PRE LISTING PACKET JILL MONNAHAN REALTOR LICENSED IN IOWA JILL JILLMONNAHAN COM 319 981 1409 5805 Council St NE Ste A Cedar Rapids IA 52402 1
PRE-LISTING PACKET  JILL MONNAHAN, REALTOR     LICENSED IN IOWA JILL JILLMONNAHAN.COM     319-981-1409 5805 Council St. NE...
PRIVACY STATEMENT I believe that privacy is crucial to the ongoing success of my business as a service commercial and informational medium My policy is to keep the personal information I receive from my customers and clients completely confidential and used solely for internal purposes I will not share your personal information or that of your referrals with any other parties I will not willfully disclose any individually identifiable information about my customers or clients to any third party with the exclusion of the selling broker 2
PRIVACY STATEMENT  I believe that  privacy is crucial to the ongoing success of my business as a service, commercial, and ...
I have designed this book to assist you with the sale of your home I understand the many questions and concerns of home Sellers how this information will be helpful throughout the transaction I assure you that it is my goal to provide you with the most professional and informative service Table of Contents Introduction 4 Profile 5 What You Can Expect 6 The Marketing Plan 7 FAQs 8 Home Selling Process 24 Closing Procedure 26 Home Inspection 27 Thoughts on Condition 29 114 Ways 30 Things that can go wrong 37 How to save you money 40 Documents needed for listing appt 41 Showing Checklist 44 Sample Listing Contract Disclosures 45 Contact Jill at 319 981 1409 or email Jill JillMonnahan com 3
I have designed this book to assist you with the sale of your home. I understand the many questions and concerns of home S...
INTRODUCTION Thank you for giving me the opportunity to present my practice of real estate to you As you review this material you will begin to understand that all real estate agents are not alike Over the years I ve built my business and reputation on doing the very best job for my clients There is no magic gimmick that will get your property sold The truth is the decisions YOU make as a Seller will determine whether your property sells how much is sells for and the time frame it sells in You are 100 in charge of the decisions on the price the condition you have the property in and if it is available for prospective Buyers to see I am in charge of the process It doesn t matter whether it s a Buyer s Market or a Seller s Market there is always fierce competition among the houses on the market for those ever so few Qualified Buyers who are out looking With over 90 of Home Buyer s shopping for their new home on line Sellers need an effective Real Estate Agent or Agents to market to those Buyers and drive traffic to their property by providing an exceptional online presence The manner in which a property is marketed today is much different than it was a decade ago Buyers want the information immediately they want a response within minutes when they request information and they want to see everything they can on line before they decide to set up a private showing It is extremely important that you have an agent that understands how important that job is By using the processes I have had in place for my business and continue to add to my business I feel that I am very qualified at getting that job done I hope you find this packet informative and useful After reviewing the information you may conclude that selling a home is a complicated business That is why it may be in your best interest to hire a Real Estate Professional to represent you I am looking forward to meeting with you to discuss your needs Sincerely Jill Monnahan REALTOR e PRO 4
INTRODUCTION Thank you for giving me the opportunity to present my practice of real estate to you. As you review this mate...
PROFILE Jill is a licensed REALTOR She has been selling real estate in the Greater Cedar Rapids Area and the surrounding communities since 1998 As a top selling agent she has shown she is committed to 100 customer satisfaction As a result of that commitment Jill gets more than 94 of her new clients from satisfied past clients and mortgage lenders Full Time Realtor since 1998 e PRO since 2006 2006 Iowa Realty MVP Cedar Rapids Area Association of Realtors Member Iowa Association of Realtors Member National Association of Realtors Member Cedar Rapids and Marion Chamber of Commerce Member Corporate Relocation Experience Iowa Notary MLS Committee Member 2005 2006 2015 Technology Training Committee Chair 2008 2014 RPAC Committee Member 2010 2012 2013 2014 2015 Cedar Rapids Area Association of Realtors Board of Director 2009 2011 2014 Cedar Rapids Area Association Realtor of the Year 2011 Iowa Realty Affiliation 1998 February 2012 Joined Ruhl and Ruhl Realltors February 2012 Ninja Installation Graduate 2012 2013 2014 2015 Book Buddies Matthew 25 at Taylor School 2012 2013 School Year Ruhl and Ruhl Excellence in Service Recognition 2013 2014 2015 5
PROFILE Jill is a licensed REALTOR  . She has been selling real estate in the Greater Cedar Rapids Area and the surroundin...
WHAT YOU CAN EXPECT Experience dedicated since 1998 in full time Real Estate Sales and have been involved in over 500 transactions Ethical Standards Integrity strict ethical standards Broad Exposure Your property will have an online presence that is professional as well as be accurate and kept up to date Full Time Effort I am a full time Realtor Communication You will hear from me I m available all the time You can call text or email me I will be in touch weekly with how your property s marketing is going and you will hear from a member of my team when feedback is given on your property Knowledge of the Market Daily hands on interaction I m in the market all the time I m showing homes reviewing market statistics and just paying attention to what is selling and what is not Relocation Services I have access to Ruhl and Ruhl s full service relocation department should you need to be referred to an agent in another area or state It is simple Our relocation department consists of a team of highly qualified and trained relocation experts that serve as great liaisons between the agent Seller and relocation company Ruhl and Ruhl has 13 offices in Eastern Iowa Western Illinois and Wisconsin The Best Service Your goals are my goals and you can rest assured that they will be a focus of mine If I could wave a magic wand this is how my business would work All of my listings would get accepted offers in the first 30 days on the market within 97 100 for the Seller s asking price they would have no inspection appraisal or title issues that arise and would close successfully in about 45 to 60 days after my clients accept an offer Where I would then immediately deliver a huge proceeds check to my client and we d celebrate the successful sale and live happily ever after Here s the problem I don t have a magic wand What I do have is the ability and knowledge to obtain market data that will help you make the decision of where to position your home to sell in the marketplace based on the property s condition and in a time frame that meets your needs I also have the tools to market your home in a manner that makes sense today not what made sense in 2010 or before I have the skill set to provide you the service you deserve and am excited to do so I will go above and beyond to provide you the tools you need to for a successful sale I will make sure you have a professional home staging consultation available to you at my expense if you want one I will recommend a pre inspection on your home and will reimburse you for the cost of it at closing I will do my part to effectively market your property to make sure that prospective Buyer s know it is for sale and present it in the best way possible by hiring a professional photographer and hosting a narrated guided slideshow of your property as well as providing professionally printed real estate fliers to be displayed at your property for prospective Buyers to keep For home staging pre inspections professional photos and property flier guidelines please see page 7 for limitations 6
WHAT YOU CAN EXPECT Experience  dedicated since 1998 in full time Real Estate Sales and have been involved in over 500 tra...
The Marketing Plan Prior to Activating the Listing Your Home Provide you with market data that will help you decide where to position your home in the market place for a successful sale in the time frame that you need For listing Contract terms of at least 6 months with your permission I will refer you to a professional home stager for a one hour consultation at my expense I truly feel that the information they can provide you on curb appeal needed painting de cluttering and furniture placement can set your property apart from the competition and provide you yet another way to have a successful sale Pre Inspection Guidelines If you choose to have your home professionally inspected by a whole house inspector prior to listing your property with me and disclose the findings appropriately or make remedies when the sale of your home is complete with me as your listing agent I will personally reimburse you the cost of your whole house inspection up to 300 For homes listed less than 100 000 I will reimburse the cost of your whole house inspection up to 250 Just provide me the paid receipt to keep in my file so that I can reimburse you immediately following the closing of the sale First Two Weeks on the Market Multiple Listing Service MLS with Cedar Rapids Area Association of Realtors Extensive Reputable Web Presence through various social media avenues Realtor com RuhlHomes com and the brokers that are part of the Cedar Rapids Association of Realtors Internet Data Exchange IDX My listings are not syndicated to List Hub Zillow Trulia or Craigslist Professional Photos and Virtual Tour or Narrated Slideshow provided to Realtor com and RuhlHomes com for homes contract listing times of less than 6 months or under 100 000 the photos will not be taken by a professional Cedar Rapids Gazette New Listing Ad in the Sunday paper providing the listing is active before the ad deadline Professional Colored Fliers displayed at your property for those important private showings for homes with contract listing times of less than 6 months the fliers will be colored listing sheets and printed on white copy paper Seller s Property Disclosure if applicable will be displayed on the MLS listing and at your property for prospective Buyers to view Ongoing Marketing Efforts You will be kept up to date on competing property updates and new listings that your property is competing with Your home will be open 24 7 online for prospective Buyers to view the serious Buyers will set up private showings to see your home with their agent We will not be holding traditional open houses on re sale properties Continued Social Media Marketing Showings and Feedback All showings will be scheduled through the showing desk at Ruhl and Ruhl using our BookaShowing System You will receive email notifications of showing requests that allow you to simply click a link and approve the showing If you do not have email that is okay we can always make sure you are called by our showing desk to schedule a showing If you need a certain amount of time for notification of a showing like a 3 or 4 hour notice that is absolutely okay You just have to let me know and I can make sure that the showing desk and other agents are aware of this Not all agents provide feedback but when they do we make sure you know it just as soon as we receive it So if you haven t heard from us on feedback from a showing we promise we aren t keeping it a secret we just don t have any but are diligently trying to get it We just have to accept that it is an agent s right not to provide it if they choose not to Important Questions I have for you and we can discuss these when we meet How do you want us to deal with competing offers on your property if that situation arises When a Buyer Buyer s agent asks us why you are moving selling what can we tell them 7
The Marketing Plan Prior to Activating the Listing Your Home     Provide you with market data that will help you decide wh...
SELLER FAQS There may be some repetitiveness in the questions or answers this is a document that I frequently add to I do this when I run into a problem that made a deal fall apart or questions Sellers have asked me The answers are pretty straight forward and will give you a perspective you may not get from every agent How is this process going to work It is pretty simple I am in charge of the process and you are in charge of the decisions I will provide you with market data and statistics providing you with the tools and information for you to make a knowledgeable decision of where to position your home in the market place to sell I usually do this in a two appointment process and we can discuss the timeline when we meet I typically need a few days to get my homework done If you need it sooner please let me know what your timeline is Positioning your home in the marketplace to sell is your decision You are also in charge of the decision to hire me to be the agent to market your home I of course have a decision as to whether I will take the listing or not but if you are reasonable with positioning your home at the market and not too far above it then it is likely that I will choose to take the listing Once the decision is made that we will be working together to get your home sold I will get the process going I will hire a professional home stager to come in and give you a consultation up to one hour You will decide whether or not you are going to do what the professional stager recommends that you do to get your home sold quickly If you would like to hire the stager to do the actual staging that is up to you Limitations to home staging are on page 7 Next if you decide to hire a home inspector I d really love if that is done prior to me listing your home go ahead and get going on that step anytime After you have your home all ready for showings I will then be ready to activate your listing and get photos taken put a sign in the yard and start the marketing process I Want Need My Home to Sell in 30 Days This is possible you just have to position it properly against the competition You also need to have it 100 ready clean mechanics up to snuff etc However the number one thing is positioning it in the marketplace I will give you your odds of selling in 30 days when I provide you the analysis of the market Is the sales commission negotiable Yes it is however I m not willing to negotiate my commission down this is a fee that Ruhl Ruhl REALTORS charges for their services Sometimes that fee can is negotiated for instance on sales over 300 000 I would consider a commission of 7 on the first 300 000 and 5 on the remaining sale amount Just a quick note on the commission if there is more than one broker involved in the sale the commission is split 4 ways after it is received from the Seller at closing I know that some people think that I get all 7 and the truth is I don t Ruhl Ruhl pays the cooperating broker 50 form the commission collected and then pays me on a percentage based upon my commission split at that time 8
SELLER FAQS  There may be some repetitiveness in the questions or answers, this is a document that I frequently add to. I ...
Do I need an appraisal on my house to sell it You don t need one to list it well sometimes it may be necessary to find the right price if your home is unique generally I can do provide you enough information to help you determine the value range If the comparable sales are limited it may be best for you to have an appraisal done to find a good list price If you choose to have an appraisal done on your home Ruhl and Ruhl will reimburse you for one half of the appraisal cost if you list and sell with Ruhl and Ruhl reimbursement is paid to you within a week or two after closing Whether you choose to have an appraisal done before you list your home the Buyer if getting a mortgage will still have to have an appraisal on your home in order for the bank to loan them money and your home will need to appraise at purchase price or greater in order for the sale to go through That is why it is important to price your home with the market and not above it We Owe More on Our Home than the Comparable Homes are Selling For This a common issue with our values declining so much from 2008 to 2012 and 2013 It is now 2015 and in some areas we are seeing a nice jump in value up to where the homes were in 2008 and 2009 some even higher Just because you owe a certain amount on your home that doesn t mean that is what your house is worth What you feel you need and what the value is are not the always the same If you are in this situation and you do not have the money to pay the difference of what is owed at closing then you should re evaluate your plan to sell right now What is an escrow company An escrow company is a company that takes care of bringing the sale pending file to a close They prepare all the transfer documents as well I have a few options in Cedar Rapids for escrow companies to use River Ridge Escrow Republic Abstract O shea and O shea What is an abstract Should I have mine An abstract is the history of the property noting all recorded documents You may have yours in your possession and if you do make sure it is safe These are very expensive to re create The abstracts are integral in selling your home Be sure you know the location when it is time to list your house Will my house sell at an open house Most likely not serious Buyers will come through with their agent at a private showing You will notice in my marketing plan that I don t do open houses on re sale properties Do I Need to Sell this Home Before Buying Another You might a lender is going to be able to best give you that information If you do need to sell this home first then let s focus on that first Finding another home and not getting your home sold in time to purchase the other home is a drag trust me If you have found another home then you need to check into financing possibilities without selling this home or position this home to sell fast If it doesn t you have to be okay with losing the other home How will I be notified about a showing All showings will be scheduled through our showing desk at Ruhl Ruhl REALTORS You will be contacted by Ruhl Ruhl REALTORS staff directly to set up a showing or after normal business hours and weekends you will be contacted by me Agents should not be contacting you directly 9
Do I need an appraisal on my house to sell it  You don   t need one to list it, well sometimes it may be necessary to find...
Do I need to leave for showings Yes and please be sure the pets leave too if the pets have to be there be sure to have them kenneled if dogs cats be sure to leave a note to leave specific doors open for access to litter box and or food If your cat tends to try to get out be sure you notify me of that and leave a note to not let the cat s out Do I need to turn lights on for showings Yes it is appreciated but don t expect them to be off when you get home unless you leave a note asking the showing agent to turn the lights off they may assume you have another showing after them Should I leave a candle going for showings No I would advise against this Unattended candle flames can cause fires Plus not all Buyers like the same scents I would recommend that you do not use any products that provide a scent If your home is clean it won t stink How clean does my house need to be to have it for sale Extremely clean especially if you want a Buyer to pay top dollar Your home should be updated with all maintenance items tended to Q tip clean and ready to show at ALL times I get this question a lot and every time I think Really I bet when you went to sell or trade in your last car that you had it sparkling and there was no way you were ever going to get anywhere near the money for it that you paid for it but yet you shined it up so that you could get the most money you could for it You probably also had it tuned up and made sure the systems were in check Your house has the ability in some markets to earn you money you better have it sparkling clean and maintained If your pride of ownership shows and you have it priced appropriately the Buyers will be fighting for you property How about my oven stove microwave and refrigerator do they need to be clean too YES Extremely clean The Buyer will look in them especially if they are included in the sale Dried old food is gross Does my yard need to be free of weeds Yes as well as mowed and trimmed to perfection You are selling the largest investment you ve made show how proud you are of it When can I expect to get feedback for showings We send out a feedback request immediately following the showing and every day after the showing until the agent provides the feedback or chooses to not provide feedback Sometimes they don t and that is their right just know that we do what we can to get feedback for you and if you haven t heard from us just know that we don t have any feedback to share Once we do receive feedback we send it to you right away What if the feedback I get is negative Do something about it if you can Sometimes the feedback is an objection that is out of your control If it is within your control it may be a good idea to make the change if it is feasible what can it hurt 10
Do I need to leave for showings  Yes, and please be sure the pets leave too   if the pets have to be there     be sure to ...
How often will my property advertised Your property will be in the CR Gazette for a new listing The majority of the advertising will be done within the MLS and on the internet Broad internet exposure is the key to getting your home the best exposure possible I focus heavily on Social Media advertising I do not put any of my listings on Zillow Trulia or any third party vendor I am not able to control this data and they illegally sell it How long will my house be on the market before we get an offer That depends 100 on the decisions you make about price condition and availability of showings How much will I have to negotiate on the price of my home to get it sold That depends on the decisions you make about price and condition based on the market data I provide yoiu I am happy to supply you with the sold statistics for your market range whenever you request them You will automatically get neighborhood sales and activity delivered via email to you weekly if applicable What if a Buyer comes to my door and wants to see my house I d prefer you give them my phone and ask them to set up a private showing What if another Realtor from a brokerage other than Ruhl Ruhl REALTORS calls me about selling my home Let them know that Jill Monnahan is your agent and direct them to call me at 319 981 1409 What if I get locked out of my house because a showing agent locked a door I didn t expect them to If you don t want something locked like a deadbolt or a chain lock put a note up so that showing agents know not to lock it If you do get locked out I can only access the lock box from 6 00am to 9 30pm daily Best tip have a key made for every different lock on your home and keep them with you Another note if you are missing a key for a door knob lock on your home please change the lock or have a new key made It always seems like that is the lock that creates the issue of being locked out What if a scheduled showing doesn t happen Unfortunately there is nothing we can do about this sometimes Buyers can be rude and not show up for appointments or change their mind at the last minute about what properties they want to see Sometimes the showing agent has enough notice to call and cancel sometimes they don t We just have to get over it and move on How do I know when I should lower my price If your property goes two weeks without showings the market has rejected it it is priced too high If your property gets 8 to 10 showings or more and no offers in the first two weeks the market has rejected it it is priced too high If you get feedback repeatedly that indicates the price is too high then you should consider repositioning it What if a Buyer writes a low offer You need to assess each offer and look at all the points not just the price After you ve assessed the offer you can present a counter offer to the Buyer 11
How often will my property advertised  Your property will be in the CR Gazette for a new listing. The majority of the adve...
How many counter offers can there be It depends There is no limit I like to see one or two counter offers total when this happens it seems to always provide the best outcome for both the Buyer and Seller On a side note depending on the decisions you make prior to listing your home and the decision on price be prepared to negotiate the contract three to four times once at the initial contract once at the inspection once at the appraisal depending on the outcome and once at the final walk through This is why I recommend having your home positioned appropriately in the marketplace not above the market and having all inspections done and having your home in tip top shape What if more than one offer comes in Be happy if that happens The decision is really yours We can notify all parties that there are multiple offers and they will need to put their best offer in You can also choose not to notify all parties and just decide what offer you d like to work with after reviewing both You can only work with one offer at a time so you can only counter or accept one offer not both What happens if my house doesn t appraise at the purchase price You may have to adjust your sales price to meet the appraised value or you house will likely go back on the market as the Buyer typically will only pay appraised value due to limitations with the mortgage lender Do I get to see the appraisal the Buyer s lender had done Not unless it is low and even then you may not see it The listing agent never even gets to see the appraisal or be privy to the appraised value this information belongs to the Buyer Buyers Sellers and Realtors are not supposed to have any communication with the appraiser about the appraisal What happens if there are title problems that need to be cleared up before we can close on the house This does happen and be prepared to help our closers clean up these issues your cooperation is greatly appreciated to clear up your title issues be prepared for extra attorney fees too closing delays that are out of our control I wouldn t stress too much about this However if your mortgage has been transferred multiple times to different mortgage servicing companies the chances of a release not being recorded is high If you have concerns about this you can always elect to have a preliminary abstract extension done prior to selling your home What if I pay child support will that affect the sale Yes be prepared to get in touch with the person you pay child support to Check to see if they will sign a satisfaction that states you are current on your child support payments to the day of closing This is the case even if you ve been done paying child support for 20 years if a full release wasn t prepared at the completion of your court ordered obligation you still need to get it released What if I used to pay child support but do not anymore will that affect the sale It could Please provide me proof of full satisfaction of the child support for evidence This should be filed with the clerk of court in the county you paid child support in 12
How many counter offers can there be  It depends. There is no limit. I like to see one or two counter offers total, when t...
