Jacqueline Buyer Packet

Home Buying

“A Step By Step System”

Jacqueline W. Klein “Your Realtor for Life”

(502) 802-6752 cell [email protected]

Make Offer

Accepted Rejected

Q. Should I Buy a Home Now? A. Yes! Prices of homes have been steadily increasing since the 1940’s. Putting off buying a home will only allow the property values to increase and become more expensive. Also, interest rates are still at an all time low allowing you to be able to afford more home. Q. How do I Find the Right

Home? A. First I will consult with you to determine your price range, needs and desires for you new home. I work with many buyers and understand that you do not want to 1) lose the perfect home 2) miss something better or 3) pay too much for your home. With these things in mind I will send you properties in the Multiple Listing Service (MLS) through email. You may select potential homes you would like to see and I will set an appointment for us to view them. Once we discover the home you love, I will help you construct an offer to purchase.

Choose Realtor

Prepare for Ownership

View Properties

Pre Approval

Start

The diagram helps explain the process you will go

through to find the perfect home for you.

T h e H o m e B u y i n g P r o c e s s

Negotiate

Jacqueline W. Klein 502-802-6752

THE HOME BUYING PROCESS

10 STEPS TO PREPARE FOR HOMEOWNERSHIP

START THINKING 1. Talk to a lender to determine how much home you can afford. Generally, you can afford a home valued between two and three times your gross income. 2. Develop a wish list of what you’d like in a home. Then prioritize the features on your list. 3. Select three or four of your favorite neighborhoods. Consider items such as schools, recreational facilities, area expansion plans, and safety.

TALK TO LENDERS

4. Determine if you have enough saved to cover your down payment and closing costs. Closing costs including taxes, attorney’s fee, and transfer fees average

between $3000 - $5000. Jumbo loans and higher priced homes will be more.

5. Get your credit in order. Obtain a copy of your credit report. You may wish to wait until you choose a lender so your report will only be run once.

6. Explore different loan options and decide what’s best for you.

7. Organize all the documentation a lender will need to pre-approve you for a loan.

8. Have your lender help determine if you qualify for special mortgage or down payment assistance programs.

MAKE DECISIONS

9. Calculate the costs of homeownership. Include property taxes, insurance, maintenance and association fees.

10. Find an experienced REALTOR® who can help you through the process. Call me and we can begin to make your dreams a reality!


WHAT A REALTOR WILL DO FOR YOU


The REALTOR® you work with is your most valuable resource. Unlike many real estate agents who are simply licensed by their state to do business, REALTORS® have taken additional steps to become members of the local board of REALTORS® and have agreed to act under and adhere to a strict Code of Ethics. Plus… • A REALTOR® will help you determine how much home you can afford. Often a REAL TOR® will suggest ways to accrue the down payment and explain alternative financing methods. • A REALTOR®, in addition to knowing the local money market, also can tell you what personal and financial data to bring with you when you apply for a loan. • A REALTOR® is already familiar with current real estate values, taxes, utility costs, municipal services and facilities, and may be aware of local zoning changes that could affect your decision to buy. • A REALTOR® will research your housing needs in advance through a Multiple Listing Service--even if you are relocating from another city. • A REALTOR® will show you only those homes best suited to your needs--size, style, features, location, accessibility to schools, transportation, shopping and other personal preferences. • A REALTOR® will suggest simple, imaginative changes that make a home more suitable for you and improve its utility and value. • A REALTOR® is sensitive to the importance you place on this major commitment you are

about to make. Look for a real estate professional to facilitate negotiation of a win-win agreement that will satisfy both you and the seller.

