Your Key to New Homeownership

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1 Weichert, Realtors Your Key to New Homeownership Offices Across America

2 Weichert, Realtors Preparation leads to success. What we will discuss today: Your wants and needs What s happening in the market The home buying process What to expect How I will work with you Additional helpful Weichert services Select homes to buy and start looking Each WEICHERT franchised office is independently owned and operated. Weichert is a federally registered trademark owned by Weichert Co. All other trademarks are the property of their respective owners. REALTOR is a federally registered collective membership mark which identifies a real estate professional who is a Member of the NATIONAL ASSOCIATION OF REALTORS and subscribes to its strict Code of Ethics. I will work to get you into your next home at the best price and terms as smoothly as possible.

3 Your Wants and Needs Getting to know you and your wants and needs. Your most important needs Your requirements Location House style As a Weichert agent, I am committed to getting to know you personally so that I may be of greatest value to you. At this meeting, I d like to take the time to find out more about you, and what you need and desire in your new home. Amenities Price range Others The better I understand your criteria, the more accurately I can select the right homes for you to preview.

4 What s Happening in the Market What have you heard about the real estate market? Because I monitor local market conditions, you can rely on me to interpret and elaborate on news reports.

5 What s Happening in the Market Let s review the market. Inventory levels Home prices Historically low interest rates There has never been a better opportunity to get your dream home at a price you can afford.

6 What s Happening in the Market Interest rates are at or near all-time lows. Average Annual Rate (30-year fixed-rate mortgage) * *Interest rates quoted are as of November, 2012 With interest rates near all-time lows, you can buy more house with the same monthly payment.

7 What s Happening in the Market Real Estate continues to be a smart investment. *NATIONAL ASSOCIATION OF REALTORS existing home sales historic series Nationally, over the last 35 years, home values have increased by an average of more than 6% per year*.

8 What s Happening in the Market Houses priced right are still selling fast. Recent sales in the area indicate that buying your dream home may still require you to act promptly.

9 What s Happening in the Market We know the best way to evaluate pricing. *The Price Trend Analysis is not an appraisal and should not be considered the equivalent to an appraisal. Our exclusive Price Trend Analysis* is a unique method for helping you determine how much to offer. It will also help you set a price if you re selling.

10 The Home Buying Process Your guide for the home buying process. Our brochure is filled with helpful information and suggestions for home buyers.

11 The Home Buying Process An overview of the home buying process. I ll do everything I can to help you every step of the way throughout the home buying process.

12 The Home Buying Process I ll negotiate on your behalf. Knowledgeable about neighborhood sales and market conditions Expert in presenting your case to the seller Negotiating in person to strengthen your offer When I present your offer, I will make your case in person to increase the likelihood it will be accepted.

13 The Home Buying Process I am your one-stop source. Draw on my knowledge of the local market for information on any property that is for sale no matter which company is selling it. Calling me will save you time and effort, because I have access to all available properties on the market.

14 The Home Buying Process My Pledge of Service to you. You have my personal commitment to do everything I can to facilitate the process of finding your dream home.

15 The Home Buying Process As your agent, I can represent you in more than one way. This agency disclosure document is created to inform and protect you as the customer.

16 A Seamless, One-Stop Solution An independent survey commissioned by the National Association of Realtors proves: One-stop shopping is the best way to buy a home. Approximately three-quarters of all buyers appreciate the advantages of one-stop shopping: convenience, savings, manageability and increased efficiency*. The number of buyers choosing one-stop shopping real estate service has increased steadily since 2002 *. *2010 NATIONAL ASSOCIATION OF REALTORS /Harris Interactive Survey on One-Stop Shopping. Compared to those who use multiple sources, one-stop shoppers are more likely to be completely satisfied with their experience*. Unlike many of our competitors, Weichert provides the entire suite of real estate services.

17 A Seamless, One-Stop Solution I work with a team of professionals to handle all aspects of your home purchase. At Weichert, our teamwork can make the entire buying experience seamless for you.

18 A Seamless, One-Stop Solution Weichert Gold Services Financing options Quick pre-approval for a mortgage Insurance Title *Not available in all areas. The Gold Services* Manager on my team offers expert help with mortgage, insurance, title and moving-related services.

19 Select Homes to Buy Let s review properties and go find your home! From all the available listings in your price range and area, it s time to decide which ones to see.

20 Company NMLS # Mortgage Access Corp. d/b/a Weichert Financial Services, Executive Offices, 225 Littleton Road, Morris Plains, NJ CASH. Licensed by the NJ Dept of Banking and Insurance. Licensed Mortgage Banker with the State Dept of Banking in NY and CT. Licensed by the Pennsylvania Department of Banking, Mortgage Lender Licensed Lender in AK, AR, DE, MD, D.C., GA, ME, MN, WI, IA, IN, LA, VT, FL, WV, KY, NC, ID, NE, WY, OK, TN, MI. Licensed by the Virginia State Corporation Commission, License #MC297. Licensed Mortgage Lender in the Commonwealth of Massachusetts. License #ML1713, Certificate # Certificate of Authority to transact business in CO. To check the license status of your mortgage loan originator, visit Licensed Lender in SC. Licensed Mortgage Lender in TX. Licensed with the Financial Institutions Division in New Mexico, License # Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. Licensed Mortgage Broker and Lender Ohio. Licensed Loan Broker and Lender Rhode Island. Kansas Licensed Mortgage Company, License #MC Licensed by the New Hampshire Banking Department, License # 8714-MB. Licensed Oregon Mortgage Lender License #ML2528. Illinois Residential Mortgage Licensee, License #MB Mississippi Licensed Mortgage Company, License #357/2008. Washington Consumer Loan License # CL Alabama Consumer Credit License # Weichert Financial Services arranges loans with third-party providers. Equal Housing Lender.

Each WEICHERT franchised office is independently owned and operated.

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