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guideB U Y E RW W W . M O V E W I T H M P . C O M | 7 0 1 - 7 9 9 - 3 8 0 3 | J E N @ M O V E W I T H M P . C O M B R O K E R / O W N E R Jen Mansour Things to Consider When Buying A Home

c l i e n t t e s t i m o n i a lMy husband passed away 4 years ago, so I was really on my own. I’venever made a major purchase by my self before. With Jens helpnegotiating the paperwork, negotiating with a first time home buyer,answering all my questions, the hand holding, reassuring me when mydoubts came in to play. I wouldn’t be in the lovely house I am in if Jenhadn’t helped me every step of the way. If you need an a realtor that willwork hard to make your dreams come true, Jen is the person to go with!! Jen helped our daughter purchase a home in a very competitive market.Her bid was chosen out of 6 with some savey advice from Jen. We were soimpressed we asked her to handle the sale of our home to buyers wealready had. Our thinking was that there was not much profit in this for herbut she gladly accepted. Her experience with appraisals insured that wewere getting a fair price and insured our buyers they were not overpaying.We think Jen is the best.Jen is smart and thorough. She knows the market with acute accuracy.The comps she provided me made decision making crystal clear. She letme know the next step, every step of the way. Jen knew all of thestrategies to make my offer stand out in this competitive market. Shemade the buying and selling experience as low-stress as possible. Jenalso happens to be one of the nicest people I know! She’s a joy to bearound.Read More: www.zillow.com/profile/jen-mansour/#reviews

jen@movewithmp.com14 Roberts St N. Fargo 701-799-3803 cell @jenlmansourJen grew up in Fargo and graduated from Fargo North....go Spartans! She attended college inChicago where she met the love of her life and started their family. In 2012, they relocated toFargo. As her heart has always been with helping people, Jen successfully obtained both herReal Estate and Broker licenses and has been helping buyers and sellers ever since. Jenloves helping buyers find their dream homes and helping sellers move to the next chapter.Working with Jen means working with a knowledgeable and professional Realtor andcommitted ally who negotiates on behalf of her clients. She has a positive outlook on life and is a firm believer in the importance of customer service, taking the time to understand herclients’ unique lifestyles, needs and wishes to ensure the buying or selling experience isenjoyable and that clients’ wants and needs are met 100%, every single time.B R O K E R / O W N E R Jen Mansour~ Jen

Jenny Clouse- R E A L T O R ®Jenny thoroughly enjoys real estate from initial contact ofan interested party all the way to the closing and beyond.She is very passionate about what she does and it showsin her great attitude and work ethic. Jenny has beenworking with Residential and Commercial clients in andaround the F/M area since 2009.Joan WindusJoan has a passion for providing stellar customer service.She focuses on building relationships and doing what ittakes to achieve 100% satisfaction for her real estateclients. Joan invests in the community by donating blood every chance she gets and volunteering at theRonald McDonald House. Other causes near & dear to herheart include: Hospice of the Red River Valley and theAlzheimer's Association. Regina CaseySpecializing in Residential Real Estate, the only thingRegina loves more than making people laugh is makingher clients happy. Her honesty, loyalty and dedication willensure that the buying or selling process will be easy, funand stress-free, especially for first-time homebuyers andrecent transplants to the F-M area.- R E A L T O R ®- R E A L T O R ®Meet the Team!

Process123456Meet with a lenderDiscuss your criteria with buyer's agentDetermine the right mortgageBegin your home searchGet a pre-approval letterView the homes you are interested inPRE-APPROVAL/FIND AGENTHOME SEARCHSubmit a strong offerNegotiate the terms of the contractResearch comps with an agentOFFER & NEGOTIATIONNegotiate repairs & begin title examSchedule home inspectionsFinish loan processINSPECTIONConfirm the repairs are madeCarry out a pre-closing FinalwalkthroughPRE-CLOSINGReview closing statementSign the closing documentsReceive your keysCLOSINGH O M E B U Y I N GInterview Real Estate Agents to find the best fit

PREQUALPREAPPROVALBenefitsYou can start house-huntingknowing how much youmight be able to borrowYou’ll be ready to make anoffer with confidence—andgain a competitive advantageProcessProvide basic information to alender and quickly get aprequalification amountAfter submittingdocumentation to a lender,you should receive a decisionwithin 10 business daysDocumentationAnswer questions for thisprocess, plus a credit checkProvide W2s, bankstatements, etc. plus a creditcheckDan Van Winkle President2300 13th Ave S.Fargo, ND 58103NMLS# 8495Direct: 701-356-9898Email: dan@firstclasscorp.comLending PartnersGet Pre-Approvedit gives the Seller peace of mind that you are qualified to purchase their homeit ensures that you are looking in the right price range for your budgetit ensures that you don’t fall in love with a home that you can’t afford!