Do I have to be at closing No I take care of all that for you I just have to meet with your prior to the closing to sign the deed and other transfer documents as well as a limited power of attorney that allows me to sign the closing disclosure on your behalf at closing Why hasn t my home sold If your home isn t selling in the time frame you are wanting it to then you should consider repositioning it in the market This goes back to the decisions the Seller makes in regards to price condition and availability will determine the sale of the property Where is my home advertised Your home is advertised online on all of the area broker agent websites that participate in the interned data exchange this is most of them It is also advertised and Realtor com We do not syndicate our listings to Zillow Trulia or other such sites including Craigslist The reason for this is incorrect data and no control to correct it Also if you have your home listed at XXX XXX and Zillow has the Zestimate at 20K less than you have your home listed at that probably is going to work against you Are there any new things that are being called on inspections these days Yes there always seems to be something If you have a CSST Gas Line that is not bonded get it bonded before you sell your home The CSST Gas Line is a gas line that is wrapped in a Yellow Coating This is considered not safe unless it is bonded grounded I have it come up constantly on home inspections It is usually found at the gas line supply for the water heater furnace and gas fireplace or oven range What is a Home Warranty You can choose to list your home with a home warranty to cover the home for the Buyer for one year from the closing date The cost for ranges from mid 400s to 600depending on the coverage and the provider Most Buyers ask for a home warranty in a contract especially if mechanics are more than 3 years old they also ask for it when temps are too low to check the air conditioner during a home inspection The cool thing is if you choose to sell your home with a home warranty as a perk you can pay an additional 60 to have coverage for yourself during the listing period The coverage is all spelled out in each provider s brochure that was included in the email that this came to you in or at the back of this pre list packet If you didn t get this information please let me know and I will get it to you If the sales contract becomes null and void who gets the earnest money It depends on the variables of why the contract is null and void Typically the earnest money is protected by the contingencies you put in the offer If you find out that you cannot get a mortgage within the timeline of the contingency date for loan commitment your earnest money is protected If the property doesn t appraise at purchase price or greater within the contingency timeline for the appraisal and the contract is voided the earnest money should be yours If a Buyer requests inspection repairs that are not considered major costing over 500 and up or structure safety issues and the Seller chooses not to make such repairs the earnest money may be in contention If there are defects that are major and the Seller doesn t agree to remedy 100 and the Buyer doesn t accept the Seller s remedy response per the contract the Buyer can make the offer null and void and have 100 of the earnest money returned to them There is a process to release the earnest money and both the Buyer and the Seller must agree upon what happens to this earnest money If no agreement can be made the earnest money is held in the listing Brokers trust account court could be in the future or if neither party seeks litigation the Broker holding the earnest money will most likely make a decision on the outcome of the earnest money six months or so after the contract is voided 13
Do I have to be at closing  No, I take care of all that for you. I just have to meet with your prior to the closing to sig...
If our floors or carpets are damaged or stained anywhere should we disclose this If the stains or damage is under furniture and not visible yes you should disclose it and be specific I use this as a rule of thumb if you were the Buyer would you want to know Tobacco Smoke okay or not okay It is not a good idea to smoke inside your home or your garage or outside near any doors The smell sticks and is a huge turnoff to a large percentage of Buyers What is Orangeburg Sewer Line Well first of all it is NOT orange Orangeburg pipe is a type of pipe that was commonly used from around 1950 to around 1970 It is a paper tape type pipe impregnated with tar and pressed together It is susceptible to damage by tree roots and has a tendency to collapse with age The Building Department can pull plumbing permits and check date of service line installation if a permit was acquired for sewer work at a property Neither the Building Department nor Sewer Maintenance will have type of material used or how much was replaced To determine if you have Orangeburg you could have the service line televised by a plumber or have the line dug up and exposed I have a Septic System what is the law A DNR inspection showing that your septic system is up to code and working properly is required by law before you can transfer title to the new owner That inspection cannot be older than 24 months Most state licensed inspection companies will not do inspections in inclement weather so if you have a septic system you should plan to have it inspected between May and November prior to listing your property for sale What if my home inspection results in a long list of repairs requested by the Buyer My goal is for this not to happen I provide detailed instruction and suggestions on how to help you sail through inspections The best thing to do is to have your home inspected before we list your property and make the repairs that are needed What if my pet has had accidents in our home Ideally should plan on replacing the carpet but I realize sometimes that isn t feasible There are companies that will use a product that with break down the urine even in the sub floor you could have that done Or just ask yourself if you would you be happy if you laid down on the carpet of your new home that the previous owner s pet had urinated on Me either Also it is quite possible that the Buyer could have a special light test done during the inspection period If pet stains are found it is likely that your pet s accident could soil your deal If you cannot afford to put in new carpeting you should consider pricing the home accordingly The days of credits for a carpet allowance are have kind of gone away Every penny going into a transaction and out of a transaction has to be documented and a Buyer cannot get cash at closing that is beyond the amount of the earnest money or other money they ve paid into the lender prior to the settlement of the sale Should I keep my yard clear of dog waste Yes if you don t you could end up with dog waste being tracked on your sidewalks or in your home inadvertently the Buyers and Agents looking at your home may not be aware you have a pet until it is too late 14
If our floors or carpets are damaged or stained anywhere, should we disclose this  If the stains or damage is under furnit...
Yard Keep it trimmed and shrubs manicured as well as weeds under control and trimmed Take care of any trees that need trimmed as well Take care of all of this prior to listing your home and keep it up while you have it listed If you need a company to take care of the lawn just ask me for a list of lawn contractors Be sure your gutters are kept clean and leaves are raked and sticks picked up Snow Removal Occupied or Vacant as a homeowner it is your responsibility to keep your walks clear of snow and ice during the winter months the driveway too If you do not live local ask me for a list of snow removal companies that you can hire to care of the property whenever it snows How clean does my home need to be Real Clean Now is the time to clean the grime get that oven shiny on the inside and out Polish everything Your home needs to be cleaner than ever and it needs to stay that way Spotlessly clean houses sell faster Windows Not brand new That s okay just make sure they are in good condition The glazing needs to be in good shape not chipping off If the glazing is bad it is simple re glaze them Clean them real good inside and out make them sparkle Chipping Paint If so plan to scrape and paint it if you want to see a sold sign Buyers want to buy homes that have been maintained peeling chipping paint is a sign of lack of maintenance My wall colors are not a neutral color should we repaint It would be my recommendation that all the walls are painted the same neutral color white gray cream taupe beige I know you may think that a Buyer can paint themselves but the fact of the matter is if a Buyer doesn t like what they see online they will never give your home a second look online or set up a private showing Even if you paint it 3 weeks after your photos have been taken and we take new photos the Buyer has already dismissed it and moved on to other homes Today s Buyer also does not want to do any work and painting colored walls or removing wallpaper is what a Buyer considers as work time and money that they would be putting into a home that the Seller wants top dollar for and you aren t selling a house that needs work are you My floor coverings and lighting are dated should we replace Are you wanting your home to sell in the range of other homes that have newer floor coverings and lighthing If so then you should definitely consider making the change If the floor coverings are more than 10 years old they are dated and probably worn unless they are wood or tile they probably need replaced Wood floors may need refinished if they ve lost their luster and your tile grout may need some serious cleaning to freshen it up Lighting if you have flower decals on your lighting or any brass do yourselves a favor and replace them Lighting is one of the least expensive things to give your home a fresh look Put some awesome bright lightbulbs in your lighting too not the ones that take a minute or two to get bright You don t have a minute or two when a Buyer is looking at your home when they turn a light on it needs to be bright instantly 15
Yard  Keep it trimmed and shrubs manicured as well as weeds under control and trimmed. Take care of any trees that need tr...
My countertops are old dated and not in great condition should we replace them Yes if you want your house to sell at the top of the market it is competing in you should definitely replace your counter tops and vanity tops if they are dated or in less than good condition You may just need to freshen up your bathroom faucet to give a fresh new look to your vanities I have brass cabinet pulls should I replace Absolutely this dates your home remember you want to get the best possible price and anything dated in your home is going to work against you getting the best possible price My cabinets are old do they need replaced too If your cabinets are clean operating properly and not falling off the walls or the doors off their hinges and your drawers all work properly no you don t need to replace them If they are painted and the paint is chipping it would be wise to repaint them Sidewalk and Driveway cracked or lifted and shifted This is home maintenance it s simple have it fixed before you list Sometimes it just involved mud jacking not complete replacement Home inspectors point out trip hazards to Buyers get those trip hazards fixed Sometimes it is just a matter of adding some asphalt too Inside Temperature of my home if it is not occupied Your home s temperature should be at comfortable temperatures and the humidity should be relative If your home is too humid in the summer on the inside you will likely be dealing with mildew issues especially in the basement In the winter if it is too dry you will be dealing with walls cracking because the wood is drying out Note replace your thermostat batteries regularly My home is vacant do I need to check on it regularly Yes you do need to check on your home If you do not live in the area you should contact a family member or a neighbor that can help you out with checking on the home regularly Ruhl Ruhl and myself are not responsible for your home while it is listed you still need to maintain your home Some showing agents may forget to turn a light off or have difficulty with tricky locks So make sure that your locks all work smoothly and that if you have switches that are hard to locate leave a note for the agents Water If your home is not occupied it is best to have your home winterized in the winter months for sure keep in mind you will need to have it de winterized for a whole house inspection appraisal and prior to closing My windows are so hard to clean I recognize that sometimes this is the case so will Buyers if your windows are dirty when they look at your home let s not deter them My windows aren t in the best condition If you realize this so will the Buyer In fact windows are one of the first things a Buyer will look at Take the measures to get them in good condition you want the best price for your house so you need to provide the best product Your home isn t a new home so new windows are not expected they probably do not need replaced they likely need re glazed or cracked glass replaced and any rotting wood on the window or the trim inside or out replaced You can actually watch Youtube videos on how to reglaze windows and there are companies that will do this too This is normal home maintenance that is expected of property owners 16
My countertops are old, dated and not in great condition, should we replace them  Yes, if you want your house to sell at t...
My furnace and central air haven t been serviced in a while If awhile is longer than a year you may has well have it done before you list it this is yearly maintenance to keep your mechanics in good working order you d be doing this if you weren t selling right Some of my outlets or light switches don t work or I have no idea what they are for been that way since we bought our home I d probably fix the ones that don t work and eliminate the switches that you have no idea what they do no one will wonder then We don t have smoke detectors in all of our bedrooms and on each floor For the safety of your family you should probably get those installed It will also likely come up on an inspection report Radon what is it How do I know if I have it How the heck do we get rid of it and will a Buyer even care What else can you tell me about it It s an odorless gas that comes from the ground that is the 2nd leading cause of lung cancer You can have it tested by a state licensed radon measurement specialist for about 150 or less If your levels are 4 pCi L or higher the EPA says that isn t safe and you need to fix it so the levels are below 4 pCi L There are state certified mitigators that install a radon mitigation system in your home Yes a Buyer will care It is a law that the Buyer has to be provided a radon fact sheet before buying any property doesn t matter if a Realtor is involved or not You can have your home inspected prior to listing it and make remedies as needed A Buyer may still choose to have their own radon test done on your home Tips seal up your sump pump so that no radon gas can escape through the pit and into your home Seal up any cracks in your basement floor or foundation walls that radon gas can slip through Simple Silicone sealer will do the trick Once you ve sealed up your home have a test done If your levels are still too high then you should put a system in Roof Condition if it s going to need replaced in 3 years or less plan to replace it now or you may be doing it later just to get your deal closed Not just home inspectors bring up roof concerns appraisers do too What is Absorption Rate Pricing Absorption rate pricing is pricing your home based upon the rate and range that similar homes are selling based upon a recent time frame There are only a certain number of houses that will sell in any given market in any given period of time and not all houses sell Part of the market data I provide you is the absorption rate What if my house sells right away with a full price offer I ll be happy won t you The only thing this indicates is that you priced it properly and prepared it for the market place and that it was the best valued home for sale What if it doesn t sell right away You should consider re positioning it or reflect back on the market conditions that I provided you when I gave you your market analysis and any updates that we emailed you during your listing period 17
My furnace and central air haven   t been serviced in a while  If    awhile    is longer than a year, you may has well hav...
Does it stay or does it go If you plan to reserve any item attached to your home or appliances and any other item listed on the disclosure disclose it TV Mounts if you say you are going to leave the mount will you also be leaving the bracket that goes on the TV Just clarify any details on the disclosure or let me know and we can make sure your details about inclusions or exclusions are provided to prospective Buyers If you have to use a tool to remove something from a wall ceiling it is considered real property it is fixed and attached and is included in the sale unless you note otherwise What is the negotiating going to be like I wish I could tell you that decision is your s and it seems that everyone negotiates differently The most effective negotiating is collaborative In order to have collaborative negotiating you need to first have your home positioned at the market and not above it Buyers are so smart they know the value of the homes that are on the market and you will too if you are buying a home Most Buyers will pay top dollar for a home in exceptional condition but they won t pay more than the market will bear Unfortunately so many home owners have a perceived value of their home that is unrealistic it makes sense too how can you put a price on the memories you ve made in your home and you remember writing every check for every improvement The Buyer really doesn t care about those things and you won t either when you go to buy a new home The Buyer is going to look at numbers the sale prices of other comparable homes and the other homes competing with your house The Buyer will also lean a little on the emotional end how does your house make them feel is it clean Well maintained or will there be a to do list when they move in just to get it up to snuff maintenance wise They will likely give you an offer closer to your asking price if you have taken care of all those to do items and have your home sparkling clean inside and out If you don t have your home in tip top condition then you likely will see an offer 5 10 under your asking price maybe even more So how do you best negotiate Avoid making emotional decisions you need to detach from your home once there is a sign in the yard you need to detach If there is a low ball offer even though you are disappointed always make a counter offer Be conscious of the fact that it s not only about price there are other terms that can be equally important to both you and the Buyer If you are having difficulty coming to an agreement on one issue it s possible that a concession on another topic will help cement the deal Determine what type of market you are competing in is it a Buyer s or Seller s market when an offer comes in Move quickly when an offer comes in address it in a timely fashion keep the momentum going so that the Buyer doesn t have time to lose interest In the end you want the transaction to be a positive experience for everyone a Win Win for both parties If you have the mentality of I win they lose it will not be a very fun transaction let s play nice together 18
Does it stay or does it go  If you plan to reserve any item attached to your home or appliances  and any other item listed...
How Do Subject to Sale Offers Work Personally I am not a fan of subject to sale contingencies I am a firm believer that you get your home sold or get bridge financing if you cannot pay cash and then you shop for your new home It is much less stressful on you if you are the Buyer If you are the Seller you may not be happy with the outcome of a subject to sale contingency either Note on subject to sale contingencies for a Buyer Foreclosure companies and Relocation companies will not even look at an offer with a subject to sale contingency so keep that in mind So here is how a subject to sale works Typically a Buyer and Seller negotiate a Subject to Sale Hour Clause Addendum if the Seller is even wiling to work with a subject to sale contingency some are not What this addendum does is adds terms to the accepted contract Those terms are simply put that the Seller will continue to market their property and actively try to sell it to someone else The Buyer and Seller agree upon a timeline that the Buyer must get an accepted offer on their property If they are unable to get an accepted offer on their property by that timeline then the offer is null and void and the earnest money is returned to the Buyer That timeline is negotiable sometimes it is 30 days 45 days 60 day 90 days it is something the Buyer and Seller must agree upon If during that timeline that the Buyer is trying to sell their property and the Seller gets another offer the Seller can negotiate that second offer BUT MUST put a contingency on it that once accepted it is subject to getting a full release from the first Buyer within a specific amount of time after they give the first Buyer written notice of needing to release the subject to sale contingency and addendum That specific amount of time is negotiated on the Subject to Sale Hour Clause Addendum Sometimes that amount of time is Zero Hours sometimes it is 12 24 48 or 72 it all depends on what the first Buyer and the Seller negotiate in the contract At that point that the Sellers gives the first Buyer written notification that they need to release the subject to sale contingency the first Buyer has options 1st get their home sold in that prescribed amount of time 2nd get a bridge loan or pay cash for the home either of those options will require some sort of formal letter head form a lender or a personal banker noting that the sale is no longer subject to their current home closing and that the first Buyer has funds available tor bridge financing approved to purchase the Seller s property WITHOUT closing on their current home 3rd the first Buyer if unable to do either of the two previously mentioned options will need to give the Seller notification that they are unable to perform and are cancelling the contract and will get 100 of their earnest money returned to them The first Buyer will not get reimbursed for any other funds that they may have invested into purchasing the home e g appraisal inspections etc Here is something else I d like to explain the second Buyer s offer may actually be higher than the first Buyer s offer OR may offer better terms regardless of what the second Buyer and Seller negotiate if the first Buyer is able to get their home sold or finance the Seller s home without selling their current property and perform as agreed upon within that prescribed amount of time the contract with the first Buyer stands as written it is not re negotiable in terms of price or terms at that point Now you may get to the inspection period and there may be negotiations as a result of that but that has nothing to do with the second contract another reason I think having a home pre inspected is important so as to not renegotiate after the contract has been accepted 19
How Do Subject to Sale Offers Work  Personally, I am not a fan of subject to sale contingencies. I am a firm believer that...
I just want to make sure that is completely understood and if you don t understand it let me know so that I can discuss some scenarios with you There are some other legalities and ethics that come along with these subject to sale contingencies Prospective Buyers looking at the home that has the Subject to Sale Hour Clause addendum on it should be told prior to looking at the home They do not have to be but ethically it is the right thing to do and that is how I handle these if you are the Seller and you absolutely DO NOT want me to share the hour clause status of your home you need to tell me that otherwise I will be notifying all agents showing your home or prospective Buyers of the existence of an hour clause If you are the Seller you need to let me know whether or not you want the first Buyer to be notified of any interest in your property not showings but actual serious interest If an agent reaches out to me that they think their client is going to write an offer on your home would you want me to share that with the first Buyer or would you not want me to You need to let me know that Of course once you accept another offer you do need to notify the first Buyer per the contract It is also very important to explain that more times than none someone is less than happy at the end of a Subject to Sale Hour Clause Agreement and here s why The first Buyer may be able to release the contingency and perform on the already agreed upon contract the second Buyer is usually disappointed when this happens The first Buyer may be able to release the contingency and perform on the already agreed upon contract even if the second Buyer s offer is for more money or offered better terms in this instance the Seller and the second Buyer are usually disappointed The first Buyer may not be able to find alternate financing or get their home sold in this instance the first Buyer will likely be disappointed and maybe even the Seller because they actually would prefer that offer you just never know I just like to prepare everyone for different outcomes of these situations If you do not like any of the outcomes that are possible then don t get in one of these agreements If you are the first Buyer make sure you line up alternate financing if you are able to If you have alternate financing lined up you don t have to release the subject to sale contingency unless you want to but at least you d have the option if the situation presented itself 20
I just want to make sure that is completely understood and if you don t understand it - let me know so that I can discuss ...
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Cut and Dry what is the best way to get my home sold for the best price in the shortest amount of time with the most favorable terms That s easy 1 Clear the clutter 2 Do a thorough cleaning of your home inside and out and keep it that way 3 Keep your entire property in check yard gutters garage house 4 Have your home pre inspected including radon 5 Do what the stager tells you to do 6 Fill out your disclosure with as much detail as possible 7 Remedy any deficiencies 8 Price your home properly compelling pricing is best price it better than your competition because if it is your competition it isn t sold yet because of the price You need to be the best value Buyers buy the best valued properties 9 Don t have unrealistic expectations Your home may be nice and well maintained but the market will only bear what it will bear Make your home available and SPARKLE for every showing Remember that my motivation to sell your home is a direct reflection of your motivation to sell your home we are working together for a positive outcome I am in charge of the process YOU are in charge of the decisions 22
Cut and Dry     what is the best way to get my home sold for the best price in the shortest amount of time with the most f...