www.Realtor.com

QUESTIONS TO ASK A REALTOR

How long have you been in residential real estate sales? Is it your full-time job? I have been a Realtor since 1996. Yes, it is my full-time job. What designations do you hold? (Designations, such as GRI and CRS, which require that real estate professionals take additional, specialized real estate training, are held by only about one-quarter of real estate practitioners.) I am a Broker as of 2001 and a CRS (Certified Residential Specialist). Will you represent me exclusively, or will you represent both the buyer and the seller in the transaction? (While it is legal to represent both parties in a transaction, it’s important to understand where the Realtor’s obligations lie. I will only represent you as a BUYER’S AGENT. I will explain in more detail on the Agency page. Can you recommend service providers who can assist me in obtaining a mortgage, making repairs on my home, and other things I need done? (Keep in mind here that real estate professionals should generally recommend more than one provider and should tell you if they receive any compensation from any provider.) Yes. Please see Preferred Vendors page at the back of this booklet. What’s your business philosophy? (While there’s no right answer to this question, the response will help you assess what’s important to the real estate practitioner—fast sales, service, etc.—and determine how closely the practitioner’s goals and business emphasis mesh with your own.) My philosophy is to provide exceptional real estate services with personal care, concern and attentiveness using the highest degree of professionalism, loyalty and knowledge. Please see my Mission Statement page. Could you please give me the names and phone numbers of your three most recent clients? Yes, please see References page.


MISSION STATEMENTS COMPANY & PERSONAL


COMPANY MISSION STATEMENT Our mission is to live the philosophy of “Realtor for Life”, to deliver it with care and respect for our clients and to achieve results beyond the ordinary while maintaining a personal and professional balance in life.

COMING TOGETHER IS THE BEGINNING As two successful REALTORS, Ashley and Jacqueline discovered each other and formed an unbeatable force of spirit and talent.

KEEPING TOGETHER IS PROGRESS Using the strong foundation set in place over the last 10 years, they are proud to present their masterpiece, Parker & Klein Real Estate.

WORKING TOGETHER IS SUCCESS Parker & Klein offers customized service and produces results beyond the ordinary. Each of our REALTORS believe in our mission: to be your “Realtor for Life.”

PERSONAL MISSION STATEMENT My goals are to: • Deliver service of such quality that my clients consider me to be their Realtor® for life. • Make a positive difference in the life of those I meet. • Be relentless in the pursuit of perfection. • Strive for balance between work, family and personal observances.

An agent can, at the Buyer’s request, act as an agent for the Buyer only. Even though the agent may receive compensa-tion from the Seller for services rendered, the Buyer’s agent is not working on behalf of the seller. Client status is established once it is a cknowledged the Buyer’s agent is not an agent of the Seller. The Buyer’s agent then accepts the duties of a “client” relationship which includes negotiating on the Buyer’s behalf, informing the client of all known material facts and maintaining confidentiality.

A real estate agent can legally be the agent of both the Buyer and the Seller in a transaction, but only with the consent of all parties. The agent in this s i tuat ion has the fiduciary duties of utmost care, integrity, honesty, fairness and loyalty in dealing with both the Buyer and the Seller. In this situation the agent must not give an unfair advantage to one party over the other. A signed agreement

must accompany a sales contract that all parties in the transaction agree that the agent may represent both the Buyer and the Seller.

Buyer’s Agency Dual Agency

Buyers Agency is the best as you

get 100%dedication from

the agent.

Everything they do must be in

your best interest.

BUYER’S AGENCY


“SAFE MOVE, SMART MOVE”


Y o u r R E A L T O R ® f o r l i f e

• Immediate access to all listings

• Send you listings daily via email

• Show you homes best suited for you

• Establish fair market value for the home you like

• Negotiate contracts in your best interest

• Connections for lending and inspections

• Negotiate necessary repairs

• Take care of the details even AFTER close

• Available by cell phone 8:30 am to 6:30 pm

Education/Certification/Board Positions Certified Residential Specialist, 2005 Quality Service Certified, 2005 Broker License 2001 Sales Associate License 1996 Vice Pres., Greater Louisville Assoc. of REALTORS Treasurer, Greater Louisville Assoc. of REALTORS Board of Directors two terms Realtor to Realtor Roundtable Chairman of Grievance committee GLAR Strategic planning committee member 2004

Awards 2004 Outstanding Sales Associate, Wakefield Reutlinger & Co. Realtors 2005 Agent with most homes sold, Wakefield Reutlinger & Co. Realtors Organizations/Volunteering Greater Louisville Board of Realtors Habitat for Humanity Festival of Trees and Lights Goodwill Industries Festival of Trees and Lights Room mother, Chance School

