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BUYER SERVICES PRESENTATION
YOUR Dreams. MADE Real.Coldwell Banker Mountain Central | www.susanitadediego.com2
BUYER SERVICES GUARANTEEColdwell Banker Mountain Central Ultimate Service® Buyer Services GuaranteeYour Needs Come First If it's not right for you it's not right for us! Customized Search So that you only receive properties that meet your specific search criteria. Respectful Service Providing you with an exceptional buying experience. Market Research So that you know how much to offer, when to offer and current market conditions specific to your chosen property. T's Crossed and I's Dotted To make sure you are protected in your offer with conditions specific to your individual needs. Coldwell Banker Mountain Central | www.susanitadediego.com3
AGENCYAgency is a relationship established when two parties agree to have one party act on behalf of the other.Undivided Loyalty The Agent must act solely in your best interests, must always put your interests above the Agent’s own interests and above the interests of other parties.Confidentiality The Agent has a duty to keep your confidences. Confidential information includes any information about you, the property, or the transaction that is not required by law to be disclosed.Full Disclosure The Agent must inform you of all facts known to the Agent that might affect your relationship or influence your decision in a transaction.Obedience The Agent must obey all of your lawful instructions, as long as the instructions are reasonable and ordinary under the circumstances.Reasonable Care and Skill The Agent must exercise reasonable care and skill in performing all assigned duties.Full Accounting The Agent must account for all money and property placed in the Agent’s hands while acting on your behalf.Coldwell Banker Mountain Central | www.susanitadediego.com4
THE EXCLUSIVE BUYER REPRESENTATION AGREEMENTAs of July 1, 2014 the Real Estate Council of Alberta requires written service agreements for all Clients. It is mandatory that all Buyers - like all Sellers - must have a signed service agreement with their Sales Associate. Sales Associates Responsibilities This will allow you to know what to expect from the process. Client's Responsibilities This will allow you to know what, if any, responsibilities you have in the process. How the Sales Associate is paid The agreement clearly outlines how a Sales Associate is paid from the proceeds of sale. Coldwell Banker Mountain Central | www.susanitadediego.com5
YOUR CUSTOMIZED SEARCH MLS®BuilderPrivateFor SaleFor SaleFor SalePrivate MLS® Much more specific than public MLS® and is emailed to you as soon as it is listed. New HomesWe will be your advocate with builders.No MLS® No ProblemWe will be your advocate for non-listed properties.Coldwell Banker Mountain Central | www.susanitadediego.com6
WHY PRE-QUALIFY?Before you start to view homes it is always best to pre-qualify.Lock in your Rate If rates go up you keep the lower rate, if rates go down you get the lower rate.Search Criteria Your pre-qualification allows you to set a comfortable search price that is tailored to you. Speeds up the Process Your lender will be able to finalize the approval much quicker if you are pre-qualified. Choose your Terms You can choose to pay monthly, b i-monthly or weekly to pay down the mortgage faster.Shows Seriousness Your offer will be considered to be stronger if you are pre-qualified. Coldwell Banker Mountain Central | www.susanitadediego.com7
MORTGAGES - WHAT YOU NEED TO KNOW Mortgage Definition - A charge on land to secure the lenders interest on the property. BANK VS. MORTGAGE BROKER A mortgage broker acts as an intermediary who brokers mortgage loans on behalf of individuals or businesses. Traditionally, banks and other lending institutions have sold their own products. As markets for mortgages have become more competitive, the role of the mortgage broker has become more popular. Today in most developed mortgage markets, especially in Canada and the United States, mortgage brokers are the largest sellers of mortgage products for lenders. Mortgage brokers exist to find a bank or a direct lender that matches the clients specific mortgage loan needs. A good Mortgage broker will not only find you the best interest rate available but also explain all the mortgage terms, early pay down options, and penalties. Mortgage brokers in Alberta are licensed and regulated by the Real Estate Council of Alberta. They are paid by the lender and do not charge fees for good credit applications. CMHC - CANADA MORTGAGE AND HOUSING CORPORATION If your downpayment is less than 20% the mortgage must be insured. The premium will depend on the down payment percentage.PRE APPROVAL REQUIREMENTS 1. The lender or mortgage broker must pull your credit score.2. You must provide all necessary paperwork proving your income. This can include tax assessments, pay stubs, job letter, etc.3. You must prove you have your deposit in a Canadian Bank for a minimum 90 days.4. In most cases you cannot borrow your down payment.5. If you are receiving a gift from a family member that person must sign an affidavit acknowledging that it is a gift not a loan.Coldwell Banker Mountain Central | www.susanitadediego.com8
