PRESENTED BY

Christian Nossum

Welcome!

Dan Keller

THE HOSTS OF

Seattle Real Estate Radio

Les Cutting

TO THEAWESOME NOSSUM HOME BUYING CLASS

Why Awesome Nossum?

Dan &

Christian LIVE Every Monday!

Live on Monday 3-4pmSaturday 5-6pm1300am KKOL

Live streaming on iHeartRadio

Watch all previous episodes on

SeattleRealEstateRadio.com

Recognized by their Peers

Top 10 Real Estate Agent in the Nation

Calling them one of the “Best of the Best”

Recognized by their Peers

Christian Nossum & Dan Keller often featured on Curbed.com as their local Seattle Real Estate & Mortgage

Experts

People love us on Yelp!

TheAwesome Nossum

Group

Why Use The Awesome Nossum Group?•Great Negotiators

•All About Education•Not Pushy (at all!)•Seattle Neighborhood Experts•Tech Savvy•Available 7 Days/Week•7:30am-10pm

Home Buying

Understanding the Market

TheAwesome Nossum

Group

Top Concerns ofSeattle Home Buyers

29%Rising

Mortgage % Rates

Saving for a Down

Payment

Low Inventory

19% 14%

Zillow

Home Buying

35% The

Awesome Nossum

Group

of Millennials are putting less than a 20%

down payment

TD Bank Home Buyer Pulse Press Release - JULY 26, 2016

Home Buying

71% The

Awesome Nossum

Group

of all buyers have a 5% or less

down payment

TD Bank Home Buyer Pulse Press Release - JULY 26, 2016

UP 16% July 2015to July 2016

King County Home Prices…

NWMLS

Home Buying

“Saving up to have a larger downpayment doesn’t always make sense.”

TheAwesome Nossum

Group

$500,000 Home 5% Down 20% DownDown Payment $25,000 $100,000Loan Amount $475,000 $400,000Interest Rate 3.875% 3.875%Principal & Interest $2,234 $1,881PMI $269 $0Total Payment $3,068** $2,446**

Assumes a 30-year-fixed-rate mortgage**Assumes $500/month property tax and $65/month homeowners insurance payments

Difference in Payment $622

Difference in payment over the next 12 months

($622/month x 12)$7,464

Expected appreciation over the next 12 months (5.1% x

12 months)$25,500

DIFFERENCE -$18,036

Should you wait 1 year to buy?

*Based on CoreLogic’s projected appreciation of 5.1% over the next 12 months

Difference in payment over the next 24 months ($622/month x 24)

$14,928

Expected appreciation over the next 24 months (5.1% x 24 months)

$52,300

DIFFERENCE -$37,372

What if you wait 2 years to save 20%?

*Based on CoreLogic’s projected appreciation of 5.1% over the next 12 months

Home Buying

Steps to Buying a House

TheAwesome Nossum

Group

Home Buying

Grab a Beer or CoffeeLet’s talk about your specific situation

:Your Wants and Your Needs

TheAwesome Nossum

Group

Home Buying

EmotionsThe

Awesome Nossum

Group

Home Buying

Get Underwritten

TheAwesome Nossum

Group

Not just Pre-ApprovedThat doesn’t cut it in this market

Home Buying

Look at HousesThe

Awesome Nossum

Group

Looking at houses

The Fun Part!

Email or Text us the houses you find and

like online

We work 7 days/week

Evenings and Weekends too

We’ll set up a time to go

check it out

7:30am - 10pm

(if not later)

Home Buying

Making an Offer

TheAwesome Nossum

Group

Multiple Offer Situations

Tips for winning in a bidding war

Get Pre-Underwritten by a

Local Lender

Make a Strong Offer

Remove Contingencies

TheAwesome Nossum

Group

ContingenciesConsider Removing

These

Inspection Financing Appraisal

Home Buying

Choose an agent that is an expert negotiatorThe

Awesome Nossum

Group

Home Buying

Offer accepted…Now what?

TheAwesome Nossum

Group

Home Buying

Acceptance to Closing

TheAwesome Nossum

Group

Home Buying

Earnest MoneyThe

Awesome Nossum

Group

Escrow is a Third party intermediary that represents neither the buyer nor the seller. What do they do?

What is Escrow?

Hold the Earnest Money

Coordinate the signing

appointments for all parties

Receive and disperse funds for

closing

Arrange for Payoff of any liens (seller’s

mortgage, utilities, etc.)

