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HOME BUYER GUIDE Fall Issue2 Offices to serve you better814-375-1167 or 814-375-4400998 Beaver Drive ~ DuBois, PA 15801 1102 Coral Reef Road ~ DuBois, PA 15801 Message

MEET OUR TEAMJoe VaracalloJeff WrayBrad PenoyerTHE #1CHOICEFOR ALL YOURREAL ESTATE NEEDSMelanie Bennett Michele WrayJason SeniorCarol FoltzHarlan BeagleyJoanne QuashnockKristine FoltzDana CrispKim SleighHeather BeattyTre HainesGregg Bennett

Benefits of Working With a Act as an expert guide. Buying a home typically requires a variety of forms, reports, disclosures,and other legal and financial documents. I know what's required in yourmarket, helping you avoid delays and costly mistakes. Also, there’s a lotof jargon involved in a real estate transaction; you want to work with aprofessional who can speak the language.As a REALTOR®, I am a member of the NationalAssociation of REALTORS® and subscribe to its strictCode of Ethics. When you're buying a home, here'swhat an agent who's a REALTOR® can do for you.REALTOR®Offer objective information and opinions. I will guide you through the home search with an unbiased eye, helpingyou meet your buying objectives while staying within your budget. I amalso a great source when you have questions about local amenities,utilities, zoning rules, contractors, and more.Give you expanded search power. You want access to the full range of opportunities. Using a cooperativesystem called the multiple listing service, I can help you evaluate allactive listings that meet your criteria, alert you to listings soon to comeon the market, and provide data on recent sales. I can also save youtime by helping you winnow away properties that are still appearing onpublic sites but are no longer on the market.H O M E B U Y E R S T R A T E G Y G U I D E

Ensure an up-to-date experience. Most people buy only a few homes in a lifetime, usually with quite a fewyears between purchases. Even if you’ve bought a home before, lawsand regulations change. Real estate practitioners may handlehundreds or thousands of transactions over the course of their career.Be your rock during emotional moments. A home is so much more than four walls and a roof. And for mostbuyers, a home is the biggest purchase they’ll ever make. Having aconcerned, but objective, third party helps you stay focused on theissues most important to you when emotions threaten to sink anotherwise sound transaction.Provide fair and ethical treatment. When you're interviewing agents, ask if they're a REALTOR®, a memberof the National Association of REALTORS®. Every member must adhereto the REALTOR® Code of Ethics, which is based on professionalism,serving the interests of clients, and protecting the public.Stand in your corner during negotiations. There are many factors up for discussion in any real estate transaction—from price to repairs to possession date. Your agent will look at thetransaction from your perspective, helping you negotiate a purchaseagreement that meets your needs and allows you to do due diligencebefore you’re bound to the purchase.Benefits of Working With a REALTOR®H O M E B U Y E R S T R A T E G Y G U I D E

Treasure Lake Homes13399 Treasure Lake Rd $2,495,0005 BR/ 3 BA waterfront w/inground pool.MLS# 12-135421807 Carribean RdH O M E B U Y E R S T R A T E G Y G U I D E $545,0004 BR/ 4 BA Bimini Waterfront.MLS# 12-1355313224 Treasure Lake Road 522 Bucco Reef Rd $499,0004 BR/ 3 BA LakeviewMLS# 12-13587 $269,9003 BR/ 3 BA w/ 2 car garage.MLS# 12-13593Call 814.375.1167

Treasure Lake Homes152 Settlement Point Rd $337,0002 BR/ 2 BA New ConstructionMLS# 12-136003284 Bay RdH O M E B U Y E R S T R A T E G Y G U I D E $378,000 3 BR/ 3 BA ~ New ContructionMLS# 12-13574222 Jolly Roger 1865 Basse Terre $309,9003 BR/ 3 BA RanchMLS# 12-13570 $198,500 3 BR/ 3 BA LakeviewMLS# 12-13526Call 814.375.1167

