Make Your Housing dreams real
If you could live anywhere, where would it be and what would it be like? I can help make your housing dreams real.
SUPPORT
As a Coldwell Banker® affiliated buyer’s agent, I offer five essentials throughout the home- buying transaction: EXPERIENCED, PROFESSIONAL GUIDANCE: Navigating the complex terrain of real estate transactions requires guidance from an experienced real estate professional like myself. I will meet with you to discuss your needs, goals, and to plan your property search, and I can help you get pre-approved for a loan and establish your budget. Throughout your home-buying journey, I can offer insights on local market trends to help you make informed decisions with confidence. You can also benefit from my extensive sphere to connect with additional service professionals for property inspections, financing, title, home warranty and more. LOCAL MARKET KNOWLEDGE: I am here to serve as your local market guide. I have a deep understanding of local market trends, pricing dynamics and neighborhood nuances, which enable me to provide valuable insights into property values and investment potential. Throughout your home search process, I will show you properties that meet your criteria and keep you informed as new properties hit the market.
INVALUABLE
TIME-SAVING CONVENIENCE: The home-buying process can be time-consuming and at times overwhelming, especially for busy individuals. I am here to streamline the process, saving you valuable time and effort. I can handle the research and coordinate offers, inspections, property viewings and more, allowing you to focus on other priorities. I also have access to unique technology and resources to expedite the search process, ensuring you find your dream home in a timely manner. Additionally, I have established relationships with other professionals involved in the transaction, such as inspectors and lenders, to keep the process moving smoothly. NEGOTIATION SKILLS: Negotiating the terms of a real estate transaction requires a delicate balance of skill and strategy, and I’m here to be your advocate during these final stages of the home-buying journey. I bring shrewd negotiation experience to the table, working tirelessly to secure the best possible deal for you. I will advocate on your behalf, using my knowledge of the market and current trends to negotiate price, contingencies and other terms of the contract. My goal is to ensure you get the most value for your investment while maintaining a positive and professional relationship with the seller. PEACE OF MIND: Buying a home is a significant investment, both financially and emotionally. Perhaps the most valuable service I can provide, I’ll help alleviate the stress and uncertainty of the home-buying process by offering support and guidance every step of the way. I’ll address your concerns, answer your questions and help you navigate any unexpected challenges calmly and professionally. Knowing that you have a knowledgeable and experienced professional like me by your side can make all the difference in your home-buying journey.
When you choose me to represent you, you’ll have someone by your side every step of the way, giving you the insights and information you need to have confidence in your decision. After our initial consultation I will: • Help you establish your budget and connect you with a reputable lender to get pre-approved for a mortgage • Discuss your needs and goals, and plan your property search criteria • Provide coaching on the best time to buy • Agree upon the parameters of our working relationship Once the criteria and budget are established, I will: • Coordinate showings for properties that meet your needs and explain/negotiate features • Keep you informed of new properties that come on the market that would interest you • Help you understand the market data for any properties of interest • Work with you until you find the right home When we’ve found your dream home, I will: • Assist in determining your offer, including developing a multiple-offer strategy • Review and discuss details of the seller’s disclosure • Apply my expertise in negotiating the offer and contract terms in your best interests • Facilitate the home inspection and resolution process • Offer information on reliable contractors and service providers • Address issues regarding appraisal, survey, title, contingencies, etc. • Prepare you for closing and the associated costs • Provide clear and constant communication to keep you updated on the progress of your transaction
Your TRUSTED ADVISOR in the process
Assets • Bank statements • Investments/brokerage firm statements • Net worth of businesses owned (if applicable)
The first step in any home search is finding out exactly how much home you can afford and securing the financing to make the purchase. While you can get a rough estimate through pre-qualification, taking the extra step to obtain pre-approval will give you some added advantages. Pre-approval helps you: • Understand your financial condition • Know exactly how much home you can afford • Strengthen your purchasing power when making an offer When you find a home you love and are ready to make an offer, your mortgage pre-approval lets the seller know that you’re serious and fully prepared to buy their home, putting you in a stronger position than other potential buyers.
