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SELLER'S GuideWelcomeWelcomeWelcometototo HolgardHolgardHolgardGroup!Group!Group!H O L G A R DR E A L E S T A T E G R O U P

The BrokerageOUR CORE VALUESP U T P E O P L E F I R S TPut the relationship side of business first. It’s the most important part of what we do.Be respectful. Listen intently. Anticipate issues. And strive to make meaningfulconnections. We believe when we put relationships above all else, in every instance,everyone wins.I N N O V A T I V E S E R V I C EWhat can you do today that has never been done before? To change the way theindustry works, we have to change how we work. So question everything. Find newways to do old things. Surpass your client’s expectations in even the smallest ofways.C R E A T E A C O M M U N I T YThough we have seven CORE VALUES, this one stands just a tiny bit above the rest.We’re all in this together. We’re creating a community of agents in a purpose-builtenvironment that feels like home. But community is really in the hands of itsmembers. We can create the environment, but it’s up to you to support, celebrateand encourage one another. And to live our values. Oakwyn should feel like a happyextended family.R E A L E S T A T E N E R D SLove what you do. A lot. And find new ways to love it each and every day. There’s somuch to learn, so many new trends to stay on top of in our industry. Relationships tobuild. Goals to meet. Be a student of our craft and share what you learn with yourpeers. Your passion is infectious.L E A D B Y E X A M P L EBe the change you wish to see in the world. That’s Gandhi. And it’s good advice.Model the behavior you’d like to see in the office, out in the field, and at industryevents. What are Oakwyn-like characteristics? Energy. Transparency. Humility. Wit.Passion. Trust. Intelligence. Be those things and you’ll be part of the change.P U R S U E G R O W T H & L E A R N I N GHave a hungry mind. Feed it. The only way to improve personally and professionallyis to seek out and incorporate new learning and understanding into your practice.Read. Keep an open mind. Listen to each other. Listen to podcasts. Share whatyou’ve learned. We can all grow together.E M B R A C E & D R I V E C H A N G EWe work in a dynamic, always-changing business, and we want to be the onesleading that change, rather than reacting to it. So be bold. Be a leader. We’re alsoopen to change on the inside. If there’s something that could be improvedinternally, be bold and bring it up. If we can’t embrace change on the inside, wecan’t drive it on the outside.

Prior to real estate, our team of professionals worked in roles in financial analysis,accounting, investment management and banking with large national andinternationally known companies.Today, we are excited about bringing together our extensive backgrounds andexperience, our passion for real estate, and the love of helping people to this excitingbusiness. With decades of sales and service experience, we know what it takes todeliver results!Our clients past and present describe us as very energetic, dedicated, knowledgeableand highly effective real estate consultants providing a level of service which exceedstheir expectations. It is this level of service, our consultative approach, and alwaysanticipating our clients needs in advance, which contributes to our continued successand expanding list of happy clients.We think of our team as not simply real estate agents, but rather real estate advisors.We believe that business is more about people and guidance then it is about contractsand deals. We have a philosophy of working for the client, not for the deal. Sometimesthat means drilling down, understanding a client’s needs, and coaching them to makea move at the right time that suits their unique situation. We are relationship buildersand are here for the long-term interests of our clients. Trust is everything inrelationships and that’s what we strive for!H O L G A R DR E A L E S T A T E G R O U PEric Nygard & Cam HollandOur StoryAllow our dedication to service excellence pairedwith the skills and experience required to succeedin this industry work for you in navigating this ever-changing real estate market.

THE HOME SELLING PROCESSA HELPFUL GUIDE FROM HOLGARDREAL ESTATE GROUP SPEAK TO YOURMORTGAGE LENDERABOUT YOUR OPTIONSAND COSTSLISTINGPAPERWORKAN OFFER ISRECEIVEDTHINKING OFMOVINGNEGOTIATIONSFLOOR PLANSPHOTOGRAPHYVIRTUAL TOURSIGNAGELISTING THEHOME(MLS)EXECUTEMARKETINGSTRATEGYSUBJECTREMOVALHOMEINSPECTIONFINDINGTHE RIGHTREALTORMARKET/HOMEEVALUATIONLISTING TIME FRAME MARKETING PROPOSALHOMEPREPARATIONMAINTENANCEDECLUTTERREPAIRSHOWINGSOFFER ACCEPTEDWITH CONDITIONSBUYERSFINANCINGFINALIZEDLAWYER GETSCONTRACTDOCUMENTSMOVE ( POSSESSION )TITLE & FUNDSTRANSFER( COMPLETION )H O L G A R DR E A L E S T A T E G R O U PYour Guide to Selling a Home

