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SERVING SOUTHWEST FLORIDA FOR OVER 40+ YEARSTHE WHITCOMB GROUPREAL ESTATE GUIDE TO BUYING AND SELLING YOUR HOME

THE WHITCOMB GROUP - IT’S NOT JUST ABOUT THE SALE, IT’S ABOUT THE PEOPLE!We are Stan and Scott Whitcomb, foundingpartnersofThe Whitcomb Groupand third-generation in real estate sales, building, anddevelopment. Born in Florida andraised in Naples, we striveto fosterfriendships, to provideguidance for those who may beunfamiliar with the Naples area,and to turn clients into lifelong brand ambassadors. We firmly believe that the sale of your home deserves long-standing expertise within thelocalmarket, and that is why we have built relationships with the most influential marketing outlets in print, digital, and social media. Our loveof Naples and our knowledge of thearea will provide you with atrue insider’s perspective when it comes to luxury home listings, expert marketingstrategies, and trusted building services.In thenext few pages you will see why workingwith TheWhitcomb Group is oneofthe bestdecisions you can make. Thank you!Message from the Founders -Stan & Scofi2

THE WHITCOMB GROUP - IT’S NOT JUST ABOUT THE SALE, IT’S ABOUT THE PEOPLE!We are Stan and Scott Whitcomb, foundingpartnersofThe Whitcomb Groupand third-generation in real estate sales, building, anddevelopment. Born in Florida andraised in Naples, we striveto fosterfriendships, to provideguidance for those who may beunfamiliar with the Naples area,and to turn clients into lifelong brand ambassadors. We firmly believe that the sale of your home deserves long-standing expertise within thelocalmarket, and that is why we have built relationships with the most influential marketing outlets in print, digital, and social media. Our loveof Naples and our knowledge of thearea will provide you with atrue insider’s perspective when it comes to luxury home listings, expert marketingstrategies, and trusted building services.In thenext few pages you will see why workingwith TheWhitcomb Group is oneofthe bestdecisions you can make. Thank you!Message from the Founders -Stan & Scofi-TABLE OF CONTENTSMEET THEWHITCOMB GROUP | 4RECENT TOP SALES | 6CLIENT TESTIMONIALS | 7NEW CUSTOM HOMES | 8FUN AROUND NAPLES | 31REAL ESTATE TERMS | 32TRUSTED VENDORS | 33IMPORTANT PHONE NUMBERS | 33WHY THE WHITCOMB GROUP | 34SELLERS’ GUIDE | 9Home Sellers’ RoadmapFind a Great AgentEstablishing a PricePrepare Your HomeListing Your HomeMarketing Your HomeShowingsOffers & NegotiationsUnder ContractFinal DetailsClosing DayBUYERS’ GUIDE | 21Home Sellers’ RoadmapFind a Great AgentFinancialsTour HomesMake an OfferInspectionAppraisalSchedule Your MoveClosing3

MEET THE WHITCOMB GROUPWHO YOU HIRE DOES MATTER! The Whitcomb Group consists of a team of highly trained, full-time professional real estate agents who know how to save you time and effort before, during, and after the transaction.We know the people, the history of the developments, and the Southwest Florida market. With our strong insight into the trends and history of the market, The Whitcomb Group will provide you with all the information required to make informed decisions about your home.Thank you for choosing us as your trusted real estate advisors.4

SCOTT WHITCOMBFOUNDING PARTNER239-595-5547STAN WHITCOMBFOUNDING PARTNER239-564-5252MEET THE WHITCOMB GROUPSAMANTHA KIFFNEYREAL ESTATE SPECIALIST239-227-5783BRIAN HUNTREAL ESTATE SPECIALIST845-612-9235BRIAN HUNTREAL ESTATE SPECIALIST845-612-9235GINA NELSONREAL ESTATE SPECIALIST239-315-3178MICHI PEREZREAL ESTATE SPECIALIST239-821-4141DJ THOMASREAL ESTATE SPECIALIST952-846-82175