Treasure Lake Homes537 Bonefish ~ CAYMAN $28,0002 BR/ 1 BA MLS# 12-13554129 Dolphin Head ~ CAYMANH O M E B U Y E R S T R A T E G Y G U I D E $15,000 1 BR/ 1 BA with enclosed deckMLS# 12-135192727 Carribean Rd 386 Woolendean Rd $449,900 6BR/ 4 BA WaterfrontMLS# 12-13416 $389,000 4 BR/ 4 BA with a 4 car garage.MLS# 12-13530Call 814.375.1167

Coldwell Banker Developac Realty LIVE WELL WITH COLDWELL * Agency A Agency B Agency C Agency D Agency E Agency F53%1%2%6%15%14%9%OCT REPORT 2025ENTER YOUR COMPANY DBA HERETreasure Lake OnlyMarket Share Obtained from CJAR MLS. Effective 11/10/2025 ~ Treasure Lake market only CALL 375-1167 www.developac.comThe above representation was obtained and computed from data from the Clearfield Jefferson Association of Realtors MLS as of 11/10//2025. It does include commercial, camps, land or lot properties. Sold listings volume reflect which office actually sold the property whether or not it was their listing. Using the single count method. Market area consists of Treasure Lake Area only. *Agency’s A, B, C, D , E and F are from the local MLS. 998 Beaver Drive * 1102 Coral Reef Rd * DuBois, PA 15801 COLDWELL BANKERDEVELOPAC REALTY3982 UNITS13 and under not shownAVG SALE PRICE$258,229

St Marys Area301 N Michael St $147,4003 BR/ 2 BA with a 1 car garage.MLS# 15-927476 S Michael StH O M E B U Y E R S T R A T E G Y G U I D E $125,000 3 BR/ 1 BA with a 1 car garage.MLS# 15-9341452 Bucktail Rd 790 Washington St $399,900 4 BR/ 2 BA with a 4 car garageMLS# 15-935 $150,000 3 BR/ 2 BA with a 1 car garage.MLS# 15-941Call 814.375.1167

WilcoxH O M E B U Y E R S T R A T E G Y G U I D EBrookville ~ Rossiter3620 Fuller Rd ~Brookville $695,0004 BR/ 3 BA with 9+ AcresMLS# 01-1112924 Upper Clinton - Rossiter $144,900 2 BR / 2 BA / RemodeledMLS# 02-12367

Brockway Area970 Baghdad Rd $149,9003 BR/ 2 BA MLS# 03-86327956 Rt 219H O M E B U Y E R S T R A T E G Y G U I D E $225,000 5 BR/ 2 BA MLS# 03-86351521 Prentisvale Rd - Eldred $39,900.74 acre lot with structureMLS# 08-8818151 Meme Lane - North Bend $110,000 3 BR/ 2 BA with 1 carMLS# 08-8850Out of Area

DuBois Area1388 Sykes St Ext $325,0004 BR/ 3 BA w 2 car garageMLS# 04-14306523 Walnut StH O M E B U Y E R S T R A T E G Y G U I D E $285,000 4 BR/ 3 BA / 2 car garageMLS# 04-14347482 Thunderbird Rd $124,9003 BR/ 2 BAMLS# 04-14348 $224,900 3 BR/ 3 BAMLS# 04-14343DuBois ~ Reynoldsville 48 Dutchtown Rd