EARNEST MONEYTypically 1% of the purchase price- rounded up or down to thenearest $500. This is paid when theoffer has been negotiated andaccepted by both parties. INSPECTION FEESThis can range depending on whatinspections are ordered - plan forbetween $400-$600. This is paid atthe time of inspection, prior toclosing. CLOSING COSTSTypically 3% of the purchase price.This can be negotiated with theSeller to help pay, depending onthe state of the market at the timeof purchase. DOWNPAYMENTThis can be between 3.5% - 20% ormore of the purchase price &depends on the type of mortgageloan you will get. Lender will workthrough your options in the pre-qualification process. Money you will need in order topurchase a home. Financial Checklist

In all relationships, I have a duty to act honestly with both the buyer and the seller.Agency RelationshipsU N D E R S T A N D I N G A G E N C Y - …W H O W O R K S F O R W H O M ? Seller Agency (Single Agency)Agent will represent the best interests of the sellerAgent will owe the seller fiduciary dutiesAgent must give the buyer all material facts so that the buyer can make an educated decisionBuyer Agency (Single Agency)Agent will represent the best interests of the buyerAgent will owe the buyer fiduciary dutiesAgent must give the seller all material facts so that the seller can make an educated decisionTransaction Broker (Dual Agency)Agent represents both the buyer and the seller equallyAgent’s objective is to get a mutually satisfactory agreement among all partiesAgent gives all options to the buyer and the sellerDepending on the local market, all parties may be present at contract presentation to negotiate on their own behalfAll parties have confidentiality. Agent may do nothing to the detriment of either the buyer or the sellerBoth the buyer and the seller have a right to counsel. Before making any decisions, both parties have the right to seekfamily, religious, legal, or financial counsel. "

Do I Need An Agent?YES! As a licensed real estate professional I provide much more than the service ofhelping you find your ideal home. Realtors are members of the National Association ofRealtors (NAR) and must abide by a Code of Ethics and Standards of Practiceenforced by the NAR. A professional Realtor is your best resource when buying yourhome. Reasons To Let Me Be Your Guide - As A Knowledgeable & Experienced Realtor, I Can:Save you endless amounts of time, money, and frustration by only finding youhomes that are Active and ready to be soldUse my extensive knowledge of the housing market to help you avoid the “wildgoose chase.”Help you with any home, even if it is listed elsewhere or if it is being sold directly bythe owner.Provide you with information about the mortgage lenders in the area and can helpyou understand the importance of being pre-qualified. I can also discuss downpayments, closing costs, and monthly payment options that suit you.Be an excellent source for both general and specific information about thecommunity such as schools, churches, shopping, and transportation - - plus tips onhome inspections and pricing.Use my experience, knowledge and skills when presenting your offer to thehomeowner and can help you through the process of negotiating the best price. Webring objectivity to the buying transaction, and we can point out the advantagesand the disadvantages of a particular property.And the best thing about me as your Realtor is that all this help normally won’t cost youanything at all! Generally, the seller pays the commission to the Realtor®.

M O R E C O N V E N I E N C E / B E T T E R A C C E S SN E G O T I A T I N G I S T R I C K YC O N T R A C T S C A N B E H A R D T O H A N D L EA T T E N T I O N T O D E T A I LA V O I D C L O S I N G P R O B L E M SA Real Estate Agent's full-time job is to work for you and act as a liaison betweenbuyers and sellers. This means that they will do all the heavy lifting for you andwill provide you with real-time access to all other properties listed by anyone. Real Estate Agent has the experience and the skills to negotiate the best deal for you. An experienced Real Estate Agent deals with the same contracts and conditions ona regular basis and is familiar with which conditions should be used. Protectingyou whether your selling or buying.There are many details within every contract. Missing a deadline can cost you! A Real Estate Agent knows to watch for any potential snags or hiccups and canhelp get them resolved before it's too late.