CLIENT TESTIMONIALSStan and Scott were great to work with. They understood our needs and were very focused. They were very patient and helpful. At closing they were like magicians getting everything done. I would use them again and have recommended them to friends who loved them as well.Frank R. - GoogleMade selling my home a breeze! Explained everything in a way that is easy to understand. Very professional, experienced and helpful. Always available to answer questions and responded quickly. Got the best price for my home. Highly recommend.Nicole O. - GoogleThis is the team to go to when you want things done right. They successfully helped me close on a 10x real estate profit.Mike W. - GoogleSee all our reviews on Zillow and Googleby scanning the QR Codes!Stan & Scott have exceeded expectations! Work ethic, professionalism and attention to detail were parmount to finding the perfect beachfront property in a difficult buyer’s market. Also, very knowledgeable in preparing my existing gold course home for a quick successful sale. Nick G. - GoogleLove your experience with the Whitcomb Group? Write us a review. Stan was amazing at sellingmy home. My home posed many challenges because it was gutted and uninhabitable, and he was still able to find (many) buyers within days. He also went far out of his way to resolve some of the payment issues that arose with the bank. He was always very prompt in his responses and delivered with so much patience and a smile.Carolyn B. - ZillowRECENT TOP SALES$6,650,000 $10,999,000LOT IN ROYAL HARBOR P ELICAN BAY PRE-CONSTRUCTION TALIS PARK RESALETALIS PARK RESALE LOT IN PARK SHORE TALIS PARK RESALETALIS PARK RESALE QUAIL WEST NEW CONSTRUCTION PARK SHORE RESALE1900 KINGFISH ROAD 817 BUTTONBUSH LANE 16439 SENECA WAY16373 CORSICA WAY 405 NEAPOLITAN WAY 16836 BRIGHTLING WAY16448 TALIS PARK DRIVE 6405 HIGHCORFT DRIVE304 TURTLE HAT CH ROAD6www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

CLIENT TESTIMONIALSStan and Scott were great to work with. They understood our needs and were very focused. They were very patient and helpful. At closing they were like magicians getting everything done. I would use them again and have recommended them to friends who loved them as well.Frank R. - GoogleMade selling my home a breeze! Explained everything in a way that is easy to understand. Very professional, experienced and helpful. Always available to answer questions and responded quickly. Got the best price for my home. Highly recommend.Nicole O. - GoogleThis is the team to go to when you want things done right. They successfully helped me close on a 10x real estate profit.Mike W. - GoogleSee all our reviews on Zillow and Googleby scanning the QR Codes!Stan & Scott have exceeded expectations! Work ethic, professionalism and attention to detail were parmount to finding the perfect beachfront property in a difficult buyer’s market. Also, very knowledgeable in preparing my existing gold course home for a quick successful sale. Nick G. - GoogleLove your experience with the Whitcomb Group? Write us a review. Stan was amazing at sellingmy home. My home posed many challenges because it was gutted and uninhabitable, and he was still able to find (many) buyers within days. He also went far out of his way to resolve some of the payment issues that arose with the bank. He was always very prompt in his responses and delivered with so much patience and a smile.Carolyn B. - Zillow7www.THEWHITCOMBGROUP.com

NEW CUSTOM HOMESThe Whitcomb Group can help create the ideal home of your dreams.The Whitcomb Group works with the best builders throughout Southwest Florida, in areas such as Park Shore, Pelican Bay, Conners, Talis Park, Royal Harbor - and more.The Whitcomb GroupA TRADITION YOU CAN TRUST!8www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

THE WHITCOMB GROUPSELLERS’ GUIDE9

HOME SELLERS’ ROADMAPSelling a home can be a trying, difficult process. But, The Whitcomb Group will assist you every step of the way to ensure the smoothest possible transition. Our Home Sellers’ Roadmap is an outline of the process, a guideline for helping you have a successful home selling experience.FINDING A GREAT AGENTFind a great agent that you’re comfort-able working with.PRICINGWork with TWG to price your home competitively.UNDER CONTRACTThe contract becomes binding after you and the buyer agree on the contract terms.FINAL DETAILSStart packing and be prepared for delays.SHOWINGSBe flexible to get as many potential buyers viewing your home as possible.LISTINGList your home to be viewable by potential buyers.DISCLAIMER: This roadmap is only a quick overview of the selling process. MARKETING TWG will ensure that your home is marketed across multiple platforms.wof the selling process. OFFERSTWG will help youconsider all presented offers and negotiate them fairly.AAIMER: This roadmap is onCLOSINGAttend the closing meeting, transfer keys, and celebrate!STAGINGPresentation is key. Prepare your home to be shown.10

