Your Personal Homefinding Guide

Prepared by:

The Sam Massey TeamSam Massey,, ASR,CSR,ABR,ALHSRealtorPrudential Fox and Roach REALTORS®653 Skippack Pike, Suite 200Blue Bell, PA 19422(215)542-2200

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What I Will Do for YouAs your Prudential Fox & Roach Buyer Agent, I won’t just help you

find your home. I will help make your dreams come true.

About Me

As your Buyer Agent,Here’s our guarantee to you…

I will not just facilitate the purchase of your home.

I will create value for you. Here’s how…

• I will negotiate from a position

of strength

• I will help you navigate the mortgage and settlement processes.

To sum up, I will help you

find your perfect home.

• I will help you identify your

new home needs.

• I will represent you in every way.

• I will connect you instantly to

late-breaking information.

• I will bring to bear our

company’s market leadership

on your behalf.

About Me Think of me as your single

source of information.

I have access to virtually every property for sale in this market.

To save time and to not duplicate efforts,

call me for any information

about any homes you might see…

• Advertised in newspapers or buyers’ guides

• On the Internet

• Open houses

• Displaying “For Sale” signs

What My Company Will Do for You

Prudential Fox & Roach is not only the region’s Market Leader, but we have a powerful connection to the world’s outstanding real estate network. It’s an unparalleled combination of professionals and resources to help you find the home of your dreams.

What my company will do for you.(The power of market leadership)

MyCompany

#1 Real estate company in the Region

#1 Single-market real estate company in the United States

#1 Franchise Member in the United States of Prudential Real Estate Affiliates, Inc.

3,750 Sales Associates in the Market

57 Offices in Pennsylvania, New Jersey and Delaware

It’s time for a few Real Estate Reality Checks:

It may be a good time to move up to a bigger home.

When you sell your home, you might get less then you would have two years ago. But given the selection and the prices today, chances are good you might just get a lot of house for the money. For a net gain.

Our region is doing better than other parts of the country.

This region is economically stable. And it’s still growing. Ours is a diverse economic base and job growth is expected to continue.

It might not make sense to “wait out” the real estate market.

We won’t know whether the market has hit bottom until after it has. If you wait until then, a pent-up demand will have been created. And you

might have waited too long.

In a recent study, 72% of homebuyers and homesellers said they think this is a good time to buy a home. Here are some reasons for that optimism…

CSX TransportationData Systems Analysts, Inc.David’s BridalDecision Onedelage landenDelaware Investment AdvisoryE.I. DupontErnst & YoungFMCFranklin MintGE CapitalGlaxo Smith KlineHome DepotING BankISIIndependence Blue Cross/Blue ShieldInter Digital CommunicationsJP MorganJohnson & JohnsonKendall ConfabL-3 CorporationLippincott, Williams & WilkinsLockheed MartinLongshore Simmons

Our major relocation effortscan be a major benefit for you.

No Realtor does a better job at connecting with the relocation market than Prudential Fox& Roach. Here is a sampling of organizations currently serviced by our Relocation Division:

AETAdolorAmerican Red CrossAmeriSourceBergenAmertekAstra ZenecaAstro PowerAtofina ChemicalsBTGBankers Trust – DEBoeingBooz Allen HamiltonBritish EnergyBurlington CoatCampbell SoupCGUCIBA Specialty ChemicalsCatholic Health EastCertainteed/St. GobainChase Manhattan of DEChildren’s Hospital of PhiladelphiaChubb InsuranceCigna CompaniesCommerce Bank

LowesMarriott CorporationMBNAMcDonald’s CorporationMerckMerrill LynchMobil OilMorgan Stanley Dean WitterMotorolaNabiscoNeose TechnologyNycomedOkidataPNCPSE&GPegasus CommunicationsPenn EngineeringPenn Mutual InsurancePhiladelphia InquirerPhiladelphia NewspapersPin Point Inc.Rodel, Inc.Rowan UniversitySCT

SanofiShire Pharmaceutical SchlumbergerSarnoffSuburu of AmericaSynthesTemple UniversityTeva PharmaceuticalThe Bank of New York – DEThe Wharton School of BusinessThomas Jefferson UniversityTyco HealthcareUnisysUniversity of PennsylvaniaValero RefineryVanguardVertical NetVisteronWilliams Scotsman, Inc.W L GoreWorld Gate Communications

No other real estate company has the regional power or

resources to help you find your home than

Prudential Fox & Roach.

We Will Help You Realize Your Dream

Looking Ahead to the Homefinding Process.

The following will help identify how finding and buying a home can be an enjoyable experience for you.

1. How far along are you in the homefinding process?

2. Why are you contemplating the purchase of a home at this time?

3. What is your time frame?

4. Who will be included in the decisions?

5. Have you ever purchased a home before?

6. Thinking of previous homefinding experiences, what were the most positive features of those experiences?

7. Were there any unpleasant features of your previous homefinding experiences that you hope to avoid?

8. How do you plan to handle the financing of your new home?

9. What are your expectations of me?

Let’s Define Your Ideal Home

The following questions can help define the things that are most important to you in your ideal home and neighborhood.

1.What does “home” mean to you?

2.Who will be living in your household?

3.What would your consider a comfortable commute (in time or distance)

4.What are the most important activities for the members of your household? For example, hobbies, recreation, school, entertaining, religious or cultural activities.

5.What are one or more features you liked most about your previous homes?

6.What is something you disliked about your previous house or neighborhood?

7.What are the most important “must have” features of your ideal home and neighborhood?

Of the thousands of real estate web sites out there, one site,

prufoxroach.com, rocks!

We have made it our mission to ask home buyers whatthey want on a web site. And then give it to them.

