How Prudential Georgia RealtyWill Help You Find Your New Home

For The Best Value Possible.

Prudential Georgia RealtyIs Ranked #1 By the atlanta Business Chronicle (2010 & 2011)

^ Company submitted independent statement of verifi cation

Prudential Real Estate Is One OfThe Largest Global Real Estate

Networks In The World.

Prudential Real Estate Affiliates IsOne Of The Largest Real Estate

Brands In The World!

The “For Sale” Inventory Is Low Compared To Previous Years.

2012 SmartNumbers

Historically Low Prices AndLow Mortgage Rates make

Home Affordability Exceptional!

ObjectivesPriorities

Communications

Time Frame

DecisionProcess

NegotiatingStrategies

We Identify YourGoals & Objectives.1

2 Pre-Qualification Improves Your Negotiating Power and May Be Required By The Seller.

1. What is Your Purchasing Power

• Step 1 - Household Income

• Step 2 - Monthly Expenses

• Step 3 Amount Available for Housing Expenses

2. Understanding Your Credit Score

3. Loan Application Checklist

Identifying Your Financial Needs

Payment History

35%

AmountsOwed

30%

Length ofCredit History

15%

FICO® scores are

your credit rating.

Scores can range from

300-850, higher is better.

NewCredit

10%10%

Types ofCredit Used

We Know GreatFinancial Experts!

We Will Help You FindThe Perfect Home!3

The best decision you can make when buying a new

home is choosing buyer representation with your

Prudential Georgia Realty sales professional.

If You Are A CUSTOMER

(no fiduciary relationship), an agent will:

If You Are A CLIENT

(fiduciary relationship), your agent will:

Maintain loyalty to the seller’s needs

Tell the seller all that they know about you

Keep information about the seller confi dential

Focus on the seller-client’s property

Provide just the material facts

Only provide price information that supportsthe seller’s listing price

Protect the seller

Negotiate on behalf of the seller

Attempt to solve problems to the seller’sadvantage and satisfaction

Pay full attention to your needs

Tell you all that they know about the seller

Keep information about your confi dential

Focus on choices that satisfy your needs

Provide detailed material facts and professional advice

Provide price counseling based on comparable properties and their professional insights

Protect and guide you

Negotiate on your behalf

Attempt to solve problems to youradvantage and satisfaction

Why Choose ABuyer Representative?

Defining Your Ideal Homes

How Do You Commute To Work?

Have Special Educational Needs?

Types Of Communities?

Style/Features Of Home?

Likes And Dislikes OfPrevious Home?

What Are Your Must Have Features?

What Is Your Timeframe?

Have You Ever PurchasedA Home Before?

What Are Your ExpectationsOf Me As Your REALTOR®?

Questions to Think

about when defining

your ideal home:

The Internet HasDramatically Changed

How Buyers Find Homes.3

Our Website Allows You To Search Properties From Any Device, Anytime.

We Provide Listings From All 6 Local MLS Services With The Fastest Updates

And Detailed Information.

We Also ProvideDetailed Market

Trends & Property Information.

Better Information Leads To Better Decisions!

Together, We Visit QualifiedProperties & Narrow The

Search For Your new Home.4

Together, We Make An Offer And Help Negotiate The Best Deal.5

We Can Help Negotiate SpecialPrograms And Incentives.

SUBMITTING AN

OFFER LANGUAGE

Determine the price

you want to offer

Decide on Financing Options

Decide on other issues

that are important to you

I will present your offer to seller

Once agreement is reached

with seller, you will have a

firm contract to purchase home

• Home Warranty

• Job Loss Protection

• Mortgage Incentives

• Closing Costs

We Coordinate InspectionsAnd Help Resolve Contingencies.6

Obtain Loan Approval.7

We Help Prepare You forA Successful Closing.8

Our Partners Simplify The Closing Process And Offer Attractive Pricing.

Settlement Checklist

BeforeSettlement

Confirm date, place, time and ask for a checklist of everything you need to bring to settlement.

Are all necessary inspections complete?

Are all required repairs complete?

Final Walk-through inspection?

Is your insurance policy paid and ready?

What form of check to use for closing cost?

What is the closing amount?

Receipts for items you have already paid for?

Bring checkbook to cover any overlooked fees?

Bring a valid photo I.D.

The Day ofSettlement

Settlement officer will ask for your paidhome insurance policy

Settlement officer will list the adjustments

You will sign the mortgage & mortgage note

You will get title from seller in the formof signed deed

Lender’s representative will collect closingcost and give you a settlement statement

You will receive keys to your new home

The deed and mortgage will be recorded in the town or county courthouse.(Timeframe can vary)

Congratulations, The Home Is Now Yours!

GeorgiaRealty

Welcome To YourNew home!9

We Would BeHonored To

Help You Find Your New Home.