If you have any questions that weren t already answered this is a great place to jot them down ___________________________________________________________________ ___________________________________________________________________ ___________________________________________________________________ ___________________________________________________________________ ___________________________________________________________________ ___________________________________________________________________ ___________________________________________________________________ ___________________________________________________________________ ___________________________________________________________________ ___________________________________________________________________ ___________________________________________________________________ ___________________________________________________________________ ___________________________________________________________________ 23
If you have any questions that weren   t already answered - this is a great place to jot them down   _____________________...
Home Selling Process Consultation to Analyze needs Establish a working relationship Sign listing agreement Prepare your home for sale staging home inspection Pro Active Marketing by Ruhl Ruhl Realtors MLS Internet Fliers Gazette Social Media Showings Offer Received with earnest money Review offer and counter if neccessary Acceptance of Contract Inspections and other contingencies according to contract 24
Home Selling Process Consultation to Analyze needs  Establish a working relationship. Sign listing agreement  Prepare your...
Closing Process Mortgage Application Offer to Lender Appraisal Employment Verification Underwriting Rejection or Approval with Conditions Abstract Extension Buyer and Seller Lien Searches Attorney s Title Opinion Deed Preparation Review Settlement Statement Closing 25
Closing Process Mortgage Application Offer to Lender  Appraisal  Employment Verification  Underwriting Rejection or Approv...
During the Closing Procedure Once a sales contract is signed by all parties an escrow company and I will handle all the details and keep you informed of the progress and if there are title issues your help may be required to clear title There is a fee for using an escrow company and that is usually about 250 to 400 depending on what company you choose to use That fee does not include the fee for the abstracting deed preparation overnighting wire fees or miscellaneous attorney fees or extra document preparation fees Everything is done to ensure your home closes on time and without problems Real estate transactions need a lot of time and attention let a professional escrow company take care of those details for you At closing you will be charged a fee for the professional services provided The commission rate charged by RuhlandRuhl REALTORS is 7 of the sale price covering marketing and sales managing fees and 3 5 of that fee will be paid to a cooperating broker involved in the sale NOTE While we do everything we can to make sure your closing is not delayed there have been recent changes in mortgages that the federal government has implemented Closing dates may be moving targets You should expect delays that are out of our control This may get quite frustrating please know that even the Buyer will be frustrated and there is nothing anyone can do about guideline changes at mortgage companies mid transaction Title opinion problems may also cause delays please be prepared for the possibility of financing or title opinion delays that may affect your moving plans If you will need a few days to get out of your home please let me know and we can put in the agent remarks in the listing that possession will be given within 48 hours after closing time This must be negotiated in the purchase contract APPRAISALS Appraisers have been under a lot of scrutiny by our federal government It is very important that we only look at comparables that have sold in the last 6 months while doing your CMA It seems to be a common occurrence that appraisals are coming low so pricing your home within the market range noted on the CMA is crucial Be prepared for an appraisal to come in lower than the sales price as it is a possibility and the Buyer will most likely not be able to obtain a loan unless the sales price is adjusted 26
During the Closing Procedure  Once a sales contract is signed by all parties, an escrow company and I will handle all the ...
AFTER SELLING YOUR HOME THE HOME INSPECTION Many buyers choose to have Home Inspections at their expense when purchasing their new home In fact many offers are subject to having a home inspection By having a home inspection the home s vital systems are checked A home inspection allows you to sell your home with confidence The buyers will schedule a whole house inspection shortly after the contract is ratified You will be contacted to let you know when the inspection will take place The inspection will normally take anywhere from 1 5 to 3 hours This is also a good time for the buyer to bring in any family members that would like to see the house The buyer s agent will usually be present during the last half hour or so of the inspection Within the agreed upon time frame stated in the contract the buyer s agent will provide me with a repair addendum that will detail the requested repairs credits I will contact you to discuss the requests and we will then negotiate the addendum You and the Buyer will have a prescribed time to negotiate the requests after receiving them in writing Items on your inspection report will include Foundations Basements Structures Basement floors walls proper drainage ventilation evidence of water seepage Exterior Siding Windows Doors Roof and Gutters Exterior walls windows and doors porches decks balconies garage roof type material condition of gutters and downspouts Interior Plumbing System Hot cold water system the waste system sewage disposal water pressure flow and hot water equipment Electrical System Type of service the number of circuits type of protection outlet grounding load balance Central Heating Cooling Systems Energy source type of cooling equipment capacity and distribution Interior Walls Ceilings Floors Windows and Doors Walls floors ceilings stairways cabinets and countertops Attic Structural insulation ventilation information Fireplace Notes about the chimney damper and masonry Garage Doors walls floor opener make sure your safety mechanisms on the door and the eyes work Appliances Includes a wide range of built in other home appliances as well as smoke detectors Lot Landscaping Ground slope away from foundation condition of walks steps and driveway 27
AFTER SELLING YOUR HOME  THE HOME INSPECTION Many buyers choose to have Home Inspections at their expense when purchasing ...
Want to avoid inspection issues Consider a Home Inspection before you list your home for sale Some sellers wonder why they should conduct pre sale inspections Won t the buyers want to hire their own inspectors What if an inspection uncovers defects that you have to disclose Wouldn t it be better to wait to have inspections done until after the buyers have committed to buying the property HOME SELLER TIP The main reason home sale transactions fall apart is because of defects discovered during the buyer s inspections Buyers often try to renegotiate the price after they receive their inspection reports Their argument is that they weren t aware of the problems when they made their offer By ordering inspections before you market your home you decrease the odds that you ll have a failed transaction due to inspection related issues Buyers can evaluate pre sale reports and take the information into account before they make an offer Another reason to have your home pre inspected is that it gives you a better understanding of the issues that could affect the sale You can then decide if you want to make repairs before marketing your home Even if you decide not to make repairs you will have a much better idea of how much you ll net from the sale I can make a list of Sellers that wish they would have known they had issues with their roof electrical system or radon levels way before they negotiated on an offer I highly recommend you have your home inspected prior to listing your home radon inspection too I feel so strongly about this that so long as you agree to list your home with me and have your home professionally inspected by the inspector of your choice make necessary repairs of major defects or price your home accordingly if you choose not to make the repairs to major defects at the time of closing a pending transaction with me as your listing agent I will reimburse you for your whole house inspection cost I have a list of inspectors I can recommend just ask me Or go here http bit ly houseinspector 28
Want to avoid inspection issues  Consider a Home Inspection before you list your home for sale Some sellers wonder why the...
SOME THOUGHTS ON CONDITION Of all the things homeowners control when selling their home the condition of the property is one of the most important A crucial part of marketing any product is the presentation of the product Corporations and retail businesses understand this concept and pay millions of dollars each year to advertising and marketing consultants to get the best advice possible The same is true for houses In order to effectively compete with other sellers homeowners must present their homes to the marketplace in an attractive desirable condition When you bought your home you probably comparison shopped Well buyers are still doing that today According to the National Association of Realtors the average purchaser looks at 10 to 20 properties prior to purchasing a home Regardless of how many properties are on the market available buyers will always seek the best priced property that is in the best condition THINK LIKE A BUYER You are not just selling a house You are selling a shelter lifestyle and dreams People always want the best for themselves and your home should represent the buyer s answer to this goal Put yourself in the buyer s shoes Remember they arrive at your front door wanting to find the right home Don t make them search somewhere else for it If you have done your homework every room in your home will create a desire for the buyer to stay START MAKING A LIST Walk outside and take a look at the property through the critical eyes of a buyer Is there anything that needs painting repairing looks worn or is outdated Get up on your roof know its condition Start writing these items down on your list Walk through the interior and do the same things Ask for the assistance of everyone in your family After all a shorter sales time will benefit everybody in the family DO EVERYTHING BEFORE PUTTING YOUR HOME ON THE MARKET Complete all your repairs improvements and enhancements prior to your first showing Remember your best showings come early in the listing period Be ready 29
SOME THOUGHTS ON CONDITION Of all the things homeowners control when selling their home, the condition of the property is ...
114 WAYS TO SUCCESSFULLY SELL YOUR HOME FOR THE HIGHEST PRICE IN THE SHORTEST TIME Selling a home today is different than it was five years ago Today s buyer wants a home that is in move in condition and they will walk away from a home that does not show well or is in poor condition just as fast as they will walk away from an overpriced property There is a saying in the real estate industry that you never get a chance at the buyer of a lifetime In many instances it is hard to look at your house objectively because it s your home but a Realtor is trained to do just that We hope that these 110 ways will get you the sale that you are looking for Exterior Landscaping 1 Plan ahead and plant grass seed where needed as the lawn can be a real turnoff or a turn on 2 it s a good idea to prune away any trees that distract from the view of your home Pruning low limbs on trees can make a major difference 3 Clean up everything Make sure that any debris or broken fence parts bricks yard lights and mail boxes are in good repair 4 Remove any dead or dying shrubs and replace them with fresh ones 5 Put new mulch in the flowerbeds around shrubbery and the base of trees 6 Make sure that all walkways are cleaned and in good repair 7 If you don t know what to do hire a landscaping company to evaluate your property and give you a plan 8 Make sure that all exterior lighting works properly 9 Keep your lawn cut and neatly trimmed 10 Use large pots of flowers or green plants on the deck or the front porch 11 Hanging plants can also create a favorable impression 12 Repair cracks and damages in the driveway and in some instances it s a good idea to have an asphalt driveway resealed before showing 13 If your home is going to be marketed during the winter months when ice could be a problem it s important that you keep driveways and walkways cleaned and safe 30
114 WAYS TO SUCCESSFULLY SELL YOUR HOME FOR THE HIGHEST PRICE IN THE SHORTEST TIME Selling a home today is different than ...
Exterior of the buildings 14 Repair and replace any broken or rotted trim and siding 15 Paint everything that needs painting Most people prefer to buy a home that is in good repair and ready to move in A home which needs to be painted is a real turnoff especially if there are other homes from which to choose 16 Replace any missing shingles from the roof 17 Clean repair and replace any gutters and downspouts that are defective 18 Invest in a new doormat 19 Check all screens and storm windows to make sure they are in good repair 20 Consider power washing the exterior and the walkways decks driveways etc 21 Paint the mailbox and the post 22 it s important to create an outdoor room as it makes a house feel like home You can do this effectively by covering a picnic table with a vinyl tablecloth an arrangement of silk flowers and a few plastic plates and flatware This could be created on a screened in porch deck or in the rear yard 23 Placing a potted plant on a front porch or stoop can make a positive impact on a person s first impression Take care to make sure it s a positive reflection of your home 24 Have the windows and windowsills cleaned inside and out 25 Paint everything that is in question INTERIOR 26 Clean all the carpets and replace those that are worn or stained beyond cleaning 27 Remove any dated items such as wallpaper carpets light fixtures etc If you re not certain about what to do consider using the services of an interior decorator or professional organizer to help you make the right choices It s a good idea to use someone who is involved in the new homes industry as they are more in tune with what people are looking for in a home 28 be very careful about selecting paint colors wallpaper and carpets if you decide to fix it up Many buyers have a hard time looking beyond bold colors on the floor or on the walls The idea is to get the home as close to neutral as possible and you can do this by using neutral tones 29 Repair any dings in the trim or cabinets Hardware stores have a variety of new products that can make this job easy and fun 30 Replace any hardware like doorstops hinges doorknobs shower rods faucets and switch guards that have become worn discolored or damaged 31 Clean all the windows inside and out including the skylights 31
Exterior of the buildings 14. Repair and replace any broken or rotted trim and siding. 15. Paint everything that needs pai...
32 Make sure that all light fixtures are clean and in working order the same goes for electrical outlets 33 Repair and or replace any plumbing fixtures that are defective 34 One of the most important things that you can do is to make sure that the home is immaculate and stays that way Many homeowners use the services of a professional cleaning service to get the home ready and to keep it in ready to show condition during the selling process 35 The idea is to make every area of the house sparkle and shine SPACE MANAGEMENT 36 It is important that all clutter be removed from every room and every closet 37 Remove all of the boxes and clothes from the closets that are not going to be needed during the showing process 38 It may be a good idea to rent a storage space to store all of the items that are in the way Don t store them in the attic or garage as they still are a problem 39 Pack up all of your collectables to both protect them and to give the rooms a more spacious feeling and appearance 40 Leave just enough accessories to give the home a personal touch but not so many that they become a distraction 41 Use light to make the home appear more spacious 42 Take time to open the drapes and blinds 43 Make sure that all the lights throughout the house are on before a showing ROOM ANALYSIS The Front Entry this is the area that forms the first impression of the house and it really needs your attention 44 Make sure that the entry is in as near perfect condition as possible 45 The front door should be freshly painted 46 If the doorknob and locks are not bright and shiny they need to be replaced 47 Well placed and carefully chosen mirrors and rugs add to the appearance of any foyer or entry area 48 Remove any off season clothing or other items from the entry hall closet that can be stored elsewhere 49 Remove any musty odor by adding a bag of cedar chips or some other fresh scent 50 Put a fresh coat of paint in the entry closet to brighten it 51 Water container plants flowers Replace if necessary 52 Dust entry table or shelves 32
32. Make sure that all light fixtures are clean and in working order the same goes for electrical outlets. 33. Repair and ...
THE LIVING ROOM FAMILY ROOM 53 Dust surfaces including TV screen 54 Straighten coffee table bookshelves and other areas 55 Stow away newspapers magazines books games toys and videos 56 Vacuum rugs or mop floor 57 Vacuum upholstered furniture wipe down leather or vinyl 58 Sweep fireplace 59 Wipe down ceiling fan blades 60 Water houseplants 70 Purchase trendy new throw pillows and d cor items keep it simple and fun THE KITCHEN 61 Mop or vacuum floor 62 Clean appliances Yes that includes the inside of the microwave oven and refrigerator 63 Avoid clutter Clear items from countertops and cabinets 64 Wipe countertops and cabinets 65 Clean sink 66 Stow away kitchen sponge and dish towels 67 Open windows or run fan to remove cooking odors 68 Lose the magnets all of them 69 Clean off the top of the refrigerator 33
THE LIVING ROOM FAMILY ROOM 53. Dust surfaces  including TV screen . 54. Straighten coffee table, bookshelves, and other a...
THE DINING ROOM 70 Visually imagine a large dining area 71 Remove extra company chairs 72 Take one or two leaves out of the dining table 73 Add fresh or silk flowers as a centerpiece on your dining table THE HOME OFFICE 74 Dust surfaces including computer screen 75 Stow away files preferably off site 76 Mop floor or vacuum rugs 77 Polish cabinets and woodwork 78 Straighten desk and bookshelves 79 Give away anything you do not use or is no longer needed THE BEDROOMS 80 Large master bedrooms are extremely popular today Make your bedroom appear larger 81 Paint the room a light color 82 Remove one of the dressing tables or bureaus if the room is crowded 83 Get rid of the clutter 84 Decorate the private bath of the master to coordinate with the bedroom 85 Imagine you are in the Bed and Breakfast business 86 Make closets look spacious 87 Remove and store all out of season clothing 88 Remove any items from the floor area 89 Lighted closets look bigger are more attractive and allow buyers to inspect the interiors there are many battery operated lights on the market 90 Remove any unusual or personal wall hangings such as posters and store them until your home is sold 34
THE DINING ROOM 70. Visually imagine a large dining area. 71. Remove extra    company    chairs. 72. Take one or two leave...
THE BATHROOMS 91 Empty wastebaskets 92 Remove laundry 93 Put out fresh towels 94 Clear off countertop and store all personal care products 95 Dispose of old prescriptions and polish the shelves in the medicine cabinet 96 Repair leaking faucets 97 Clean off mineral deposits with vinegar or a commercial cleaner 98 Replace old shower curtains 99 Clean and repair caulking 100 Display perfumed guest soap and add a plant for freshness THE BASEMENT 101 Sweep stairs 102 Clear clutter blocking access to furnace electrical box or laundry room THE GARAGE This is a very important part of a home for most buyers It is important that it be cleaned and organized just as you would the other rooms in the house 103 A fresh coat of paint on the walls and the floor can make a huge difference 104 Remove any stains or paint on the floor and repair any cracks or damages 105 Remove any items that are not going to be used during the time that the house is going to be marketed 106 Clutter and trash left in the garage destroys the one main thing most people are looking for in a garage space Make it look spacious 107 If your garage is small and accommodates one car it is a good idea to leave the car in the driveway to give the appearance of spaciousness 108 If you have a two car garage leave one car in the driveway when the house is being shown 109 If the garage is dark add more light A well lit and well organized garage appears to be larger and thus adds value to the home 35
THE BATHROOMS 91. Empty wastebaskets. 92. Remove laundry. 93. Put out fresh towels. 94. Clear off countertop and store all...
HIGHLIGHTS TO FOCUS ON 110 One of the most important steps in the selling process is staging your home Each room should be inviting fresh clutter free and clean 111 Get rid of fingerprints on windows appliances and mirrors 112 Odors if your house has an unpleasant smell it will be very hard to SELL pets diapers garbage mold mildew 113 Get your furnace AC electrical and plumbing all up to snuff Have your furnace and AC serviced and cleaned electrical inspected shine up your water heater and make sure your plumbing works properly 114 Curb Appeal make your house say Welcome come on in from the curb Manicure your yard free it of weeds edge your sidewalks clean your gutters wash the outside of the house paint if needed stain your deck if needed trim trees and shrubs and make any necessary repairs 36
HIGHLIGHTS TO FOCUS ON 110. One of the most important steps in the selling process is staging your home. Each room should ...
Things That Can Go Wrong When Listing Your Home 1 Your Home May Not Be Worth What You Think The biggest shock most sellers face is the true value of their homes either determined by one or more agents in comparable market analysis reports or through actual offers from buyers The reality is that markets change and home values rise and fall Many factors affect home values and most of them are subjective and hard to measure Sometimes you may see no difference between your home and others on the market and it is hard to understand why your home may appear to be less valuable Harder to understand is why improvements you may have made do not seem to raise the value of your home Also irrelevant is what you paid for the home and what you need the home s price to yield so you can pay debts or buy another property Many people believe their home should pay off like a securities investment Historically home values have barely kept pace with inflation that is why they are a place to live not an investment But many people believe that when you spend that much money you ought to be making money on your home The economic reality says otherwise because homes depreciate even while they gain in value Buyers will determine the true worth of your home in this market at this time and what your home is worth right now may be very different than what it was worth three months ago or what it will be worth six months from now All you can do with your agent is determine an asking price based on comparables square footage condition and other factors and see what the market will bear 2 People Won t Love Your Home Like You Do You love your home and fully expect others to appreciate the same qualities in it that you do but buyers have their own lifestyles preferences tastes and attitudes The chances of finding a buyer who will want your home as is are slim to none In fact buyers will look at your home with an eye to how they can make it their own Then they will love it the way you do But first they may knock out that wall where you have your prize fish tank tear down that designer wallpaper you had imported from England and gut the kitchen where you spent so many Thanksgivings preparing dinner All those changes cost money so they will value your home less while they consider remodeling and decorating costs It will hurt your feelings that the buyer will find every little flaw possible with the home and use that knowledge to negotiate the home s price downward Don t let yourself think that what was good enough for you and your family should be good enough for the buyer But keep in mind that selling a home can be fiercely competitive Your home is competing 37
Things That Can Go Wrong When Listing Your Home 1. Your Home May Not Be Worth What You Think The biggest shock most seller...
against new homes homes that have already been updated and homes that offer unique features that your home doesn t Your home has to withstand the glare of scrutiny So keep your cool It s just business not personal You weren t going to take that wallpaper with you anyway 3 Sooner Or Later You May Lose Your Temper Your relationship with your buyer will be one of love hate The buyer is an adversary because s he wants to pay the least for your home while you want to net the most possible The buyer in order to improve bargaining leverage may pick your home apart Many of the buyer s complaints and requests for repairs will be legitimate but some may not In fact some requests can be outrageous It s your job to stay focused on the ball If you don t want to comply with the buyer s wishes you don t have to You can draw the line and have your agent tell their agent to tell them to get real But the bottom line is that the buyer brings the money to the table No transaction can take place without a buyer so letting tempers flare only gets you further from your goal The buyer has pride too and doesn t want to lose face any more than you do But anyone who can t be reasonable because they have let angry feelings get in the way isn t going to be making any deals happen You may get angry at your Realtor too But if your agent is a pro he she will be able to handle your concerns Just know that some things like other people s behavior are simply out of your Realtor s control 4 Unexpected Showings Buyers aren t going to operate on your schedule When your home is put on the market you won t have just your own Realtor showing your home you may have dozens of Realtors and their clients wanting to see the home at almost any time of the day or evening You may feel like fair game when buyers show up at your home without an appointment or ahead of their Realtors and ask to see your home Don t let them in no matter what they say There is no reason for an unaccompanied buyer to be in your home for any reason Just say no Your Realtor will ask you to keep your home in show condition which is not easy People will break appointments ask to reschedule and there are only so many times a week you can buff those hardwoods Be flexible and trust that every buyer who enters your home is a potential buyer 38
against new homes, homes that have already been updated, and homes that offer unique features that your home doesn t. Your...
