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BUYER’S ROADMAPTO OWNERSHIPHome2024Delivering an exceptional buying experience withcare, integrity and expert market knowledge.

Our goal is to deliver an exceptional home buyingexperience to each of our clients with care, integrity andmarket knowledge.We love helping buyers find their dream home. That’s whywe work with each client individually, taking the time tounderstand their unique lifestyles, needs and wishes. This isabout more than a certain number of bedrooms or aparticular zip code. This is about your life. And it’simportant to us.O u r C u s t o m e r S e r vic e C o m m i t m e n t t o Y o u :A c h i e v e . We assist our clients to achieve the home theydesire at a price they are proud of. In addition, we create aninspiring and stress-free real estate experience.C o m m i t t e d . We have a mission to care about you and yourfamily, serve you at the highest level possible and provideyou with unparalleled customer service.N e t w o r k . We connect you to a network of resources frommortgage lenders to contractors and offer the backing ofour trusted company, Keller Williams Realty.A d v i c e . We help you compare homes and make a decision,advise you on the terms of the sale and purchaseagreement, present your offer and negotiate on your behalf.C o o r d i n a t e . We preview homes in advance on your behalf,personally tour homes and neighborhoods with you andkeep you informed of new homes on the market. We workwith you until we find the home of your dreams.WelcomePam & LaraOUR GOAL FOR YOU

PAM WALDMANLIC E NSED B ROKER & F O UNDERMEET OUR Pam is a lifelong Oregonian with over 20 yearsof local sales and marketing experience. Pamprides herself on providing the highest level ofservice and getting her clients through thehome buying process with enthusiasm andpassion. Pam is active in the real estatecommunity and sits on panels, speaks onpodcasts, and is named one of the Top KellerWilliams agents in the PNW Region. Pamplayed Division 1 soccer for the Oregon Ducks,then went on to play semiprofessionally andnow enjoys competing in various triathlonsand other racing events and spending timewith her family on the sports field.LARA JAMES LIC E NSED B ROKER & F O UNDERSince launching her real estate career in2007, Tricia has been a dedicated force in theindustry. Serving as a licensed broker for theWaldman & James team, she expertlymanages transactions. In her role asOperations Manager, Tricia ensures thatbuyers and sellers experience seamlesssupport throughout each phase of their realestate journey.Holding an MBA and over a decade ofexperience as a Principal Broker, Larapossesses comprehensive expertise inreal estate and negotiations. Hertenure at Intel, focusing on operationsfinance, lends her a distinct businessedge, setting her apart in the industry.Outside of work, she cherishes familymoments, indulges in reading, andrevels in the great outdoors. She lovessharing her knowledge of the area andmaking connections for clients.With an extensive background in multi-family housing operations, Ashley’sexpertise ensures the entire WJRG teamand all their clients are thoroughlysupported through the entire real estatetransaction. Ashley also takes great pridein fostering community and looks forwardto meeting you at future client events.Outside of the office you can find Ashleytaking in the beauty of Oregon; camping,crabbing, running and planning the nextmom’s night out.TRICIA SALYERSOPE R ATION S MAN A GERASHLEYL A R S O NE X E C UTI V E A S S I STA N TTeamWaldmanJamesRealtyGroup.com

Homeownership enriches our lives bygrounding us in a community and fosteringdeep connections with our neighborhoods. Itestablishes family stability and paves the wayfor generational wealth building. Recognizingthat a home is often one's most significantasset, our mission is to ensure you receivethe best price, under the most favorableconditions, within your desired timeframe.O u r V a l u e s :Integrity means always doing the right thingfor our clients and our team. We take ourfiduciary responsibility and our code of ethicsseriously and serve our clients at the highestlevel.Trust is the foundation for every aspect ofour business. It is earned through honestcommunication, thoughtful advice, truelistening and transparency.Great Customer Service is a cornerstone ofour business. We are driven to create clientsfor life by delivering a powerful real estateexperience through concierge services andpersonalized care.Market Knowledge is imperative in aneverchanging real estate environment. Westay on the forefront of market data and usecutting edge resources to help our clientsmake sound real estate decisions.WHY US?

OUR RESULTSO U R T R A N S A C T I O N SWith more than 4 0 0 home sale transactions totalingo v er $ 2 80 M i ll i o n in sales volume, our experience isstrong.O U R B U Y E R SIn the last year, our buyers paid 98% of the originallist price for homes.T H E R E S U L T SOur clients are consistently happy with our services,rating us consistently with 5 Star and frequently refertheir friends and family, in fact 80 % of our businessis by referral.