WHAT NOT TO DO BEFORE YOUR MORTGAGE FUNDS ADVANCE ON POSSESSION DAY Don't quit your current job or do anything to reduce your current income Don't forget to disclose if you are currently on short or long term disability Don't close accounts that have zero balances Don't co-sign a loan or mortgage for anyone else Don't stop paying your bills (including your current mortgage) Don't spend any of your down payment or money set aside for closing costs on anything else Don't pack away documents that may be required to verify income or down payment Don't make large deposits to your bank account without supporting documentation Most Importantly - keep us informed of anything that may affect your real estate transaction Don't change the status of your employment from full time to part time Don't neglect to disclose if you are on probation at work Don't forget to tell us if you are currently on maternity or parental leave or will be in the near future Don't apply for new credit or loans including "don't pay for a year" account Do not increase your credit card limit Do not apply for further credit or make any large purchases with creditColdwell Banker Mountain Central | www.susanitadediego.com9
GOVERNMENT PROGRAMS The federal government has assistance programs to help home buyers. Research government program requirements to see if you are eligible. First-Time Home Buyers' 30-year Amortization When Purchasing a New Home – Beginning on August 1st, 2024 the Canadian government will allow 30-year amortization periods on insured mortgages for first-time homebuyers purchasing newly built homes. First-Time Home Buyers' Tax Credit - a $5,000 non-refundable income tax credit on a qualifying home. The credit provides up to $750 in tax relief to assist first-time buyers with purchase costs. Home Buyers' Plan - a one-time withdrawal up to $60,000 from a Registered Retirement Savings Plan (RRSP) by first-time buyers to help purchase or build a home. Generally, you have to repay all withdrawals from your RRSP within 15 years. People who make such withdrawals between Jan. 1, 2022, and Dec. 31, 2025, are also getting more time to begin repayment — up to five years in total rather than two. CMHC Green Home program - when you use CMHC-insured financing to buy or build an energy-efficient home or make energy-saving renovations, you may qualify for a premium refund of 10% on your mortgage default insurance and a premium refund for a longer amortization period (if applicable). For more information about all of the programs please visit: https://www.canada.ca/en/services/benefits/housing and https://www.cmhc-schl.gc.ca/consumers/home-buyingColdwell Banker Mountain Central | www.susanitadediego.com10
Coldwell Banker Mountain Central | www.susanitadediego.com11
MARKET VALUEWe will provide you with the information you need to make the right offer at the right time for you - if it's a Seller's market, a Buyer's market or a balanced market.Sales of Similar Properties We will research and review with you the sales of similar properties within the same market time period. Local Market Statistics We will research and review with you the performance of the local market in the neighbourhood of your chosen property. Market Segment Statistics We will research and review with you the performance of the market segment of your chosen property. General Market Conditions We will research and review with you the performance of the real estate market in general in your chosen market area.Coldwell Banker Mountain Central | www.susanitadediego.com12
THE REAL ESTATE PURCHASE CONTRACTWe will provide you with the information you need to decide which important conditions to include in your offer such as:Financing Upon consultation with your lender we will include the appropriate subject to financing condition. Inspection We always recommend a physical inspection of your chosen property to determine if there are unknown defects. Condominium Document Review If your chosen property is a condominium we always recommend that you obtain the services of a condominium document review specialist. Real Property Report We recommend that the review of the Real Property Report occurs during the due diligence period and will include a condition with this requirement.Coldwell Banker Mountain Central | www.susanitadediego.com13