5 Buyer rudeness Every day we each experience rudeness in society People don t RSVP in time for the party they don t write thank you notes anymore they get in the express line with at least 20 items and they are turning road rage into a national pastime So why be surprised when buyers leave the cabinets and closet doors open wherever they looked or miss their appointment altogether expecting you to reschedule at a moment s notice As tempting as it may be to play Miss Manners it s not worth passing up a good offer because the buyer left a dirty diaper in your trash bin 6 Inspections Inspections kill more deals than any other single factor besides overpricing All older homes have some minor and some major problems These can either be addressed in the sales price of the home or as a negotiation with the buyer under contract And it is a matter of opinion how seriously the buyer will take some problems over others Although the inspection is typically an expense on the buyer s side of the ledger sellers can avoid a lot of heartache by hiring an inspector themselves before listing their homes The inspector should reveal what the buyer s inspector will find giving you the knowledge you need to fix problems that must be fixed price the home more competitively with your agent and give you maneuverability in negotiations with the buyer A buyer who sees a favorable inspection report is more likely to make a fair offer and less likely to bargain hunt or place a lot of contingencies in the contract If you don t choose to have your home inspected be prepared to be surprised with some repair expenses or face a price reduction if you want to keep the deal going 7 Last Minute Problems That Delay Closing Service providers from lenders to inspectors to closing agents may cause problems sometimes without meaning to In some areas closings are happening at such a rate that all service providers associated with the real estate transaction are on overload Attorneys dispatched at the last minute may find an area of dispute in your title The plumber who was going to replace your shower pan in time for final walk through is called out of town and can t do the job Any of these scenarios and many others may cause closing to be delayed by days or even weeks A lot of other things can go wrong too Your floor drains may back up during the final walk through some of your lights may quit working or short out Whatever happens you can prevent a lot of problems in advance and handle the unexpected ones with a good sense of humor Be prepared for anything and everything Listen to your Realtor You re paying for good advice Take it 39
5. Buyer rudeness Every day, we each experience rudeness in society. People don t RSVP in time for the party, they don t w...
10 Ways to Save Sellers Time and Money 1 Turn Lights on for all showings this will make you more money 2 Paint any areas that are peeling Before the appraiser notices and before the buyer tries to negotiate 3 Have furnace and air conditioner checked serviced and cleaned prior to the inspection 4 Q Tip Clean Clean your home like you ve never cleaned it before and keep it clean If you just can t do it yourself hire a professional to come in weekly If your carpets are stained have them cleaned or replaced Nothing turns off a buyer more than a dirty home I can t stress this enough Your home needs to be neat tidy and not smelly Smoke smell will turn Buyers off Dirty diapers old food and pet smells are also very offensive 5 Position your home to compete against the other un sold homes 6 Make sure your home is spotlessly clean for all showings 7 Declutter what you can live without pack 8 Box and stack items in storage room or garage 9 Change light bulbs to the highest wattage acceptable to the fixture 10 Negotiate quickly and remember your first offer is most often your best offer 40
10 Ways to Save Sellers Time and Money 1. Turn Lights on for all showings     this will make you more money. 2. Paint any ...
Homework for our listing appointment Please have the following available at the time of listing Spare key for the front door preferably 2 One spare key for the garage door if applicable Know the location of your abstract__________________ Copies of Restrictive Covenants or By Laws if applicable Mortgage Information a Name of Lender _______________________________ b Address _____________________________________ c Phone _____________________________________ d Loan ______________________________________ e Same info needed above for the 2nd mortgage holder if applicable _____________________________________________________________________ Utility Company information f Electric Provider________________________________ g Gas Provider LP_______________________________ h Water Sewer _______________________________ i Garbage _______________________________ j Lawn care _______________________________ k Irrigation l ________________________________ Cable Satellite Internet Phone ______________________________________________ 41
   Homework    for our listing appointment Please have the following available at the time of listing     Spare key for th...
List of Recent Updates or Improvements 1 __________________________________Year_________ 2 __________________________________Year_________ 3 __________________________________Year_________ 4 __________________________________Year_________ 5 __________________________________Year_________ 6 __________________________________Year_________ 7 __________________________________Year_________ 8 __________________________________Year_________ 9 __________________________________Year_________ 10 ______________________________Year_________ 42
List of Recent Updates or Improvements 1. __________________________________Year_________ 2. _____________________________...
What do you feel are the top 3 Selling Points of Your Home 1 ___________________________________________________ 2 ___________________________________________________ 3 ___________________________________________________ Things you d like me to include in marketing 1 ___________________________________________________ 2 ___________________________________________________ 3 ___________________________________________________ 4 ___________________________________________________ 5 ___________________________________________________ 43
What do you feel are the top 3 Selling Points of Your Home  1. ___________________________________________________ 2. ____...
Showing Checklist Empty all trash cans Clean all bathrooms toilets vanities mirrors shower tub doors walls floor Wipe down kitchen counters and put away any counter top clutter Clean your refrigerator handle and any other marks on your appliances Clean any grease off of your stove top and oven door Check to make sure your microwave is clean inside and outside don t just smear the grease marks on the front use a degreaser to clean them off Dust Give coffee tables end tables and other large furniture the just dusted look Clean all your windows that may have evident finger prints dog prints etc especially if you have one above the kitchen sink those get very dirty very fast Beds made Floors swept vacuumed Lights lamps on If applicable pick up any pet waste in the yard and also tend to kitty litter Yards and walks should be tidy and manicured seasonally Snow removed from walks and driveway if applicable If applicable lock up guns medications and jewelry Leave Five Minutes early 44
Showing Checklist     Empty all trash cans     Clean all bathrooms  toilets, vanities, mirrors, shower tub doors, walls, f...
Thank you for listing your home with ME Jill Monnahan REALTOR m en ts Ruhl Ruhl REALTORS 5805 Council St NE Suite A Cedar Rapids IA 52421 319 981 1409 Jill JillMonnahan com cu What Happens Next s Sa m pl e Do Photos ealtor com Extensive Internet Exposure Realtor com Coop Brokerage Sites Facebook Twitter and more S rst t Listing submitted to MLS first 2 days on the market B Hotsheet notification to all Br kers and Agents belonging to the MLS when Brokers he e your listing is on the MLS sting ng Gazette New Listing Ad kets s delive Feature packets will be delivere to you it takes about a week to get from delivered er b our printer these are to be left out for private showings mber ber BookA Remember we use Book BookAShowing com for showings so agents will be tting g getting email reminde to provide feedback and once they do the reminders feedback is sent d dir directly to you and me
Thank you for listing your home with ME  Jill Monnahan, REALTOR  m  en ts  Ruhl Ruhl REALTORS 5805 Council St. NE Suite A ...
Some quick questions for your property listing at __________________________________________________________________________________________ How many mortgages do you have on this property _________________________________________ Who holds the mortgage s 1 _____________________________ 2 _______________________ Are your mortgage payments current YES _____ NO_____ Do you have an FHA Mortgage ES____ ___ YES______ NO_____ en ts n o o If YES you have to pay interest to the end of the month no matter when your closing oc occurs so e rprised it is best for you to close at the end of the month if not you may be surprised at the int interest nt your mortgage holder will charge you on your pay off statement Do you have automatic payments deducted from your account YES____ NO_____ YE Y m o If YES what date s does the money get deducted ______________ you should plan to contact _____________ __________ your mortgage holder to ask them how much notice they may need to discontinue that service tice t cu Do you have any judgements against you hospital bills child support etc lls hild Do you currently have court ordered child support ort Do If YES YES____ NO____ YES____ NO____ o Are your payments current YES____ NO____ ocum o Will the recipient sign a docume s stating they are documents YES ____ NO____ pl e ent nt amo amou o If you are not current and the amount you are owing shows up as a judgement that amount ted procee proceed will be deducted from your proceeds before you receive your funds That goes for any nt hat yo judgement that may be in your name s m Do you wish to sell your home w a home warranty and have Seller and Buyer Coverage h wit with YES ____ NO____ Sa Policy _________________________________________________ o If YES Which Po Poli Will you or have you had your home pre inspected by a certified whole house inspector ill y YES ____ NO____ o If YES please provide me the paid invoice and when we close on your property we will reimburse you the cost of that inspection up to 300 for properties listed over 100 000 And up to 250 for properties listed under 100 000 Will you be having a state licensed radon tester do a radon test on your property YES____NO____
Some quick questions for your property listing at  _______________________________________________________________________...
Do you want to have a one house consultation with a home stager paid for by us YES ____ NO____ o If YES We will connect you with the home stager we choose If at any time during the listing period that your home is vacant It is highly recommended that you hire a plumber to winterize your home Please keep in mind that it will then need to be de winterized for any appraisal inspections and final walk through If you leave for a weekend or move out and choose not to winterize your property it may be a good rned back d idea to shut the plumbing off to toilets refrigerator water line etc Just be sure that they are all turned ba on for any en ts inspections appraisals and for the final walk through In order to provide clear title to a Buyer any judgment child support satisfaction must be released as of the date of the closing by ed the entity person that holds the judgment against you you will be responsible for providing this documentation If y are unsure his ocumentation you whether or not there has been a release filed with the clerk of court for the county the judgment is in then we ne to move need ment nt nee forward and hire an attorney to get this done now rather than at the last minute m If you ve paid child support or have had other judgments in the past and if you believe you have had a full release from judgements eve ful r please have those papers available for me to make copies as we may need them Many times judgment are recorded and they judgments any actually need to be registered with the county clerk and not the recorded at the county recorder he oc u These types of judgement issues can cause closing delays and sometimes even cause the transa transaction to fall apart s en Sa m pl eD By signing below you are just agreeing that the information noted on these two pages is agreeable to you and that you are aware of oted d page any other information provided in this document X X SELLER SIGNATURE AND DATE SELLER SIGNATURE AND DATE SI X X AGENT SIGNATURE AND DATE NATURE AGENT SIGNATURE AND DATE
Do you want to have a one house consultation with a home stager, paid for by us  YES ____ NO____ o If YES, We will connect...
Seller s Settlement Services Agreement O SHEA O Shea PC O SHEA agrees to assist in the closing of your real estate transaction for property located at __________________________________________ O SHEA will provide are the following to the seller s Review all sale documents and make sure all parties to the transaction are in compliance with the terms negotiated 2 Act as the liaison to the abstractor attorney and lender 3 der Order that abstract extension in a timely manner and route the abstract to the Buyer and Lender s attorney for the title examination 4 ate e Order the payoff statement s of the Seller s mortgage s when a tentative closing date has been set 5 olved any As part of the closing process work with the Buyer s attorney and the parties involved to correct an title problems including the ordering of corrective documents to clear title 6 ed Coordinate closing statements with the Buyer s lender and any other involved Brokers D a final review of all Do ur ent closin clos closing documents and furnish a copy of the final statement to your agent prior to closing 7 ranty y groundwa groundw Prepare the necessary real estate transfer documents ex warranty deed groundwater hazard statement declaration of value and tax certification forms 8 nd Once all of the funds to close have been received and as requested disbur the following items as directed disburse cu m en ts 1 Closing Escrow Fee Cl Real Estate Taxes Do Seller s proceeds Seller s Mortgage Payoff Via wire 15 or UPS 30 for each wire or ach ected UPS not included in cost reflected below Miscellaneous Vendor Payments aym nts If O SHEA physically closed the transaction O SHEA will electronically record the deed with the County d transactio O SH Recorder 10 t Act as Settlement Agent if requested and m make all necessary filings relating to Federal Form 1099 S at the end of the year 11 losed d permanen Store the closed file as a permanent record for five years as required by law m pl e 9 Sa reme Under Iowa Supreme Court Rule on licenses attorneys may prepare deeds and certain other documentation related to only t real estate Please select one of the following options uest O SH I We request that O SHEA prepare any necessary documents that must be prepared by a lawyer d Please sign and date in the space provided below By doing so you are indicating that you agree to have O SHEA perform the property settlement services outlined above and agree to pay O SHEA a fee of 405 00 at the time of closing for said services plus any attorney fees for document preparation as part of the closing of your transaction Date Date
Seller   s Settlement Services Agreement O   SHEA   O   Shea, PC     O   SHEA     agrees to assist in the closing of your ...
LETTER OF AUTHORIZATION To whom it may concern Please accept this letter as authorization for you to release to the law firm of O SHEA O SHEA P C any and all information relating to the payoff and releases for the loans referenced below Please include any fax fees recording fees wire fees _ Primary Borrower Name s _______________________________________________________ Do cu m en ts Social Security Number s ________________________________________________________ __________ _____ Phone number _________________________________________________________________ _______________ _____________ Property Address ________________________________________________________________ _________________ ______________ 1 Lending Institution current mortgage company bank _________________________________ _________________ _______________ Loan Number ____________________________________________________________________ _______________ ___________ Phone of current mortgage company bank 2 Lending Institution current mortgage company bank ____________________________________ ny bank ______ bank Loan Number Phone of current mortgage company bank any bank 3 _________ _________ _________ Lending Institution current mortgag company mortgage company g company bank _________________________________ pl e Loan Number _________ m Phone of current mortgage company bank ortgage company company _________ Sa Payoff Good through __________ ___________________________ ugh _______ Please include the daily per die on payoff clude lude diem ____________________________________ ___ sign on line Please fax this payoff request to O SHEA O SHEA PC Contact Summer VanDine Fax 319 362 1345 E mail svandine oshealawpc com Phone 319 721 4346 319 362 3640 ___________________________________ sign on line
LETTER OF AUTHORIZATION To whom it may concern  Please accept this letter as authorization for you to release to the law f...
RIVER RIDGE ESCROW COMPANY Contract for Settlement Services I We here by request that River Ridge Escrow Company perform the following settlement services on my our behalf I we understand that my our lender may require that it or its agent perform some of these services discussed below at additional cost and that one or more services listed below may not be necessary on my our transaction If another escrow company is used or someone other than a local lender is used there may be additional charges m pl e Do cu m en ts River Ridge Escrow Company shall 1 Review all sale documents and make sure all parties to the transaction are in compliance re e with the terms negotiated 2 Act as the liaison to the abstractor attorney and lender 3 Keep you agent abreast of the status of the loan process 4 Order the abstract extension in a timely manner and route the abstract to the Buy and Buyer e bstract Lender s attorney for the title examination 5 Order the payoff statement of the seller s mortgage when a tentative closi date has been closing hen closin set 6 Documents needed to transfer title will be ordered and will be provid for your signatures provided d nd 7 As part of the closing process work with the Buyer s attorney and the parties involved to yer s correct any title problems including the ordering of corrective documents to clear title dering g d 8 Coordinate closing statements with the Buyer s lender and any other involved Brokers do a er s an a final review of all closing documents and furnish a copy of the final statement to your agent d prior to closing 9 If proceeds are in deficit the final closing statement will be provided with adequate time for nal you to obtain certified funds payable to River Rid Escrow Company or Buyer s lender Ridge Ri 10 Once all the funds to close h ve been collected disburse the following items collected e have a Seller s Proceeds s b Closing Escrow Fee ow c Seller s mortgage payoff b w ortgage rtgage by wire in person or overnight carrier d Real estate taxes tate e Miscellaneous vendors ellaneous aneous 11 Forward the deed to the County Recorder for recording d e Count Cou 12 Act as Settlement Agent and file the Federal 1099 S form at the end of the year s ettlement a 13 Mail the recorded deed to the Buyer after closing ail he Sa 14 Store the closed file as a permanent record for five years as required by law re a I we request River Ridge Escrow Company to perform settlement services outlined above I we agree to equest Ridg ettlement o pay a Settlement Fee of 180 for Buyer and 225 for Seller plus any attorney s fees for document preparation as par o the closing of my our transaction n part of __________________________________________ ________________ Buyer Seller Date __________________________________________ ________________ Buyer Seller Date
RIVER RIDGE ESCROW COMPANY Contract for Settlement Services I We here by request that River Ridge Escrow Company perform t...
LETTER OF AUTHORIZATION Borrowers ____________________________________________ ________________________________________________ _______________________________________________ __ Property Address ____________________________________________ ____________ _______ en ts Social Security m Name of Lending Institution Address Phone Number Loan Number Dear Madam or Sir Do cu Name of Lending Institution Address Phone Number Loan Number pl e Please accept this letter as authorization for you to release to is s a River Ridge Escrow Company any and all information relating to the ompany an payoff of the above referenced loan Please provide the information ve l as their office requests equests Sa m Thank you Sincerely __________________________Date______ __________________________Date______ Please mail or fax to Melissa Sabin River Ridge Escrow Company 4056 Glass Road NE Cedar Rapids IA 52402 Fax 319 731 2635 msabin therrec com
LETTER OF AUTHORIZATION  Borrowers   ____________________________________________ ________________________________________...
Certification for No Information Reporting on the Sale or Exchange of a Principal Residence This form may be completed by the seller of a principal residence This information is necessary to determine whether the sale or exchange should be reported to the seller and to the Internal Revenue Service on Form 1099 S Proceeds from Real Estate Transactions If the seller properly completes Parts I and III and makes a true response to assurances 1 thru 6 in Part II or a not applicable response to assurance 6 no information reporting to the seller or to the Service will be required for that seller The term seller includes each owner of the residence that is sold or exchanged Thus if a residence has more than one owner a real estate reporting persons must either obtain a certification form for each owner whether married or not or file an information return and furnish a payee statement for any owner that does not make the certification Part I Seller Information 1 Name 2 Address of residence being sold 3 Taxpayer Identification Number TIN or SSN en ts Part II Seller Assurances Check True or False for statements 1 through 5 and true false or not applicable for assurance 6 ble True False _____ _____ 1 I owned and used the residence as my principal residence for perio aggregating pal sidence periods two years or more during the five year period ending on the date of the sale of exchange of the reside residence hange ____ 2 I have not sold or exchanged another principal residence during the two year her period ending on the date of the sale or exchange of the reside residence xchange ange residen ____ ____ 3 I or my spouse or former spouse if I was married at any time during the period r ouse marr beginning after May 6 1997 and ending today have n used any portion of the residence not d nding for business or rental purposes after May 6 1997 s er oc ____ 4 At least one of the following three statements applies f e s The sale or exchange of the entire residence is 250 000 or less ORle I am married the sale or exchange o the entire residence is 500 000 or less and the gain of on the sale or exchan e of the ent residence is 250 000 or less exchange entire excha en ORI am married the sale or e exchange of the entire residence is 500 000 or less and a I intend to file a joint retu for the year of the sale or exchange b my spouse also used the tend d return residence as her or her principal residence for periods aggregating two years or more during idence he p ending on the date of the sale or exchange of the residence and c my the five year period e spouse also has not sold or exchanged another principal residence during the two year no on period ending o the date of the sale or exchange of the residence not taking into account exchange before May 7 1997 any sale or e 5 During the five year period ending on the date of the sale or exchange of the residence resid residen I did not acquire the residence in an exchange to which section 1031 of the Internal Revenue Code applied In Inte ____ __ Sa ____ m pl eD ____ um ____ True ____ False ____ NA ____ __ 6 If my basis in the residence is determine by reference to the basis in the hands of a person who acquired the residence in an exchange to which section 1031 of the Internal Revenue Code applied the exchange to which section 1031 applied occurred more than five years prior to the date I sold or exchanged the residence Part III Seller Certification Under the penalties of perjury I certify that all the above information is true as of the end of the day of the sale or exchange _________________________________________ _______________________ Seller Date _________________________________________ _______________________ Seller Date
Certification for No Information Reporting on the Sale or Exchange of a Principal Residence This form may be completed by ...