Never has so much home buying data been available to so many home buyers

On prufoxroach.com you’ll find…

• a slide show with multiple full-color photographs on all

our listings

•map and directions

•neighborhood and school information

•mortgage calculator based on listing price

•buyers can print a flyer, schedule a showing, even get

mortgage pre-approval

Your needs come first.

It will help us meet your expectations if, together, we can identify your needs.

•What are the values, interests and priorities you want this move to

support?

•What features are you looking for in a home?

•How can a neighborhood best match your needs and lifestyle?

•How can we tailor the homefinding process to fit your plans?

•What kind of support do you expect to receive from me?

The Homefinding Process – Here It Is: Described and Demystified.

It’s the adventure of a lifetime! With my expertise and my company’s resources we can navigate it with the maximum of skill and the minimum of stress.

How to look at homes.

•We will select those properties that most closely meet your unique needs and interests.

•It is best to preview only a few homes at a time.

•Identifying up-front what is affordable will save time and frustration.

•We will schedule time to look at homes and neighborhoods. I will arrange showingappointments with the sellers or their brokers.

•If the seller or their real estate professional is at the property when we are there, it would bebest for you to limit your conversation with them.

•I will ask you to tell me your thoughts about each property you see – positives andnegatives. We will continue to assess your needs and buying criteria as we go along.

The Homefinding Process

Finding and Buying a Home.

The homefinding process typically includes many of these elements.

I will be your resource and guide every step of the way.

Initial ConsultationFind the Right H

ome

Prepare an offerO

btain FinancingReach an Agreem

ent

with Seller

Complete the

Settlement Process

Move In

Completing Your Home Purchase.

…explain all the steps that will occur, and answer any questions.

…work with the seller’s broker to see that they fulfill their responsibilities under the contract.

…stay in touch with the settlement officer, title officer, lender and all others to coordinate their activities and keep things moving.

…communicate with you on a regular basis.

I will work closely with everyone involved to help make sure everything moves ahead as smoothly as possible. I will…

Important ways to protect your interests:

•A written property disclosure statement

from the seller

•Professional inspections

•A home warranty

•A preliminary title report

•A walk-through before closing

Submitting an offer:

•We’ll determine the price you want to offer.

•We’ll decide on financing.

•We’ll consider other issues that are important to you, such as:

–Items of personal property you’d like included with the property

–Warranty, inspections, repairs or other enhancements by the seller

–Closing date and date of possession

•I will present your offer.

•Once you have reached agreement with the seller, you have a firm contract!

Once you have found the right home, the next step is to make a purchase offer to the seller. It’s a big step. Here are a few considerations we’ll discuss together…

A smooth transition to your new home

4 weeks before your move•Contact/contract with moving company•Have school records transferred•Transfer medical, dental and other records•Transfer homeowners and auto insurance•Keep track of moving-related/tax deductible expenses

3 weeks before your move•Change-of-address cards to the post office, subscriptions, credit card companies, etc.

2 weeks before your move•Arrange for final utility reading•Close or transfer bank accounts•Terminate newspaper delivery service•Arrange for transfer of vehicle/driver’s licenses•Get prescription meds for the next four weeks•Schedule a final walk-through of the property

The week of your move•Keep financial records/personal papers with

you; don’t pack them with your household goods•On closing day, the home purchase documents are recorded and the home is yours

•Move in!

After you move in•Consider plans for landscaping design,installation and maintenance

•Review home security requirements and systems

•New home furnishings, appliances, and interiordécor will help make the house your home

Enjoy your new home!

Knowledge Is Power. Here Are the Financial Facts You Need to Know.Let me help you through the minefield of rumors and urban legends. I can tell you this much: if you have good credit, I will help you find your financing.

Financing your home purchase: a few simple truths…

FinancingYour Home

•Being approved for a loan before you submit an offer will put you in a stronger negotiating position and can save time in the loan approval process.•I can put you in touch with experienced loan officers at leading mortgage companies. Your loan officer will be your principal guide through the financing process.

•Various financing options may be available to you, including:

•You can expect the lender to ask for standard information regarding your income, expenses and obligations.

–Fixed Rate Mortgage

–Adjustable Rate Mortgage (ARM)

–Government-assisted (FHA or VA) financing

–Seller-assisted financing

How to protect yourself from unexpected repair costs

Whether you’re buying or selling, HSA Home Warranty protection is one of the most important features of your home.

As A Buyer

You’re prepared for the unexpected.

You save yourself time. You keep it simple.

The HSA Home Warranty is renewable.

As A Seller

You’re protected while your home is on the market.

You have a marketing edge.

You’re helping prevent post-settlement disputes.

We Provide Everything Home Buyers Need. Right Here.

Right Now.

Our Trident Group offers you everything you need, right here, right now.

Mortgage financing, Settlement services, Insurance.

They’re all yours under the Prudential Fox & Roach/Trident Group corporate umbrella.

Services

Secure your mortgage with Trident Mortgage Company.

Streamline your settlement with Trident Land Transfer Company.

Insure your investment with Trident Insurance Agency.

Our HOMEssentials arewin-win services for buyers and sellers

Buyers love knowing they can take advantage of them.And sellers love that we can offer them on your behalf.

Connection Services

Home Warranty

Longer-Term Services

Moving Companies

Network of Contractors

Let us set up any or all of your utilities.

We’ll extend a warranty for your home’s major systems for the length of the sale period. Then, your buyer can extend the warranty.

Whether it’s a minor repair or a major addition, we have a network of contracting professionals and firms we’ll share with you.

Home security systems, car rentals, long distance telephone and internet service firms, to name a few.

We’ll put you in touch with dependable van line companies.

So, let’s get started!

I know that with my expertise and my Company’s resources behind me,I can exceed your expectations.I’d love the chance to prove it.

Sam Massey