Real Estate Luxury Marketing Buyers Guide by Karloc Paden

SELLER’S presentation

B U Y E R S

P R E S E N T A T I O N

W I T H

K A R L O C

P A D E N

ABOUT KARLOC PADEN PROV E N SU CC E SS . S E RVICE TH AT STANDS O UT! Karloc Paden has been selling real estate since 2007. As a professional Realtor, located in Pierce County, Karloc has established himself as one of PC’s premiere agents. He truly cares about providing the highest level of service and enjoys helping his clients reach their real estate goals.

“In this complicated market, having an advocate you can trust and count on, is priceless.

I am proud to be that resource for many buyers and sellers like yourself. Please read my reviews. I hope it will become evident that I am the real estate agent you are looking for, to represent YOU!” Karloc services Tacoma, Gig Harbor, University Place, Lakewood, Steilacoom, Dupont, Federal Way, Auburn, and many other cities around Pierce, King, and Thurston Counties.

“Having lived in the Northwest since 1995, I can help direct you to most areas you are curious to learn more about. It is my mission to provide an experience that is so positive that you’ll feel the trust, comfort, and confidence in securing a real estate agent for life. I believe that working hard at something you love to do, with people you trust, is one of the greatest experiences in life. As a result, I provide some of the most professional, loyal, and dedicated service in the industry. The best interest of my clients will always come first as I am dedicated to the development of long-term relationships and earning the referrals of the people my clients care most about.”

Karloc helped my wife and I purchase a home while we were living in another state!

He acted in our best interest. Also, he and his team were there every step of the way from purchase agreement details to closing, making sure we understood all stages of a new construction purchase. There were so many details to which his experience was invaluable to us!

- Tommy Jackson

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Testimonials

K A RLOC PA D E N R EA LTO R ®

BUYERS INFORMATION 1. MAKING THE RIGHT CHOICE It is very important to evaluate yourself and your situation to help ensure that buying a home is the right decision for you. I believe in full disclosure and the importance of planning. Some questions you should ask yourself: • What reasons are prompting you to move and what is your preferred timeline?

• Have you been through the pre-approval process? What amount are you approved for?

• When I find the right home for you, are you prepared to make an offer?

2. YOUR LIFESTYLE Deciding on what type of home you want to live in is just as important as deciding on where you want to live. For some, location is everything. For others, home details are everything. It is important that you decide what is most important for you and what type of lifestyle you truly desire.

3. LOCATION, LOCATION, LOCATION. Another important decision during the buying process is proximity to important things such as schools, work, grocery stores, and amenities such as shopping centers, restaurants, parks and recreation centers. These things define your lifestyle choice and are not only necessary, but convenient.

4. WHEN SHOULD I SELL? You should immediately establish your time frame for selling. For many sellers, it is an urgent matter, and for others, not so much. Obviously, serious sellers would like to sell as quickly as possible and for the most amount possible, however, it is good to know what the most effective plan of action is before listing your home. If you need to sell quickly, I can speed up the process by giving you a complete market analysis and action plan to obtain all of your goals. If there is no pressing need to sell immediately, we can meet to thoroughly review the current market conditions and find the most favorable time to for you to sell.

A R E Y O U DE A L IN G WI T H AN EX PER T ?

Did you know that the average agent sells or helps their client buy only 8 homes per year?

Did you know that 45% of real estate agents spend less than $500 per year on training and professional development. These are the facts, so how do you know if your agent is an expert when it comes to helping you buy a home?

M Y C O MMIT ME N T I am committed to finding a home that fits your criteria, from budget, to location to style. I am dedicated to making sure you are paired with a home that works for you and/or your family. Not all available homes for sale may meet every one of your expectations, but I ensure that I will find a home that best suits you and your needs.

MORTGAGE INFORMATION GETTING STARTED You’ve decided you want to buy a home. Now what? The first – and most important step to the home buying process is financing. You can’t do anything until you know how much you can afford. To get started, you need to understand what lenders are looking for from a borrower. There are three main factors that help determine if you qualify for home financing: income, assets, and credit history.

DIFFERENT TYPES OF MORTGAGES: Getting a mortgage is one thing. Getting a mortgage that best suits your situation is another. Some mortgages have less strings attached but have more strict stipulations, while others may be harder to get, but have more flexibility. It is important to have all the information about mortgages available to you before you decide to move forward in the purchase of a home. Find out how I can help you find the mortgage that best suits you.

INCOME & ASSETS Most loan programs require the lender to verify all of your income sources. Typically you will need to provide pay stubs, your W-2 and copies of your tax returns. Lenders will also want to go through your assets and how much of a down payment you will have when determining your loan approval.

CREDIT HISTORY All lenders review a borrower’s credit history to determine the type of credit used, the amount owed, and the borrower’s repayment history.

SALES APPROACH It is important that you use this checklist in order to be well-prepared when buying a home. The last thing you would want to happen is to move into a home without the necessities in life such as electricity, gas, water, or work/school related services such as Internet/phone, etc. Be sure everything is in order to keep things running smoothly during the buying process. If you need assistance, I am always here to lend a helping hand.