HOME DATA COLLECTION FORM Use this form to help you gather the information below from the property then visit www ahsproconnect com to enter all of the information to the online form Property Address HOME TRANSACTION FACTS FA Year Home Was Built Buyer Name Square Feet of Home Buyer E mail en ts BASIC HOME FACTS Number of Bathrooms Yes Yes No In ground Swimming Pool No Was the home professionally inspected prior to closing spected cted Did the listing have an AHS sign rider d a HOME INFORMATION Unit Date Home Listed For Sale te ome Brand 1 Date of Closing Closin 3 Unit Date AHS Home Warranty Initiated ate Warran Warra Date Under Contract to Sell Contra 2 Heater Furnace oc um Air Conditioner Listing Price of Home P Brand Sal Sale Price of Home Buyer Usage of Home 1 Sa m pl eD 2 Primary Residence 3 Water Heater Unit Rent to Tenant nd d Brand 1 Bank Owned REO 2 2nd Vacation Home 3 Dishwasher Range Oven Brand Vacation Rental Brand Other OPTIONAL COVERAGE ITEMS L COVERAG COVERA e selecte selec complete if coverage is selected for these items Kitchen Refrigerator Unit Brand 1 2 Clothes Washer Brand Clothes Dryer Brand Please complete this form to the best of your ability In the event that AHS determines that this form is not adequately complete you may be required to provide additional information 2011 American Home Shield Corporation and its licensed subsidiaries All rights reserved
HOME DATA COLLECTION FORM Use this form to help you gather the information below from the property, then visit www.ahsproc...
H O M E W A L IDEA rt o for sh and sales osed l forec es hom R R A N T Y P R O T E C T Undetectable U pre existing conditions Failures due to lack of maintenance Failures due to water heater sediment Failures due to rust and corrosion A more comprehensive upgrade package Sa O The Right Home Warranty Base Cover Covera Coverage inclu includes The right people The right service The right home warranty I N SM m en ts H S A
H  O  M E  W A  L IDEA rt o for sh and sales osed l forec es. hom  R  R A  N  T  Y  P  R O T  E C T      Undetectable U pr...
Protection and convenience all under one roof A home is one of the largest investments a person will ever make and it s important to protect that investment With an HSA Home Warranty you can The home warranty is a one year service contract that will help safeguard against the high cost of repairs or replacements to the major Sa m pl eD oc um en ts systems and appliances that fail due to normal wear and tear HSA offers the convenience of one source for most repairs so you can avoid the hassle of nding a service contractor in your area When a covered system or appliance breaks down all you need to do is contact HSA to report the problem A quali ed pre screened service technician will contact you to schedule an appointment that works for you It s that simple Remov Remove the worry and emov w wo inconvenience of inco venien o dealing with co venie convenience unexpected home repairs With unexpe ted h pecte pected Home HSA Hom Warranty you ll get Ho ome reliable reliab protection backed by b exceptional service Without HSA Home Warranty protection typical repair air r or replacement costs would be ITEM REPAIR REPLACEMENT PLACEMENT Heating system Central air 96 600 1 325 4 700 200 1 100 1 475 5 200 Water heater Plumbing 85 210 100 1 200 00 420 805 420 80 480 3 225 4 Refrigerator 80 515 15 525 3 100 5 Oven range 80 310 415 2 600 Based on HSA s estimates of retail cost for repairs and replacements of items listed above Costs may vary in your geographic area d ments Cos Quality service is our top priority s ur op prio HSA Home Warranty is committed to d nty ted deliv de delivering exceptional service every step of the way When you re in need of a repair you ll nd HSA s ay nee t throughou the process From the customer service commitment to quality through throughout representative who handle y o handles your request to the service contractor who promptly completes the re repair we ll provide a speedy reliable solution s At HSA requesting service is easy If a problem arises you simply contact HSA to report the problem You can request service 24 hours a day 7 days a week by calling 1 800 367 1448 or you can report a claim online at www onlinehsa com HSA Home Warranty 1861 Ludden Drive l Cross Plains WI 53528 Phone 1 800 367 1448 l Fax 1 877 638 1741 www onlinehsa com Questions about your home warranty Just call 1 800 367 1448
Protection and convenience, all under one roof A home is one of the largest investments a person will ever make, and it   ...
P R I C I N G A N D COV E RAG E Form MW2012 03 12 Understanding your home warranty With HSA Home Warranty you get extensive coverage on your mechanical systems and appliances however not all services and failures are covered HSA wants to help you understand the coverage so you see the value in having the HSA home warranty For a complete understanding of your HSA home warranty read the Sample Contract portion of this brochure Seller Buyer Coverage Basic Plan with 75 deductible 420 Basic Plan with 100 deductible 390 Buyer 7 Star Upgrade 149 BASIC PLAN Central heat central air heat pump and thermostat SELLER BUYER optional Ductwork and attached humidi er Some of the following services Failures due to rust and corrosion Water heater and instant hot water dispenser m pl eD oc um en ts do not qualify for coverage Normal maintenance and or cleaning Drain line stoppages due to roots Failures due to lack of maintenance Water heater sediment Plumbing parts and primary sump pump Routing of drain line stoppages may not qualify for repair Improper installation Code violations Water gas drain and waste lines Polybutylene leaks Toilet tank bowl wax ring seals replaced with builder s standard Whirlpool bathtub Electrical system may incur additional cost Disposal of the replaced equipment Modi cations required to t new equipment Code violations Permit fees Coolant evacuation and recovery Garage door opener Ceiling fans and interior attic and exhaust fans tic Oven stove top range built in microwave oven Trash compactor dishwasher garbage disposal shwasher disp Lighting xtures and central vacuum Burglar alarms re alarms and door bell system ms be Refrigerator and clothes washer an dryer r and OPTIONAL COVERAG FOR SELLER TIONAL COVERAGE Central heat central air con ntral conditioner heat pump and thermostat Coverage for some of the above services is available in our Buyer 7 Star Upgrade Package You can view the enhanced coverage included in this upgrade in the section to the right Read the sample contract for complete terms ms and conditions 60 OPTIONAL COVER COVERAGE FOR BUYER Water softener Water well pump 40 45 Septic sys system 45 Electronic air cleaner 40 30 Roof leaks oo 45 Hot tub 150 Swimming pool 150 Pool hot tub combination must share common mechanicals When Filing a Claim Home freezer 175 BUYER 7 STAR UPGRADE 149 Crane charges for rooftop air conditioning or heating replacement Central heat and air registers grills lters heat lamps e uali ed pre scre pre screen 2 HSA will provide a quali ed pre screened ho promptl and contractor who will arrive promptly a invoice tly y repairs HSA directly for covered repairs If HSA s c can authorized service provider cannot respond in er wil ap a timely manner HSA will approve the use of a de contractor outside of its n network to ensure the ser convenience of fast service It s guaranteed Smoke alarms Sa 1 Homeowner must call HSA at 1 800 367 1448 SA t actor r before calling a contractor Failure to do so m may f erage result in a refusal of coverage on that item item 3 Contractor must call HSA for approval before initiating the repair Homeowner is required to pay the service contractor for all charges incurred in the event that no Operational Failure is discovered If the approved failure was serviced by an HSA service provider that provider will bill us directly The contract holder will be responsible for the deductible and any charges not covered by the HSA Home Warranty If the approved failure was serviced by a contractor outside of the HSA network and that provider is not willing to bill us directly simply fax the paid invoice to HSA fax 1 877 638 1741 and HSA will reimburse the contract holder Central air refrigerant recovery and non ducted window or wall air conditioner Toilets replaced with like quality Faucets and shower heads replaced with chrome builder s standard Garage door opener hinges springs keypad and remote transmitter Refrigerator refrigerant recovery and ice maker beverage dispenser Trash compactor lock key assembly bucket Dishwasher racks baskets rollers Built in microwave interior lining door glass clock and shelves Oven range interior lining clocks rotisseries racks handles knobs and dials 250 toward code violations 500 toward modi cations on central heat air or water heater Permits up to 250 per occurrence Removal and disposal of replaced equipment Mismatched heating and or air conditioning system Improper installation repair COVERAGE TERMS Seller coverage effective the date of application and continues for up to 6 months Buyer coverage effective the date of closing and continues for 12 months Renewable annually Please reference the Sample Contract portion of this brochure for complete coverage details
P R I C I N G A N D COV E RAG E Form   MW2012 03 12  Understanding your home warranty With HSA Home Warranty, you get exte...
SAMPLE CONTRACT PLEASE READ THIS DOCUMENT CAREFULLY YOU MUST NOTIFY HOME SECURITY OF AMERICA INC HSA PRIOR TO ACTUAL COMMENCEMENT OF REPAIR OR REPLACEMENT TO REPORT ALL CLAIMS Call HSA at 1 800 367 1448 Fax service invoices to 1 877 638 1741 The aggregate coverage under this agreement is limited to 25 000 00 with a 5 000 00 per mechanical system sub limit unless a lower per occurrence sub limit or lower aggregate sub limit is speci cally enumerated elsewhere in this agreement Certain items and events are not covered by this contract Please refer to section F Limitations of Liability and to the exclusions listed in each applicable section of this contract A Coverage 1 HSA will provide home protection coverage for authorized repair or replacement of Component Parts mentioned as covered in accordance with the terms and conditions of this contract that fail due to Operational Failure HSA will cover Loss so long as the Component Parts A Are located within the Interior of the main foundation of the home or attached or detached garage except for the exterior well pump septic system condensing unit and pool spa equipment B Are properly installed throughout the term of this contract for proper diagnosis C Become inoperative due to normal wear and tear D Are in Proper Working Order on the effective date of this contract 2 This contract covers single family resale homes and condominium or town house units Multi family homes up to and including eight 8 family dwelling units may be covered if applied for and the appropriate fee is paid Multiple family homes qualify for listing coverage however coverage is limited to the owner occupied unit tenant occupied properties are not eligible for coverage during the listing period Coverage is for owned or rented residential property and excludes commercial property or residences used as businesses including but not limited to day care centers fraternity sorority houses and nursing care homes 3 Coverage includes only the items stated as covered and excludes all others Items listed as Not Covered are intended as examples of the types of items excluded from warranty coverage They are not completely inclusive of all systems and appliances excluded from coverage Coverage is subject to limitations and conditions speci ed in this contract Please read the contract carefully B De nitions 1 Component Parts the constituent elements of mechanical items as covered by this contract 2 Operational Failure the mechanical breakdown of Component Parts 3 Proper Working Order functioning as intended and expected for its age and within the safety standards as established by the system manufacturer 4 Loss the reasonable market cost or the actual cost HSA can contract for the required services whichever is less for the repair or replacement of Component Parts r 5 Interior the space within the external surface area which constitutes the perimeter of the residence s exterior und walls under the roo ng materials above or encased in the basement oor or home s slab or above the ground surface in a crawl space C Coverage Period eD 1 Home seller coverage begins on the date HSA issues a contract number and continues for six 6 months until close nths of sale or termination of listing whichever occurs rst Seller coverage may be extended at the sole discretion of HSA on 2 Home buyer for properties involved in a real estate transaction coverage begins at the close of sale a continues for and e nues twelve 12 months from that date Payment is due at the close of sale ale 3 New construction coverage begins on the rst anniversary of the close of sale and continues for one or thr years three from that date Length of coverage is determined by the premium paid Payment is due at the close of sale t pl age 4 Buyer direct for properties not involved in a real estate transaction coverage begins fteen 15 days after payment is received by HSA and continues for twelve 12 months from that date Call 1 800 367 1448 for pricing and ava availability 800 367 1448 D Customer Service E Covered Component Parts Seller Buyer Coverage In accordance with the terms and conditions of the warranty contract HSA will repair or replace systems and appliances speci cally mentioned as covered all others are excluded Items listed as Not Covered are intended as examples of the types of items excluded from warranty coverage They are not completely inclusive of all systems and appliances excluded from coverage Please reference Section F Limitations of Liability for general exclusions and limitations 1 DOMESTIC WATER HEATER COVERED tank heat elements thermostat valves ue piping sediment buildup electrical or gas connections includes tankless water heaters water heater heating combination units and oil systems are covered up to 1 500 aggregate NOT COVERED solar solar assisted water heating units circulating pumps expansion tanks energy conservation ues and vents 2 INTERIOR PLUMBING SYSTEM COVERED leaks and breaks of water supply lines gas lines drain and aks waste lines polybutylene piping drain line routing with rotary machinery excludes camera diagnosis and ary machin hydro jetting to clear the line through an accessible cleanout p trap drai or over ow access points presdrain nout sure regulators wax ring seals toilet xture and water tank replaced with builder s st standard ed h stand as necessary parts within the toilet tank in line shut off valves risers leading into sinks tubs and toilet primary sum pump for pumping water sump bs only single point instant hot water dispenser including casing element wiring and valve whir whirlpool bathtub pump and ng whi motor assembly NOT COVERED ejector lift pumps hose bibs faucet and shower head assem assemblies assembli and their respective ter evers an a Component Parts including valve for shower tub diverter trip levers tub stopper assembly and sink pop up assembly es basket strainers shower base pans shower enclosures or doors sinks tubs drain tile Frenc drains sprinkler systems tile French ents lter puri lter puri e water well cistern or septic systems and components water softener water lter puri er bidets failures due to salt r un unh mineral beds or deposits caulking grouting or tiles lines or parts lying within an unheated area drain line stoppages alling pulling re settin caused by roots HSA is not responsible for installing a clean out or pulling re setting a toilet to access a drain line stoppage routing through roof vents is not covered oc um en ts C 1 HSA will provide coverage for systems and appliances which malfunction due to lack of maintenance rust or corrosion if the defect or mechanical failure would have otherwise been covered Coverage is only provided for mechanical failures which occur and are reported to HSA during the term of this contract 5 You are required to pay the service contractor directly for the service call fee and any non covered charges In the event that no covered Operational Failure is discovered you are required to pay the service contractor directly for all charges incurred including access and diagnosis HSA will not respond to a new service request when any previous deductible s or fees are outstanding HSA reserves the right to recover any outstanding deductible s and fees directly from the contract holder Sa m 1 YOU MUST NOTIFY US PRIOR TO REPAIR OR REPLACEMENT When service is needed due to an Operational Failure including emergency situations you are to telephone HSA at 1 800 367 1448 twenty four 24 hours per day and seven 7 0 367 1448 ho days per week Your call may be recorded and or monitored for quality assurance purposes T telephone contact shall This initiate the service process without the requirement of a claim form or service application T noti cation includes the This requirement that we have the opportunity to speak with the service contractor prior to the i implementation of any repairs h Failure to do so may result in our denial of reimbursement for the expenses you incu incurred ment notice is given to HSA prior to t expiration of your coverage and the HSA shall not be liable for a Loss unless no the reported Operational Failure is professionally diagnosed and the dia diagnosis is reported to HSA within 15 days sionally dia ally after the expiration of your coverage regardless of when the Oper Operational Failure occurred verage gardless ge 2 You shall take every precaution to protect the property giving rise to the Operational Failure until the necessary repair ution tion n propert t or replacement is authorized by HSA and made Repair or replacement shall be performed within forty eight 48 hours zed d nd replac rep replaceme under normal circumstances of an approved claim by a service contractor chosen by HSA unless a service contractor of s servic co your choice is approved by HSA when you report the malf malfunction or Operational Failure by telephone HSA selected A lf service contractors must be used on all claims Please be aware HSA may be af liated with the company or technician d Ple performing work under this contract Please notify HS if you have a complaint about an HSA selected service contractor Please HSA If HSA cannot provide a contractor for you HSA will approve the use of a contractor outside of its network We have or you HS w r the sole right to determine if items will be repaired or replaced Unless speci cally identi ed elsewhere in this contract replacement shall be with systems comparable in features capacity and ef ciency HSA is not responsible for matching e dimensions color or brand The use of non original manufacturer Component Parts is permitted in making repairs under this contract We will use original manufacturer Component Parts when non original manufacturer Component Parts are unavailable HSA reserves the right to obtain additional opinions at our expense HSA reserves the right to offer cash in lieu of repair or replacement based on what HSA can expect to pay to repair the failure parts and labor this amount may be less than retail or less than your actual cost Once a failure has been diagnosed subsequent failures to the same system will be exempt from coverage unless and until proof of repair is submitted to HSA Proof shall include but is not limited to receipts verifying repair and or replacement 3 DEDUCTIBLE you will pay the 75 00 or 100 00 deductible for each separate trade call Deductible amount is determined by the contract price selected If multiple visits are required for the same repair you will not be charged an additional deductible Trade call means each visit by an authorized repair contractor The deductible shall apply to all approved costs including service call charges If service work performed under this contract should fail then HSA will make the necessary repairs without an additional deductible for a period of 90 days on parts and 30 days on labor In the event that the failure is not covered you are responsible for all charges incurred 4 When you select the service contractor you may be required to pay them directly and seek reimbursement from HSA if the service contractor will not bill us HSA is not responsible for overtime service rates unless we determine a life threatening or property damaging Operational Failure has occurred HSA will reimburse you for your approved coverage subject to applicable deductible s within 30 days of receipt of a paid invoice from the service contractor or other proof of payment acceptable to HSA Claim documentation and any correspondence can be faxed to HSA at 1 877 638 1741 or mailed to 1861 Ludden Drive Cross Plains WI 53528 3 INTERIOR ELECTRIC COVERED wiring main service panels sub panels receptacles or outlets switchCOVERED ERED ED m pane panel es fuse boxes electric wiring to all major electrical equipmen outside outlets attached to the primary resijor electri equipme equipment dential structure and garage garag door opener 2 system maximum must meet current safety standards systems g garage or arage rage includes track assembly and carriage unit if par of the opener unit permanently installed Interior attic and exhaust part he ge art u fans used for the intake and output of air exclud belts shutter and lters ceiling fans Buyer only central vacuum excluding ts shutte shutters put ding door bell systems lighting xtures burglar alarm and r ala alarms tures ms re alarms NOT COVERED any failure in the central electrical system caused by non covered electrical wiring or compo components direct current D C wiring or components and or low ered voltage systems including wiring and relays telephone wiring garage door cables rollers hinges springs keypads reng telepho w one mote transmitter units or door replacement central vacuum hoses or accessories chandeliers smoke alarms intercom ts v systems exhaust equipment mounted on the roof i e turbine ventilator 4 KITCHEN APPLIANCES COVER all Component Parts except for those excluded below including timCOVERED ers that affect the primary function of the appliance except for clothes washer and dryer all appliances must func be located in the primary kitchen unless additional units have been approved by HSA and premium has been kitc received by HSA includes oven range dishwasher garbage disposal built in microwave oven and trash compactor oven range ved HSA will pay up to 2000 aggregate for the life of the contract toward repair replacement of Professional series or ultraA premium appliances including but not limited to Sub Zero Viking or Jenn Air individual trademarks are owned by the mium brand name company Buyer only refrigerator clothes washer and dryer NOT COVERED ice maker crusher and bevernd uyer condensate line clearing any failures to the door other than appliance controls located within the age dispensers drain c door clocks knobs handles dials springs hinges tubs liners baskets shelves drains glass breakage probes rotisserhan ies racks rollers light bulbs lock key assemblies buckets televisions computer screens or computers that are part of an appliance but do not affect the primary function of the appliance stand alone freezer walk in freezers Seller Option included with buyer NOTE FOR SELLER additional fee required this option may be ordered at any time during listing coverage however seller c coverage begins on the date the option is ordered through HSA Items 5 and 6 in Section E are limited to a combined 1 500 aggregate maximum during the listing period Seller central heat air option must be selected to qualify for coverage 5 CENTRAL HEAT COVERED up to 2 units includes forced air furnace radiant electric including wiring heat lines installed in electrical baseboards or ceiling cables radiant hot water steam boilers water heater heating combination units and oil systems are covered up to 1 500 aggregate including radiant heating lines circulating pumps and piping solar heating units including solar collectors re ectors and berglass or galvanized holding tanks that are used for storage of water for a solar heating system heat exchangers wall furnaces if they are the main source of heat to the residence ductwork attached humidi ers thermostats ductwork from heating unit to point of attachment at registers or grills NOT COVERED collector box coal and wood burning equipment chimneys replaces ue liners systems with compressors larger than ve tons oil storage tanks free standing or portable space heaters heat or energy recovery units air cleaners lters condensate line clearing crane charges heat lamps lters registers grills insulation improperly sized ductwork 6 CENTRAL AIR COVERED up to 2 units electric units refrigerated or evaporative units packaged systems heat pumps geothermal system and water source heat pump system Component Parts located within the Interior of the residence glycol systems water source and geothermal heat pump systems are covered up to 1 500 aggregate thermostats ductwork from cooling unit to point of attachment at registers or grills For covered air conditioning and heat pump failures when repair is not possible and like SEER Seasonal Energy Ef ciency Ratio or HSPF Heating Seasonal Performance Factor equipment is not readily available HSA will replace with 13 SEER or 7 7 HSPF equipment HSA will also install a TX valve or will replace the evaporator coil air handler and line set if necessary to be compatible with the replaced equipment Modi cations including but not limited to a replacement pad for the condensing unit relocation of existing equipment to accommodate larger sized equipment ductwork fabrication or plenum work that is necessary to install the new coil in the existing space will be the responsibility of the homeowner if the 7 Star Upgrade is purchased HSA will pay modi cation charges up to 500 in the aggregate for the buyer NOT COVERED gas units systems with compressors larger than ve tons outside underground piping well pump and Component Parts for geothermal and or water source heat pumps heat or energy recovery units non ducted air conditioners condensate line clearing crane charges lters registers grills insulation improperly sized ductwork Buyer Only Coverage 7 ELECTRICAL ITEMS COVERED central vacuum motor and relay switches we do not cover clogged lines or conditions of inadequate capacity door bell systems which are not part of an intercom system lighting xtures burglar alarms and re alarms NOT COVERED intercom systems central vacuum hoses or accessories chandeliers smoke alarms 8 KITCHEN REFRIGERATOR COVERED compressor coil fan motor thermostat and wiring HSA will pay up to 2000 aggregate for the life of the contract toward repair replacement of Professional series or ultra premium appliances including but not limited to Sub Zero Viking or Jenn Air individual trademarks are owned by the brand name company NOT COVERED ice maker beverage dispenser condensate line clearing any failures to the door other than appliance controls located within the door clocks knobs dials springs hinges liners glass breakage baskets racks rollers handles shelves light bulbs televisions computer screens or computers that are part of an appliance but do not affect the primary function of the appliance 9 CLOTHES WASHER AND DRYER COVERED all Component Parts except for those excluded below including control timers HSA will pay up to 2000 aggregate for the life of the contract toward repair replacement of Professional series or ultra premium appliances including but not limited to Sub Zero Viking or Jenn Air individual trademarks are owned by the brand name company NOT COVERED any failures to the door other than appliance controls located within the door clocks knobs handles dials springs hinges tubs liners baskets shelves drains glass breakage racks rollers light bulbs buckets Buyer Options Optional coverage may be purchased up to 30 days after the effective date of buyer coverage however coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract
SAMPLE CONTRACT PLEASE READ THIS DOCUMENT CAREFULLY. YOU MUST NOTIFY HOME SECURITY OF AMERICA, INC.  HSA  PRIOR TO ACTUAL ...