J a c q u e l i n e W. K l e i n

Service Guarantee

I will: 1 . Conduct counsel ing and information session to ident ify your needs and goals and to p lan

a proper ty search. 2 . Offer to arrange pre-qual ifying or pre-approval meet ing with a lender to determine your

pr ice range and improve negot iat ing posi t ion at the point of offer . 3 . Commit to pr ior i ty avai labi l i ty for property research and showings. 4 . Complete a thorough market search to ident i fy al l proper t ies consis tent with your needs

and pr ice range. 5 . Prepare a wri t ten Comparat ive Market Analysis for you prior to making an offer . 6 . Prepare a wri t ten offer to purchase on the property of your choice. 7 . Provide counsel and negotiat ing assis tance on your offer to purchase. 8 . Obtain and review with you the sel ler’s d isclosure of proper ty condit ion. 9 . Recommend professional home and termite inspect ions. Review f indings and remedies

with you. Negotia te with sel lers i f repairs are needed. 10. Monitor and communicate the s tatus and sat isfact ion of contract cont ingencies . 11. Accompany you on walk through proper ty inspect ion before closing. 12. Contact you af ter the closing to assure the sat isfactory complet ion of your move. 13. Offer the oppor tuni ty to evaluate my services provided through the Buyer Feedback

Survey. ______________________________ Signature Date

Serv ice Guarantee T h e s e r v i c e G u a r a n t e e i s y o u r w r i t t e n c o m m i t m e n t f r o m J a c q u e l i n e

a s s u r i n g t h e d e l i v e r y o f a l l t h e s e r v i c e s d e s c r i b e d b e l o w .



TESTIMONIALS

Buyers and Sellers trust Jacqueline to get the job done with honesty and dependability.

Here is what they have to say:

“You are committed to your client/agent relationship. Even when you were out of town you were easily accessible, something not offered with larger agencies! Thank you for the timely sale of our home.” - Mr. & Mrs. Faulkner “Thank you so much for all you did for us. We absolutely love our house!...You are so organized. You made the most of our house hunting time. You worked really hard and we appreciate all the hard work.” -Dr. & Mrs. Glass “You made the process seem so easy and not as scary! We will certainly look forward to working with you again in the future.” - Dr. & Mrs. Maughan “Jacqueline, as usual you came through. You must be the most helpful and enthusiastic person I know. You're the best!” -C. Maddux “I just wanted to let you know how much Jon and I appreciated all your help and advice throughout the hunting and purchasing process. You have been great to work with and we enjoyed getting to know you.” - Mr. & Mrs. Hobbs “...a note to say a BIG thank you! You did such an awesome job selling our house. Being first time home sellers we were a little clueless. You walked us through the entire process and made it completely stress free for us.” - Dr. & Mrs. Glass “Quickly focused on what I wanted. Very organized, no wasted time.” - Mr. A. Wright “Jacqueline, you set the standard and raise it when it comes to professional real estate services. You saw to it that our relocation to Kentucky was a positive experience for our family.” -Mr. & Mrs. West “Compassionate & caring, Jacqueline’s guidance in preparing our house for sale was invaluable. In a tough market, the house sold in eleven days. At least three houses of similar type were on the same street, (at the time) were not sold.” -Mr. & Mrs. Factor “Always so impressed by her professionalism & attention to details.” -Mr. & Mrs. Maxwell

REFERENCES

I have helped hundreds of families with their real estate needs. Below is a short list of just some of the clients that would be happy to speak with you. Please feel free to call them and find out about the exceptional service they received when working with me to buy or sell their home. Dr. and Mr. Greg Strull 502-429-0023 Steve and Rosanne Singer 407-971-8066 Dr. and Mrs. Tommy Glass 502-423-9062 Kyle and Diane Justice 502-412-0008 Sean and Tiffany Embry 502-299-1224 Tony and Christy Aloise 502-499-8103 Dr. and Mrs. Dean Canan 502-423-1967 Kevin and Sarah Horton 502-749-3383 Ms. Mary Kay Schwager 502-451-9389 Camille Dean 502-777-7728


PRE-APPROVAL


In the beginning stage of your search process you should speak with a lender to explore your financing options. Any lender you contact should be able to draw up a “good-faith” estimate upon request. This statement will outline your closing costs, monthly mortgage payments taxes, insurance, points and other fees of the loan program they recommend. Putting this step behind you will help you feel more prepared in your search and ultimately allow us to submit a stronger offer when you find a home. Officially, the last step you should take is to be pre-approved. Once you have spoken with lenders and have chosen the one you like, you should start the loan application process. “Pre-approved” means that you have submitted a loan application along with documents that the lender needs. Based on the information you provide and your credit score, the lender will approve a home purchase up to a certain amount. The lender will provide you with a commitment letter stating this information. We will include this in your offer to purchase a home. Sellers are often impressed and put at ease when the letter is included in the offer. The best part for you is that you will have no surprises.