Notify county to change of ownership

Home Buying

InspectionThe

Awesome Nossum

Group

Home Buying

AppraisalThe

Awesome Nossum

Group

Home Buying

Signing AppointmentThe

Awesome Nossum

Group

Signing and Closing

A few days before closing you will sign your closing documents and we’ll do a final walk through

On the day of closing, you will probably get your keys sometime between 4pm - 6pm

TheAwesome Nossum

Group

Home Buying

Get Your Keys!!!The

Awesome Nossum

Group

Home Buying

We throw you a housewarming party!

TheAwesome Nossum

Group

Co-Host of Seattle Real Estate Radio

Live on Monday 3-4pmSaturday 5-6pm1300am KKOL

Live streaming on iHeartRadio

Watch all previous episodes on

SeattleRealEstateRadio.com

About Dan Keller

= Experience

● 2014 Top 40 Under 40 – Mortgage Professional Magazine

● Seattle Magazine 5-Star Professional 2009-2015

● 120+ transactions a year since 2012● Direct LOCAL Mortgage Lender ● Obsessed with “Raving Fans” service ● National Speaker

About Dan Keller

Experience Matters

How NOT To Start….

How NOT To Start….

How NOT To Start….

How NOT To Start….

How NOT To Start….

What’s Really Important…

What’s Really Important…

We are a PURPOSE-DRIVEN mortgage team that is centered around 3 things -

- An unbelievable mortgage planning consultation- Tons of follow-up- An extraordinary high level of service

Our MISSION is to help our clients understand the

importance of attaining a very comfortable mortgage payment so that they are able to save

money for retirement, and retire well-off.

Our PURPOSE is to turn our clients into advocates by providing a world-class experience before, during, and after funding your home loan!

Big TEAM To Cater To You

Largest Financial Decision of Your Life

Top 8 Concerns In 2017

Credit

Down Pmnt.

In a lease

Friends

Market... Bubble

IDK where to start

Not loan worthy

Afraid of costs

The 4 Parts of A Loan Approval

(4) PROPERTY

Benefits of Home Ownership

Think about this for a moment:(1) You INCREASE Your Tax Benefits?(2) You INCREASE Your Investment Strategy (the greatest ROI)(3) You DECREASE Risk? (i.e. Diversification)(4) Did you know there are programs where you do not need 20% down to avoid PMI?

Getting A Mortgage Is Tougher Than Ever

88 Ways You Will Encounter Turbulence

● Approach: Pro -vs- Amateur ● Total Cost of Buying A Home

● Seller (26)● Borrower (35)● Property (9)● Inspector (4)● Appraisal (6)● Escrow/Title (8)

The Process

● Initial Discovery Call– goals, timeline, expectations

● Mortgage Concierge Center:● (1) Complete Secure Online Intake Form

(2) Review Mortgage Planning Playbook(3) Gather requested docs for Dan to review(4) Dan & staff review/pre-approve(5) Mortgage Planning Meeting is scheduled(6) Client leaves pre-approved, budget is dialed- in, and well-prepared to win offer!

DR/NURSE Approach

The Anatomy of Your Payment

PRINCIPLEINTERES

TP.M.I.PROPERTY TAXES

HOME OWNER’S INSURANCE

Types of Mortgage Loans

GOV’T – FHA, VA, USDA, STATE BONDCONVENTIONAL/CONFORMING JUMBO - $592,250 and aboveRARE – Rehab 203k/184 Native AmericanCREDIT REPAIR

What Causes Rates To Move?

STOCKS

BONDS

The 4 Parts of A Loan Approval

(4) PROPERTY

The Dynamics of the “Best Rate”

● Credit Score (760+)● Loan Program (30-yr/15-yr, ARM…)● 20% Down (or more)● Discount Points (1%+)● SFR versus Condo (SFR)● Timing: The Market (working with a

professional that knows how the market moves and what indicators to watch to best advise you when to lock)

The DKG Difference

● Tech savvy● Educated/Smart Home Buyer – “Pre-Underwritten” vs. “Pre-

Approved”● Move quickly in a market that rewards efficiency● Proven industry leader (Yelp)● ***Accessible – Big TEAM to cater to my clients & Realtors***● Help approximately 200 families a year● Very competitive rates/LOCAL lender

I will NOT let you down!

When Is the Best Time To Buy?

Home Buying

What’s Next? Let’s chat about

you.

Home Buying

• Private 1-on-1 Half Hour Meetings• No Pressure• Dan will review your credit report with you

Have questions?

Home Buying

If you want to meet but can’t make it to our “office hours”, just shoot a text

to Christian with your name (206-949-3048)