FINDING A GREAT AGENTCONNECTING YOUR HOME WITH PROSPECTIVE BUYERSFrom professional pictures to the listing, from open houses to magazine ads and social media, The Whitcomb Group ensures your property gets maximum exposure.SHOW ME MORE MONEY!At The Whitcomb Group we are experts at negotiating top dollar for your home.ATTENTION TO DETAILThe process of selling a home requires a good deal of paperwork. As your trusted real estate advisors, we will help you with all the documents and get them submitted properly.PROFESSIONAL NEGOTIATORSNegotiating on your behalf is where we really shine! Our agents will deal with any difficult conversations that need to happen, and The Whitcomb Group will also help you consider all offers and negotiate with all potential buyers on your behalf.EXPERT GUIDESWith a strong insight into market history and real estate trends, our agents can provide you with all the information you need to make informed decisions throughout the home selling process.CONGRATULATIONS on hiring The Whitcomb Group for the sale of your home! We promise to be a huge asset to you as you go through the home-selling process.Selling your home is one of the biggest transactions of your life and you need skilled professionals guiding you through the process. The real estate agents at The Whitcomb Group will be working on your behalf, and with your best interests in mind. Our agents will help guide you through all the stages of selling your home.1StepWhat's Next...SELLERS’ GUIDE11www.THEWHITCOMBGROUP.com

ESTABLISHING A PRICEPRICING YOUR HOME COMPETITIVELYThe listing price is one of the most important factors in successful selling your home. Many people tend to list their home too high, which makes getting offers take much longer, and causes them to drastically move on the price. The agents at The Whitcomb Group stay informed on what homes are currently selling for in your area. We will help guide you in setting the perfect initial listing price. Homes that are competitively priced have a much greater chance of selling in a timely manner.2StepWHAT DETERMINES THE PRICE?Remember that your home is only worth what buyers are willing to pay. The Whitcomb Group will run a comparative marketing analysis (CMA) and provide you with a list of other houses that have sold recently in your area. This will help you see what homes of comparable size and condition to yours are going for in the current market. You also have the option to request having a home appraisal conducted to give you a better idea of the home's value. 12www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

PREPARE YOUR HOME3StepHOME STAGING TIPSThere are many levels of home staging to choose from based on your budget and the value of staging in your area. Whether you choose to DIY or hire a professional, do your best to neutralize and depersonalize as much as possible to appeal to the widest range of potential buyers.You can increase your number of showings by allowing agents to use a lockbox instead of setting appointments. If you are setting appointments, try to be as flexible as possible.The Whitcomb Group will schedule professional photos of your home as these determine the first impression the potential buyer will have of your house.There are many quick and inexpensive things you can do to increase the likelihood of selling your home; doing a quick clean up around the inside and outside of the home, de-cluttering spaces, checking for leaky faucets, and pulling weeds in the front yard.When potential buyers are coming through your home, make sure to keep all valuables and personal information out of sight. Also remove any family photos and replace them with artwork. You want the potential buyer to be able to imagine themselves living in the home.SELLERS’ GUIDE13www.THEWHITCOMBGROUP.com

LISTING YOUR HOME4StepYour online presence is one of the most important aspects in attracting a prospective buyer, and most buyers begin their search on the internet. Having your home professionally marketed by The Whitcomb Group will give you the leading advantage of attracting your ideal buyer.BRAVO! Your home is officially on the market! When you trust in The Whitcomb Group to list and sell your home, you will experience unparalleled real estate marketing expertise. Due to their commitment to employing the most effective marketing strategies, they have become Southwest Florida’s Realtor of choice.The dedicated team at The Whitcomb Group utilizes cutting-edge strategies to showcase properties, ensuring maximum visibility in the market. From targeted online campaigns to traditional advertising channels, they customize their approach to suit each property’s unique characteristics.14www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