Items Needed for Credit Application

• Addresses for 4 full years • Gross monthly income • W-2’s • Proof of income (pensions, rentals, child support, retirement etc.) • Year to date pay stub (or 1040 tax returns and current P & L for self employed) • Creditors name, address, account type, minimum payments and approximate balances • Checking/savings account numbers, institution name, type of account and balances • List of assets (stock, bonds and land, life insurance cash value) • Social Security numbers • Application fee

“Pre-Qualified” means you have SPOKEN with a lender and based on the verbal information he thinks that you should be able to purchase a home around “x” price.

WHAT TO DO IF . . .

You are driving home from work and see a home listed by another company that you would like to view...

A friend calls and tells you about a great house that they thought you should see... You come across a For Sale By Owner that you would like to see...

You see an ad in the newspaper for a home that looks appealing...

Looking on the internet you see a home that you would like to visit...

CALL ME! 802-6752

!!!!!!

To be able to represent you in a contract, I have to be the one to call and set the appointment. This is an important part of my service for you and part of how I am

compensated by the seller. If you call, I may not be able to represent you if you like the home enough to make an offer.


FOR SALE BY OWNER AND NEW CONSTRUCTION


For Sale By Owner

You will undoubtedly see homes during your search that are For Sale By Owner (FSBO). There are FSBO’s who welcome agents and their buyers and are willing to pay the buying agent’s commission and those who will not. I always advise my clients to let me make the first call so that the FSBO will know you are represented. It is much easier to tell them you have a Realtor before you see the home. I am aware the perfect home for you may be a FSBO. If the FSBO is not paying a buying agent commission I can still help you through the process. We will include my commission in the offer we give the FSBO. Why You Need Representation I urge you to consider the value of a professional opinion and experience of a Realtor. I will assist you in determining the value of the home and making an offer accordingly. FSBO’s are usually overpriced which may make it difficult to appraise and prevent you from getting your financing. Without representation, it will be more difficult to schedule and conduct the home inspection, pest inspection and appraisal. More importantly, I will negotiate any necessary repairs or credits for you and have a greater chance of convincing the seller to cooperate. I know the laws and procedures and will make sure that you are properly protected from start to finish.

New Construction You should remember that a Realtor showing a new home works for and is paid by the builder. The builder’s Realtor will likely make the same commission if you have a Realtor or not and there will be no savings passed onto you. There are no advantages to working directly with the builder and their Realtor. You need your own representation to make sure all of the upgrades and changes are completed as agreed and that the construction time frame is adhered to. There are many decisions to be made and deadlines to be kept and you need your Realtor working for you to have your dream home built the way you want it.

MAKING AN OFFER


4 Forms in Purchase Contract

1. Offer to Purchase Contract (detailed below) 2. Seller’s Disclosure of Property Condition This document is the seller’s account of any problems with the home during their ownership and must be signed by the buyer as part of the contract. 3. Lead Base Paint Form This form is completed and signed by both parties if the home was built before 1978. The seller will disclose if they are aware of Lead Base Paint in the home. 4. Agency Disclosure This form is signed by the Buyer and the Realtor disclosing who the Realtor and their firm is representing. Explanation of Purchase Contract • Purchase Price: Only you can decide what price you would like to offer, but I will help you obtain all the information possible to make an informed decision. This will include providing you with a CMA (comparative market analysis) • Extra Request Items: You may request certain personal items be left

with the home such as window treatments and appliances. • Earnest Money Deposit. You should be prepared to write a check to be

considered a good faith deposit. This check will be deposited in the listing company’s escrow account and credited to you at the closing.

• Type of Financing: The three different loan choices you have are Conventional, FHA and VA. This area will include the amount of your down payment and interest rate.

• Appraisal: If financing is used the contract will be contingent upon the lender’s appraisal of the home.

• Closing & Possession Date: Choose this date according to the amount of time it will take you to have your loan processed and inspections completed, normally 30 - 45 days. Choose the date you will take possession of the property. It’s best to take possession at closing.

