Weichert, Realtors ® Your Key to New Homeownership Offices Across America Invite us in. We’ll bring results. ® Weichert, Realtors ® Preparation leads to success. What we will discuss today: • Your wants and needs • What’s happening in the market • The home buying process – What to expect – How I will work with you • Additional helpful Weichert services • Select homes to buy and start looking ® You Should Know Each WEICHERT® franchised office is independently owned and operated. Weichert® is a federally registered trademark owned by Weichert Co. All other trademarks are the property of their respective owners. REALTOR® is a federally registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORS® and subscribes to its strict Code of Ethics. I will work to get you into your next home – at the best price and terms – as smoothly as possible. Invite us in. We’ll bring results. ® Your Wants and Needs Getting to know you and your wants and needs. • Your most important needs • Your requirements • Location • House style • Amenities • Price range • Others As a Weichert agent, I am committed to getting to know you personally so that I may be of greatest value to you. At this meeting, I’d like to take the time to find out more about you, and what you need and desire in your new home. You Should Know The better I understand your criteria, the more accurately I can select the right homes for you to preview. Invite us in. We’ll bring results. ® What’s Happening in the Market What have you heard about the real estate market? You Should Know Because I monitor local market conditions, you can rely on me to interpret and elaborate on news reports. Invite us in. We’ll bring results. ® What’s Happening in the Market For buyers, the market has changed. Now it’s better. • Increased inventory = More choices for you • Less competition for your dream home • More negotiating power • Historically low interest rates and many innovative financing options available You Should Know There has never been a better opportunity to get your dream home at a price you can afford. Invite us in. We’ll bring results. ® What’s Happening in the Market Interest rates are at or near all-time lows. Average Annual Rate (30-year fixed-rate mortgage)* Percent 17% 15% 13% 11% 9% 7% 5% 3% Year 1981 1984 1987 1990 1993 1996 1999 2002 2005 You Should Know With interest rates near all-time lows, you can buy more house with the same monthly payment. *Source: Freddie Mac. The 2010 figure is computed using the average rate for January – June 2010. Invite us in. We’ll bring results. ® 2010 What’s Happening in the Market Real Estate continues to be a smart investment. You Should Know *NATIONAL ASSOCIATION OF REALTORS® existing home sales historic series 2008. Nationally, over the last 35 years, home values have increased by an average of more than 6% per year*. Invite us in. We’ll bring results. ® What’s Happening in the Market Houses priced right are still selling fast. You Should Know Recent sales in the area indicate that buying your dream home may still require you to act promptly. Invite us in. We’ll bring results. ® What’s Happening in the Market We know the best way to evaluate pricing. You Should Know Our exclusive Price Trend Analysis* is a unique method for helping you determine how much to offer. It will also help you set a price if you’re selling. *The Price Trend Analysis is not an appraisal and should not be considered the equivalent to an appraisal. Invite us in. We’ll bring results. ® The Home Buying Process Your guide for the home buying process. You Should Know Our brochure is filled with helpful information and suggestions for home buyers. Invite us in. We’ll bring results. ® The Home Buying Process An overview of the home buying process. You Should Know I’ll do everything I can to help you every step of the way throughout the home buying process. Invite us in. We’ll bring results. ® The Home Buying Process I’ll negotiate on your behalf. • Knowledgeable about neighborhood sales and market conditions • Expert in presenting your case to the seller • Negotiating in person to strengthen your offer You Should Know When I present your offer, I will make your case in person to increase the likelihood it will be accepted. Invite us in. We’ll bring results. ® The Home Buying Process I am your one-stop source. Draw on my knowledge of the local market for information on any property that is for sale – no matter which company is selling it. You Should Know Calling me will save you time and effort, because I have access to all available properties on the market. Invite us in. We’ll bring results. ® The Home Buying Process My Pledge of Service to you. You Should Know You have my personal commitment to do everything I can to facilitate the process of finding your dream home. Invite us in. We’ll bring results. ® The Home Buying Process As your agent, I can represent you in more than one way. You Should Know This agency disclosure document is created to inform and protect you as the customer. Invite us in. We’ll bring results. ® A Seamless, One-Stop Solution An independent survey commissioned by the National Association of Realtors® proves: One-stop shopping is the best way to buy a home. • Nearly three-quarters of all buyers appreciate the advantages of one-stop shopping: convenience, manageability, and increased efficiency*. • The number of buyers choosing one-stop shopping real estate service has increased 45% since 2002*. • Compared to those who use multiple sources, one-stop shoppers are more than 50% more likely to be completely satisfied with their experience*. You Should Know Unlike many of our competitors, Weichert provides the entire suite of real estate services. *2008 NATIONAL ASSOCIATION OF REALTORS®/Harris Interactive Survey on One-Stop Shopping. Invite us in. We’ll bring results. ® A Seamless, One-Stop Solution I work with a team of professionals to handle all aspects of your home purchase. You Should Know At Weichert, our teamwork can make the entire buying experience seamless for you. Invite us in. We’ll bring results. ® A Seamless, One-Stop Solution Weichert Gold Services ® • Financing options • Quick pre-approval for a mortgage • Insurance • Title *Not available in all areas. You Should Know The Gold Services* Manager on my team offers expert help with mortgage, insurance, title and moving-related services. Invite us in. We’ll bring results. ® Select Homes to Buy Let’s review properties and go find your home! You Should Know From all the available listings in your price range and area, it’s time to decide which ones to see. Invite us in. We’ll bring results. ® Mortgage Access Corp. d/b/a Weichert Financial Services, Executive Offices, 225 Littleton Road, Morris Plains, NJ 07950. 1-800-829-CASH. Licensed by the NJ Dept of Banking and Insurance. Licensed Mortgage Banker with the State Dept of Banking in NY and CT. Licensed by the Pennsylvania Department of Banking, Mortgage Lender 21042. Licensed Lender in AK, AR, DE, MD, D.C., GA, ME, MI, MN, WI, IA, IL, IN, LA, VT, FL, WV, RI, KY, NC, ID, MS, NE, WY, OK,TN, WA. Licensed by the Virginia State Corporation Commission, License #ML105. Licensed Mortgage Lender in the Commonwealth of Massachusetts. License #ML1713, Certificate #43155. Certificate of Authority to transact business in CO, SC. Registered Mortgage Lender in TX. Licensed with the Financial Institutions Division in New Mexico, License # 01297. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. Licensed Mortgage Broker and Lender Ohio. Licensed Loan Broker and Lender Rhode Island. Kansas Licensed Mortgage Company, License #MC.0001229. Licensed by the New Hampshire Banking Department, License # 8714-MB. Licensed Oregon Mortgage Lender License #ML2528. Weichert Financial Services arranges loans with third-party providers. Equal Housing Lender. Invite us in. We’ll bring results. ®