LISTING YOUR HOME4StepYour online presence is one of the most important aspects in attracting a prospective buyer, and most buyers begin their search on the internet. Having your home professionally marketed by The Whitcomb Group will give you the leading advantage of attracting your ideal buyer.BRAVO! Your home is officially on the market! When you trust in The Whitcomb Group to list and sell your home, you will experience unparalleled real estate marketing expertise. Due to their commitment to employing the most effective marketing strategies, they have become Southwest Florida’s Realtor of choice.The dedicated team at The Whitcomb Group utilizes cutting-edge strategies to showcase properties, ensuring maximum visibility in the market. From targeted online campaigns to traditional advertising channels, they customize their approach to suit each property’s unique characteristics.SELLERS’ GUIDEMARKETING YOUR HOMEBy working with The Whitcomb Group, you can access a comprehensive marketing arsenal to elevate your home’s presence and attract potential buyers. Join forces with The Whitcomb Group, where properties are not just listed; they are strategically showcased for success in today’s dynamic real estate landscape.The Whitcomb Group leverages multiple channels to get the right audience looking at clients' homes:5StepONLINE PRESENCE Your home will be marketed across several digital channels to ensure maximum exposure and traffic including The Whitcomb Group website, third- party real estate sites such as Zillow, Realtor.com and many more.SOCIAL MEDIAThe Whitcomb Group has well over 2,000 followers on Instagram personally and professional and over 5,000 followers on Facebook. Throughout this active network, information about your open house and details about your listing will with be shared and marketed. EMAIL MARKETINGNothing beats the power of an email, and The Whitcomb Group has a list of over 15,000 active recipients in order to get your information to the right people.@THEWHITCOMBGROUP_NAPLES15www.THEWHITCOMBGROUP.com

PRINT ADVERTISINGThe Whitcomb Group advertise in some of Naples most recognized and distributed magazines.DIRECT MAILWe leverage traditional mailers to hit the right doorsteps at the right time. There is power in the ‘Just Listed for Sale’ postcards16www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

SHOW INGS6StepThe most important thing to keep in mind while showing your home is flexibility.The Whitcomb Group will set up private showings as well as Open Houses to get as many potential buyers in your home as possible. Keep a daily to-do list so you're ready to leave at a moment's notice.Make sure to find a place for your pets during showings. You want the potential buyer to be able to envision themselves living here and that can be difficult with a barking dog in the background.SELLERS’ GUIDE17www.THEWHITCOMBGROUP.com

7StepOFFERS & NEGOTIATIONSDepending on your market, you may receive multiple offers if your home is priced right. The Whitcomb Group will be your best advocate at this point. We will help you review each offer and decide which is best for you.Be sure to disclose any current issues with your home of which you are aware in order to avoid legal matters arising in the future.The negotiation process is where The Whitcomb Group really shines! Be prepared to negotiate. When you receive an offer you have a few choices: You can accept the offer as it is, make a counter-offer, or reject the offer altogether.Often, negotiations can take several counter-offers before an agreement is reached. We will work diligently with you on this process, and guide you every step of the way!UNDER CONTRACT8StepAn offer doesn't become binding until both the buyer and seller agree to the terms and sign a contract.At this stage, several things still need to occur before closing. These include: home inspection, title search, property survey, and a final walk-through by the buyer within 24 hours of the closing.The Whitcomb Group will be there every step of the way!Our TurnFINAL DETAILS9StepThis is a great time to get started packing. Be sure that all insurances are currently active and paid in full. But, be prepared as delays can happen.18www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

7StepOFFERS & NEGOTIATIONSDepending on your market, you may receive multiple offers if your home is priced right. The Whitcomb Group will be your best advocate at this point. We will help you review each offer and decide which is best for you.Be sure to disclose any current issues with your home of which you are aware in order to avoid legal matters arising in the future.The negotiation process is where The Whitcomb Group really shines! Be prepared to negotiate. When you receive an offer you have a few choices: You can accept the offer as it is, make a counter-offer, or reject the offer altogether.Often, negotiations can take several counter-offers before an agreement is reached. We will work diligently with you on this process, and guide you every step of the way!UNDER CONTRACT8StepAn offer doesn't become binding until both the buyer and seller agree to the terms and sign a contract.At this stage, several things still need to occur before closing. These include: home inspection, title search, property survey, and a final walk-through by the buyer within 24 hours of the closing.The Whitcomb Group will be there every step of the way!Our TurnFINAL DETAILS9StepThis is a great time to get started packing. Be sure that all insurances are currently active and paid in full. But, be prepared as delays can happen.SELLERS’ GUIDE19www.THEWHITCOMBGROUP.com

THE WHITCOMB GROUPBUYERS’ GUIDECLOSING DAY10StepClosing is the final step in your home selling process.During the closing, the deed is delivered to the buyer, the title is transferred, financing documents and title insurance policies are exchanged, the agreed-upon costs are paid and some of the final documents are signed.Remember, that at closing time you may be required to pay agent commissions, loan fees, title insurance charges and recording filing fees.Congratulationson selling your home with The Whitcomb Group!20www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