Thinking of Selling Your Home: Contact Your LenderStep 1: Due DiligienceIf you’re thinking about selling your home, it’s best to contact your mortgage lender to ask for your currentmortgage payout, including any prepayment penalties and discharge fees. The payout figure is usually valid for10 to 30 days. Why does this matter? Knowing your outstanding mortgage balance will be a critical factor indetermining the net proceeds after selling. It's always a good idea to talk to your lender or independent mortgage broker about your real estate goals,factoring in the details of your existing mortgage, as they may have creative options to save you money and helpyou achieve your goals in the process.What does it cost to sell a home:Mortgage Payout MortgagePrepaymentPenaltiesMortgage TransferFees (if applicable)Misc Taxes (Ie.Capital Gains)Portion of PropertyTaxes owing for theyearReal EstateCommissionsMaintenanceLiensLeasesOutstandingCondo/Strata Fees& AssessmentsFind A REALTOR® Who Is Right For You Deciding who to represent you is the most importantdecision you will make in the home selling process. Youwant to ensure you find a REALTOR® that you connectwith, and one that you can trust to have your best interestsat heart.By understanding your home, the neighborhood, yourmotivations for selling, the right REALTOR® will take thisinformation and create a marketing plan specific to you inan effort to sell your home in the fastest amount of time forthe highest price a buyer is willing to pay.In this stage the HOMEOWNER:Conduct REALTOR® InterviewsREALTOR® and Homeowner Home InspectionReview Marketing ProposalsSelects REALTOR®In this stage the HOMEOWNER:Obtains accurate mortgage payout figure including penalties and fees

Comparative Market Analysis & PricingAt this stage, your selected REALTOR® will present acomparable market analysis (CMA) specific to your homeand set a competitive list price based on the researchedcomparable homes in your area. Using your home as thesubject property, they will look at numerous comparablefactors such as:: similar square footageagetype of construction materialsnumber of bedroomsnumber of bathroomslot sizeparkingneighborhood, schools, access to amenitiesviewsIt is important to price your home competitively as itrelates to those homes in your area that have sold, andto strategically stand out amongst active listings...yourcompetition.Step 2: Pre-ListingDangers of OverpricingMany sellers believe that if they price their home high initially, they can lower it later. The challengewith this strategy is:Many potential buyers will not even look at your home believing that it is out of their price rangeThose buyers who do look are shopping by comparison and looking at your home may convincethem to make a bid on a different propertySince an appraisal is often a requirement in order for the buyer to obtain financing, it is futile toprice a property for more than market valueProperties left on the market for an extended period of time usually become ‘stale’ causing manybuyers to believe that something is wrong with itOverpricing lengthens the marketing time and invariably results in a lower selling price than whatwould have been obtained otherwise

Exterior Home Maintenance and RepairBe sure to do what you can to promote the curb appeal ofyour home. The better the impression from the outside, themore eager a buyer will be to view the interior with an openmind.Keep your lawn and garden trimmed and neatIn summer, make a point of watering your lawn andflowersMake your driveway and walkway look new by pressurewashingRake up leaves and clear gutters in the fallClear the snow from all walkways in the WinterEnsure that your front door is clean and in good repairTake a moment to touch up or repaint if necessaryInterior Home Maintenance and RepairStep 3: Home Preparation" Interiors That Shine": Most would agree that if you were selling a car, a clean, waxed and vacuumed vehiclewould fetch a better dollar than the same car in poor condition. It only makes sense to invest a relative amount oftime in a sale that is many thousands of dollars more than your car. We want to show off the space and givebuyers something to love.Do a general clean up and store any goods or furniture that may be in the wayWipe down walls and cupboardsKeep your carpets and other flooring cleanSeeing is Believing: You may have the besthome on the block, but buyers won’t take yourword for it…they want to see it!Check that all the light bulbs in your lamps,ceiling lights, chandeliers and stairwells areworkingConsider touching up moldings and windowsills that may be scuffed or stainedRepair any loose fixtures, handles ordoorknobsMake sure the grout is clean and the siliconreads as clean and fresh in the kitchen andbathrooms