MAKING AN OFFER CONTINUED


Inspections: Decide if you are going to take the home “as-is” or opt to have a home and pest inspection. Choose the amount of time to have these completed, normally 7– 10 days.

Other Terms and Conditions: This space allows us the freedom to customize your

contract. If this contract is going to be contingent on selling your home first, this is where we would let the sellers know. If you plan to have the seller help with any of your financing this is where we would make the request.

SELLERS RESPONSE: Once your offer is submitted to the selling party, they will have a deadline to respond. This deadline is predetermined in the contract depending on how much time was written in the offer. They may respond with any of the following: 1. ACCEPT: The seller accepts the offer and agrees to all the terms in the contract. 2. REJECT: The seller out right rejects the offer or lets it expire and all negotiations are

done. 3. COUNTER: The seller can selectively change certain parts of the contract to better fit their needs and desires. They will in turn submit the newly changed contract to you for you to accept, reject or counter. This cycle may continue until there is an agreement, until the deadline passes, or until it is determined that an agreement cannot be reached.

HOME INSPECTIONS


Inspections are typically completed within 7-10 days of contract acceptance. Inspectors will look for major defects in the home, non-functional systems, safety concerns and more. Some items they will cover and examine: • Siding • Foundation/Structure of the home • Exterior brick condition • Insulation: quantity • Doors and Windows: condition • Roof • Ceilings, walls, and moldings • Porch/Deck • Electrical • Plumbing • Water Heater • Furnace/Air Conditioning • Garage • Basement • Attic • Septic Tanks • Driveways/Sidewalks There is no right or wrong repair request. Sellers are not required to make repairs that are requested. The sellers may selectively choose which repairs they will do and/or offer a credit at close for a dollar amount in lieu of repairs. After the seller responds to your request you have three choices: ACCEPT, NEGOTIATE some terms of the repair, or VOID the contract.

CLOSING ON YOUR HOME


Closing Checklist

1. Home Inspection Complete 2. Pest Inspection Complete 3. Radon Complete 4. Survey Complete 5. Appraisal Complete 6. All Repairs with appropriate documentation Complete 7. Home Warranty Ordered– if needed 8. Home Owner’s Insurance Policy Ordered and sent to Closing Attorney 9. Utilities Scheduled to Transfer 10. Change of Address sent to Post Office 11. Final Walk Through Complete 12. Final Loan Approval 13. Owners Title Insurance included on HUD statement The closing will be held at the title company or attorney’s office and should take about 45 minutes to an hour. This is the final gathering where the buyers and sellers come together to sign all the papers and transfer the title from one party to the other. Other people present will be the seller’s Realtor, the attorney, and possibly your lender.

Before closing, I will go over the settlement statement (known as the HUD-1 form) with you to make sure the numbers, pro-rations, and closing costs are correct. Be sure to bring your DRIVERS LICENSE and CERTIFIED CHECK to the closing. Once all the documents are signed and you have completed all the paperwork, you will be able to take the keys

and take possession of your new home.

Congratulations!

LOUISVILLE WEBSITES


About Louisville New to Louisville: www.hellolouisville.com Insider’s Guide to Louisville: www.insiders.com/louisville Louisville’s Internet Presence: www.networklouisville.com Louisville Metro Government: www.louisvilleky.gov Louisville Scene: www.louisvillescene.com Louisville Convention & Visitor’s Bureau: www.gotolouisville.com The Metro Chamber of Commerce: www.greaterlouisville.com Louisville Visitor’s Guide: www.kytravel.com Government City of Louisville: www.louisvilleky.gov Kentucky State Government: www.kentucky.gov Schools Jefferson County Public Schools: www.jefferson.k12.ky.us Jefferson County Public Schools Scores: www.kde.state.ky.us/ Parochial Schools: www.archlou.org Oldham County Public Schools: www.oldham.k12.ky.us University of Louisville: www.louisville.edu Bellarmine University: www.bellarmine.edu Arts & Museums Kentucky Center for the Arts: www.kca.org Louisville Orchestra: www.louisvilleorchestra.org Actors Theatre: www.actorstheatre.org Louisville Ballet: www.louisvilleballet.org Kentucky Opera: www.kyopera.com Broadway Series: www.broadwayacrossamerica.com Stage One (Children’s theatre): www.stageone.org

