THG Home Buying Packet : simplebooklet.com

THGadmin@livian.comwww.RedStickSold.com(225)-234-0022 | (225)-768-180001MVVBPP E R S P E C T I V EV I S I O NB E L I E F SEnriching the quality of lives in our communities while creating lifelongrelationships.We seek to develop our business as a means to make positive changes for us, our clients, and the world around us. The more successful we are as a team, the more impactful we can be.To conquer our local markets and become the #1 real estate team in the Gulf States Region by 2024.“God, Family, Business” Every action we take reects these values. We believe in earning our client’s trust and loyalty by committing to achieving our goals and honoring our standards. We value open communication, seek rst to understand, and commit to honesty and direct discussion to resolve problems.V elocityA ccountabilityL earning BasedU nityE xceeding in ExpectationsS uccess in SatisfactionM I S S I O NVALUEM VV B P

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Analyze your needs in a consultationObtain nancialpre-qualication& pre-approvalSelect & viewpropertiesWrite an offerto purchaseNegotiate andcounterofferAccept the contractComplete the mortgage application*Secure underwritingObtain loan ApprovalSchedule termite & surveyContact title companyClose on propertyMove into your newhome!Credit reportInspectionsEarnest deposit moneyConditionsRejectionTitle exam &title insuranceCall totransfer utilitiesAppraisalRemovecontingenciesVericationsDepositInspection FeeAppraisalCredit Report*IF NOT ALREADY PRE-APPROVED.THE HOME BUYING PROCESSMONEY UPFRONT04THGadmin@livian.comwww.RedStickSold.com(225)-234-0022 | (225)-768-1800

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THE COSTS OF BUYING A HOMEWhen it comes to purchasing your rst home, preparation is key. Here are a few costs you might need to plan for outside of the purchase price. Since these are average estimates, though, be prepared for costs to vary widely based on state, region, size, and age of the home, as well as other factors.3% to 6% of the loanHome owners insurance premiumLender FeesTitle FeesAdmin FeesTaxesSETTING UP ESCROW HOME INSPECTION HOME APPRAISAL$300+$300+CLOSING COSTS05THGadmin@livian.comwww.RedStickSold.com(225)-234-0022 | (225)-768-1800

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OUR TRACK RECORD OF SUCCESSWHY THE HOUK GROUP AS YOUR REALTORS?THE HOUK GROUP GBRAR SNAPSHOTOur team is ranked in theTOP 10 in the Keller WilliamsGulf Coast RegionRanked TOP 1% in the Greater Baton Rouge Association of Realtors.Helped370 Families buy or sell.98.5% List to sales price ratioReferrals from friends,family & past clients make up70% of our business. Our team is focused on what you want, what you need, and to keep it as great as it can possibly be. Our promise is to always be real people ready to help you reach your goals!2016, 2017, 2018, 2019, 2020, 2021 & 2022: Double Platinum Award2016 : Top Listings Award & Top Closed Volume2007, 2010 & 2011: Everest Circle - the highest peak!2009 - 2011: Technology Chair for Keller Williams Red Stick Partners2008 - 2001, 2017: Agent Leadership Council Award2007 Rookie of the Year with over 5 million dollars in transactions06We have a proven track record of excellence & aim to make each transaction a WIN/WIN. With a servants heart & a business focus, we have delivered these results to over 2,000 families.THGadmin@livian.comwww.RedStickSold.com(225)-234-0022 | (225)-768-1800

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MAKING AN OFFEROnce you have found the property you want, we will write a purchase agreement. While much of theagreement is standard, there are a few areas that we can negotiate:What you offer on a property depends on a number of factors, including its condition, length of time on the market, buyer activity, and the urgency of the seller. While some buyers want to make a low offer just to see if the seller accepts, this often isn’t a smart choice, because the seller may be insulted and decide not to negotiate at all.By far, the most common response is the counteroffer. In these cases, my experience and negotiating skills become powerful in representing your best interests. When a counteroffer is presented, you and I will work together to review each specic area of it, making sure that we move forward with your goals in mind and ensuring that we negotiate the best possible price and terms on your behalf.If you can be exible on the possession date, the seller will be more apt to choose your offer over others.Often, the seller plans on leaving major appliances in the home; however, which items stay or go is often a matter of negotiation. Typically, you will not be present at the offer presentation - we will present it to the listing agent and / or seller. The seller will then do one of the following: Accept the offer. Reject the offer. Counter the offer with changes.07THE PRICETHE MOVE-IN DATEADDITIONAL PROPERTYTHGadmin@livian.comwww.RedStickSold.com(225)-234-0022 | (225)-768-1800

