Post on 12-Oct-2020
© 2017 Gerken & Associates, all rights reserved
Cell: 417.593.7834 Alex@GerkenandAssociates.com
www.AlexWebsterHomes.com
© 2017 Gerken & Associates, all rights reserved
OUR Company
• Over 40+ Years in Business • Outstanding Reputation • Strong Code of Ethics & Integrity • State & Local Leadership • Realtor® Continued Education • Boutique Firm • Support of the Entire Office • Dedicated Closing Broker • Single Agent Relationship
© 2017 Gerken & Associates, all rights reserved
AGENT PROFILE
Alex Webster
• Full-Time Realtor® • The Ultimate Relocation Guide • Serves on Committees within the Tri-Lakes Board of Realtors® • Hyper Local Entrepreneur • Hospitality & Entertainment Background • Big Fan of England’s Brighton & Hove Albion Soccer Club • Husband and Father of Two
Cell: 417.593.7834 Office: 417.334.1892 ext. 112
Alex@GerkenandAssociates.com www.AlexWebsterHomes.com
“I will definitely recommend Alex!
Alex did a fabulous job helping
and getting information to us in a
timely manner. Great personality
and very attentive!” – Judith Robinson
© 2017 Gerken & Associates, all rights reserved
HOME BUYER’S
Timeline
Initial Conversation
Decide on Criteria
Select Neighborhoods
Get Loan Pre-Approval
Sign Up for Agent’s Portal
Emails
Property Search
Select Potential Houses
Tour Homes
1st Offer Earnest Money
Accepted Contract
Negotiations
© 2017 Gerken & Associates, all rights reserved
WHAT’S YOUR
Motivation?
• Why are you wanting to buy? • What’s your desired time frame? • Do you have another house to sell first? • What about ‘location’ is of importance? • Are you pre-approved for a loan or is this purchase cash only? • Who are the decision makers & emergency contacts? • Do you have any general concerns?
© 2017 Gerken & Associates, all rights reserved
PURCHASING POWER Loan Pre-Approval
How You Will Benefit:
• Getting pre-approved is a 15 minute over-the-phone process that will expedite your home search
• You will have completed a credit check and paperwork requirements for a mortgage
• You’ll know the amount approved and your ability to finalize a home purchase
• If there is a credit issue you’ll have time to fix it before making an offer
• Pre-approval will speed up the process once you make an offer
Your Mortgage Lender Should:
• Explain all your available loan options
• Give feedback on how to improve your credit profile
• Generate a mortgage approval based on your debt-to-income ratio and credit score
• Offer recommendations on how to handle your money between application to closing day
• Provide advice on when to lock in your loan rate
Source: http://www.realtor.com/advice/finance/get-a-mortgage-preapproval
What Your Mortgage Lender Expects From You:
• Honesty about your finances
• Responsiveness to all requests for additional information needed
• To be prepared with tax returns, W2s, bank statements, employer names/addresses, & your current landlord’s information
• To NOT open new credit cards, store credit cards, or make any large unnecessary purchases that vary from your day-to-day living expenses; this can affect your debit-to-income ratio and disqualify you for your loan
• To consider your personal budget and your own comfort level with the payment amount
• You do not have to borrow the maximum amount you qualify for
• Careful planning and preservation of your emergency fund are important for responsible, long-term homeownership
© 2017 Gerken & Associates, all rights reserved
Tri-Lakes Board of REALTORS®
Lender Affiliates
Dana Crowell 400 Business Hwy 65 Branson, MO 65616
417.527.2452 dana.crowell@centralbank.net
Tuesday Blair 2001 State Hwy 248, Ste. 9
Branson, MO 65616 417.213.3444
tblair@primelending.com
Kim Senne 1501 State Hwy 248 Branson, MO 65616
417.334.9696 ksenne@bransonbank.com
Christina Ferrante 202 N. Commercial Street
Branson, MO 65616 417-839-9937
cferrante@flat-branch.com
Honar McGuffee 21159 Main Street
Reeds Spring, MO 65737 417.272.1288
Honar.McGuffee@ simmonsfirst.com
Mike Linneman 19014 Business 13
Branson West, MO 65737 417.272.9300
mlinneman@trcbank.com
© 2017 Gerken & Associates, all rights reserved
Tri-Lakes Board of REALTORS® Home Inspector Affiliates
Home-Trust Inspections, LLC Don Grindle
417.818.8085 don@hometrustinspections.net
White River Home Inspection Services
John Rulon: 417.337.3285 Amber Rounseville: 417.631.7291
whiteriverinspectionservices@gmail.com
Cornerstone Property Inspections Aaron Driskell 417.209.4321
cpi@cpipros.com
Our Family Home Inspection Services Jason Bruck
660.492.7690 JBruckFire@yahoo.com
© 2017 Gerken & Associates, all rights reserved
Tri-Lakes Board of REALTORS®
Home Warranty Affiliate
HSA Home Warranty
George Brockman
417.551.2189
George.Brockman@onlinehsa.com
A HSA Home Warranty Provides:
• Peace of mind – Any move is going to include its share of new expenses. Take comfort in the fact that repairs of a covered system or appliance won't be part of that.
• Reliable service – You don't have to worry about calling around town for service recommendations and estimates. Just contact HSA! We'll arrange for a diagnosis by one of our qualified, prescreened service contractors. The convenience of the service is matched only by the quality of repairs.
• Protection for years to come – You'll have excellent protection, service and convenience from HSA the year you purchase your new home, but it doesn't have to end there – you can renew your home warranty year after year. With a monthly payment plan option, you can continue to affordably protect against normal wear and tear that will eventually take a toll on your home's mechanical systems and appliances.
Source: More information can be found at http://www.onlinehsa.com/Homeowners/Buyer-benefits.aspx
© 2017 Gerken & Associates, all rights reserved
Relationship
© 2017 Gerken & Associates, all rights reserved
PERSONALIZED
Portal
• Alerted Before the Public • Full Details & Pictures • Access to Documents & Maps • Easy Property Sorting System • Share Listings via Social Media & Email
• Personal Priority Access to Flex Multi-List • Everyone’s Listings (not just ours) • Personalized for your Specific Desires • Our Program Runs 24/7 Continually
Looking for Anything that Matches Your Criteria
© 2017 Gerken & Associates, all rights reserved
HOME VIEWING
Etiquette
Be courteous and mindful when attending scheduled showings:
• Arrive on time or call your agent if you are running early or late • Wear comfortable shoes & be prepared to take them off • Eat and use the restroom prior to viewing • Respect the seller’s personal property • Stay together when viewing; tour the home as a group • Children are welcomed, but keep watch over them • Leave it exactly the way you found it • Stay on track • Be mindful of surveillance • If you love the house share that detail once you exit • Be politely frank and move on if the house is not for you • Take notes of what you like and don’t like • Only take interior photos of the home if given permission
© 2017 Gerken & Associates, all rights reserved
CONTRACT
To Close!
Loan Application
Title Work Loan
Documents Closing
Appraisal Home Inspection
Loan Approval
Keys!
© 2017 Gerken & Associates, all rights reserved
HOW WE MAKE
the Difference
• Over 40+ Years in Business • Outstanding Reputation • Personalized Portal • Professional Affiliates • Personalized Home Tours • Support of the Entire Office • Dedicated Closing Broker • Single Agent Relationship