SAMPLE CONTRACT 10 PERMANENTLY MOUNTED ELECTRONIC AIR CLEANER COVERED transformer power pack switches wires and elements NOT COVERED free standing units mesh lters back ush mechanisms and self cleaning units 11 WATER WELL PUMP COVERED Operational Failures occurring more than thirty 30 days after the inception date of buyer buyer direct coverage are covered up to 1500 aggregate including access diagnosis repair and or replacement must be primary water source to residence NOT COVERED digging new or deeper wells co op shared wells irrigation sprinkler wells windmills curing water quality failures from lack of water drop pipe tank electrical supply line exterior piping or any part of the well that is not the pump cistern and all Component Parts 12 SEPTIC SYSTEM COVERED Operational Failures occurring more than thirty 30 days after the inception date of buyer buyer direct coverage includes ejector lift pump failures to the septic system electrical wiring lines tank and dry refuse well are limited to 300 per occurrence including access diagnosis repair and or replacement NOT COVERED drain elds leach beds aerator aerator systems and electrical supply lines cess pools cess pool cave ins upgrading system such as to city or municipal sewage system septic tank pumping 13 WATER SOFTENER COVERED all Component Parts except for those excluded below including electrical wiring NOT COVERED rental or leased equipment repair or replacement of water softener necessitated by mineral beds or deposits cleaning licenses or inspection fees failure to maintain the temperature in the residence above freezing improper use contamination of fuel or energy You are responsible for providing maintenance and cleaning on covered items as speci ed by the manufacturer For example heating and air conditioning systems require periodic cleaning and or replacement of lters and cleaning of evaporator and condenser coils Water heaters require periodic ushing 8 Faulty workmanship by any person including a contractor or trade person selected and hired Improper installation or connection of any system appliance or component part by a contractor trade person or any other person including improper conversions of heating systems and additions of air conditioning systems to an existing heating system If the 7 Star Upgrade is purchased for by the buyer HSA will pay costs associated with covered systems that fail due to faulty workmanship or improper installation or modi cation if the defect or mechanical failure would have otherwise been covered If the failure is a code violation HSA will pay up to 250 aggregate per the terms outlined under Section G Building Codes 9 Secondary damage consequential damage or any damage caused by or resulting from the failure or malfunction of covered or non covered Component Parts Any damage resulting from the actual repair or replacement itself Conditions beyond our control including delays in obtaining parts relocation of equipment or labor dif culties including but not limited to additional costs associated with repair or replacement of a covered mechanical system due to space restrictions or location of the covered equipment Any damage alleged to be caused directly or indirectly by the services or the timeliness of the services provided by us 10 Any remote control transmitting receiving items If the 7 Star Upgrade package is purchased for by the buyer the remote transmitter for the garage door opener will be covered for the buyer only Electronic computerized or energy management systems or devices or lighting and appliance management systems are not covered home computers o computer systems leased or rental equipment and or components 11 Damage to the physical structure of the residence ructural oo including but not limited to load bearing walls walls roof roof supports structural oor base foundation or slabs and s non Operational Failures including but ceilings except where speci cally identi ed as covered 12 Cosmetic repairs and non Opera tches ma not limited to nishes cabinetry panels trim buttons chipping dents or scratches 13 You may be charged an additional r omponent fee by the service contractor to dispose of an old appliance system or component HSA is not resp responsible for these chargSA es If the 7 Star Upgrade package is purchased for by the buyer HSA will pay the cost to dispose of defective equipment ems condominium association or condom on HSA approved system replacement 14 Equipment items or systems that are owned by a condomin lats lans he designated as common area in condominium declarations plats or plans 15 More than two central heating units central ss ci cally air conditioning units or garage door opener systems unless speci cally listed and approved by HSA More than one of any HSA A epairs recall rec appliance unless speci cally listed and approved by HSA 16 Repairs related to manufacturer reca or defects In the event that there is other collectible insurance manufacturer warranty or in house warranty or gu rer ranty gua guarantee coverage available to d s you covering an Operational Failure that is also covered by this contract our coverage shall be in excess of and we will nty arantee respo responsible for repair or replacement of not contribute with any other insurance warranty or guarantee 17 HSA is not respon systems or appliances classi ed by the manufacturer as commercial HSA will pay up to 2000 aggregate for the life of the rer r rofessional onal applia contract toward repair replacement of Professional series or ultra premium appli appliances including but not limited to Subademarks b nam Zero Viking or Jenn Air individual trademarks are owned by the brand name company 18 Items listed as Not Covered s uded cov cove are intended as examples of the types of items excluded from warranty coverage They are not completely inclusive of all nty erage systems and appliances excluded from warrant covera 19 All else not listed as covered warranty coverage oc um en ts 14 HOME FREEZER COVERED all Component Parts except for those excluded below including compressor fan motor thermostat and wiring HSA will pay up to 2000 aggregate for the life of the contract toward repair replacement of Professional series or ultra premium appliances including but not limited to Sub Zero Viking or Jenn Air individual trademarks are owned by the brand name company NOT COVERED walk in freezers drain condensate line clearing clocks knobs dials springs hinges liners any failures to the door other than appliance controls located within the door glass breakage baskets racks rollers handles shelves and light bulbs Form MW2012 03 12 15 ROOF LEAKS COVERED we will pay up to 750 aggregate to repair roof leaks only includes shingles cedar or asphalt built up roo ng slate and tile DEFINITION the exterior surface that constitutes the top of the residence excluding any skylights NOT COVERED condominium or townhouse roofs leaking of an existing roof that has not been properly installed or attached damage done by ice mud snow or wind and any acts of God secondary damage from any type of leak or re roo ng of the residence chimneys gutters or downspouts skylight or skylight ashing repairs for leaks or any other damage 16 HOT TUB COVERED must have jets impellers valves be able to ll with water to qualify for coverage includes lter heater pump motor gaskets relays jets impellers valves if stand alone hot tub limited to 1 000 per occurrence of Operational Failure when hot tub shares mechanicals with swimming pool Note if pool hot tub combination option is selected the two systems must share mechanical equipment NOT COVERED cleaning equipment skimmer equipment or secondary or booster type pumps used for cleaning pools timers lights main body liners structural defects covers lter grids concrete encased or underground plumbing electrical or fuel lines geothermal solar or solar assisted water heaters and their respective plumbing and equipment wood encased or otherwise inaccessible parts any unit with an independent boiler system habitat spa or similar type unit 17 SWIMMING POOL COVERED we will pay up to 1 000 per occurrence of Operational Failure includes heaters which do not have a compressor as a component lter pump motor gaskets relays impellers back ush valve and above ground plumbing lines leading to and from the swimming pool must be for a single family commercially built and properly installed NOT COVERED cleaning equipment skimmer equipment or secondary or booster type pumps used for cleaning pools timers lights main body liners structural defects covers lter grids concrete encased or underground plumbing electrical or fuel lines geothermal solar or solar assisted water heaters and their respective plumbing and equipment wood encased or otherwise inaccessible parts any unit with an independent boiler system habitat spa or similar type unit Buyer 7 Star Upgrade Sa m pl eD Crane we will cover up to 300 aggregate for fees associated with the use of cranes or other lifting equipment required pment to remove or install rooftop heating or air conditioning units Central Heat adds registers grills lters and heat lamps rs HSA will only pay for any required replacement of disposable media lters if discovered during a service call initiated due e age to a mechanical failure related to a covered central heat or central air unit HSA does not provide coverage for service initiated speci cally for normal maintenance or lter replacement as part of normal maintenance Central Air adds refrigerant recovery and non ducted air conditioners Plumbing adds faucet and shower head assemblies and their respective Component Parts including valve for shower tub diverter trip levers tub stopper assembly an sink pop up and op up assembly faucets and shower heads will be replaced with chrome builder s standard as necessary toilets rep replaced with ith like quality up to 600 per occurrence of Operational Failure accessing plumbing located in concrete cover coverage will bing be limited to 1000 aggregate Electrical adds smoke alarms garage door opener hinges springs keypads remote transmitters and garage door openers not meeting current safety standards Appliances adds refrigerator refrigerant ances refr recovery ice maker and ice beverage dispenser trash compactor lock and key assemblies bucket dishwasher racks ey dishwashe tubs liners baskets and rollers built in microwave interior lining door glass clock and shelves oven range interior lini ing clocks rotisseries racks handles knobs and dials clothes washer and dryer tubs liners baskets Code violations nd when the correction of code violation s is required to affect a covered repair or replacement of a heat heating plumbing or d electrical Component Part HSA will pay up to 250 aggregate to correct the code violation s If t there is only a code o violation and no related covered repair or replacement HSA will not pay simply to remove the violation Modi cation l charges if HSA has authorized the replacement of a water heater central heat or central air system and sheet metal fabrication plenum work or installation of a new pad for a condensing unit are necessary to com complete the covered replaceondensing ment HSA will pay 500 aggregate toward modi cation charges Permits HSA will pay the cost for obtaining permits for co HSA approved repairs and replacements up to 250 per occurrence Removal and disposa of replaced equipment when disposal er HSA replaces a covered system we will also pay the cost to dispose of the defect equipment Mismatched heating defective lso and cooling systems HSA will cover a defect or mechanical failure of a syste that was not properly matched in size system ct m or ef ciency if the defect or mechanical failure would have otherwise been covered If the mismatched system is a code ical lure ld hav violation coverage will be limited to 250 aggregate Improper installation modi cations and or repair HSA will d 50 agg Improp install proper cover a defect or mechanical failure of a system that was not properly installed modi ed and or repaired if the defect ilure proper perly or mechanical failure would have otherwise been covered If the improper installation modi cation or repair is a code ld d erwise impro i violation coverage will be limited to 250 aggregate e imited aggregat F Limitations of Liability Liability Coverage does not apply in these instances e 1 Detectable pre existing defects or de ciencies w when the Component Parts were not in Proper Working Order on t the inception date of coverage are not covered by H If on the Buyer s effective date of this contract the defect or HSA arts wo malfunction of the covered Component Parts would not have been detectable by either visual inspection and or simple mechanical test and or safety test performed by a quali ed professional the defect or malfunction may qualify for coverage For example a simple test would be a visual inspection of a heat exchanger for cracks or a carbon monoxide test 2 Abuse misuse re lightning freezing ice storms smoke water damage acts of God accident earthquake soil movement mud chemical or sediment build up fungus rot mold power failure power shortage or power outage insect or rodent damage pet damage insurable peril 3 HSA will not contract to perform service nor pay costs involving hazardous or toxic materials or asbestos nor will it pay costs related to refrigerant recapture evacuation or disposal of refrigerants or contaminants If the 7 Star Upgrade is purchased for by the buyer HSA will pay costs associated with refrigerant recovery 4 Modi cation charges or costs for metal fabrication plenum work or electrical changes necessary to satisfy the installation requirements of a new replacement unit If the 7 Star Upgrade is purchased for by the buyer HSA will pay up to 500 aggregate towards modi cation charges associated with an approved heating air conditioning or water heater repair or replacement as outlined under Section E Buyer 7 Star Upgrade 5 Providing access to a covered component or system other than plumbing or ductwork systems HSA will pay to provide access to plumbing and ductwork systems through unobstructed walls ceilings or oors only and will return the access opening to a rough nish condition HSA is not responsible for moving obstructions including but not limited to built in appliances systems cabinets tile and oor coverings or pulling and re setting a sink shower or bathtub to access a failure Any plumbing or ductwork failure requiring access through concrete stone rock or brick is limited to 500 aggregate for total repair cost including access diagnosis repair and or replacement even if the primary failure is not located within the concrete stone rock or brick If the 7 Star Upgrade is purchased for by the buyer HSA will pay up to 1000 aggregate towards a plumbing failure requiring access through concrete stone rock or brick 6 Excessive or inadequate water pressure electrical surge excessive or inadequate voltage electrical currents arti cially generated or inadequate amperage water entry along the service cable 7 Lack of capacity normal maintenance cleaning adjustments lubrication services line bleeding capacity increases G Building Codes s HSA is not responsible for any upgrades work or costs req ny c re required to comply with any federal state or local laws regulaty t curren building or zoning code requirements or to correct for code current tions or ordinances or utility regulations or to meet c d fo violations If the 7 Star Upgrade package is purchased for the buyer and the correction of code violation s is required for by heatin to affect a covered repair or replacement of a heating plumbing or electrical Component Part HSA will pay up to 250 aggregate to correct the code violation s HSA will not pay simply to remove the violation Please reference Section E rrect w 6 Central air for speci c information regarding air conditioning coverage and federal regulations HSA is not responsible regardin for service when permits cannot be obtaine nor will it pay any costs relating to permits If the 7 Star Upgrade package obtained en is purchased for by the buyer HSA will pay the cost for obtaining permits for HSA approved repairs and replacements up hased pa to 250 per occurrence 50 H Cancellation T Transfer Renewal The warranty is non cancelable by either party except for the following A The contract fees are not paid B Fraud or misnon cance representation of facts m material to the issuance of this contract C If the contract provides coverage for the seller during the listing period and the listing is withdrawn or expires Should this contract be cancelable under the laws of the state t where the contract holder resides an allowable administrative fee will be charged upon cancellation con In the event of a transfer of the legal title and ownership of the covered residence during buyers coverage the remaino ing term may be assigned to the new homeowner The assignee takes the warranty on the same terms conditions and ng ma expiration date as the assignor expirat The warranty is renewable by mutual consent at prevailing rates for an additional 12 month period from the date of the Th contract expiration HSA may at its option decline to issue any renewal or cancel any contract if the contract fees are not paid within 10 days of the due date Note if you have selected a monthly payment plan your contract will automatically renew at the expiration of this contract period Renewal customers payment of the rst installment on the renewal year premium constitutes your consent I Agency Neither the real estate broker nor the broker s sales representative is an agent of HSA Coverage is strictly determined by the warranty contract and not the representations of the real estate professional J HSA s Rights of Recovery In the event of any payment under this contract HSA shall be subrogated to all of contract holder s rights of recovery against any person or organization You shall do nothing after loss to prejudice such rights The company shall not be bound to pay any loss if you have impaired any right of recovery for loss K State Disclosures Terms of this contract that are in con ict with the statutes of the states in which this contract is issued are amended to such statutes Residents of Arkansas Obligations of the provider under this service contract are backed only by the full faith and credit of the provider issuer and are not guaranteed under a service contract reimbursement insurance policy Free Look Provision If no claim has been made and you return this contract to us within 20 days of the date the contract was mailed to you by us or within 10 days of the delivery of the contract if delivered to you at the time of sale the contract is void and we will refund you the full purchase price of the contract A 10 penalty per month shall be added to the refund that is not paid or credited within 45 days after the return of this contract to us The right to void the contract is not transferable and applies only to the original contract purchaser Residents of Illinois the purchaser of this contract may cancel this contract for a full refund less a cancellation fee within 30 calendar days of delivery of the warranty contract provided there has been no service provided The purchaser may also cancel at any time and receive a pro rata refund for the unexpired term of coverage less the value of any service provided and less the cancellation fee The cancellation fee for any cancellation will be the lesser of 10 of the contract price or 50 Any person who with intent to defraud or knowing that he is facilitating a fraud against an insurer submits an application or les a claim containing a false or deceptive statement is guilty of insurance fraud Residents of Iowa the issuer of this contract is subject to regulation by the Insurance Division of the Department of Commerce of the State of Iowa Complaints which are not settled by the issuer may be sent to the Insurance Division Purchaser Notice The person submitting this application to the service company for the purchaser is acting as a representative of the service company and not the purchaser in this transaction Any person who with intent to defraud or knowing that he is facilitating a fraud against an insurer submits an application or les a claim containing a false or deceptive statement is guilty of insurance fraud RESIDENTS OF WISCONSIN THIS WARRANTY IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE Cancellation The purchaser of this warranty may within 15 calendar days of the delivery of the warranty contract reject and return the warranty contract for a full refund less actual costs or charges needed to issue and service the warranty contract Any person who with intent to defraud or knowing that he is facilitating a fraud against an insurer submits an application or les a claim containing a false or deceptive statement is guilty of insurance fraud Rights of Recovery you will be made whole before the company may seek recovery of any subrogation interest Notice of loss per Wis Statute 631 81 operational failures that have occurred on or before expiration of this contract may be reported to HSA after the expiration of the contract so long as 1 Notice of the operational failure is given to HSA as soon as reasonably possible 2 the failure to provide notice prior to the expiration of the contract does not prejudice HSA and 3 it was not reasonably possible to provide notice prior to the expiration of the contract HSA will determine if this notice meets these criteria based on individual circumstances presented to HSA In Illinois Iowa Maine Massachusetts Texas Utah Wisconsin HSA operates through its subsidiary Home Security Association Inc
SAMPLE CONTRACT 10. PERMANENTLY MOUNTED ELECTRONIC AIR CLEANER - COVERED  transformer, power pack, switches, wires and ele...
