Now Lets Find Your Home! Thank you for considering Chantel Ray Real Estate for helping you in your home purchase! Now Lets Find Your Home!

First Look At New Properties A huge mistake is to search exclusively through Zillow and Trulia – it takes up to 48 HOURS before new homes feed to their websites. By then your dream home could be under contract! We can give you REAL TIME INSTANT access to properties!

We Can Show ANY House With just one call…we can show them all! We can pull properties from ANY FIRM… ANY TIME…NOT JUST OURS! If you see a sign from ANY REAL ESTATE COMPANY, we can represent you on any home for FREE! Remember, when you see a sign in front of a house, they represent the seller, not you. Don’t you want someone representing you with your best interest in mind? With just one call…we can show them all! You are never bothering us!

Typical upfront expenses: Purchasing Costs Be prepared for some up front spending costs when purchasing a home. Make sure you have budgeted for the following amounts: EMD: $500 - $2000 Home Inspection: $300 - $400 Appraisal: $400 AND UP Typical upfront expenses: Earnest Money Deposit $1,000 - $4,000 Due Diligence Fee $500 - $1,500 Home Inspections $400 - $500 Appraisal $500 - $600 Survey $400 - $500

What kind of house? WHAT TYPE OF HOME Single Family Home? Condo? Townhouse? First step in the buying process is to determine which kind of property is right for you & to weigh the pros & cons of each.

Cons of Condos Condo Considerations Parking restrictions Pet restrictions Potentially lose the ability to use a loan to purchase the condo if the tenant to owner occupancy is high. (which means you would have to purchase with cash only) Condo fees can increase at any time If the condo associations fees are mismanaged or get low, if the condos need any upgrades you could be assessed $24,000 or more that would need to be paid right away.

Target Pricing – Home Value “ “ One of our biggest jobs is to make sure you don’t overpay for the property. Chantel Ray Real Estate Mini-Market Analysis: Option 1: Your Real Estate Agent I can provide you with an estimated appraisal of the home price. Option 2: CRRE Licensed Appraisers For a small fee of $50 you can have one of our licensed appraisers on staff perform an accurate home appraisal before we write a contract and pay for home inspection and other fees that are non-refundable. Our comparative market analysis allows us to use recent sales and listings to be sure the home is priced correctly.

1. Pre-approval 1. Get Prequalified 2. Refine your home search 3. Make an Offer 4. Negotiate The Offer 5. Ratified Contract (both sides agree on every term.) 5. Accepted Offer

8. Purchase Home Owner’s Insurance 6. You’ll be working with your lender, turning in updated pay stubs and bank statements. 7. Schedule Inspections including: Home Inspection • Termite Inspection Pool Inspection 8. Purchase Home Owner’s Insurance 9. Transfer Utilities 10. Closing & Congratulations!!

MOVE EASY We offer you a personalized moving concierge services absolutely free of charge! It guides you through the completion of all your moving related tasks in one convenient location. From Updating your Address, Finding Movers, Installing Cable and Internet Services, to Switching your Utilities Everything you need to help you settle into your new home!

Preferred Partners Program The reason why you should use our preferred vendors is because it’s satisfaction guaranteed. If you’re not happy, we will step in and help make things right. Best of all, we have already negotiated huge discounts for you! Accountants Contractors Flooring Insurance Preferred Partners Program Home Warranty Interior Design Lenders Roofing Pest Control Lawn Service Closing Attorneys Painters Cleaning

Online Transaction Management To ensure confidentiality & security, Chantel Ray Real Estate uses online transaction management as well as E-Signatures. Online Transaction Management

Loan Program Options FHA: VA: Conventional: 3.5% Down Payment 6% Seller Concessions Ex. For a $100,000 home, you would have to put down $3,500 and you could get up to $6,000 back from the seller for closing costs etc. VA: 0% Down Payment 4% - 10% Seller Concessions Ex. On $100,000 home you would put $0 down and you could get $10,000 back to pay off debt or a car loan. Conventional: Down Payment Options: For as little as 5% down

Working with Real Estate Agents The North Carolina Real Estate Commission requires disclosure of the Working with Real Estate Agents brochure. This will provide you with the necessary information you need to know about what you can expect out of me as a real estate agent as well as different types of agency.

Buyer Agency Agreement Buyer Broker Agreement Buyer Agency Agreement Beginning July 1, 2012 buyers in Virginia need to sign buyer agreements if they choose to work with real estate agents. Buyers are not obligated to work with real estate agents and can negotiate the terms of agreements with their agents. The law will protect buyers from mistakenly believing they are being represented by a Realtor they have met in an open house or who they have called to ask about seeing a home. Under Virginia law prior to this, Realtors without a signed buyer agreement were by default representing the seller Our buyer agency agreement allows us to represent you throughout the buying process.

Questions or concerns?