Powerful TechnologyPowerful Technology ●● Proven SystemsProven Systems ●● Successful ResultsSuccessful Results

F o r O u r H o m e S e l l e r

The Quality Service Guarantee is your written commitmentassuring the delivery of all of the services described below.

As your representative I will:

Present agency representation alternatives for you and the home buyers.

Deliver a Competitive or Comparative Market Analysis to assist in developing a pricing strategy.

Create and present a detailed, written marketing plan including specific strategies, programs and buyer targets.

Recommend property merchandising and enhancements to maximize marketability.

Provide a written estimate of seller expenses and proceeds.

Review your property history and disclosure statement and deliver it to each prospective buyer.

Commit to regular communication including prospect and market feedback.

Promote property through advertising, direct marketing, industry networking and the Internet as discussed .

Provide counsel and negotiating assistance on all offers to purchase.

Forward to you financial information as provided by the buyer, and will make every effort to have each pre-

qualified or pre-approved with a lender.

Monitor and communicate the status and satisfaction of contract contingencies.

Offer home purchase assistance, referral services and access to community and property information.

Attend the closing or escrow (in those states where this is customary).

Contact you and follow-up after closing to assure the satisfactory completion of all service details.

Provide you with the opportunity to evaluate the service provided the Pinnacle Service Survey Process.

_________________________________________ __________Signature Date

_________________________________________ __________Signature Date

Our Q ua l i ty Ser v ice Commitment

e are very excited and look forward to assisting you in selling your home in the

greater Jacksonville area. We love it here and also love helping sellers sell and buyers

find their new home! Please take the time to look through your Exclusive Sellers

booklet and folder.

This package was designed to equip you with all the necessary information in order to

simplify and streamline this sometimes complicated process. Also to ensure a successful

selling experience we are committed to setting expectations, standards, and partnering

with you from day one. We truly believe that an educated consumer is the very best

customer to serve!

Kim Knapp CEO Team KnappColdwell Banker Vanguard CBFounder Real Dynamic Agents & Real Giving Project

S e l l i n g w i t h Te a m K n a p p

Born and raised in the Midwest (Danville, Illinois) I learned hard work at a young age. Being the oldest of 6children learning to be responsible was not an option. At the same time growing up in a small town my memoriesare grand. Great friends and great times. When I moved to Upstate NY I met my husband of 21 years working forDelco. We both worked there until it was time for Tom to retire and here we are, sunny Florida!

With the help of a team I have built a remarkable referral base and created innovative outreach programs inthe community that encourage a symbiotic relationship between the real estate community and the neighborhoodsthey serve. These efforts have helped land the team in the top ten REALTORS in Jacksonville year after year.

From the very first year I was blessed to be a top producer . What did I learn? That old fashioned hard work,networking with fellow professionals and most importantly - remembering that if my customers had a remarkableexperience they would refer me to friends and family is what makes a real estate professional successful.

Welcome to the wonderful world of real estate!

This is a very exciting time and we want you to feel comfortable and knowledgeablethroughout the entire process.

I will listen to your needs, keep you informed, help you through the negotiation process,and ensure you achieve the most marketable price for your home. I welcome you tocommunicate your feelings to me. After closing I will still be there to assist you ifneeded.

Thank you for choosing Team Knapp to help you with one of yourmost valuable assets! We hope you will be so pleased with theexperience that you will want to refer us to your friends and family!

Kim KnappRealtor

Kim@TeamKnapp.com904.334.7425

About Kim...

Meet My TeamAs a top Realtor, I don’t work alone! I have a whole team of people working

with me that have your best interests at heart!

Sara GallowayPersonal Assistant / Office ManagerSara@TeamKnapp.com904.637.0285

Sara has been with Team Knapp for over 8 years. An active duty Navy wife, Sara appreciates thedefinition of the word relocate. A mother of 3 and having survived several deployments, Sara

adds a wealth of knowledge and understanding to the team. A background of working in Attorney’s officesSara knows the in’s and out of getting a job done. From start to finish with her task oriented strengths Saramakes sure that each seller is taken care of and every effort is made to meet the customer’s needs.

Regina (Regi) KloostermanMarketing Coordination SpecialistRegina@TeamKnapp.com904.637.0377

Regi has been in the real estate industry in one form or another since 1996 and is on top ofthe latest technology. As Team Knapp’s Listing Services & Marketing Coordinator, Regi keeps

all the little details straight for the listings. She creates the marketing materials for our team, performsdatabase management and takes on special projects as needed.