Reviews –MICA H & AR IPURCH ASE D I N N W P ORT LA NDWe have been thr ough the home buy ing process manytimes over the past decade, and I can definitively saythat Pam Waldman provided us with the most well-rounded end-to-end customer experience of all ourprevious purchases. It’s one thing to get a deal done,it’s another to feel educated at every step along theway. Pam not only informed us of what was happeningat each stage but provided an immense amount ofguidance & knowledge when it came down to thestrategy and approach we took. We left smarter buyersthan how we came i n (and we were not no vices). Asidefrom the business acumen that Pam possesses, her t actand professional courtesy were best-in-class. We willuse her for every local purchase we make movingforward. We trust our largest financial decisions withPam and would recommend her to our closest familymembers.Lara James knows the market so well! She workedtirelessly to find my family a home in such a hardmarket and succeeded beyond what I thought we’d everget! She got us through the sale of our own home andthe purchas e of our new home. Everything went sosmoothly, and she always kept us informed with eachstep. She is kind, smart and wonderful to work with!–EMIL Y J .PURCH ASE D I N L AKE OS WE GOLara James made our first-time home buyingexperience an amazing one. She was veryknowledgeable on the market an d very strong footedwhen it came to negotiations. She truly had our bestinterest in mind and was availa ble during our hecticschedules. I highly recommend Lara to anyone who islooking for a passionate realtor and would refer her toanybody I know searching for house. –TRIS TAN & MAC ALAPURCH ASE D I N S W P ORT LA NDWaldmanJamesRealtyGroup.com

Reviews Lara Jam es was wonderful work with a nd helped uspurchase our home from out of state in a verycompetitive market. She is well connected in thecommunity and knowledgeable about the dynamicmarket. Icing on the cake is that she is genuinely kindand easygoing. She listened to our wish list, lea rnedabout our lifestyle, and had a good understanding ofwhat we wanted. We never felt pressured from her. Shehelped us navigate the home purcha sing process,walking us through specific Oregon laws, and offeredguidance on how to submit a standout offer. We highlyrecommend Lara James for your real estate needs inLake Oswego and the Portland area!Pam Wal dman exceeded our home buying expectations.From generating a comprehensive search criteria toquickly lining up home viewings, Pam was aconsummate professional. Her local knowledge was key,as Pam even provided strong recommendations aroundhome inspectors that helped us complete the homebuying process.–KARE N C .PURCH ASE D I N L AKE OS WE GO–JASO N L .PURCH ASE D I N L AKE OS WE GOPam Waldman was wonderful to work with. She wasthere whenever I wanted to explore a potentialhome. The entire transaction process was seamlessand smooth, all thanks to Pam's diligent efforts. Shewent above and beyond by obtaining estimates forany necessary repairs and regularly checking in tokeep me updated. I would wholeheartedlyrecommend Pam Waldman for any real estate needsand wouldn't hesitate to employ her expert servicesin the future.WaldmanJamesRealtyGroup.com–SUE B.PURCH ASE D I N P ORT LAN D

GETTING STARTED123456Obtain FinancialPreapprovalSelectPropertiesViewPropertiesWrite an Offer to PurchaseSelect a trusted Real Estate AgentAnalyze Your Needs ina Buyer ConsultationWaldmanJamesRealtyGroup.com

PriceWhat you offer on a property depends on several factors including itscondition, length of time on the market, buyer activity and the urgency of theseller.FinancingDetails how you will make your purchase whether that be a cash purchase,conventional loan, VA loan, FHA loan, or other financing option available.Earnest MoneyEarnest Money is a good faith deposit you put down to demonstrate yourserious intention of buying the home. Typically, 1.5%-2% of the offer price.Personal PropertyItems that might not be attached to the house but are included in the homesale. A list of these items should be included in your purchase offer.Inclusions and ExclusionsItems you see during the showing are either included with the property(inclusions) or excluded from the property (exclusions).Additional Provisions & Closing Costs Additions to the contract that may influence the offer specific to your needs.For example, requesting that the seller contribute to your closing costs,which might include rate buy-downs, buyer’s agent fee, and pre-paid taxes. ContingenciesSpecific conditions in the contract that both parties agree will be met.WRITING AN OFFERInspection DeadlinesThe amount of time to complete home inspection(s) and negotiate any repairswith the seller. Typical inspection period is 7-10 days beginning the day afteryour offer is accepted.Closing, Possession Dates and Seller Rent-backThe closing date is the date that ownership and title to the home istransferred from seller to buyer, a process administered through Escrow.The Possession date may be sometime after close in event that buyer andseller negotiate for the seller to stay for a defined amount of time (up to 60days if financed) after closing with all parties signing off on an occupancyagreement. .

Schedule home inspection Deposit Earnest Money Review Property Disclosures Negotiate repairs or credits Schedule appraisal if needed Signing appointment with Title Keys!ACCEPTED OFFERWaldmanJamesRealtyGroup.comN E X T S TE PS

CONTRACT TO CLOSE

THE HOME M u s t H a v e sW o u l d L i k e sD e a l B r e a k e r sN o t e sSearchWaldmanJamesRealtyGroup.com