THE WHITCOMB GROUPBUYERS’ GUIDEBUYERS’ GUIDE21

www.THEWHITCOMBGROUP.comFIND A GREAT AGENTCONNECT YOU WITH THE PERFECT HOMEThe Whitcomb Group often has access to prior information about homes going on the market before the general public. We will help you arrange tours of homes that meet your criteria.NEIGHBORHOOD KNOWLEDGEThe Whitcomb Group’s impressive knowledge of the area will give you an insider’s perspective when it comes to selecting your home in the right neighborhood for the right price.ATTENTION TO DETAILThe process of buying a home requires a good deal of paperwork. As your trusted real estate advisors, we will help you with all the documents and get them submitted properly.PROFESSIONAL NEGOTIATORSWe deal with any difficult conversation that needs to happen. The Whitcomb Group will also help you submit a strong offer and negotiate with the seller on your behalf.EXPERT GUIDESWith a strong insight into market history and real estate trends, our agents can provide you with all the information you need to make informed decisions throughout the home buying process.CONGRATULATIONS on hiring The Whitcomb Group to help you find your dream home!We promise to be a huge asset to you as you go through the buying process. Buying a home is one of the biggest transactions of your life and you need skilled professionals guiding you through the process. The Whitcomb Group will be working on your behalf, and with your best interests in mind. We will help guide you through all the stages of buying your home.1StepWhat's Next...HOME BUYERS’ TIMELINE**This is an approximation of the timeline and varies person to person.6 MONTHS• Review finances• Get pre-approval3 MONTHS• Select buyers agent•Begin home search2 MONTHS• Resubmit pre-approval• Make offer & negotiate1 MONTHS• Get home inspection• Order appraisal1-2 WEEKS• Loan approval• Final walk-throughFINAL• Pay closing costs• Sign paperwork• Get your keys!HOME BUYERS’ ROADMAPFINDING A GREAT AGENTCongratulations! You’re working with Southwest Florida’s best agents - The Whitcomb Group!FINANCIALSDetermine what you can afford, run a credit check, and get pre-approved for a loan.TOURING HOMESWe will take you on a tour of homes that meet your criteria.MAKING AN OFFERMaking an offer and negotiating with the seller.INSPECTIONSSet up an inspection and plan to attend.APPRAISALSRequest an appraisal to be done on the new home.SCHEDULING YOUR MOVESchedule your moving date with movers, prepare and pack.CLOSINGAttend the closing meeting, get keys and celebrate.Buying a home can be a trying, difficult process. But, with The Whitcomb Group, that process will be efficiently streamlined. We will assist you every step of the way and ensure the smoothest possible transition. Our Home Buyers’ Roadmap is a guidelinefor helping you have a successful home buying experience.DISCLAIMER: This roadmap is only a quick overview of the buying process. 22www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

www.THEWHITCOMBGROUP.comFIND A GREAT AGENTCONNECT YOU WITH THE PERFECT HOMEThe Whitcomb Group often has access to prior information about homes going on the market before the general public. We will help you arrange tours of homes that meet your criteria.NEIGHBORHOOD KNOWLEDGEThe Whitcomb Group’s impressive knowledge of the area will give you an insider’s perspective when it comes to selecting your home in the right neighborhood for the right price.ATTENTION TO DETAILThe process of buying a home requires a good deal of paperwork. As your trusted real estate advisors, we will help you with all the documents and get them submitted properly.PROFESSIONAL NEGOTIATORSWe deal with any difficult conversation that needs to happen. The Whitcomb Group will also help you submit a strong offer and negotiate with the seller on your behalf.EXPERT GUIDESWith a strong insight into market history and real estate trends, our agents can provide you with all the information you need to make informed decisions throughout the home buying process.CONGRATULATIONS on hiring The Whitcomb Group to help you find your dream home!We promise to be a huge asset to you as you go through the buying process. Buying a home is one of the biggest transactions of your life and you need skilled professionals guiding you through the process. The Whitcomb Group will be working on your behalf, and with your best interests in mind. We will help guide you through all the stages of buying your home.1StepWhat's Next...HOME BUYERS’ TIMELINE**This is an approximation of the timeline and varies person to person.6 MONTHS• Review finances• Get pre-approval3 MONTHS• Select buyers agent•Begin home search2 MONTHS• Resubmit pre-approval• Make offer & negotiate1 MONTHS• Get home inspection• Order appraisal1-2 WEEKS• Loan approval• Final walk-throughFINAL• Pay closing costs• Sign paperwork• Get your keys!BUYERS’ GUIDE23www.THEWHITCOMBGROUP.com