Showing Desk CoordinatorsThe Coldwell Banker Vanguard staff is available 7 days aweek to schedule showings on your home.

Judy RountreeContract to CloseJudyR@vanguardcb.com904.637.0896

Judy has been with Coldwell Banker since 2002 and attended Real Estate School in bothFlorida & Georgia. She knows just what it takes to assist you in getting to the closing table!

When Judy isn’t at the office she enjoys spending time with her wonderful family which includes her husband,3 children & 2 grandchildren who are her passion along with her dog, Millie & silly Siamese cat, Dexter. Judyalso enjoys working in the nursery at her church as well as other volunteer work there.

Less than 4% of all Real Estate Agents worldwide are CRS designated

Kim Knapp, REALTOR®, CRS904.334.7425

Kim@TeamKnapp.com

Buying real estate is a complex matter at the best of times, given thatthere are so many factors to consider and no two homes or transactionsare alike. However, with all the unique opportunities and potential pitfallsof the current market, it’s even more important for you to choose aRealtor® that can guide you through the property search, financing,negotiation and transaction processes, who knows the local market andhas the experience and track record to back it up.

Choose one of the Top Agents in the Country.

Kim Knapp was named one of the top 1000 National Agents, by the Wall StreetJournal and REAL Trends ~ Best Real Estate Agents in America in the 2013national ranking report produced by Real Trend and has been nominated for the 2014report.

"I am very honored to be on thislist. It really represents theattention we place on customerservice. You cannot achieve theconsistent level of sales we haveover the years without a customerfocused business."

S e l l i n g Yo u r H o m e i s a C o m p l e x P r o c e s s

From specialized marketing to financing and the actual closing of the transaction,we provide Pinnacle Service® every step of the way.

We D o m i n a t e t h e M a r ke t

Over93%

of recent US homebuyers say they usedthe Internet in their

home search and one-third say they rst sawtheir new home on a

real estate search site.Those statistics made

us choose to coverevery channel out

there! From EnhancedShowcase Listings on

Realtor.com toPremium Listings on

Trulia.comto placement on

dozens and dozens ofother search sites… we

work the web to getthe buyers in your

door. Plus, we haveTWO designated

YouTube channelsgiving buyers

immediate access toview a video of your

property.

T h e M o s t Po w e r f u l M a r ke t i n g t o o l fo ry o u r h o m e i s t h e I n t e r n e t

K n o w i n g h o w t o u s e i t i s t h e K e y !

* 8 8 % o f b u y e r s b e g i n t h e i r h o m es e a r c h O n - l i n e .

* 9 1 % o f t h o s e b u y e r s u s e a Re a l t o r ® t oc o m p l e t e t h e i r h o m e p u r c h a s e a s d o

7 0 % o f n o n - i n t e r n e t u s e r s .

On-Line Market ing

On-Line Market ing

Price i t Right ~ The First Time

DAYS ON MARKETMany sellers think that an overpriced property can simply be reduced if it doesn’t sell. The danger withthis approach is that by the time the property is nally reduced to market value, it may have been onthe market so long that buyers perceive it to be a tainted property. Buyers then question how long thehome has been on the market and why it hasn’t sold.

Their offer to purchase, based on that knowledge, may be below its actual value. As real estateprofessionals, we use market research to arrive at an initial price that is both realistic and fair to you asthe seller, but also attractive to buyers.

Best Price = Best Position

Knowing how to Take Advantage of the Selling Cycle

What is a Short Sale?

A short sale in real estate is not always a pleasant transaction.

There are many ways to lose a home but signing away ownership in a manner that destroys credit, embarrass-es the family and strips an owner of dignity is one of the hardest. For owners who can no longer afford to keepmortgage payments current, there are alternatives to bankruptcy or foreclosure proceedings. One ofthose options is called a "short sale."

When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amountdue. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financialsense to foreclose; moreover, not all sellers nor all properties qualify for short sales.

If you are considering buying a short sale, there could be drawbacks. For your protection, I suggest that allborrowers:

Obtain legal advice from a competent real estate lawyer Call an accountant to discuss short sale tax ramifications

As a real estate agent, I am not licensed as a lawyer nor a CPA and cannot advise on thoseconsequences. Except for certain conditions pursuant to the Mortgage Forgiveness DebtRelief Act of 2007, be aware the I.R.S. could consider debt forgiveness as income, andthere is no guarantee that a lender who accepts a short sale will not legally pursue a bor-rower for the difference between the amount owed and the amount paid. In some states, thisamount is known as a deficiency. A lawyer can determine whether your loan qualifies for a

deficiency judgment or claim.