W e a l s o e n c o u r a g e y o u t o v i s i t o p e n h o u s e s . I t ’ s ag r e a t w a y t o s e e l o t s o f h o m e l a y o u t s , g e t a f e e l f o rs q u a r e f o o t a g e , v i e w d i f f e r e n t n e i g h b o r h o o d s , e t c .F o r a n u p d a t e d l i s t o f o p e n h o u s e s , v i s i t :w w w . f m o p e n h o u s e s . c o m Open HousesFinding Your Dream HomeAutomatic EmailsO n c e y o u k n o w y o u r p r i c e r a n g e , i t ’ s t i m e t o s t a r tl o o k i n g ! W e w i l l c o l l e c t i n f o r m a t i o n f r o m y o u o n w h a ty o u ’ d l i k e i n a h o m e - m u s t - h a v e ’ s , n i c e - t o - h a v e ’ s ,d r e a m s - l o c a t i o n , e t c . W e w i l l s e t u p a s p e c i f i c ,a u t o m a t e d e m a i l c a m p a i g n f o r y o u t h a t s e n d s y o up r o p e r t i e s t h a t m a t c h y o u r c r i t e r i a , t h e m i n u t e t h e y h i tt h e m a r k e t , i n r e a l - t i m e .

Make a Fair OfferWork with your real estate agent to evaluate comparablelistings in the area to determine the right amount to offer.Know how to time your offer. The housing market isextremely competitive in most areas right now, so for manybuyers, getting into contract quickly is key.Offer cash if you can. Not having a mortgage will make thesale much more efficient.Wait for a response from the seller. It’s the worst part,but obviously necessary.If the offer is accepted, you’re ready to move on to theother steps in the homebuying process.If the seller declines or counteroffers and you still want tobuy the home, come up with a more attractive offer andresubmit.Avoid common deal-breakers. If you want the best shotat scoring your dream home, it’s wise to know what pitfalls toavoid.

While a home inspection is not required, we almostalways recommend that you hire a licensed profession tocomplete a home inspection. An inspector will see yournew home from a trained set of eyes to see and willpoint out any potential hazards, safety issues and/orrepairs needed. After the home inspection, you have 3options: Cancel the Purchase Agreement1. Negotiate repairs2. Accept the property, as-is3.Have the Home Inspected

Schedule Your MoveWhile you will be given keys to your new property right at closing,some people do not always move in right away. Start thinking aboutthe schedule that works best for you. If you need help moving, besure to schedule professional movers or line up your moving help assoon as possible - especially if you are closing near the end of themonth. Movers are typically most busy at this time. Keep in mind thatwhile most closings go as planned, sometimes things pop up thatcould change the closing date a bit. Usually we know this in advanceand can work through any issues that arise from the date change.13Set Up Utilities About 10 days before closing, we will send you an email with contactinformation for all utility companies. You will begin making calls toset up service at your new home - using the closing date as thebeginning date of service.Change Your AddressWe will also send an email with information on how to change yourmailing address. You can do this online or in-person at the postoffice.

14This is the final step inthe buying process. Onthe day of closing, boththe Buyer and Sellerwill sign documents,funds are dispersed,and the propertyownership is formallytransferred to thebuyer. You will receiveyour keys and canaccess the house asyou wish...it’s yours!2 Government IssuedPhoto IDCashier's check orproof of wire transferProof of propertyinsurance1. Your Government Issued Photo ID 2. Your Bank-Certified Check for any money you owe at closing - you will get this amount from yourlender approximately 3 days prior to closingcongratulations... Closing Day!Items To Bring To Closing .you are now a home owner!

Not getting pre-qualifiedProbably the most important step to take when firstconsidering buying a new home is to work out exactlywhat you have to spend on purchasing a property. Don’t take an area at face valueThis is a problem that often surfaces only when it’stoo late. Failing to research an area properly can resultin your dream turning into a nightmare.Don’t make assumptionsIt may be human nature to think that a propertywhich hasn’t been snapped up within a couple ofmonths of being on the market is inherently flawed.Not Working With A Real Estate AgentThe fact is that real estate agents are experts.Although you may save some money by handling theprocess yourself, having a real estate expert in yourcorner can help to ease anxiety and make the homebuying process go more smoothly overall.Market conditionsMarkets are fluid and their ever-changing naturemeans that it is always prudent to be aware of theircurrent state.Searching outside your rangeWhile it may be fun to dream, searching for propertythat is out of your financial range is not going to helpif you are serious about buying a new home.Common Buyer Mistakes