LOUISVILLE WEBSITES CONTINUED


Arts/Museums Kentucky Arts and Craft Foundation: www.kycraft.org Speed Art Museum: www.speedmuseum.org Louisville Palace Theatre: www.louisvillepalace.com Kentucky Derby Museum: www.derbymuseum.org Louisville Slugger Museum: www.sluggermuseum.org Louisville Visual Art Association: www.louisvillevisualart.org St. James Court Art Show: www.stjamescourtartshow.com

Attractions The Kentucky Derby Festival: www.kdf.org Churchill Downs: www.churchilldowns.com Louisville Zoo: www.louisvillezoo.org Louisville Bats: www.batsbaseball.com Six Flags Kentucky Kingdom: www.sixflags.com Louisville Science Center & IMAX Theatre: www.louisvillescience.org Kentucky State Parks: www.kystateparks.com Belle of Louisville: www.belleoflouisville.org Caesars Indiana Casino: www.parkplace.com/caesars Belterra Casino Resort: www.belterracasino.com Kentucky Speedway: www.kentuckyspeedway.com

About Kentucky Kentucky Tourism: www.kytourism.com Kentucky Tourism Council: www.tourky.com Kentucky Travel Guide: www.kytravel.com Kentucky Statistics: www.50states.com/kentucky.htm

Miscellaneous Homes in Louisville Search Engine: www.ParkerAndKlein.com Courier Journal Newspaper: www.courier-journal.com Louisville Restaurant Guide: www.iglou.com/restaurants Kentucky Golf Course Guide: www.kentuckygolf.com Louisville Stoneware: www.louisvillestoneware.com

PREFERRED VENDOR LIST


LENDERS Republic Bank Pat Sullivan 502-394-4492 Benchmark Mortgage Russ Gerry 502-558-5580 HOME INSPECTORS Mark Oerther Associates Mark Oerther 502-459-1446 Pro-Tech Home Inspection David Waggoner 502-551-6151 HOME IMPROVEMENT Hartlage Home Improvement Ryan Hartlage 502-396-2265 SUBCONTRACTORS DFH Heating & Air Chris Hinkebein 502-968-6222 Weber Heating & Air Joe Weber 502-896-1617 Brothers Plumbing Ray Hubbard 502-239-2880 Moser Plumbing Mike Moser 502-773-2173 Carney Roofing Specialists Debbie or Corkey 502-426-3382 Electrician Matt Harrod 502-931-9389 Painter Jimmy Henderson 502-639-1022 HOME INSURANCE Kentucky Farm Bureau Jason Broyles 502-966-0660 State Farm Bob Blair 502-244-0271 Hayes, Utley & Hedgspeth Chris Reynolds 502-493-7929 Above list provided for your convince only. Clients hold harmless broker from claims, disputes, or actions relating to above vendors. Parker and Klein does not receive referral fees.

MOVING CHECKLIST


Send Change of Address to: Post office: Give forwarding address Charge accounts, credit cards Subscriptions: Requires several weeks notice Friends and relatives Bank: Transfer funds, arrange check-cashing in a new city Insurance: Notify new location for coverage; life, health, fire and auto Automobile registrations: Transfer of car title, driver’s license; city windshield sticker,

motor club membership. Utility companies: Gas, light, water, telephone, fuel (Be sure to get a refund of any

deposits made and arrange for service in new town) Home delivery: Laundry, newspaper School records: Ask for copies or transfer of children’s records Medical, dental, prescription histories: Ask a doctor and dentist for referrals; transfer

needed for prescriptions, eyeglasses, x-rays. And Don’t Forget to: Dispose of hazardous materials (502) 574-7336 (57GREEN). Empty freezer; plan use of food Defrost freezer/refrigerator; place charcoal to dispel odors Call cable company and/or leave remote antenna equipment Clean rugs and clothing before moving; have them moving-wrapped Check with your moving counselor, check insurance coverage, packing and unpacking

labor, arrival day, various shipping papers, method and time of expected payment Plan for special care needs of infants

And on Moving Day: Carry currency, jewelry, documents with you or use registered mail Plan for transporting pets; they are poor traveling companions if unhappy Let a close friend or relative know your route and schedule and use this person as

message headquarters Double check all closets, drawers, and shelves to be sure they are empty Leave all old keys needed by new tenant or owner with the agent or REALTOR ®

Jacqueline Buyer Packet

Documents

Transcript of Jacqueline Buyer Packet