Although all lenders have varying requirements and may demand that a borrower submit a wide array of doc-umentation, the following steps will give you a pretty good idea of what to expect.

Call the LenderYou may need to make a half dozen phone calls before you find the person responsible for handling shortsales. You do not want to talk to the "real estate short sale" or "work out" department, you want the super-visor's name, the name of the individual capable of making a decision.

Submit Letter of AuthorizationLenders typically do not want to disclose any of your personal information without written authorizationto do so. If you are working with a real estate agent, closing agent, title company or lawyer, you will re-ceive better cooperation if you write a letter to the lender giving the lender permission to talk with thosespecific interested parties about your loan. The letter should include the following:

Property Address

Loan Reference Number Your Name The Date Your Agent's Name & Contact Information

Preliminary Net SheetThis is an estimated closing statement that shows the sales price you expect to receive and all the costs ofsale, unpaid loan balances, outstanding payments due and late fees, including real estate commissions, ifany. Your closing agent or lawyer should be able to prepare this for you, if you do not know how tocalculate any of these fees. If the bottom line shows cash to the seller, you will probably not need a shortsale.

Hardship LetterThe sadder, the better. This statement of facts describes how you got into this financial bind and makes aplea to the lender to accept less than full payment. Lenders are not inhumane and can understand ifyou lost your job, were hospitalized or a truck ran over your entire family, but lenders are not particularlyempathetic to situations involving dishonesty or criminal behavior.

Proof of Income and AssetsIt is best to be truthful and honest about your financial situation and disclose assets. Lenders will want to knowif you have savings accounts, money market accounts, stocks or bonds, negotiable instruments, cash or otherreal estate or anything of tangible value. Lenders are not in the charity business and often require assurancethat the debtor cannot pay back any of the debt that it is forgiving.

Copies of Bank StatementsIf your bank statements reflect unaccountable deposits, large cash withdrawals or an unusual number ofchecks, it's probably a good idea to explain each of those line items to the lender. In addition, the lendermight want you to account for each and every deposit so it can determine whether deposits will continue.

Comparative Market AnalysisSometimes markets decline and property values fall. If this is part of the reason that you cannot sell yourhome for enough to pay off the lender, this fact should be substantiated for the lender through acomparative market analysis (CMA). Your real estate agent can prepare a CMA for you, whichwill show prices of similar homes:

Active on the market Pending sales Solds from the past six months.

Purchase Agreement & Listing AgreementWhen you reach an agreement to sell with a prospective purchaser, the lender will want a copy of the offer,along with a copy of your listing agreement. Be prepared for the lender to renegotiate commissions and torefuse to pay for certain items such as home protection plans or termite inspections.

Now, if everything goes well, the lender will approve your short sale. As part of the

negotiation, you might ask that the lender not report adverse credit to the credit reporting

agencies, but realize that the lender is under no obligation to accommodate this request. Credit

report status is not always negotiable.

Do you need to sell your home and:You have no money for closing costs?You have no money for commissions?Have experienced a Hardship?You owe more than your home is worth?You are facing Foreclosure?

If you are facing issues like these, you owe it to yourself to find out what your real options are!I am a professional Realtor with specialized training and experience in creating solutions for people in thesetypes of situations. Before you give up, or worse, allow someone to lead you down the wrong path, allow meto analyze your situation.

You have rights: KNOW THEM! You have options: LEARN THEM!

The services I can offer you include:

Access to investors who are able to pay cash for your property Referral services and information regarding loan work out programs Region-wide listing and marketing of your property for sale to the general public in order to obtain the

highest sales price possible Negotiation with lenders when you owe more than the true value of your house (a short sale) Complimentary market analysis of property value

I understand time is of the essence during these coming weeks and I am prepared to work diligently at helpingyou choose which plan of action to take.

Please contact me at 904.514.4609 to arrange a time for us to meet. I look forward to helping you resolve thischallenging situation you’re experiencing, by creating options personalized to your current unique situation!

Sincerely,

Kim KnappTeamKnapp.com

PS. Don’t hesitate to call on me with any questions you may have. There aresolutions for every situation!

Short Sale & Pre-foreclosure Specialists

This is the number one factor in the sale of your home. Oursales and marketing program provides exposure to a large seg-ment of potential buyers. The actual market value is then deter-mined by what a buyer is willing to pay.