Frequently Asked Questions H ow w i l l y o u t e l l m e a b o u t t h e n e w e s t h o m e s a v a i l a b l e ? W i l l y o u i n f o r m m e o f h o m e s f r o m a l l r e a l e s t a t e c o m p a n i e s o ro n l y M o d e r n P r a i r i e R e a l E s t a t e ?C a n y o u h e l p m e f i n d n e w c o n s t r u c t i o n h o m e s ? H o w d o e s f o r s a l e b y o w n e r ( F S B O ) w o r k ? C a n w e g o b a c k t h r o u g h o u r p r o p e r t y a g a i n o n c e a n o f f e r i s a c c e p t e d , b u t b e f o r e p o s s e s s i o n ?O n c e m y o f f e r i s a c c e p t e d , w h a t s h o u l d I d o ?The Multiple Listing Service (MLS) Website provides up-to-date information for everyhome on the market. I constantly check the New on Market list so I can be on thelookout for my clients. I will set up a search based on your criteria & these homes will beautomatically emailed to you as soon as they hit the market. You can review & decide ifthere is anything you want to look at in person. I will keep you informed of all homes. I want to help you find your dream home, whichmeans I need to stay on top of every home that's available on the marketYes, I can work with most builders and get you the information you need to make adecision. On your first visit with the builder, I will accompany you. By using my serviceswith a new construction home purchase, you will receive the services I offer, as well asthose provided by the builder, at no additional costHomeowners trying to sell their home without agent representation are usually doing soin the hopes of saving the commission. If you see a FSBO and want the advantages ofmy services, let me contact the owner for you and make an appointment. Most timesthe homeowner will work with an agent, even though their home is not listed, since theagent is introducing a potential buyer to their property.Yes, you can be present at the home inspection, usually a 10-14 days after acceptance.You will also see it again the day before closing a we will schedule a final walk-throughprior to signing all loan paperwork and taking possession of the home. Celebrate and focus on working with your lender to finalize the loan and given themany necessary paperwork. You will want to schedule your move, pack items and notifybusinesses of your address change. I will provide you with a moving checklist to helpyou remember all the details.

Lorem ipsum dolor sit amet consectetur adipiscing elit suspendisse rutrum fames, augue commodophasellus fermentum amet sit. Lorem ipsum dolor sit amet consectetur adipiscing elit suspendisserutrum fames, augue commodo phasellus.INVESTIGATE THE AREALorem ipsum dolor sit amet consectetur adipiscing elit suspendisse rutrum fames, augue commodophasellus fermentum amet sit. Lorem ipsum dolor sit amet consectetur adipiscing elit suspendisserutrum fames, augue commodo phasellus.BE READY TO MAKE AND OFFERLorem ipsum dolor sit amet consectetur adipiscing elit suspendisse rutrum fames, augue commodophasellus fermentum amet sit. Lorem ipsum dolor sit amet consectetur adipiscing elit suspendisserutrum fames, augue commodo phasellus.FIND OUT HOW MUCH OTHER HOUSES HAVE SOLD FORLorem ipsum dolor sit amet consectetur adipiscing elit suspendisse rutrum fames, augue commodophasellus fermentum amet sit. Lorem ipsum dolor sit amet consectetur adipiscing elit suspendisserutrum fames, augue commodo phasellus.KEEP AN OPEN MINDLorem ipsum dolor sit amet consectetur adipiscing elit suspendisse rutrum fames, augue commodophasellus fermentum amet sit. Lorem ipsum dolor sit amet consectetur adipiscing elit suspendisserutrum fames, augue commodo phasellus.ASK AROUNDLorem ipsum dolor sit amet consectetur adipiscing elit suspendisse rutrum fames, augue commodophasellus fermentum amet sit. Lorem ipsum dolor sit amet consectetur adipiscing elit suspendisserutrum fames, augue commodo phasellus.TAKE PICTURES AND NOTESLorem ipsum dolor sit amet consectetur adipiscing elit suspendisse rutrum fames, augue commodophasellus fermentum amet sit. Lorem ipsum dolor sit amet consectetur adipiscing elit suspendisserutrum fames, augue commodo phasellus.CHECK OUT THE NEIGHBORHOOD BEFORE MAKING AN OFFERHouse Hunting TipsUSEFUL INFORMATION

JEN MANSOURJEN MANSOURBROKER / AGENTBROKER / AGENTMODERN PRAIRIE MODERN PRAIRIE REALREALESTATEESTATEjen@movewithmp.com701-799-3803modernprairierealestate.com

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