A P P L I C AT I O N Four easy ways to enroll 1 Online 2 Phone 3 Fax www onlinehsa com 1 800 367 1448 1 877 638 1741 Warranted Property Required 4 Mail with payment to HSA 1861 Ludden Dr Cross Plains WI 53528 CONTRACT NUMBER STREET DATE ASSIGNED CITY STATE ZIP Fax E mail MW2012 03 12 012 FORM NUMBER Real Estate Professional Information Please send warranty confirmation by Telephone application Mail en ts Select coverage desired NAME Seller Buyer Coverage 75 Deductible 1 100 Deductible Single family residence FAX Required 390 360 Duplex COMPANY NAME 390 Condominium E MAIL ADDRESS 420 68 680 620 940 850 1200 1080 Triplex TELEPHONE Fourplex OFFICE STREET ADDRESS eD oc um New Construction Coverage begins one year after closing nstruction Coverage be ruction STATE Seller Information Please send warranty confirmation by E mail Mail ZIP Year 2 ar 420 N A ar Year 2 through 4 CITY 520 N A New Construction New Construction Call for optional coverage pricing 1 800 367 1448 Optional Optional Seller C Coverage NAME TELEPHONE Central heat air conditioning heat pump h heat 60 Optional Buyer Coverage Optional B E MAIL ADDRESS ESCROW CLOSING TITLE COMPANY Septic system 45 40 30 Roof leaks Closing Information 45 Home freezer ZIP STATE 40 Electronic air cleaner CITY W Wate Water softener Water well pump W MAILING ADDRESS If different from warranted property 45 Sa m pl Hot tub CLOSING AGENT E MAIL ADDRESS FAX Required TELEPHONE OFFICE STREET ADDRESS CITY STA STATE ZIP Buyer Information tion Please send warranty confirmation by ation on NAME E mail E Mail CLOSE DATE TELEPHONE E MAIL ADDRESS MAILING ADDRESS if different from warranted property CITY STATE ZIP 150 Swimming pool 150 Pool hot tub combination must share common mechanicals 175 Buyer 7 Star Upgrade Subtotal Sales Tax NE 6 Total payment due at closing Signature ________________________________________________________________ Date ________________________ Please mail payment in with application If the upgrade package has been selected and the property is a multiple family dwelling the upgrade must be purchased for each unit Purchase Agreement When seller coverage is selected seller agrees to pay the fee shown on the date legal title transfers to the buyer This agreement is binding and may not be cancelled If seller fails to pay the specified fee seller shall be liable for all attorney fees and court costs incurred by HSA to collect the fee By application for this contract seller and or buyer represent that to the best of their knowledge all items are in good working order on the date of application for this coverage Further seller and or buyer agree that failure to notify HSA prior to repair or replacement of any covered item may result in a refusal of coverage on that item HSA discloses to the purchaser of this warranty and the purchaser consents and acknowledges by his her signature that the employing broker may receive a minimal fee for services rendered in marketing or administering the sale of this warranty plan Coverage Desired WAIVER Purchase of this coverage is not mandatory HSA is not the only warranty available No other services are contingent upon the purchase of the warranty I have reviewed the Home Warranty Protection plan and hereby decline coverage I agree to hold the real estate broker and real estate professional harmless in the event of a subsequent mechanical failure which otherwise would have been covered under the warranty plan 149 Applicant signature Seller and Buyer Coverage Buyer Coverage Only Date Coverage Limitations Some limitations and general exclusions apply to covered items Please read the Sample Contract section of this brochure for details
A P P L I C AT I O N Four easy ways to enroll 1. Online  2. Phone  3. Fax  www.onlinehsa.com  1-800-367-1448  1-877-638-17...
Agency Disclosure Notice and Consent to Dual Agency m en ts Our Company is pleased to assist you in connection with the purchase and or sale of real estate The Jill Monnahan following will govern the terms of your relationship with ______________________________________ as its Appointed Designated Agent to represent ______________________________________ in connection with the possible purchase and or sale of real estate Term of client shall hereafter refer to buyer seller landlord tenant optionor or optionee Only the Appointed Designated Agent will rep ll represent the Client s named above together with any additional Appointed Designated Agent who may be design designated by ay desig our company hereafter No other Broker or Sales Associate affiliated with our company will be acting as an ny y a Agent for the Client s named above It is the policy of our company to offer real estate services exclusi exclusively ate exclus through Appointed Designated Agents with respect to Iowa Illinois real estate The Appointed De Appointed Designated he Appointed Des Agent and other company Sales Associates may provide services simultaneously to other parties involving ously ly partie the same real estate When representing the Buyer our company and the Appointed Desi Appointed Designated Agent will generally be offered and will accept a commission from the Seller or the Seller s re estate Agent real ller r r who may not be a Client of our company or the Appointed Designated Agent It is the po policy of our company ted to reciprocate with other Broker s offers to cooperate and compensate It is also the policy of our company to nsate te po p neither offer subagency to or accept subagency from cooperating Brokers erating ing Sa m pl e Do cu DUTIES TO ALL PARTIES LL A real estate agent including the Appointed Designated Agent has the following duties to all parties to a nated d transaction regardless of which party the agent represents t presents A To provide real estate brokerage services to all parties to the transaction honestly and in good faith es B To diligently exercise reasonable skill and care in providing brokerage services to all parties ll provi provid C To disclose to each party all material adverse facts that the agent knows except for the following eri tha 1 Material adverse facts known by the party own y e 2 Material adverse facts the party could discover through a reasonably diligent inspection and co cou d disc which would be discovered by a reasonably prudent person under like or similar circumstances covered overed reaso reason 3 Material adverse facts the disclosure of which is prohibited by law ts D Material adverse facts that are known to a person who conducts an inspection on behalf of a party A acts material adverse fact means an adve fact that a party indicates is of such significance or that is adverse se ad generally recognized by a real es estate cognized nized esta agent as being of such significance to a reasonable party that it affects or would affect a party s d decision to enter into a contract or agreement concerning a transaction uld or affects or would affect a p party s decision about the terms of a contract or agreement cts E To account for all propert coming into the possession of the agent that belongs to any party within property prope a reasonable time of receiving the property re DUTIES TO A CLIENT In addition to the r estate agent s duties to all parties as provided above a real estate agent including real the Appointed Designated Agent has the following duties to the agent s client s D A To place the client s interests ahead of the interests of any other party unless the agent is acting as a disclosed dual agent as discussed below B To disclose to the client all information known by the agent that is material to the transaction and that is not known by the client or could not be discovered by the client through a reasonably diligent inspection C To fulfill any obligation that is within the scope of the agency agreement except those obligations Page 1 of 2
Agency Disclosure Notice and Consent to Dual Agency  m  en ts  Our Company is pleased to assist you in connection with the...
that are inconsistent with other duties that the agent has under the law D To disclose to the client any financial interests the agent or the brokerage has in any business entity to which the agent or brokerage refers a client for any service or product related to a transaction m en ts DUTIES OF A DISCLOSED DUAL AGENT An Appointed Designated Agent may legally represent both the seller and the buyer in a transaction but only with the prior knowledge and the written consent of both parties This is called Dual Agency The Appointed Designated Agent will be acting as a Dual Agent when he or she represents both the owner seller and the prospective buyer This means that when the Appointed Designated Agent is the listing agent and the selling agent the Appointed Designated Agent will be representing both parties simu simultaneously When acting as Dual Agent the agent has the same Duties to All Parties and Duties to a Client as set Clie Clien forth above EXCEPT a Dual Agent may not and does not have a duty to place one client s interests a ient s ent s ahead of the interests of the other client Representing more than one party to a transaction may prese a present nsaction ction pres conflict of interest since both clients may rely upon Appointed Designated Agent s advice and Buy and Buyer ent s s Seller s respective interests may be adverse to each other The Appointed Designated Agent will endeavor esignated nated to be impartial between both parties and will not represent the interest of either party to the exclusion or ither detriment of the other party Appointed Designated Agent will act as a dual agent only w the written with s consent of ALL parties in the transaction cu By signing this agreement the client agrees that the Appointed Designated Agen may act as a Disclosed ed Designated Agent Designated Dual Agent when the agent represents both the seller owner and the buyer Parties are not required to wner er participate in Disclosed Dual Agency pl e Do ACKNOWLEDGEMENT AND CONSENT TO AGENCY DUAL AGENCY ONSENT NSENT AGE I We acknowledge that I we have read this document and tha our company and the that s Appointed Designated Agent have made full disclosure of the client s the Appointed Designated Agent th represents the duties of a real estate agent to the parties and the type of representation the agent will nt an provide I We consent to the Appointed Designated Ag ointed esignated Agency policy and the designation of the above A referenced agent as our Appointed Designated Agent I We have read and understand this statement ed Designate Agent Designat have asked questions I we have deemed appropriate regarding this disclosure and agreement and I ave appr appro we acknowledge signing and receiving a copy of this document before receiving any specific d cop assistance from the Appointed Designated Agent or making or accepting an offer which ever is sooner ointed Designated Age ted Designated A m If you do not understand all the terms of this document seek legal advice before signing nderstand erstand te Sa Buyer s or Seller s Signature s Signatu Signature Appointed Designated Agent s Signature _______________________________________ ______ ________ Printed Name me Jill Monnahan _______________________________________ Printed Name _______________________________________ Signature Date _______________________________________ Signature Date _______________________________________ Printed Name _______________________________________ Signature Date November 12 2009 M Forms Agency Disclosure Page 2 of 2
that are inconsistent with other duties that the agent has under the law  D. To disclose to the client any financial inter...
Family of Services Affiliated Business Disclosure Per Section RESPA 12 U S C 2607 Client s Name _________________________________________________________________________________________ Phone Number ____________________________________ Email _____________________________________________ Ruhl Ruhl REALTORS Sales Associate ___________________________________________________________________ en ts This form is presented to all clients as required by law and provides you with notice that Ruhl Ruhl REALTORS has estabREALTO ALTO lished a business relationship with Ruhl Mortgage Nelson Brothers Agency and American Home Shield Inc AHS hield AH perts ts Ruhl Mortgage is an affiliate of Ruhl Ruhl REALTORS Our mortgage professionals are experts in their field Fees normally charged to you by Ruhl Mortgage include any loan orgination fee and discount points that accomp accompany unt accom the interest rate you choose as well as an application fee commitment fee flood certification fee and tax service fee ation servic servi m Nelson Brothers Agency offers our clients a full range of personal lines insurance plans including homeowners and auto covnce ho erage from a number of different insurance companies Similar to the mortgage company Nelson Brothers Agency can make age many different insurance programs and options available to you at competitive prices There is of course no fee charged by titive e is Nelson Brothers Agency other than the cost of the insurance policy coverage chosen by you verage ge Do cu American Home Shield AHS provides home protection plans that may cover the repair or replacement of many home applirep ances and systems some of which are known to break down resulting in costly repairs An AHS Home Protection Plan can ulting rep re help you avoid unexpected bills on your covered items and the stress related to finding a solution We recommend that all propfin erties be covered to protect both the buyer and seller from some of the risk associated with a real estate transaction m me asso ass be ben It is important that you understand that Ruhl Ruhl REALTORS may benefit financially from your use of the services and prodal kn ucts offered by these affiliated companies It is also important to know that your Ruhl Ruhl REALTORS sales associate hoice y a receives no financial benefits from your choice of any of these affiliated businesses pl e ny servic You are under no obligation to use any of these services and may select a different service provider s e facil fa The following recommendations are made to help facilitate a smooth transaction Sa m Legal Representation Ruhl Ruhl REALTORS recommends that each party in a real estate transaction obtain legal represenhl Ruhl REALTOR re Ruhl tation by selecting an attorney specializing in real estate as our agents are not attorneys and cannot provide legal advice orney y r rea Property Survey The only way to verify the property boundaries on site is to have the property surveyed e verif ben benef Whole House Inspection The benefits of a whole house inspection include 1 identifying problem areas in the home that e Inspection may need to be addressed 2 determining the best course of action for problem areas and 3 possibly saving thousands of dolo det deter lars and time by identifying nee needed repairs n The benefits of a whole house inspection have been explained to me us ho hous By signing below I we acknowledge that I we have read and understand this notice Client _____________________________________________________________ Date ______________________________ Signature Client _____________________________________________________________ Date ______________________________ Signature In connection with our services your contact information may be shared with our Family of Services to provide you with the best real estate experience possible Your information will not be shared with any third party entity not disclosed here You may receive marketing materials via email or phone M Real Estate Forms Master Docs Family of Services Affiliated Business Disclosure 8 13
Family of Services Affiliated Business Disclosure  Per Section    RESPA, 12 U.S.C 2607   Client   s Name  ________________...
Seller Services Guarantee Seller s ________________________________________________________________________________________ Seller s Address _________________________________________________________________________________ Email Address ___________________________________________________________________________________ Sales Associate _____________________________________________ Phone Number _________________________ _____ m en ts Sales Associate Email Address __________________________________________________________________________ ______________ This Ruhl Ruhl REALTORS Seller Services Guarantee is the commitment mmitment that Ruhl Ruhl and your Ruhl Ruhl Sales Associate will perform the services stated be below 1 Agency Representation 8 Home Enhancement and Inspections ancement ement Inspe We will review the agency alternatives and representations that are available to you and to potential buyers Seller Agency Buyer Agency and Disclosed Dual Agency The representation of your interests and my role as your agent in the different agency relationships will be thoroughly presented to you for your consideration We will develop a plan to enhanc your property s ability to velop op enhance uyers rs s attract buyers We will also su suggest inspections to enhance etability the marketability of your h home cu 2 Marketing Action Plan We will list your property in the local Multiple Listing Service The in information will be submitted by the date we have selected for the property s debut on the market to selecte achieve m achiev maximum impact Do We will present to you an action plan for marketing your ing property This may include an open house to be conducted ew when appropriate and as agreed to in advance with you 3 Competitive Market Analysis 9 Multiple Listing Service S pl e We will provide you with a current Competitive Ma nt Mark Market mo Analysis and will assist you in determining the most effective list price for your property operty rty 4 Financing Alternatives ves Sa m We will show you various financing alternatives for buyers arious us alternat alternati d like of your property and discuss the likely impact of each alternative concerning your sale We w also assist you in cerning ning will getting pre approved for financing o your next home of approved 5 Estimated Proceeds ated ted We will furnish you with a estimate of the proceeds you ish h wi an can expect from the sa of your property based on the m sale s information provided by you ed 6 Ruhl Ruhl Sales Team We will present your property to the Ruhl Ruhl sales team We will share with you the team s recommendations to help you realize the best price for your property 7 Promotion to Other Brokers We will promote your property to other brokers and sales associates in the area 10 10 Ruhl Ruhl Home Services O Our website RuhlHomes com will provide you with top quality home services vendors for any home related product or service you may need to get your home market ready RuhlHomes com Vendors 11 Property Information We will make information on your property available to local and out of town buyer prospects Additional copies will be available for sales associates and prospective buyers at your property 12 Direct Marketing We will distribute promotional materials on your property to key market areas to attract potential buyers 13 Ruhl Ruhl Sign We will place a Ruhl Ruhl FOR SALE sign on your property to help generate calls to our office from prospective buyers 14 Advertising Internet Marketing We will review with you our advertising program including RuhlHomes com and Mobile Ruhl designed to generate buyer prospects for your property We will also provide a Guided Tour on RuhlHomes com and Realtor com at no additional cost Additional advertising options to be determined
Seller Services Guarantee Seller s   _____________________________________________________________________________________...
15 Mobile Ruhl 20 Home Selling Process We will market your property on Mobile Ruhl which allows potential buyers to search for properties from anywhere through their cell phone RuhlHomes com MobileRuhl We will provide you with a copy of the steps in the buying and selling process and explain how you can use it as a road map as you move through the events involved in selling a home RuhlHomes com Process 16 Relocation Services As principle broker for the country s largest relocation referral network we ll provide more exposure for your home and greater access to incoming transferee information on your new city a cost of living comparison help with the process of applying to be pre approved for a mortgage in your new city prior to a visit 21 Qualifying Buyers We will seek financial qualifying information on all buyers submitting a purchase agreement Our goal will be to seek buyers who have been pre approved by reputable lenders 22 Purchase Agreements and Negotiation Assistance tiation en ts We will review all purchase agreements and we will greements negotiate on your behalf to reach a purchase agreem with agreement terms that are acceptable to you ou 23 Legal Compliance We will explain to you how an AHS Home can help you avoid unexpected bills on covered systems appliances during the listing period and reduce your liability after the sale A home may marketability of your home We take pride in our work and will do ou best to ensure that ork our you are provided with all necessary paperwork and d neces disclosures during your selling experience We will endeavor ng exp to notify you of any deficiencies but we always encourage deficienci ts our clients to engage legal representation to ensure the y legality and enforceability of all documents and agreements um 17 AHS Home 3URWHFWLRQ 3ODQ 24 Closing the Sale 4 Sal 18 Seller s Written Property Disclosure We will monitor and inform you of the progress of the monito transaction including the satisfaction of all contingencies and conditions during the entire transaction conditio eD oc We will present your written disclosure regarding the condition of your property to buyer prospects You will keep p me informed of any changes in the property condition and ion keep the information current on the disclosure form rm We can assist you with bids to remedy disclosed faults if ults requested in an offer to purchase 19 Marketing Activity Report Sa m pl By providing your email address we will supply a ress Marketing Activity Report to keep you informed of inf competitive market conditions buyer activity web ditions a s traffic and the actions we have taken to market your property 25 After Sale Services Af We will contact you after the closing to ensure your satisfaction with your new home We will also send you our quarterly Facts Trends Newsletter to keep you up to date on real estate trends in your area Our Home Services Vendors are available to you for as long as you own your home RuhlHomes com Vendors 26 Service Satisfaction Survey We will provide you with a confidential opportunity to give an evaluation of our services Should Ruhl Ruhl REALTORS not perform the services as stated above you are entitled to terminate the Listing Agreement Ruhl no ermination mu Written termination notice must state reason s for termination and must be presented by you in person to the Office Manager You also agree to provide Ruhl Ruhl with an opportunity to correct the situation within a 48 hour period following the delivery of the termination notice If our Listing Agreement with you is terminated the termination he provisions of the Listing Agreement shall apply he Listi If during your home selling process you have any questions or concerns you may reach my Office Manager ______________________________________________ at _______ _______ ____________ You acknowledge that you have read and understand the terms of the Ruhl Ruhl Seller Services Guarantee Seller ____________________________________________________________ Date ___________________________ Seller ____________________________________________________________ Date ___________________________ Sales Associate _____________________________________________________ Date ___________________________ M Forms Seller Services Guarantee 9 09
15. Mobile Ruhl 20. Home Selling Process  We will market your property on Mobile Ruhl which allows potential buyers to sea...