The second most important factor in the buyer’s mind is location.The proximity to area amenities and schools is typically a con-cern. In addition, street traffic, proximity to expressways andpublic transportation are considerations.

Buyers look at the structural and mechanical integrity as well asthe upkeep and cosmetic appeal of a property. Neutral décor,including floor and wall covering, appliances and fixtures, offerthe broadest appeal to potential buyers.

Interest rates, competition from other properties, the economyand consumer confidence all influence the sale of your home.Each of these factors is beyond our control, so we must respondto these conditions with the appropriate marketing and price con-siderations.

The terms of a sale can make or break the contract. House salecontingencies, closing dates, and exclusions of accessories or fix-tures should always be handled clearly up front in order to avoidany confusion that could affect the sale.

Five Cr i t ical Elements of a Sale

Appraisals provide an objective opinion of value, but it’s not an exact science soappraisals may differ.

For buying and selling purposes, appraisals are usually based on market value —what the property could probably be sold for. Other types of valueinclude insurance value, replacement value, and assessed value for property taxpurposes.

Appraised value is not a constant number. Changes in market conditions candramatically alter appraised value.

Appraised value doesn’t take into account special considerations, like the need tosell rapidly.

Lenders usually use either the appraised value or the sale price, whichever is less,to determine the amount of the mortgage they will offer.

What is Appraised Value?

Performance Matters

Local Market ExperienceLocal Market ExperienceLocal Market ExperienceCuttingCuttingCutting---edge Technologyedge Technologyedge TechnologyStrong Negotiation SkillsStrong Negotiation SkillsStrong Negotiation Skills

Understands Current Market ConditionsUnderstands Current Market ConditionsUnderstands Current Market Conditions

While we host the most innovative sales and marketing tools in the industry, wenever forget that the most important tool is the ability to listen carefully andcommunicate fully.

At Coldwell Banker Vanguard Realty we know your home is one of your mostvaluable assets and we will treat it accordingly. With respect for your needs, keenattention to property details and exceptional marketing we vow to provide youthe pinnacle of real estate service.

Coldwell Banker Vanguard Realty serves all of Duval, Clay and Northern St. JohnsCounties. We are the number one ColdwellBanker® afliate in the entire state ofFlorida. In addition, we are a partner withCartus, the largest relocation network inthe country, this gives us access to buyersfrom all over the fty states that are movinginto our region and searching for theperfect home. Maybe it’s yours!

Positioning your property to sell for themost the market will bear in a timelyfashion requires an agent who has:

1. Remove clutter and clear off counters. Throw out stacks of newspapers and magazines and stow away most of your smalldecorative items. Put excess furniture in storage, and remove out-of-season clothing items that are cramping closet space. Don’t forgetto clean out the garage, too. Remove anything with eyes, i.e., pictures, magnets, nic-nacs, etc. - it’s hard for a buyer to picturethemselves when they see other faces everywhere.

2. Wash your windows and screens. This will help get more light into the interior of the home.

3. Keep everything extra clean. A clean house will make a strong first impression and send a message to buyers that the home hasbeen well-cared for. Wash fingerprints from light switch plates, mop and wax floors, and clean the stove and refrigerator. Polish yourdoorknobs and address numbers. It’s worth hiring a cleaning service if you can afford it.

4. Get rid of smells. Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. Open the windows to air out thehouse. Potpourri or scented candles will help.

5. Brighten your rooms. Put higher wattage bulbs in light fixtures to brighten up rooms. Replace any burned-out bulbs in closets.Clean the walls, or better yet, brush on a fresh coat of neutral color paint.

6. Don’t disregard minor repairs. Small problems such as sticky doors, torn screens, cracked caulking, or a dripping faucet mayseem trivial, but they’ll give buyers the impression that the house isn’t well-maintained.

7. Tidy your yard. Cut the grass, rake the leaves, add new mulch, trim the bushes, edge the walkways, and clean the gutters. Foradded curb appeal, place a pot of bright flowers near the entryway.

8. Patch holes. Repair any holes in your driveway and reapply sealant, if applicable.

9. Add a touch of color in the living room. A colored afghan or throw on the couch will jazz up a dull room. Buy new accentpillows for the sofa.

10. Buy a flowering plant and put it near a window you pass by frequently.

11. Make centerpieces for your tables. Use brightly colored fruit or flowers.

12. Set the scene. Set the table with fancy dishes and candles, and create other vignettes throughout the home to help buyers pictureliving there. For example, in the family room you might display a chess game in progress.