Unless you are a cash buyer, the importance of getting pre-approved beforelooking at homes cannot be overstated. More often than not in today’smarket, a seller will not entertain an offer without a letter of pre-approval.It is recommended to start the conversation with a lender as soon as you canbefore buying a home. Getting pre-approved is also important whenestablishing a budget for your home search so that you are looking atproperties that you can comfortably afford.Your credit score is just one of the items looked at by a lender. Lenders willalso look at payment history, employment history and debt to income ratio,how many lines of credit you currently have open and are they revolving orinstallment lines, and more.When deciding on a lender, there are some factors to consider. What type ofexperience does the lender have? How many lending avenues do they haveavailable to get you approved? How accessible will they be during the loanprocess? It is also recommended to work with a local lender so that if thereare any issues you will be able to have direct access to your lender to resolveanything that may come up.It is important to know that your application and credit will be reviewedagain just before the act of sale or closing.Speak with your lend er be fore doing any of the following:FINDING A LENDER Open ing or closing an y cred it cards Chan ging j obs during the pr ocess of bu ying a home Fina ncing new furnitu re or appliances Purc hasing a new car Movi ng mon ey around Skip ping a payment or being late on a paymen t Spen ding y our savings

Prepare a list of questions or concerns about theproperty and plan on attending the inspection summaryin person so you can learn more about the home.Read your inspection report thoroughly. If you haveconcerns or need clarification—no matter how minor theissue—please do not hesitate to call your inspector.We will be in touch shortly after receipt of the inspectionreport to determine a course of action for items thatmight need to be negotiated. If there are items you’d liketo have addressed that are major defects and/or safetyconcerns, we can help you draft an addendum asking forthem to be repaired prior to closing.PREPARING FOR AHOME INSPECTIONA home inspection is a general visual and operational examination ofthe entire home. The process usually takes 2-4 hours. Inspectors willprovide a comprehensive report when the inspection is completed –typically within 24 hours. For a standard home inspection, radon testand sewer scope, you can expect costs to range from $500-$1200depending on the home and inspector.Here are a few key points to help you prepare:Remember: An inspector’s job is to look at the home with amagnifying glass and bring every detail- sometimes nomatter how small- to attention. Come with an open mindready to absorb a lot of great information about your newhome.WaldmanJamesRealtyGroup.com

When you’re buying a home using a mortgage, thehome appraisal is a key component to ensure thatthe home’s value is sufficient given the size of theloan. Below is some information that will help youunderstand how the appraisal process works and howan appraiser determines a home’s value.What is a Home Appraisal?An appraisal is a professional report to determinethe value of a home on behalf of the lender. In apurchase transaction, a third-party appraiser is usedto determine whether the home’s contract price isappropriate given the home’s condition, location, andfeatures. The appraisal is ordered by the buyer’slender and is a cost that is paid by you as theborrower.A property’s appraisal value is influenced by recentsales of similar properties and by current markettrends. The home’s amenities, the number ofbedrooms and bathrooms, floor plan functionalityand square footage are also key factors in assessingthe home’s value. The appraiser must do a completevisual inspection of the interior and exterior andnote any conditions that adversely affect theproperty’s value, such as needed repairs.Lenders want to make sure that buyers are notoverborrowing for a property because the homeserves as collateral for the mortgage.UNDERSTANDINGTHE HOMEAPPRAISAL

Finish Line Ahead! Ever since the contract was agreed upon, a Title company has beenworking to make sure the property makes it to closing.What happens during the closing?The title company has been working to make sure ownership of theproperty can legally transfer to you. They are checking to make sure nounknown parties have a claim of ownership. They also have beenpreparing and submitting the necessary documents to execute the saleof the property.When the title company completes their work, your lender will benotified. Once the lender is notified that everything is clear regardingthe contracts and the title, they will once again look at the file. If allrequirements have been met, your lender will send you the finalClosing Disclosures.Once your file gets the ‘clear to close’ the title company will schedule atime for everyone to sign the necessary paperwork. The loan will thenfund (usually the following business day) and the property will recordwith the county, and you are officially a homeowner.WaldmanJamesRealtyGroup.comTHE CLOSINGCongratulations! Keys!

RESOURCESEnjoy sp eci al dis cou ntsexclusiv ely th rou gh Kel lerWilliams Ve ndo r P art ner s. G lob e L ighting C ont rac tors Furni shi ngs Mart M aca dam Flooring B asc o A ppliancesMortgage LendersCristina StanekCoast Home LoansCristina@coasthome loa ns. com503-913-7434Brett AndersonPrime Lending5800 Meadows Rd Su ite 16 0Lake Oswego, OR 97 035 503-396-6257banderson@primelen din g.c om www.TheEckardTeam. comJennifer KellyGuild Mortgage5400 Meadows Rd Su ite 12 0Lake Oswego, OR 97 035503-431-7521jkelly@guildmortga ge. netwww.guildmortgage. comInspection ServicesPillar to Post Hom e I nsp ections www.pillartopost.c om/ hom e 503.682.3053Chris.livingsto n@p ill art opost.comVerispec Inspectio n S erv ices www.verispec.co/ Patrick Tolbert503.504.6258patrick@verispec.c omPNW Home Inspections LLC Drew Bender, Owner www.pnwhomeinspect ion .co m 503.849.5886pnwhomeinspection@ gma il. comAdditional InspectionsRadon & Sewer Scope Inspectek West Phone: 503.310.261 2www.inspectekwest. comOil Tank Locate Soil Solutions Phone: 503.234.211 8www.soilsolutionse nvi ron men tal.com

YOUPam Waldman | 503.679.1788 pam@waldmanjames.comLara James | 503.819.6097lara@waldmanjames.comTHANK