POWER IN NUMBERSThe Coldwell Banker brand is a true global force, with the power to showcase exceptional properties and reach affluent buyers around the world and in dozens of languages. Coldwell Banker Canada operates from approximately 200 locations across Canada.Coldwell Banker History in Canada• 1906 Coldwell Banker Founded• 1943 Canada Trust Opens• 1989 Coldwell Banker Opens in Canada• 1992 Coldwell Banker Acquires Canada Trust• Today Coldwell Banker Canada Operates from Coast to CoastPOWER IN NUMBERSThe Coldwell Banker® brand is a true global force, with the power to showcase exceptional properties and reach affluent buyers around the world. Through a master franchise network located in 40 countries, we offer unmatched services in their local languages.GLOBAL CONNECTIONSAndorraArgentinaArubaBahamasBermudaBritish Virgin IslandsCambodiaCanadaCayman IslandsChileCosta RicaCuraçaoCyprusDominicaDominican RepublicEgyptEnglandFranceGrenadaIndiaIndonesiaIrelandItalyJamaicaLuxembourgMaltaMexicoMonacoNetherlandsParaguay PortugalSint MaartenSpainTurkeyTurks & Caicos United Arab EmiratesUnited StatesUruguayU.S. Virgin Islands(St. Croix & St. Thomas)40COUNTRIES & TERRITORIES100,000+AGENTSGUIDING PEOPLE HOME FOR117YEARSIN SALES VOLUME IN NORTH AMERICA*DAILY LUXURY SALES*295+ BILLION288 MILLION*Based on Coldwell Banker Financial Data 01/01/2022 - 12/31/2022*Data based on closed and recorded buyer and/or seller transaction sides of homes sold for $1 Million or more as reported by affiliates of the US Coldwell Banker franchise system for the calendar year of 2022. USD$Coldwell Banker Mountain Central | www.susanitadediego.com14
100,000+ 403,000+AFFILIATED SALES AGENTSCOUNTRIES AND TERRITORIESOFFICESAndorraArgentinaArubaBahamasBermudaBritish Virgin IslandsCambodiaCanadaCayman IslandsChileCosta RicaCuraçaoCyprusDominicaDominican RepublicEgyptEnglandFranceGrenadaIndiaIndonesiaIrelandItalyJamaicaLuxembourgMaltaMexicoMonacoNetherlandsParaguayPortugalSint MaartenSpainTurkeyTurks & CaicosUnited Arab EmiratesUnited StatesUruguayU.S. Virgin Islands(St. Croix & St. Thomas)Coldwell Banker Mountain Central | www.susanitadediego.com15
COLDWELL BANKER’S ULTIMATE SERVICE®Founded in 1997Buyer Counselling Session Buyer Agency Alternatives Buyer Representation Agreement Financing Options Estimate of Funds RequiredHome Buying Process Property Search Team Property Showing Property Evaluation Offer Preparation Negotiation Strategy Condition Monitoring Review of Discovered Defects Walk-through After-Sale Service Service Satisfaction Survey Future Service98% 97%CUSTOMER SATISFACTION RATING*WOULD RECOMMEND US TO A FRIEND**Statistics Based on Over 75,000 Surveys Received From Canadian Buyers & SellersColdwell Banker Mountain Central | www.susanitadediego.com16
CURATED ADVISORS OF REAL ESTATEWhere Ethics and Excellence Unite Our advisors unite with a shared purpose: to provide consistent, elevated services using proven systems and processes, always driven by the best interests of our clients. We are guided by a common philosophy rooted in the highest ethical standards, ensuring our clients' trust and well-being remain our utmost priority. Our commitment is to deliver unwavering excellence in service, ensuring that our clients receive the same outstanding support, regardless of which advisor they choose to work with. Our approach is deeply personalized, tailored to the unique needs and objectives of each individual client and the specific nuances of their real estate transactions. Each advisor within our team contributes a distinctive set of skills and strengths, all harnessed to benefit the collective and, most importantly, our clients. We are dedicated to achieving the highest standards of client satisfaction and success, and we do so by working collaboratively, leveraging our unique expertise, and upholding the principles of integrity, transparency, and perseverance.#12022 - by oce sizeOFFICE IN CANADAColdwell Banker Mountain Central | www.susanitadediego.com17
Coldwell Banker Mountain Central | www.susanitadediego.com18
MEET OUR TEAMSusanita de DiegoAssociate BrokerMeet Susanita, the accomplished Owner of Coldwell Banker Complete Real Estate from 2006 to 2023 and now an Associate Broker with Coldwell Banker Mountain Central.HeritageAs a first-generation Canadian, Susanita's roots trace back to a fascinating blend of cultures. Born to a Panamanian Consul General father and a German mother who ventured to Canada from Scotland, Susanita's real estate journey began in Vancouver, BC, where she embarked on her career in 1987.HistorySusanita's accomplishments include a diverse array of specialties and certifications that span luxury real estate, smart homes, country residential, condominiums, international real estate, and senior's transitions. While accolades, including recognizing her as part of the top 1% in the global real estate industry, are numerous, Susanita takes immense pride in the awards bestowed upon her for exceptional client service and her team's nominations, including the Coldwell Banker Ultimate Service Award and a coveted nomination for the Better Business Bureau Ethics Award. In 2022 Coldwell Banker Complete Real Estate proudly claimed the title of the number one real estate company in the country within the Coldwell Banker Canada network in their size category. This recognition is a testament to Susanita’s team’s unwavering commitment to excellence and their dedication to serving clients at the highest level.TodayBeyond her achievements, Susanita currently serves as the Chair-Elect with the Calgary Real Estate Board and contributes her expertise to the Real Estate Council of Alberta Hearing Panel, showcasing her commitment to industry leadership and governance. As a proud member of CARE: Curated Advisors of Real Estate – Where Ethics and Excellence Unite, Susanita brings a wealth of experience and a commitment to elevated standards in the real estate industry. In every aspect of her career, Susanita remains dedicated to client satisfaction, ensuring that each real estate journey is not only successful but also marked by a personalized and caring touch.Phone: 403.630.3390Email: susanita@cbcalgary.caColdwell Banker Mountain Central | www.susanitadediego.com19