FINANCIALSHOW MUCH HOME CAN YOU AFFORD?Lenders recommend that you spend no more than 3-5 times your annual income on a new home.You can find many mortgage calculators online, which provide a great starting point. When calculating, don't forget to include extra expenses like attorney fees, home inspections, appraisal costs, and money for any home improvements.DO YOU NEED A DOWNPAYMENT?While it's ideal if you can put a 20% down While it's ideal if you can put a 20% down payment on your new home, it certainly isn't payment on your new home, it certainly isn't necessary all the time. There are many ways to necessary all the time. There are many ways to put down much less, and with certain types of put down much less, and with certain types of loans you may need as little as 3.5%.loans you may need as little as 3.5%.Feel free to ask us any questions you may have Feel free to ask us any questions you may have about this or anything else.about this or anything else.2Stepwww.THEWHITCOMBGROUP.com www.THEWHITCOMBGROUP.comCREDIT CHECKHaving a credit check done is important in determining your mortgage approval and interest rates.While sometimes a score in the 500's can get you a loan, ideally you want to aim for 620 or above. The higher the score, the lower the interest rate.PRE-QUALIFIED AND PRE-APPROVEDOften, these terms can be used interchangeably in different areas. You will want to ask your real estate agent which is more credible and applicable in your market.Either way, being pre-qualified or pre-approved shows the seller that you're serious, and that you most likely have the funds to purchase the home should you choose to place an offer. Pre-approval can also help you budget moving forward, so you will know exactly what you can afford.Pre-approval does not guarantee a loan will be offered, so you still want to be careful with your spending during this time frame. Don't make any large purchases, change jobs, or apply for new credit cards during this period.24www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

FINANCIALSHOW MUCH HOME CAN YOU AFFORD?Lenders recommend that you spend no more than 3-5 times your annual income on a new home.You can find many mortgage calculators online, which provide a great starting point. When calculating, don't forget to include extra expenses like attorney fees, home inspections, appraisal costs, and money for any home improvements.DO YOU NEED A DOWNPAYMENT?While it's ideal if you can put a 20% down While it's ideal if you can put a 20% down payment on your new home, it certainly isn't payment on your new home, it certainly isn't necessary all the time. There are many ways to necessary all the time. There are many ways to put down much less, and with certain types of put down much less, and with certain types of loans you may need as little as 3.5%.loans you may need as little as 3.5%.Feel free to ask us any questions you may have Feel free to ask us any questions you may have about this or anything else.about this or anything else.2Stepwww.THEWHITCOMBGROUP.com www.THEWHITCOMBGROUP.comCREDIT CHECKHaving a credit check done is important in determining your mortgage approval and interest rates.While sometimes a score in the 500's can get you a loan, ideally you want to aim for 620 or above. The higher the score, the lower the interest rate.PRE-QUALIFIED AND PRE-APPROVEDOften, these terms can be used interchangeably in different areas. You will want to ask your real estate agent which is more credible and applicable in your market.Either way, being pre-qualified or pre-approved shows the seller that you're serious, and that you most likely have the funds to purchase the home should you choose to place an offer. Pre-approval can also help you budget moving forward, so you will know exactly what you can afford.Pre-approval does not guarantee a loan will be offered, so you still want to be careful with your spending during this time frame. Don't make any large purchases, change jobs, or apply for new credit cards during this period.BUYERS’ GUIDE25www.THEWHITCOMBGROUP.com

T OUR HOMES3Stepwww.THEWHITCOMBGROUP.comHOME SEARCHING TIPSTake photos with your phone while visiting each house. Organize the photos at home with the address of the property so you can remember details later.Focus on the things you can't change like the neighborhood location, the lot area, or the size of bedrooms.Test things as you walk through the home. Open and close windows, turn faucets on and flush toilets to make sure everything is in working order.We will start touring homes and weigh all the positive and negative aspects of each one.When you find the house that suits your needs, your next step will be to make an offer and go through the necessary negotiations.BEFORE YOU START:Make a list of all the things you need and want in a new home. Think about how many bedrooms and bathrooms you need.Do you want a big kitchen or is a fenced-in yard more important to you?26www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