Income • Current pay stubs, usually for last two months • W-2s or 1099s, usually for last two years • Tax returns, usually for last two years
Some of the documents your lender will request to get the pre-approval process started:
Debts • Credit card statements • Loan statements • Alimony/child support payments (if applicable)
The POWER OF PRE-APPROVAL
There are many factors that influence the market value of a home. I will give you the insight and information you need to make an offer you’re comfortable with. Some of the factors to consider include: • How long the home has been on the market • If the price has been reduced • How much the home is worth – I will provide a comparable market analysis (CMA) showing the list and sale prices for similar homes in your area • If there are multiple offers • Other items that might be included in the sale (furniture, hot tub, etc.) • The “list to sale price ratio,” an indication of how competitive the market is for homes in this area • Why the seller is selling • Whether the seller is offering an assumable loan or financing Once the offer is written, I will present it to the seller’s agent. At that point the seller can accept your offer, reject it or counter it to start the negotiation process. I will work with you to plan a strategy to ensure the most advantageous terms and acceptable pricing for you and your budget.
an offer
making
Your Home
Once your offer has been accepted, the closing process begins. Here are some of the typical steps involved. Home inspection – Most property sales are contingent on the results of a home inspection, which is paid for by the buyer. The inspection typically occurs within 10 days of offer acceptance, and includes a review of the home’s exterior elements like the roof, siding, trim and windows, as well as kitchen and bathroom fixtures and appliances, and major systems like heating and cooling, plumbing and electrical. If defects are discovered during the inspection, you may exercise the remedy described in your offer or negotiate with the seller to determine what repairs will be made. Title search – This is a historical review of all legal documents relating to ownership of the property to ensure that there are no claims against the title of the property. It is also recommended that you purchase title insurance in case the records contain errors or there are mistakes in the review process.
Closing on
Appraisal – As a standard part of the mortgage process, your lender will order an appraisal report to ensure that the loan will be guaranteed by the home’s value. Final walk-through – If it’s requested in the contract, you’ll be given the chance to look at the home to make sure it’s in the same condition as when you signed the sales agreement. Closing costs – In addition to your deposit and down payment, there are a variety of other costs involved in closing, including: • Loan origination fees, appraisals and reports • Surveys and inspections • Mortgage insurance • Hazard insurance • Taxes • Assessments • Title insurance, notary and escrow fees • Recording fees and stamps • Legal fees, if applicable
to finish
The Coldwell Banker® brand is your partner in all aspects of the home-buying process. Our affiliations with primary service providers ensure that you receive complete assistance from beginning to end, giving you one-stop-shop convenience. Mortgage Services – Our preferred lender provides mortgages and features incredibly low rates, fantastic customer service and a fast, simple process. Warranty Services – American Home Shield® provides an extra measure of security that makes you feel more comfortable and confident in the purchase of your home. insurance Services – We can connect you with agencies that offer competitive rates on homeowners, condominium, renters, automobile, second home, vacant home and umbrella coverage. title Services – Title issues will be researched and resolved before the closing to help ensure your transaction closes smoothly and on time.
from start
Affiliated real estate agents are independent contractor sales associates, not employees. ©2025 Coldwell Banker. All Rights Reserved. Coldwell Banker and the Coldwell Banker logo are trademarks of Coldwell Banker Real Estate LLC. The Coldwell Banker® System is comprised of company owned offices which are owned by a subsidiary of Anywhere Advisors LLC and franchised offices which are independently owned and operated. The Coldwell Banker System fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. 2551P8_CB_4/25
GETTING STARTED Your home-buying needs are one of a kind. Using the unmatched resources of the Coldwell Banker® brand, I will develop a custom plan to: • Provide you with proven, powerful and personal service • Help you find the right home and negotiate the best possible price and terms for it • Close the sale in a smooth, timely manner We are committed to your complete satisfaction, and will represent your interests with the utmost care, honesty, integrity and discretion. Let’s get started!