Coldwell Banker Developac RealtyLIVE WELL WITH COLDWELLAgency A Agency B Agency C Agency D Agency E Agency F35%2%18%13%9%9%OCT REPORT 2025COLDWELL BANKERDEVELOPAC REALTY13%ENTER YOUR COMPANY DBA HEREArea Market ReportIncludes Treasure Lake Obtained from CJAR MLS. 11/10/2025 ~ Includes Treasure LakeCALL 375-1167 www.developac.com The above representation was obtained with data from the Clearfield Jefferson Association of Realtors MLS as of 11/10//2025. It does include commercial, camps, land /lot or multi family properties. Sold listings volume reflect which office actually sold the property whether or not it was their listing. Using the single count method. Market area consists of DuBois Area including Treasure Lake, *Agency’s A, B, C, D, E are from the Local MLS.998 Beaver Drive * 1102 Coral Reef Rd * DuBois, PA 15801 9657488271 UNITS35 & under not shownAVG SALE PRICE$166,988

Commercial Property319 Main St- BROOKVILLE $249,9002300 SF of office/retail spaceMLS# 01-11018377 Aviation Way- ReynoldsvilleH O M E B U Y E R S T R A T E G Y G U I D E $235,675 8.57 Acre LotMLS# 04-13696Shaffer Rd/ Midway ~ DuBois .832 Acre GROUND LEASEPlatt Rd ~ DuBois $149,900 45+ AcresMLS# 04-13789DuBois Area~ Commercial

Commercial Property6 S Pickering St ~ Brookville $250,000Thriving Tavern in BrookvilleMLS# 01-11128201 Hoovertown Rd~ PenfieldH O M E B U Y E R S T R A T E G Y G U I D E $449,000Commerical bldg on 7.81 acresMLS# 04-14151310 State St$1,279,32947,665 SFWhse and office spaceSt Marys

Commercial For Lease51 Developac Rd~ DuBois4069 SF AVAILABLELease Terms NegotiableMidway Dr ~ DuBoisH O M E B U Y E R S T R A T E G Y G U I D EDESIGN BUILD1.2 ACRE LOTPRIME LOCATIONShiloh Rd - St College 1977 Rich Hwy ~ Falls Creek Commercial For Lease

FinancingRoadmapfor Buying Your HomeInterviewWe can help connect you with alender to get pre-approved for amortgage.Find the right REALTOR® for you.Home SearchWe will discuss your ideal pricerange, criteria, and begin thesearch process.ShowingsWe will set up appointments so youcan view the properties of interest toyou.Making an OfferNegotiation and ContractIf the seller counter-offers, we willdiscuss those terms and negotiateaccording to your instructions. Onceall parties have accepted the terms,you are under contract!We will start a market analysis ofcomparable homes in the area.Based on this analysis, we will worktogether to prepare an offer basedon the price and terms you choose.EscrowYou will need to pay earnest moneywithin a few days of signing thecontract. The amount of earnestmoney is typically 1% - 3% of yourpurchase price.Final StepsA home inspection will be scheduledand we will have an opportunity tonegotiate any repair requests. Thelender will order an appraisal, andonce approved, they will move forwardwith funding your loan.Final WalkthroughYou have have an opportunity todo a final walkthrough of theproperty prior to closing.ClosingReview and sign closing documentsand celebrate your new home!H O M E B U Y E R S T R A T E G Y G U I D E

RepresentationWe will always represent your interests when the selleris a For-Sale-By-Owner (FSBO) or represented by anagent from another real estate brokerage.We will review with you how our duties maymodify if the seller is a client or a customer ofan agent from our brokerage.If the seller is a client of Coldwell BankerDevelopac Realty, state law and our brokeragepolicy provides clear direction, and we have ahigher level of responsibility.If this occurs, you will know in advance andyour informed consent will be required so youcan be assured that all client information forboth parties remains confidential and each willreceive equal information and fair treatment.What We Can't DoMake any decisions for you.Guarantee that you will purchase a propertyfor less than market value.Hide or misrepresent any material facts ordefects about the property, even if I am alsothe listing agent.Discriminate in any way or violate Federal FairHousing Laws.Collect a rebate from a service provider in yourtransaction without your agreement.Choose the neighborhood or communitywhere you should live.Tell you if the area is ‘safe’ or what schools are‘better’ than others.H O M E B U Y E R G U I D E