T OUR HOMES3Stepwww.THEWHITCOMBGROUP.comHOME SEARCHING TIPSTake photos with your phone while visiting each house. Organize the photos at home with the address of the property so you can remember details later.Focus on the things you can't change like the neighborhood location, the lot area, or the size of bedrooms.Test things as you walk through the home. Open and close windows, turn faucets on and flush toilets to make sure everything is in working order.We will start touring homes and weigh all the positive and negative aspects of each one.When you find the house that suits your needs, your next step will be to make an offer and go through the necessary negotiations.BEFORE YOU START:Make a list of all the things you need and want in a new home. Think about how many bedrooms and bathrooms you need.Do you want a big kitchen or is a fenced-in yard more important to you?MAKE AN OFFER4StepOnce you've found the home you want, the next step is to make an offer. The Whitcomb Group will look at comparable properties in the area and decide on a strong first offer.Many owners price their homes a little high expecting to negotiate, and we always take that into consideration.NEGOTIATEThe negotiation process is where The Whitcomb Group really shines! Often, after the initial offer is presented, the owner will come back with a counter-offer.As a buyer, don't be afraid to bargain for what you want. Whether it's about the cost, the subject of a new roof or having the whole house painted, you don't know what they're willing to do unless you ask. We will guide you through every step of the way!BUYERS’ GUIDE27www.THEWHITCOMBGROUP.com

INSPECTION5Stepwww.THEWHITCOMBGROUP.comA PPRAISAL6StepYour lender will require an appraisal of the home before finalizing the loan.The home appraiser will take into account the neighborhood, housing market, age and condition of the home, etc.A property title search will ensure that the sellers are truly the owners of the property and that any liens or judgments are disclosed.LOAN APPROVAL The loan process is only fully complete when the lender approves the loan. You will receive a final approval letter after the lender has reviewed your income, credit report and employment status a second time.Home owners insurance is also required before the mortgage company will finalize the loan.Scheduling an inspection can be daunting. However, The Whitcomb Group has a list of trusted vendors they can contact on your behalf. A home inspection is a limited, non-invasive examination of the condition of a home, often in connection with the sale of that home. Home inspections are usually conducted by a home inspector who has the training and certifications to perform such inspections.28www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

INSPECTION5Stepwww.THEWHITCOMBGROUP.comA PPRAISAL6StepYour lender will require an appraisal of the home before finalizing the loan.The home appraiser will take into account the neighborhood, housing market, age and condition of the home, etc.A property title search will ensure that the sellers are truly the owners of the property and that any liens or judgments are disclosed.LOAN APPROVAL The loan process is only fully complete when the lender approves the loan. You will receive a final approval letter after the lender has reviewed your income, credit report and employment status a second time.Home owners insurance is also required before the mortgage company will finalize the loan.Scheduling an inspection can be daunting. However, The Whitcomb Group has a list of trusted vendors they can contact on your behalf. A home inspection is a limited, non-invasive examination of the condition of a home, often in connection with the sale of that home. Home inspections are usually conducted by a home inspector who has the training and certifications to perform such inspections.BUYERS’ GUIDE29www.THEWHITCOMBGROUP.com

CLOSINGSCHEDULE YOUR MOVE7Stepwww.THEWHITCOMBGROUP.com8StepYou will want to get movers scheduled as soon as possible.If possible, avoid scheduling the move and closing on the same day. If you will be doing renovations, start getting quotes from contractors.Make sure you set up the transfer of utilities for closing day.Closing is the final step for you to become the legal owner of your home. You will take a final walk-through just before closing to assure that negotiated work has been completed and everything is in working order.The closing process itself requires a lot of paperwork and patience. Be prepared with your government issued photo ID, cashier's check and any other documents required by the title company or loan officer.Don't forget to re-key all the locks and change the garage door opener code when the property is officially yours.Congratulations on buying your new home withThe Whitcomb Group!30www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