Disclosure Lead DVHG 3DLQW Seller s must read initial and sign prior to signing Listing Agreement Purchaser s must read initial and sign prior to signing Purchase Agreement Seller and Purchaser agree that this form shall be an attachment to any Purchase Agreement between them for this property Property Address ___________________________________________________________________________ Street City State Zip Do cu m en ts LEAD WARNING STATEMENT Every Purchaser of any interest in residential real property on which a residential dwelling was built prior to 1978 is notified that such property may present exposure to lead from lead based paint that may place young children at risk of developing lead poisoning Lead poisoning in young children may produce pe permanent y neurological damage including learning disabilities reduced intelligence quotient behavioral proble havioral problems and impaired memory Lead poisoning also poses a particular risk to pregnant women The Seller of any interest in he in residential real property is required to provide the Purchaser with any information on lead based paint h hazards from ead based risk assessments or inspections in the Seller s possession and notify the Purchaser of any known lead based paint lea hazards A risk assessment or inspection for possible lead based paint hazards is recommended prior to purchase p SELLER S DISCLOSURE Seller s MUST Initial Both A and B and Check i or ii under Both A and B k ii _____ _____A Presence of lead based paint and or lead based paint hazards check i or ii below ds azards i Known lead based paint and or lead based paint hazards are presen in the housing explain present ______________ ______________________________________________________________________________ ______________ _____________________________________________________________________________ ii Seller has no knowledge of lead based paint and or lead bas paint hazards in the housing int lead based b _____ _____B Records and Reports available to the Seller check i or ii below ith i Seller has provided the Purchaser with all available re records and reports pertaining to lead based ards paint and or lead based paint hazards in the housin list documents below housing ______________________________________________________________________________ _______________ ______________________________________________________________________________ ________________ ii Seller has no reports or records pertaining to lead based paint and or lead based paint hazards in ecords the housing pl e PURCHASER S ACKNOWLEDGMENT Purchaser s MUST Initial C and Check i or ii under C Purchaser s MENT Purcha s M heck un MUST Initial Both D and E and Check i or ii under E aser _____ _____C i Purchaser has received c copies of all information listed above OR ii No records or reports were available _____ _____D Purchaser has received the pa pamphlet Protect Your Family From Lead in Your Home _____ _____E Purchaser has check i or ii below ser o i Received a 10 c calendar day opportunity or mutually agreed upon period to conduct a risk inspection for the presence of lead based paint and or lead based paint hazards OR assessment or insp ii Waived the opportunity to conduct a risk assessment or inspection for the presence of lead based paint and or lead based paint hazards lead base S S ACKNOWLEDG AGENT S ACKNOWLEDGMENT Listing Agent LA and Selling Agent SA MUST Initial as Noted _____ F Listing Agent has informed the Seller of the Seller s obligations under 42 U S C 4852d and is aware of Listi LA his her responsibility to ensure compliance his _____ _____ G G The Listing Agent and Selling Agent whose initials appear on this form have assured compliance with SA LA the Lead Based Paint Disclosure requirements by the use and completion of this disclosure form CERTIFICATION OF ACCURACY The following parties have reviewed the information above and certify to the best of their knowledge that the information they have provided is true and accurate __________________________________ __________ __________________________________ __________ Seller Date Purchaser Date __________________________________ __________ __________________________________ __________ Seller Purchaser Date Date __________________________________ __________ __________________________________ __________ Listing Agent Selling Agent Date To be completed by Client ONLY except initial and signature Date M Real Estate Forms Disclosure Lead Based Paint 5 2011
Disclosure - Lead  DVHG 3DLQW  Seller s  must read, initial and sign prior to signing Listing Agreement. Purchaser s  must...
p m a S e l 6 2009 2009 Licensed radon measurement specialists in Iowa can be found by foun fou going online to www idph state ia us eh radon asp and searching the h radon asp don asp sea search lists of certified radon measurement specialists by county or by license pecialists ialists o number Additional radon information is available from the state mation n fr radon program at 800 383 5992 EPA s Web site www epa gov radon PA s w www and the American Lung Association Web site at ww ciation w www lungusa org s t SELLERS BUYERS An YE YERS AND N e SHEET FACT FA m u c o D RA RADON IOWA RADON HOME
p m a S  e l  6 2009  2009  Licensed radon measurement specialists in Iowa can be found by foun fou going online to www.id...
l p What are the Health Effects of Radon s fR There is overwhelming scientific evidence that exposure to elevated levels of radon causes lung cancer in humans Radiation emitted from S m a How does Radon get into a home Warm air rises creating a small vacuum in the lower areas of a house o Radon moves through and into the home as air moves from a higher me fro pressure in the soil to a lower pressure in the home Ra Radon gas seeps ssure re R into a house the same way air and other soil gases ent enter from the soil r e around and under the home and through cracks in the foundation floor through t or walls hollow block walls and openings around floor drains pipes ls s ar aro and sump pumps and through crawl spaces h spaces s t Additional Information Additional information about radon is available from the state radon program at 800 383 5992 and EPA s Web site www epa gov radon or the American Lung Association Web site at www lungusa org Ho How can elevated levels of Radon be fixed Licensed or credentialed radon mitigation contractors can install a radon mitigation system that provides a permanent solution A typical radon mitigation system includes a suction point that addresses the soil underneath the structure A home that has been mitigated will usually have a much lower radon level than the EPA s action level of 4 picocuries per liter Addressing residential radon issues is an excellent step toward assuring good indoor air quality A list of licensed radon mitigation contractors can be obtained from the state radon program by going online to www idph state ia us eh radon asp and then clicking on the list of Iowa credentialed radon mitigation specialists by county A radon information packet can also be obtained by calling 1 800 3835992 How do Home Buyers in Iowa fi uyers ers find out if a home they are purchasing has elevated levels of Radon s elevated lev Home buyers interested in purchasin a home can test the homes for terested purchasi ested purchasing radon by contacting a licensed or certified radon measurement ontacting ing license specialist They can find a list of licensed radon measurement hey specialists by going online to www idph state ia us eh radon asp and sts t hing ng Iow searching the list of Iowa radon measurement specialists by county or by contacting a realy ontacting real e real estate professional for help on finding a radon testing professiona ing professional Remember the IDPH the Environmental Agency the American Lung Association and the Protection Age General recommend radon testing all new and existing Surgeon Gen homes for radon in Iowa before they are sold or before they are fo transferred to a different owner transfer radon can cause cellular damage that can lead to cancer when it strikes living tissue in the lungs Radon is the first leading cause of lung cancer in nonsmokers and the second leading cause of lung cancer ut 21 overall It is responsible for about 21 000 deaths every year in the US erm expo m exposu EPA also estimates that long term exposure to radon potentially causes ach ch approximately 400 deaths each year in Iowa Iowa n e m u c o D e The primary source of high levels of radon in homes is in the soil below and soil surrounding the home It is found in new and old ld homes and in homes with and without basements Based on data collected from radon home tests the Iowa Department of Public Health IDPH estimates that as many as 5 in 7 homes or greater reater than 50 70 across Iowa have elevated radon levels Radon levels don vels can vary from area to area and can vary considerably from house to ly y house even on the same street and neighborhood A high and low d lo level of radon can be found in homes directly next to each other xt o Where is Radon found in Iowa EPA has identified all counties in Iowa as Zone 1 Zone 1 counties have a predicted average indoor radon screening level of more than 4 pCi L picocuries per liter The total average indoor radon level in Iowa is 8 5 picocuries per liter pCi L of air and in the United States it is 1 3 pCi L of air Average radon levels of 4 pCi L are considered elevated and remediation is recommended What is Radon Radon gas occurs naturally in the soil and is produced by the radioactive breakdown or decay of uranium and radium Long ago glacial activity left behind ground up deposits of many minerals such as uranium in the soil or upper crust in Iowa Because radon is a gas it can seep into buildings including homes It is an odorless and invisible gas that is also radioactive and harmful to humans when inhaled
l p  What are the Health Effects of Radon  s fR There is overwhelming scientific evidence that exposure to elevated levels...
Residential Listing Contract en ts I We request that Co ______________________________________ or any of its employees agents or associates select prepare and complete the form documents as authorized by Iowa law or by the Iowa Supreme Court Rule such as purchase agreements groundwater haza and declaration hazard of value incident to a residential real estate transaction The signing of this Contract creates important rights and liabilities on the part of both the ities Seller s and the Buyer s If you have concerns regarding your rights and liabilities you are encouraged to seek competent legal advice etent advice _________________________________________________________________________ Iowa Dated __________________________________ ______________________ __________________ In consideration of your agreement to list and endeavor to sell I hereby grant to you a licensed real estate broker the sole and exclusive right to sell er exclusi exclu the following real estate located in______________________________County Iowa and locally known as address ddress ________________________________________________________________________________________________________________________ ____________________ _______________ FOR THE LIST PRICE OF ___________________________ cu m COMMISSION Should the property or any part thereof be sold or exchanged or Buyer s be found therefore by you and any other person at the s e y price specified herein or any other price or terms which I may authorize or accept I agree to pay you at the time of closing a commission t of__________ of the SALE PRICE with a minimum fee of ________________commission whichever is greater Should a bonafide offer be made mmission ission gr by a ready willing and able Buyer s meeting the terms of this contract and I fail to fulfill this agre agreement then I shall pay you the agreed ail commission in full upon demand Should other property be accepted by me in exchange I hereby consent to you representing and accepting compensation from all parties to the transaction CONVEYANCE I also will promptly deliver to you a complete abstract showing good and merc merchantable title to the date of transfer and execute a act wing mer warranty deed to the property for delivery to the Buyer s or enter into a contract for deed to Do MARKETING I authorize the placing of a lock box on this property In order to show the p erty ty property you and your agents shall have access to it at all reasonable times and I will give you all possible assistance in making a sale of the property You are authorized to place a For Sale sign on the n prop property You are authorized and directed to submit this listing to the Multiple Listing Service of The Cedar Rapids Area Association of his Multip participants to REALTORS to be published and disseminated to its p cipants and to report t the Multiple Listing Service and its members both before and after the sale any information concerning price and terms o sale encumbrances and financing as they may request You are authorized to list the of ale encumbrance encumbran property including display of photos videos and or Virtual Tours on the internet r rtual T To inte inter MORTGAGE INFORMATION I authorize you to contact the following lender s and instruct the same to provide to you with all pertinent th llow information regarding this property such as the mortgage status loa balances escrows and payments etc loan e First Mortgage Lender ________________________________________________ Mortgage Number ________________________________ _______________________ __________________ Second Mortgage Lender _______________________________________________ Mortgage Number ________________________________ ________________________ __________________ EXCLUSIVE RIGHT TO SELL This listing shall be designated as an Exclusive Right to Sell listing We authorize the listing broker as the ELL b exclusive entity to sell our property but further authoriz and direct the listing broker to cooperate with other brokers including buyer s brokers in authorize perty author the sale of this listed property and to compensate suc brokers out of the commission provided for herein such operty y NON DISCRIMINATION This property is off offered without regard to race color sex sexual orientation gender identity creed religion national ATION ON origin handicap and familial status I furt further amilial furthe recognize authorize and direct that the property be marketed in full compliance with all applicable federal state and local statutes regulations and ordinances relating to fair housing regulatio EARNEST MONEY It is further un understood that out of any forfeited earnest money 100 shall go to the Seller s The Seller s agree s to be bound by the terms of the Initial Pr Property Inspection Form of the Cedar Rapids Area Association of REALTORS relative to property repair issues erms REPRESENTATION As th Seller s I We will furnish to you the information concerning this property via this listing contract and the Seller s N the Property Disclosure Document and I represent to the best of my knowledge and belief that such information is true and accurate I further agree to ocum inform you of any changes affecting this property or its condition and in a timely manner agree to amend the Property Disclosure Document of any such changes during this contract period If it is established that such information and or representation is incorrect or untrue I agree to indemnify and hold you harmless from any and all loss damage or expense in connection therewith including court costs and reasonable attorney s fees I further agree the listing company and its agents accept no responsibility for care custody or maintenance of the listed property unless an agreement to the contrary is signed by all parties Seller s Initials____________________________ Form 010 Residential Listing Contract Page 1 of 3 Copyright Cedar Rapids Area Association of REALTORS Revised 11 12 2014 Serial 008603 400142 2480759 Prepared by Jill Monnahan Ruhl and Ruhl Real Estate 01 JillMonnahan IowaRealty com
Residential Listing Contract  en ts  I We request that  Co.  ______________________________________ or any of its employee...
Form 010 Residential Listing Contract Page 2 of 3 Subject Property Address _________________________________________________________________________________________________ TERMINATION AND PROTECTION PERIOD This contract shall terminate at 11 59 P M on date _________________________except that if the property shall be sold rented or exchanged within________days after the termination of this listing or any extension hereof to any party to whom I you or any other licensed real estate broker or any other person has presented it while it was listed I will pay you the commission specified above However I shall not be obligated to pay such compensation if a valid listing contract is entered into during the term of the said protection period with another licensed real estate broker and a sale lease or exchange of the property is made during the term of the stated protection period This listing will automatically be extended through the closing date of a Purchase Sale agreement that was accepted during the listing agreement GENDER AND NUMBER Words and phrases herein shall be construed as in the singular or plural number as masculine feminine or neutral gender as may be indicated by the context hereof DATA SHEET CHANGES I hereby authorize the agent to make incidental changes to the data entry sheet for marketing purposes ________________________________________________________ ___________ ______ Seller s Legal Name Please Print _____________________________________________________________ Seller s Signature ________________________________________________________ ____________________ _________________ Seller s Signature _____________________________________________________________ Real Estate Company ________________________________________________________ _____________________ _________________ Authorized Listing Agent ng nt en ts _____________________________________________________________ Seller s Legal Name Please Print Do cu m Data Entry Information on All fields are required unless marked with a not required abbreviation nr Property Type Condo CON Single Family SFM Zero Lot ZER Area Corridor CDR Hiawatha Robins H R OT E east of I 380 Marion MAR R OT W west of I 380 NE NW N SE SW Iowa City Coralville IC C y Coralville ville ________________ Address _______________________________________________________________________ _________ ______________ _______________ Price City Town Parcel _____________________________ Zip Code ___________________ County ____________________ ______ ___________________________________ Gross Tax __________ Net Tax __________ ______ __ T Tax _____________________________________________________________________________ __________ ___________ __ _______________________________________________________________________________________ _________________ _____________ R Y N Lot Size _________________ Acres ______ ____ Restricted Listing _________________ ____________ Owner Lessor _______________________________________________ Owner Phone _____________________ NR pl e Legal Description ________________ ____________ Listing Office _________________________________ Agent Name _______________________ 1 2 1 same as MLS login m Co Listing Office _______________ Co List Agent Name _______________________ 1 2 1 same as MLS login __________ _______ _ Age ___________ Dual Commission Y N Incremental Commission Y N _______ ____ Commissi _______________ ________________ Agent Remarks _____________________________________________________________________________ ______________________________________________________________________________________ _________________ ______________ ______________________________________________________________________________________ _________ ___________ Possession ___________________ List Date ___________________ Expire Date ____________________ _____ ______ Lwr Lvl 1 Lvl 2 Lvl 3 Total Total Rooms ____ Elem School ______________________________ Sa CCB SOC Bedrooms __ __ __ __ __ Abv Grd Fin SqFt __________ Middle School Full Baths __ __ __ __ __ Low Lvl Fin SqFt _________ High School Half Baths __ __ __ __ __ Assoc Year Built ________ Y N Assoc Fee New Construction Choose One Garage Size nr ____________ Bath off Master Bedroom nr Y N Y N ______________________________ ____________ To Be Built Basement _____________________________ Monthly Master Bedroom Y Yearly Zoning nr ____________ LL Level 1 Level 2 Level 3 N House Size nr ____________________ Seller s Initials____________________________ Form 010 Residential Listing Contract Page 2 of 3 Copyright Cedar Rapids Area Association of REALTORS Revised 11 12 2014 Serial 008603 400142 2480759 Prepared by Jill Monnahan Ruhl and Ruhl Real Estate 01 JillMonnahan IowaRealty com
Form 010     Residential Listing Contract Page 2 of 3 Subject Property Address ___________________________________________...
Form 010 Residential Listing Contract Page 3 of 3 Subject Property Address _________________________________________________________________________________________________ Directions you must fill this out ______________________________________________________________________________________ ____________________________________________________________________________________________________________ Builder nr ____________________________________ Taxable Value ________________ R Value Ceiling _______ Sidewalls ________ Remarks please include on separate page or email if possible to MLS CRRealtors org Include address in subject line and limit to 800 characters Features Check All That Apply 2 Car Electric Jetted Tub L Foyer 3 Car Family Room Patio 1 5 Story 4 Car or More Free Standing Satellite Dish 1 75 Story Attached Gas Sauna 2 Story Carport Great Room Screen Porch Over 2 Story Detached Kitchen Security System A frame Drive Under Living Room Sound System By Prop Mgmt Mg Contemporary Guest Parking Master Bedroom Storage Shed Start Up Fee Free Standing Heated Garage Rec Room Vaulted Ceiling eiling g Loft High Rise None Wood Burning Whole House Fan se Patio Home Villa Off Street Parking Wood Burning Stove See Remarks e marks Raised Ranch On Street Parking See Remarks Ranch Tandem Split Foyer See Remarks Wooded See Remarks Association Management 1 st Right of Refusal Righ o By Association Associatio By Developer Sa m pl eD oc um en ts Building Style Condo Lower Level Condo on 1 st Floor Condo on 2 nd Floor Condo on 3 rd Floor See Remarks Construction Elevator Dishwasher Electric Heat Exercise Room Disposal Forced Air Guest Room Facilities Dryer Gas He H Heat Handicap Features Garage Door Opener e r Ge Ge Geothermal Laundry in Unit Hood Fan od an Gravity Onsite Maint Person Microwave Hot Water Heat Pool Range LP Heat Secure Storage Area Refrigerator Oil Heat Secured Entrance Wood Trash Compactor Compac Compacto Solar Tennis Court See Remarks Washer sher Window Wall Air See Remarks W Wa Water Heater Electric Wood Heat Zoned Heating Cooling of Pets Allowed See Remarks Assoc Approval Required Water Sewer Roads Pet Deposit Required Crawl Full Partial Pour Slab Walkout Dining Features eature Frame Masonry Breakfast Bar st W Water Heater Gas Metal Frame Dining L ning W Water Softener Lease See Remarks Eat In Kitchen Water Softener Own Formal Dining ormal See Remarks Exterior Community Center Central Air Block Condo Unit Level Common Laundry Heating Cooling Appliances Included Basement See Remarks 55 Central Vac Split Level Townhouse Se See See Remarks A Association Amenities Pet Restrictions Pet Weight Limit City Sewer Pets Allowed City Water Pets Not Allowed Above ground Pool Community Septic See Remarks Cable Ready 1st Floo F 1st Floor Family Community Well Deck Concrete Block 1st Flo 1st Floor Laundry Private Street Maint Assumable Electric Fence Log 2nd Floor Laundry Public Street Maint Cash Elevator Partial Brick 3 Seasons Recorded Agreement Contract Fencing Partial Stone Septic System Conventional 4 Seasons Handicapped Features Slate Well Water FHA Den Study Heated Flooring Steel USDA Great Room See Remarks Home Warranty Stone Living Room Hot Tub Stucco Rec Room Indoor Pool Vinyl Theater Room Wood See Remarks In ground Pool Intercom Aluminum Kitchen Dining Combo Comb Brick See Remarks Cement Board Composite Additiona Additional Rooms See Remarks Garage Parking 1 Car Fireplace Miscellaneous Irrigation System Site Description Cul de sac Terms VA See Remarks Other Gated Community Golf Course Community REPO In Town Acreage Short Sale Waterfront View See Remarks Built In Seller s Initials____________________________ Form 010 Residential Listing Contract Page 3 of 3 Copyright Cedar Rapids Area Association of REALTORS Revised 11 12 2014 Serial 008603 400142 2480759 Prepared by Jill Monnahan Ruhl and Ruhl Real Estate 01 JillMonnahan IowaRealty com
Form 010     Residential Listing Contract Page 3 of 3 Subject Property Address ___________________________________________...