13. Replace heavy curtains with sheer ones that let in more light. Show off the view if you have one.

14. Accentuate the fireplace. Lay fresh logs in the fireplace or put a basket of flowers there if it’s not in use.

15. Make the bathrooms feel luxurious. Put away those old towels and toothbrushes. When buyers enter your bathroom, they shouldfeel pampered. Add a new shower curtain, new towels, and fancy guest soaps. Make sure your personal toiletry items are out of sight.

16. Send your pets to a neighbor or take them outside. If that’s not possible, crate them or confine them to one room and let thereal estate practitioner know where they’ll be to eliminate surprises.

17. Lock up valuables, jewelry, and money. While a real estate salesperson will be on site during the showing or open house, it’simpossible to watch everyone all the time.

18. Leave the home. It’s usually best if the sellers are not at home. It’s awkward for prospective buyers to look in your closetsand express their opinions of your home with you there.

19. Leave the lights on!

Simple Tips for Better Home Showings

First Impressions Are Lasting!

When Potential buyers approach in their cars, they make their first decision; whether or not to STOPand look inside. Therefore, a neat, attractive yard entices a buyer to view your house. Please carefullyevaluate every aspect of the property’s exterior and the interior as well.

A Few Suggestions for the Exterior: Keep your yard mowed, raked, fertilized, and watered. Remove all toys, bicycles, tools, unsighly patio furniture, trash items, debris, etc., from your yard. Trees and shrubs should be pruned and trimmed. Lawns and gardens should be weeded regularly. All hoses and garden equipment should be out of sight. Outdoor furniture should be kept clean and/or repainted if needed. Stack firewood out of sight. Walkways and driveways should be clear of debris. Make sure that walkways, driveways, and curbsides

are trimmed with edge trimmers. Paint your mailbox if needed. Ensure that your street number is legible. Ensure that the doorbell is in good working order. Make sure that all entrance doors - front, storm and screen - are in excellent condition. If not, replace

them if possible. Again, this is the firt impression the buyer will have of the property. Lighting and clean-liness are especially important.

A Few Other Suggestions for the Interior: Completely “declutter” the house. Pick up unnessary items from counters, floors, and stairs. Remove all smoke, pet, and hobby odors from the property. Clean all ight bulbs, light fixtures, and chandeliers sos that the property is brighter. Vacuum and shampoo all carpets. If the carpet does not clean up well, you may want to consider replac-

ing it. Use a neutral color, or remove the carpt if hardwood floors underneath are in good condition. Remove any posters and adhesives from walls and doors. Putty and paint any holes that result from nails

or other mishaps. Clean or paint the baseboards in every room. Remove all cobwebs. Repair or replace broken tiles on walls or floors in showers.

Put Your Property’s Best Face Forward!CLEAN ⟡CLEAN ⟡CLEAN

Our Service Speaks for It self . . .

. . . and then some

. . . and then some more

Real Estate Premier Service®Highest Customer Satisfaction in the Real Estate Industry

How would your real estate experience improve if you had a skilled professional guiding and advisingyou every step of the way? All too often, customer service programs are created in cushy conferencerooms, far removed from the people for whom the programs are designed. Those efforts often miss themark because they aren't drawn from the group that matters most: the customers.

But with Premier Service, Vanguard Realty's comprehensive business philosophy, we've gone right tothe source. You've told us that buying and selling a home can be stressful, time-consuming andsometimes overwhelming. We want to change that. The Premier Service pledge of service excellencemeans that Vanguard Realty's professional team of Sales Associates assumes three important roles:

Trusted Advisor

With specialized knowledge and extensive training, Vanguard Realty's Sales Associates will help younavigate your home buying and selling process. We will listen to your goals, and recommend ways tohelp you achieve them.

Skilled Negotiator

The real estate process requires negotiation of complex issues; we are committed to working in yourbest interests. We will help you secure the best possible price, with the most favorable terms, in theshortest period of time.

Expert Facilitator

We will work to ensure your purchase or sale stays on track and on time. You will receive outstandingcustomer service, our professional expertise, and be offered other services that can help enhance yourresult - far beyond the transaction itself.

Team Knapp ~ Platinum 100% Customer Service Satisfaction Rating 2004-2008

Team Knapp ~ Pinnacle 100% Customer Service Satisfaction Rating 2008-2011

Pinnacle Customer Service Results

Notes & Questions

Let’s Get Started!

So You Can ~ Start Packing!

904.334.7425904.334.7425TeamKnapp.comTeamKnapp.com

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