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REAL ESTATE TERMSPRE-APPROVALA pre-approval is a preliminary evaluation conducted by the lender to show that the buyer has the funds to purchase up to a certain amount. This is extremely helpful when you find a home on which you want to make an offer.OFFERAn agreement between a buyer and a seller to purchase a piece of real estate. This is also referred to as a sales contract.CONTINGENCYWhen an offer is accepted by the seller, but there are certain conditions that must be met before the sale is final.CLOSING COSTThe fees that are paid at the end of the purchase by the buyer, the seller, or both. These include taxes, insurance and lender expenses.EARNEST MONEYAlso known as "good faith" money, this is money put up by the buyer into a trust or escrow account. This action shows the buyer is serious about purchasing the home.TITLE SEARCHA title search proves that the property is, in fact, owned by the seller. You can also purchase title insurance to make sure that no issues that arise later.APPRAISALThe appraisal is the value given to a property based on comparable properties that have recently sold. This is typically required by the lender in order to decide if the requested loan amount is in alignment with the value of the property.HOME INSPECTIONAn inspection is a professional examination of the property's condition. See Trusted Vendor for a list of qualified home inspectors you can use. DISCLOSURESAll sellers are required to fill out a property disclosure stating what they know about the property - good or bad.CLOSINGThis is the final step of your real estate transaction. At closing, the funds from the buyer are provided to the seller and the buyer receives the keys. This process typically takes about an hour.32www.THEWHITCOMBGROUP.comwww.THEWHITCOMBGROUP.com

TRUSTED VENDORSBeach Parking StickersBoat RegistrationCar Reg./Motor VehiclesDrivers LicenseEnvironmental ProtectionFishing/Hunting LicenseHealth DepartmentHurricane Prep/Emerg. OpsMarine PatrolMarriage LicenseMosquito ControlOccupational License CtyParks & RecreationPubic SafetyPassportsRecording & DeedsSocial SecurityVoter RegistrationZoning - City239-353-0404239-774-8176239-774-8177239-434-4600239-403-2400239-774-8176239-252-8200239-252-8200239-793-9126239-732-2645239-436-1000239-403-2477239-252-4000239-252-9300239-732-2645239-732-2645888-294-8172239-252-8683239-213-5030NAPLES CITY & COLLIER COUNTYHOME INSPECTORSCollier Cty Property AppraiserCollier Cty Tax CollectorLee Cty Property AppraiserLee Cty Tax Collector239-252-8141239-252-8172239-533-6100239-533-6000TAXESCentury LinkComcast CableDirect TVFlorida Power & LightLee County Electric CompanyGarbage/Recycling -NaplesGarbage - Collier CountyGarbage - Lee CountyGas (TECO)Gas (Naples Gas Solutions)Water/Sewer - Naples CityWater/Sewer - Collier CountyWater - Bonita SpringsWater - Ft. MyersWater - Lee County239-596-6220239-793-3577855-493-3473800-468-8243800-599-2356239-434-4747239-649-2212239-337-0800877-832-6747239-331-0527239-213-1800239-252-2380239-992-0711239-321-7000239-533-8845UTILITIESIMPORTANT NUMBERSSAR INSPECTION SERVICESPhone: 239-825-4165www.SARinspections.comSLAB-2 SHINGLESPhone: 239-262-0058www.Slab2Shingles.comHOUSEMASTERSPhone: 239-430-8220www.HouseMaster.com33www.THEWHITCOMBGROUP.com

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W HY THE WHITCOMB GROUP3rd generation in real estate sales, building, and development.For over 40 years, the Whitcomb name has been associated with the fluorishing Southwest Florida real estate market.The Whitcomb Group has relationships with the most influential marketing outlets in print, digital, and social media.We were raised in Naples so you get a true insider’s perspective.The Whitcomb Group consists of a high quality group of professional real estate agents who know how to save you time and effort before, during, and after the transaction. We know the people, we know the history of the developments, and the city beyond.The Whitcomb Group ensures your property gets maximum exposure through professional photos, brochures, emails, social media, SWFL Out and About TV show, our website, mailed postcards, etc.We are experts at negotiating top dollar for your home.With our strong insight into the trends and history of the market, The Whitcomb Group will provide you with all the information required to make informed decisions about your home.The Whitcomb Group often has access to prior information about homes going on the market before the general public.Our connections alone are often enough to sell your home.DISCOVER THE DIFFERENCE AN EXPERT MAKES!35www.THEWHITCOMBGROUP.com

THE WHITECOMB GROUP | LUXURY REAL ESTATE | SOUTHWEST FLORIDA239-564-5252 WWW.THEWHITCOMBGROUP.COMSCAN TO GET THEVALUE OF YOURHOMESCAN TO SEEWHAT YOUR HOMEIS WORTH