2. Eastern Mortgage Services, Inc. HELPING YOU TURN “FOR SALE BY OWNER” INTO SOLD! Presented By: Donald Chase, Loan Officer Eastern Mortgage Services, Inc. 871-8783 Office / 888-896-5772 Pager

3. About Eastern Mortgage Services n Eastern Mortgage Services is a wholly-owned subsidiary of Dauphin Deposit Bank and Trust Company n Locally, EMS services Dauphin Deposit and its three divisions of over 105 branches and 250,000 depositors in 12 PA counties n EMS has an extensive network of local offices and correspondents nationwide n EMS is a fully approved Conventional, VA, FmHA, FHA, & PHFA Lender

4. Why Sell Your Home Yourself? You’ll need help counting all the money you can save by selling your home yourself n Save thousands in commission n You know your home better than any Realtor n You’re confident you can sell your home quickly n You may not know a good real estate agent

5. What Are Our Goals? n We hope to obtain the mortgage loan from the buyer of your home n We hope to offer our mortgage financing services to you n We also hope to secure other referrals

6. Our Main Goal Is To Help You Get Your Home Sold!

7. What Services Do We Provide? n Professional “For Sale By Owner” sign n Detailed property information flyers n Our referral marketing plan n Pre-qualification of all potential buyers n Open house support n Pre-approved mortgage for you n Real estate help, if needed n “We’re Moving” Postcards

8. Professional Sign Provided n Sign has toll-free number for easy access n Your sign has a special code that enables a prospective buyer to call in and hear a detailed description of your home n Buyers will be more inclined to call a number that will not result in a high- pressure Sales Pitch! n Buyers can reach you or the lender directly by pressing keys on the phone

9. FOR SALE BY OWNER For An Audio Tour Of This Home Call: 1-888-467-4335 Enter Code # 10001

10. We Provide Detailed Property Information Flyers n We will provide you with marketing flyers for your home n These give buyers important information on your home’s features and amenities n They also act as a “silent” sales person, since they are available when you’re not at home

11. Our Referral Marketing Plan n We’ll send copies of your property description sheet to: –Your family & friends – Co-workers & local businesses – Former customers and other people on our database n This will give your home maximum exposure and a greater chance to sell

12. Open House Support n If you are planning an open house, we can provide marketing materials for the open house FREE! – Property information flyers – Open house financing sheets – Open house guest lists – Thank you letters and follow-up n We can also help design advertising

13. Free Pre-Qualifications n You don’t want people going through your house who can’t afford to purchase it n We will pre-qualify any buyers before a contract is written, including credit n This will save you time and headache

14. A Pre-Approval For You! n If you are going to be buying a new home after your home sells, we can pre- approve you in advance n You will have a quicker settlement on your new home n We have loan officers throughout central PA and affiliates across the nation

15. Finding The Right Price n We strongly suggest you perform a full appraisal – EMS will assist in ordering the appraisal – You can make sure you are not under-pricing your home – The appraisal may be used by the buyer in certain situations n If you do not wish to pay for an appraisal, we can have a Realtor do a free market analysis to determine approximate value n This will give you more negotiating strength and will help you hold your home’s asking price

16. The Pitfalls of Pricing Your Home Wrong Saving you dollars does make a ton of cents Don’t Price Too Low! n You could lose thousands of $$$ n You will have less room to negotiate Don’t Price Too High! n Your home will take longer to sell n You will have fewer showings n You will receive lower offers n Your property will help sell other homes

17. Professional Real Estate Help n We will recommend a Realtor to you who can answer most your questions for free – They will not pressure you for a listing – They can help you if you decide to list later n We also work with local title companies and attorneys who can help with title work and loan payoffs--including Guardian Transfer Corp.

18. FREE “We’re Moving” Postcards n When your home sells, it will be time to help find a new home of your own n We will send change of address cards to all your friends and relatives n It also serves to help advertise EMS

19. What Does This Mean For You? n Our professional “For Sale By Owner Sign” will attract more potential buyers n By providing detailed information for open houses, you home will stand out n By pre-qualifying all prospects, you will get a serious buyer n Your home will sell quicker n You will save thousands of dollars

20. We Will Help Turn “For Sale By Owner” Into SOLD! FOR SALE BY OWNER For An Audio Tour Of This Home Call: 1-888-467-4335 Enter Code # 10001