Point out anything they see which could negatively impact the value of the home

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Buyer’s Agent Professional Commitment to YOU continued

  • Provide you with a list of service providers

  • Handle details during escrow

  • Follow up and “trouble shoot” after close of escrow

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Your Dream Home Team Inspector

Mike Munyer

Peak Property Inspections

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Why is Home Inspection Important?

  • Easton vs. Strassburger

  • No Licensing in California

  • B&P Code is only regulation

  • Look for CREIA or ASHI

  • Gives you Home Maintenance Coach even after you move in!

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A Home Inspection Is…..

  • Generalist’s view

  • Non-invasive physical examination

  • Three to four hours average

  • Provides a computer generated report

  • Determines severity of noted problems

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A Home Inspection Is NOT…

  • Destructive Testing

  • X-ray “leak detection” vision

  • Code Enforcement

  • Appraisal

  • Home Warranty

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Home Inspection Reports

  • Checklist or narrative

  • Include photos

  • May recommend further evaluation

  • Do not use terms such as asbestos, termite or mold

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Dream Home Team

  • Choose your team members wisely based on their experience, your trust and level of comfort with them

  • YOU are always Chairperson on the Board – build your team accordingly.

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