Heather FabrisRealtor®Coldwell Banker Mountain CentralHeather is a mother, wife and a career woman. She wears her heart on her sleeve, has Saskatchewan roots, and loves her life! When not working, she can be found supporting her children in their sports, or volunteering in her community. Heather moved to Alberta in 2000 to pursue an education in Interior Design. While working at a distinguished cabinet company, her passion for design propelled her to excel as one of the top sales professionals in the branch. The transition to real estate felt like a natural step to Heather. She believes buying a home should be exciting, and she also understands the emotions tied to selling one. She is dedicated to advocating for her clients, ensuring a positive and satisfying real estate experience. Heather is committed to continuous growth and expanding her real estate education with certifications such as: Global Luxury Specialist, Certified Condominium Specialist (CCS), and Resort & Second-Home Property Specialist (RSPS).Shaun SmythRealtor®Coldwell Banker Mountain CentralBorn in Glasgow and raised in Calgary, Shaun is an award-winning actor with a career spanning Toronto, Hamilton, and Vancouver. With over 100 TV episodes and 50 plays to his credit, he's left an indelible mark on the performing arts. Notable roles in series like "Suits," "Supernatural," and "Arrow" showcase his talent. Despite his international success, Shaun's love for Calgary led him to real estate. Having navigated the challenging process of finding his family's perfect home, he now shares his expertise to help others. Shaun ensures a consistent, ethical, and high-quality home buying experience, aiming to make the process as smooth and rewarding as possible. Passionate about Calgary, he believes in its boundless possibilities. Alongside his real estate endeavors, he's a championship Bagpiper, having learned the craft in Calgary and led a band to victory in Scotland. Join Shaun on the journey to build brighter futures, one home at a time.Coldwell Banker Mountain Central | www.susanitadediego.com20
THE STARNES GROUPWe are delighted to partner with the most prestigious luxury team in Calgary. The Starnes Group has sold over $1Billion in exquisite estate properties over the last nineteen years. The Starnes Group consistently ranks in the Top 1% of luxury home sales in the Calgary area and is recognized as an expert in the luxury real estate market.Rachelle StarnesLicensed Real Estate AssociatePresident & CEO, The Starnes GroupRachelle Starnes and her Team serve discriminating clients in the Calgary area, within Canada and worldwide with the utmost standards of professionalism and personal real estate service.The Team specializes in working with Buyers to find their perfect property for their personal or investment needs and works with Sellers to market and showcase their distinctive residential homes and estates in the most professional and high-level manner. The team discretely leverages their reputation and personal network they have built over the past 25 years in the Calgary area and through the worldwide Coldwell Banker global network.Rachelle’s Team is aware of “off-market” opportunities in the world’s most important locations, where the very best properties are often not publicly available. When it comes to finding a buyer for a special property, the Team carefully crafts a sales strategy, customizes proprietary marketing tools and accesses their unparalleled global network of contacts.Selling over $1Billion in exquisite estate properties over the last twenty years, Rachelle Starnes Team consistently ranks in the Top 1% of luxury home sales in the Calgary area and is recognized as an expert in the luxury real estate market.#1#22023 Coldwell Banker Canada, teams over 4+ 2023 Coldwell Banker Canada, teams over 4+ by GCITEAM IN ALBERTATEAM IN CANADAColdwell Banker Mountain Central | www.susanitadediego.com21
Leanne MacDonaldDirector of OperationsCARE Team CoordinatorSince 2012 Leanne has been an integral leader within our brokerage. Coming from a combined 27 years in the travel/hospitality industry, project management and most recently, the information technologies and non-profit sector, Leanne’s applies her impressive knowledge of technology to her position by creating consistent processes within our accounting and conveyancing departments and our web site and social media marketing. In addition to assisting with all things technological Leanne is enthusiastically dedicated to the management of our office and our sales associates.Paige MacDonaldAdministrative AssistantCARE Team AssistantPaige has been a member of our team for over 6 years, beginning while she was attending the University of Calgary. Paige provides our team with exceptional administrative services including database management, social media, digital marketing and preparing our comprehensive reports. We all appreciate her strong attention to detail and cheerful participation for any task she is asked to perform. You may notice that Leanne and Paige have the same last name. This mother-daughter duo are the ultimate joy to have on our team! Coldwell Banker Mountain Central | www.susanitadediego.com22