Photography and Virtual Tours"Lights, Camera, Action!"With price and preparation completed, now is the time tocreate marketing material that captures a buyer's attention.PhotographyMost purchasers use the internet for their home search andrely on pictures to immediately form an impression of yourhomeThe purpose of the property’s photograph is not only tomake the buyers aware of how great the property looks, butalso to garner their in the property.Listing Your Home: Multiple Listing ServiceStep 4: Marketing PreparationWith the home prepared & marketing materials complete, we're read to go live! Your listing will be created inthe Multiple Listing Service (MLS) including a creative description of your home highlighting the key featuresmost likely to appeal to Buyers. We will also upload professional photo's, virtual tour, floor plans and attachmiscellaneous marketing supplements that help your home stand out from the competition.REALTOR® ACTION:Arrange a mutually convenient time for marketing professionals (photographer, floor plan andmeasurement companiesFloor plans:Helps prospective Buyers seethemselves living there withoutbeing influenced by personalfurnishings.. Leaves a lasting impression andvaluable resource after a long Buyertour.Virtual tours: Allows Buyers to virtually walk through the homeThey’re convincing interactive tools that clients use to seeexactly what they want in a home.They keep the viewer glued to your home for up to an houras they explore each room.It’s easier for Buyers to dream about buying and living in thehouse attracting qualified prospects

Home Showings Preparation"It's show time!"Your home is on the market and showings are being booked. Sometips for showings:Have as many lights on as you can before REALTORs® and theirclients arriveOpen your blinds, curtains, or drapes and let the sun shine inKeep your home at a comfortable temperatureEnsure all sinks and counters are freshly wiped and shinyDon't forget the windows so buyers can appreciate the outsideviewsBefore showings be sure to keep the cooking smells to aminimum, unless its strategic home baking aroma's like apple pieIf you have built in speakers, you may want to highlight thisfeature with soft background music the buyers can enjoy whileviewing your homeTry to put out fresh, clean linens & towels in the kitchen andbathroomsKeep only healthy plants in the homeDuring ShowingsStep 5: Home Viewing Preparation Tips"The Lights are on But Nobody is Home" We knew it was the home for us the minute we walked in: Buyers buy with their heart and then justify thepurchase in their mind. Remember, buyers need to imagine themselves living in the home. It's important togive a buyer the space to imagine it is their home instead of visiting your home; therefore it is beneficial, asthe owners of the home, that you are not present for showings. When homeowners are out, Buyers are morerelaxed and feel they can take their time in your home. We all want to take a good look when making such alarge investment. If a Buyer isn't able to look it comfortably, they may not take in all the high points yourhome has to offer."Our Four Legged Friends"Not everyone has pets as part of their family and noteveryone wants to be greeted with a big wet kiss from thefamily dog. Worse yet, some Buyers may be veryapprehensive about dogs. If prospective Buyers arespending their time watching their back or making surethe cats don't escape then they are not focusing on yourhome.In this stage the HOMEOWNER:During showings, make sure pets are out of the way orideally out of the home