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FREQUENTLY ASKED QUESTIONSCan you help me nd new construction homes?How does for sale by owner (FSBO) work?Can we go back through our property again once an offer is made, but before posession?Once my offer is accepted, what should I do?The Multiple Listing Service Website provides up-to-date information for every home on the market. I constantly check the New on Market list so I can be on the lookout for my clients. I will get you this information right away, the way that is most convenient for you; by phone and / or email.I will keep you informed of all homes. I want to help you nd your dream home, which means I need to stay on top of every home that’s on the market.Yes, I can work with most builders and get you the information you need to make a decision. On your rst visit with the builder, I will accompany you. By using my services with a new construction home purchase, you will receive the services I offer, as well as those provided by the builder at no additional cost.Homeowners trying to sell their home without agent representation are usually doing so in the hopes of saving the commission. If you see a FSBO and want the advantages of my services, let me contact the owner for you and make an appointment. Most times the homeowner will work with an agent, even though their home is not listed, since the agent is introducing a potential buyer to their property.Usually, we can notify the seller and schedule a convenient time to visit the property again. Immediately before closing, we will schedule a nal walk-through and inspection of your new home.Celebrate and focus on moving into your new home! You will want to schedule your move, pack items and notify businesses of your address change. I will provide you with a moving checklist to help you remember all the details. I will also give you a good faith estimate and HUD statement, which will indicate the amount you will need to bring to closing.08How will you tell me about the newest homes available?Will you inform me of homes from all real estate companies, or only Keller Williams Realty?F.A.QTHGadmin@livian.comwww.RedStickSold.com(225)-234-0022 | (225)-768-1800

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BUYER LOYALTY SERVICE PLEDGE09The Houk Group will only commit to working with motivated and qualied individuals in purchasing a home.Immediately seek pre-approval from a home lender.Notify your agent of any listed homes you see or inspect.Inform all builders, For Sale by Owners, and other real estate agents (including open house) that you are represented through your agent at Keller Williams Realty Red Stick Partners.We will, with your written permission, expose you and your buying needs through newspaper advertising, target mailings, and telemarketing. If you prefer not to have your name published, we can still advertise your particular property needs.The Houk Group will mail and follow up by telephone to everyone who owns a home similar to the property you are searching for, whether it is a particular oor plan, neighborhood, county acreage, school district, or price range.The Houk Group promises to immediately enter your buyer needs into the multiple listing database exposing your particular buying needs to the entire real estate community.You will have the rst opportunity to purchase the best buys available in our market place.You will receive complimentary services such as invitations to homes before they are listed, client parties, and special promotions.You will always have someone to assist you. If your agent is not available, your personal Client Care Manager will step in to assist you. We are totally committed to assisting you in nding the right property to suit your needs. A lot of time and research has been spent on this program. We only ask for your loyalty and commitment to purchasing property from our company.This means:Sincerely,01010203020304050607Buyer PartnerClient SignatureDateThe Houk GroupKeller Williams Realty Red Stick PartnersTHGadmin@livian.comwww.RedStickSold.com(225)-234-0022 | (225)-768-1800

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COMMANDMENTS OF PURCHASING A HOME1001020304050607080910Thou shall not change jobs, become self-employed, or quit your job.Thou shall not buy furniture, or a vehicle (or you may be living in it!)Thou shall not use credit cards excessively or let current accounts fall behind.Thou shall not spend money you have set aside for closing.Thou shall not omit debts or liabilities from your loan application.Thou shall not use any “mattress money” during your loan transaction.Thou shall not originate any inquiries into your credit.Thou shall not make large deposits without checking with your loan ofcer.Thou shall not change bank accounts.Thou shall not co-sign a loan for anyone.11THGadmin@livian.comwww.RedStickSold.com(225)-234-0022 | (225)-768-1800

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OUR PROMISE TO YOU12“Our Promise” is to create an experience that you honestly cannot imagine being better. Our team is focused on what you want, what you need, and to keep it as great as it can possibly be. Now, there will be challenges. After all, it’s real estate but it’s also real people with real hopes and real dreams. Know that to our clients, our group is focused on creating that A++ experience. “Our Promise” is that you will feel so great about what we are doing for you, that you will call or text us with the name of someone in your own life who needs help in real estate. They might just need help to buy or sell their home, they need to renance, or just have real estate questions. Regardless, we are here with the answers and will take the time to truly listen and lend a hand. “Our Promise” is to always be “real” people ready to help you reach your goals.THGadmin@livian.comwww.RedStickSold.com(225)-234-0022 | (225)-768-1800

THG Home Buying Packet

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