KIND WORDS FROM OUR CLIENTS Our entire team strives for an exceptional client experience. We are delighted to provide the following testimonials: “You guys were amazing. Always on time with a big smile and offered a lot of real estate knowledge and advise that helped us make our decisions, and you always made us feel like we were your only client with your prompt replies and attention. You and your team were amazing, and we know there are more people in the background who we didn't meet, but you were all wonderful.” — Relocation Clients - Moving to Calgary"Susanita was a pleasure to work with for both the sale or my townhouse and purchase of a new home! She made the process easy and I was very happy with the results. I highly recommend her to anyone looking to go through a home sale and purchase. Thank you for all the help!" — Jason C."We have used Susanita for our real estate needs for years and trust her 100% to lead with integrity and honesty. We were also fortunate this time to get to work with her team who exemplify the same attributes. They took care of our real estate transaction and because of their exemplary expertise and advice, we would without a doubt recommend them to anyone selling or buying a home. You will truly be in the best of hands working with Susanita and her team!" — Melinda and Shannon (June 2021)"Susanita, on behalf of my wife and I, we would like to sincerely thank you for your exceptional service, and superior market knowledge. We were amazed that we were able to complete the entire purchase process without ever having to leave our home in Ontario! Thanks to you and your team, we are now living out one of our dreams of owning an out-of-province investment property, and we will be forever grateful! Your knowledge of the market was exceptional, and landed us a property in an area which we feel will be a sound investment into the future! Hoping if all goes well, we can look to purchase more investment properties in the Calgary area, and without a doubt I will be calling you Susanita for your service and expertise!" — Mark L.Coldwell Banker Mountain Central | www.susanitadediego.com23
OVER 20,000 DOGS ADOPTED THROUGH THE HOMES FOR DOGS PROJECTColdwell Banker Mountain Central | www.susanitadediego.com24
HOMES FOR DOGS PROJECT Nothing compares to the warmth and comfort of being at home. But for many dogs across America, this feeling is foreign. According to The Humane Society, between six and eight million dogs and cats enter shelters each year. Plus, almost three million healthy shelter pets are not adopted annually, and only about 30 percent of pets in homes come from shelters or rescues. These sobering facts are what served as the inspiration the Coldwell Banker Homes for Dogs Project. After more than 100 years of helping people find homes, the real estate company extended its mission to man’s best friend with its “Homes for Dogs Project.” By partnering with Adopt-a-Pet.com, North America’s largest non-profit pet adoption website, the Coldwell Banker network has helped to find more than 20,000 dogs their furever homes.Coldwell Banker Mountain Central | www.susanitadediego.com25
CLOSING COSTSThe purchase price is just the beginning when buying a property ... Appraisal Fee Required by the lending institution to ensure the property is of sufficient security and value for the mortgage loan. Home Inspection The cost of a property inspection by a certified inspection company will depend on the size, age, type and location of the property. Condominium Document Review This service determines the financial health of the development and is in addition to or independent of the property inspection. Legal Fees Your lawyer's fee plus the disbursement costs associated with registering your mortgage.Property Tax Adjustments Depending on the time of year that you purchase your property, there may be a property tax hold-back of up to six months. You may have to increase your cash to close to accommodate this deduction.Coldwell Banker Mountain Central | www.susanitadediego.com26
WE’RE Ready WHEN YOU ARE!LET'S GO SHOPPING!We look forward to providing you with exceptional service!Coldwell Banker Mountain Central | www.susanitadediego.com27
© 2024 Coldwell Banker LLC. All Rights Reserved. Each Ofce is Independently Owned and Operated. Coldwell Banker, the Coldwell Banker logo, Coldwell Banker Global Luxury and the Coldwell Banker Global Luxury logo are service marks registered or pending registration owned by Coldwell Banker LLC. Each sales representative and broker is responsible for complying with any consumer disclosure laws or regulations. Susanita de DiegoAssociate BrokerC: 403.630.3390E: susanita@cbcalgary.caW: www.susanitadediego.com