Subjects / ConditionsReceiving & Negotiating Offers Seller can reject the Buyers offerIt is uncommon for an offer to be completely rejected. Most Buyers don't offer the price they arewilling to pay on the first offer. It is often the starting point to negotiating to their "ceiling price" orhighest price a Buyer is willing to pay.2.Seller can "sign back" or counter the Buyers offerThis is most common. Prices, closing dates, contents of the home may all potentially beconsiderations during the negotiation process.3.Seller can accept the buyers offerPerfect, Congratulations!1.A contract of purchase and sale may include various subjects, or conditions that must be met before thecontract is firm and binding. The clauses will include a specified amount of time for those conditions to bemet. There are numerous conditions that can be put into a contract. Some of the common conditions are:Financing: The Buyer will need to obtain a final mortgage approval. Their lender may need to arrange ahome appraisal. If required, the REALTOR® will coordinate with the appraiser to gain access to the property. Insurance: The Buyer will need to confirm their ability to get property insurance. This is usually a straightforward process that doesn’t require anything more than providing property details.Home Inspections: As this is sometimes a Buyer's largest purchase, they will likely want a professional,qualified inspection completed on the property. The Buyer may use a professional home inspector or have afriend of family inspect the home. At this stage they are looking for issues with the home that they are eithercomfortable taking on, or they may request to re-negotiate to address these issues. This may include aconcession on price, or a request to repair as part of the contract. This is a request and negotiation that bothparties must agree to. We will walk you through all your options before negotiating and agreeing on anything.Keep the home in show home condition as the Buyer is likely to attend and you want to continue toimpress them. Make sure all pilot lights are on, all systems are functioning and ready to be tested.You should vacate the property while the inspection is being completed to allow the Buyer’s and theirinspector to speak freely. The Buyer’s REALTOR® will be present for the inspection, as well.Ensure appliances and equipment are in proper working order for the inspection.Title Review: The Buyers will be reviewing this document, and completing appropriate initials andsignatures acknowledging they have reviewed it and are satisfied.Strata documents: For strata developments, a Buyer will want to inspect and approve all strata corporationdocuments that outline the strength of the building/development as a whole, including any rules, regulations,bylaws, financial documents, engineering reports, legal opinions, etc.Step 6: Offers & Negotiations

Meet With A Lawyer Once you have chosen a lawyer or notary, our conveyance department will send your lawyer all the requiredpaperwork and information. You will meet with your lawyer within 2 weeks prior to the buyer taking possession tosign the final title transfer paperwork and legal documents. Your lawyer/notary will prepare a statement ofadjustments which factors in all fees and financial components (mortgage payouts, legal fees, real estate fees, etc.)to determine the net proceeds of sale.Subject Removal Form Lawyers vs. Notaries: What is the difference?The simple answer to this common question is thatnotaries cannot offer a legal opinion, represent clients incourt and are limited in their remedies if somethinggoes wrong during the transaction. Their work isrestricted to non-contentious matters where thoseinvolved are in agreement, and often involves notarizing,or witnessing people's signatures on documents.Unlike lawyers, notaries cannot provide legal advice orservices on specific matters. For example, they are notable to provide services related to family law, such asseparation or divorce. Notaries can provide servicesincluding the preparation of wills, drafting affidavits, andnotarizing documents. Lawyers, on the other hand, mayrepresent clients on legal matters, inside and outside thecourtroom.Another notable difference between lawyers andnotaries is that lawyers generally must obtain twouniversity degrees in order to be certified to practicelaw; an undergraduate degree, and a law degree. Aftergraduating from law school, those hoping to becomelawyers in BC also have to complete the ProfessionalLegal Training Course and articl0e at a law firm for oneyear before they can practice law. (Articling is similar toa practicum that medical students have to complete.)Notaries are not required to have a law degree.Although lawyers require more education and trainingthan notaries, it is a common misconception thatnotaries charge less for services provided. In manycommunities where there are both lawyers andnotaries, the fees charged by both are competitive.Once the Buyer has completed their due diligence andsatisfied the conditions of the contract, they will sign thesubject removal form making the contract "firm and binding".This is when they provide their deposit. The deposit formspart of their down payment and is usually held by the realestate brokerage, in trust, until completion date.Step 7: Finalizing the Sale

Completion Day: This is the day the official title of the home istransferred to the Buyer. Your lawyer/notary will call once all themoney has been transferred and the home has been registeredin their name with the Land Titles Office. This usually happenstowards the end of the day.Possession Day: This is the day the new home owner takesactual possession of the home. All keys, access cards for the home or mail boxes, automaticdoor openers for garages or parking bays are to be left forthe new home ownersIt's a common courtesy to leave behind any paint remnants,flooring leftovers, etc. for features and finishes of the homeThings To Do Before You MoveMovers: If you are using professional movers, book early!Mailing Address: Gather and create an inventory of places that require your new mailingaddress. You may also want to consider having your mail forwarded through Canada Post toensure you haven't missed anything.Utilities: It's important to set up your utilities such as phone, cable, internet, power, water,and gas at your new address as well as cancel the utilities at the previous address. MortgagePre-ApprovalFind the PerfectHomeStep 8: Moving Completion & PossessionPossession1-2 weeks 1-3 weeks 1-2 weeks +/- 30-90 daysfrom offer date