Talk to a mortgage broker or lender. Shoparound for the best mortgage for yourparticular situation, and make sure youunderstand the home loan process.Preparation is KeyBe ready to move. This is especially true inmarkets with a low inventory of homes for sale. You don’t want to miss out on the home youwant because you didn’t act quickly enough.Make a good offer. Especially in a low-inventory market, your offer is unlikely to bethe only one on the table. Do what you canto ensure your offer is appealing to a seller.Maintenance and repair costs. Make sure tofactor these into your buying budget so youdon’t leave yourself short.Narrow down your search area. Compile alist of three or four neighborhoods whereyou’d like to live, taking into account factorsthat matter to you.H O M E B U Y E R G U I D E

When you are ready, your agent will write an offer including terms andconditions that protect your interests. They will explain all components andcontingencies of the offer.Remember, all decisions are yours to make. they will explain the process andprovide you with options, alternatives and ramifications.Offer Process & NegotiationsOnce your offer is submitted, there is no guarantee thatthe terms or conditions will be accepted. The sellermay counter-offer and you can:Accept the offer.Reject the offer.Counter-offer with any terms or conditions.You may negotiate as many times as needed until theprice and terms are acceptable to you.If multiple offers exist, your agent will discuss theprocess and your many options under that scenario.You are entitled to consult with a legal representative at any time during theprocess. Please remember that a timely response is critical. We cannotaccept responsibility if the buyer rescinds their offer before your attorneyresponds.It is important to select an attorney who specializes in real estate to minimizethe occurrence of potential problems within the transaction and negotiatingprocess.H O M E B U Y E R G U I D E

Inspection PhaseThe inspection phase is a mutually agreed timeframethat allows the buyer an independent third-partyassessment of the structure and mechanicalcomponents of the property, even if it is being sold "AsIs".The home inspection is paid for by the buyer.We will accompany you and inspector(s) the entiretime.If the listing agent or seller are present, they maynot interfere in the inspection process.This can result is several possible outcomes:Buyer can accept as is.Buyer can renegotiate the offer.Buyer can cancel the contract.The inspector will submit a written report to thebuyer and buyer's agent.If you desire to make repair requests to the seller,we will submit a written request, a copy of thatpage of the inspector's report, and maybe anestimated repair quote.We will review the repair requests with you andhelp you assess your options.A written request will be prepared based on yourinstructions and an attempt to arrive at amutually agreeable solution.Repair RequestsH O M E B U Y E R G U I D E

Home AppraisalIf you are seeking a loan to purchase your property, thelending institution will require an appraisal to verify thehome is worth the loan amount. The property mustappraise for at least the amount of the contractedsales price or more to ensure there are no financingissues.We are clear to proceed and closing can be begin.Appraisal is At or Above Contracted Sales PriceThe buyer may opt to cover the difference withcash funds.Renegotiate with the seller.Cancel the contract.Appraisal is Below Contracted Sales PriceMortgage ContingencyA written commitment can be expected from thebuyer's lender within a predetermined timeframe.If extra time is required, a written extension may berequested.The seller can decide whether or not to grant theadditional time depending on their currentcircumstances.Your agent will advise you of your options,alternatives, and ramifications along with yourattorney.H O M E B U Y E R G U I D E

Verify all required repairs agreed to in the contract.Organize packing and movers.Contact utility companies to transfer services to yournew address.Submit a change-of-address form with the Post Office.Countdown to ClosingOdds and EndsYour agent will schedule this with the listing agent andwill ensure that contractually requested items remainwith the property.Pre-Closing InspectionYou will be able to occupy the property after closingunless advance contractual arrangements have beenagreed upon by all parties.Occupy on the Day of ClosingYour agent will be present at the closing to ensure thateverything that was agreed upon stays that way. Most closings proceed without incident since all detailshave been handled and agreed upon prior to this event.ClosingH O M E B U Y E R G U I D E