What are my potential costs whenselling a home?Lawyers or Notary fee ($750+)To assist with drafting documents and ensuring the title of the home is properly transferred. Mortgage payout penalties and discharge fees ($100 - $1000+'s)This can vary from institution to institution. It is recommended to contact your lending institution before listingyour home to ensure you are aware of the total approximate costs of discharging or transferring yourmortgage.Condo Fee ($50 - $200)Some strata properties charge a move-out fee.Moving FeesMoving fees vary depending on the distance moved and whether professional movers do all the packing. Atthe very least factor in a nominal amount to pay your friends and family to help you on top of the truck rentalcost.Commission FeesWhat does it cost to hire a REALTOR®? Most REALTOR®s are paid after ownership is transferred. Fees aretypically paid to the real estate company by the lawyer or notary in the transaction, by the seller from the saleproceeds.AdjustmentsProperty Taxes: Depending on the Contract of Purchase and Sale, a buyer will likely be required toreimburse the seller for any prepaid property taxes. The lender may require the buyer to add property taxinstallments to monthly mortgage payments. Property taxes are payable on the first business day of July.Utility Bills: A buyer is typically required to reimburse the seller for any prepayments for municipal sewerand water fees.Rent (tenanted properties)Strata FeesSupplemental: Seller Costs OverviewYou’ve decided to sell a home, it’s important youunderstand all the costs involved, in addition to thepurchase price a buyer is paying.

8 Weeks Before MovingContact movers or truck rental companies to get estimatesIf you have unwanted or unneeded items, plan a garage sale and set a dateArrange to transfer school records if you have childrenStart a "move file" for all receipts, papers, estimates related to your move6 Weeks Before MovingSelect a mover or truck rental company and arrange pick-up and deliverydatesIf you are moving to a new city, ask your attorney, doctor, and other providersfor referrals and necessary recordsIf you have pets, schedule a check-up and get a copy of veterinary recordsSet schedules with real estate agents and/or landlords4 Weeks Before MovingScheduledisconnection dates with your local utility companiesNotify the appropriate utility companies of connection dates for your newhomeCancel newspaper subscription and trash pickup effective on your movingdateCheck with your local post office for change of address formsFor strata properties, contact strata to reserve the elevator for your move dataand obtain details where you can park your moving truck during the move1 Week Before MovingClean out refrigerator and defrost freezerHave your car serviced if you will be moving/driving a long distanceConfirm connection dates for utilities in your new homeTransfer or close your chequing accountBe sure to get all items from your safety deposit boxMoving DaySpend the entire day at home with the moversCarry any valuables or family heirlooms with youJust before the movers leave, take a final tour of your homeMake sure nothing has been left in drawers or closetsClean home or arrange for cleanersAs you leave, be sure all windows and doors are lockedWhom to NotifyWaterGasElectricityTelephonePost OfficeCable/InternetRental CompaniesMobile Phone ProviderBanksBuilding SocietiesCredit Card CompaniesNational Savings andBondsEmployerInsurance CompaniesPension CompaniesSocial SecurityDoctorDentistOptometrist & OpticianPhysiotherapistChiropractorMassage TherapistHealth InsuranceICBCVehicle RegistrationAgencyVehicle InsuranceFriends and FamilySuscriptions ClubMembershipsLibrarySchools/CollegesSupplemental: Moving ChecklistsH O L G A R DR E A L E S T A T E G R O U P

C O N T A C TU SEric Nygard604.715.2900EricNygardRealtor@gmail.comwww.HolgardGroup.comH O L G A R D G R O U P I S AD E D I C A T E D & P A S S I O N A T E R E A L E S T A T E T E A MH O L G A R DR E A L E S T A T E G R O U P