II TRUSTED ADVICE II WINDOW OF OPPORTUNITY Sellers often make the mistake of wanting to price their homes high at the start, with the assumption that they can always reduce the price to a more realistic level later on. However, interest peaks when your home is fresh to the market and often declines as time goes on.

YOUR MOVING CHECKLIST UTILITY PROVIDERS • Electricity Providers • Telephone Providers • Water & Sewage • Cable & Internet Providers • Gas Providers

BUSINESS ACCOUNTS • Banking Institutions • Cell Phone Providers • Department Stores • Financial Companies • Credit Card Companies GOVERNMENT INSTITUTIONS • IRS • Post Office • Schools • State Licensing • Library • Veterans Administration INSURANCE COMPANIES • Accidental Insurance • Auto Insurance • Health Insurance • Benefits Provider • Home Insurance • Life Insurance CLUBS & MISCELLANEOUS • Country Club • Health & Fitness Club • Recreation Club • Book Club • Other Club PROFESSIONAL SERVICES • Broker • Accountant • Doctor • Dentist

SEARCHING ONLINE I use the Internet and all online tools to help find your next home. With most buyers checking the web, getting online is the most effective and efficient way to search for homes. My web presence and online network will help me find a home that best suits you!

99% of people search for a home using three main search engines. I make sure to give you the widest possible access on these platforms.

BUYER SEARCH ONLINE! More than half of all homebuyers search online first when looking to purchase a home.

It is vitally important that you are able to view the full range of potential homes to find the one that’s right for you.

|| TRUSTED ADVICE || TOURING HOMES IN PERSON AND ONLINE Some people look at several homes before finding just the right one. And others find “the one” immediately. Thanks to the Internet, you can streamline your search process significantly by checking out homes for sale online. You can visit open houses and preview everything that’s for sale in your market.

YO U R W IS H L IS T Many agents have trouble keeping up with your wish list and many times end up cutting corners when searching for a home that fits your criteria. There is definitely some compromises that sometimes have to be made, but it is my duty to find the ideal home in the ideal neighborhood for an ideal price. Now doesn’t seem ideal?

S TI C K T O T H E S CH ED U LE Now that you have made an offer, you and the seller will be given a timeline to mark every stage in the process of closing the real estate contract. Meeting the requirements on time ensures a smoother flow of negotiations and also ensures that each party involved is not in breach of their agreements. During the process we will keep you constantly updated so you will always be prepared for the next step.

BUYERS PREPARATION You’re ready to buy - or maybe you’re just ready to start seriously thinking about buying. There’s a lot you can do to prepare. With so much information available at your fingertips, you may already be doing a lot of your own research. Here are a few things to keep in mind while you get started.

DETERMINE YOUR PRICE RANGE The best place to start when buying a home is to find out how much house you can afford. I can refer you to a mortgage broker who can assist you with determining how much of a down payment you can afford, comfortable monthly payment, and the type of loan that fits your needs best. Serious buyers who are highly motivated should go through the effort of getting pre-approved; not only will this allow you to focus your home search, but it will also position you as a serious buyer in the eyes of sellers when the time comes to make an offer.

MAKE A LIST AND PRIORITIZE Imagine your ideal home and location. Now make a list of everything you envisioned, take that list and break it down from high to low priority. High-priority items are the things you cannot live without in your new home. (Large Bedrooms, Large Closets, High-end appliances, proximity to amenities and schools, etc.). Lower-priority items are those that are an added bonus, but not necessary. (Jetted-tub, landscaped yard).

S T E P S B UY ER S TAKE WH EN S E A RCH IN G FO R A H O ME INTERNET - 51% REALTOR® - 34% CALL ON YARD SIGN - 4% FRIEND/RELATIVE/NEIGHBOR - 4% OPEN HOUSE - 4% NEW BUILDER - 2% LOCAL NEWSPAPER/MAGAZINE - 1% KNEW THE SELLER - 1%

HOME INSPECTIONS THE PRICE IS NOT ALWAYS RIGHT It is a good idea to make sure what you think you are buying is indeed the property you are buying. It is so important to feel comfortable with your purchase during the home buying experience. Feeling comfortable starts with financing, but then leads into feeling confident that your purchase is sound.

Having a professional home inspector is the way to gain peace of mind. A proper inspection will cover all areas of the house both structurally and mechanically and give you an objective view of the property. A qualified home inspector will also provide you with a written report indicating areas of concern and the estimated cost of repairs.

HERE ARE A FEW HOME INSPECTION TIPS: • Ensure the home inspector checks for visible issues with plumbing, electrical systems, roof, insulation, walls, ceilings, floors and windows, and the condition of the foundation.

• Ensure your home inspector gives you a close and personal look at your new home. It takes about three hours to go through all the systems, and if there are any problems, you will see them with your own eyes. They will also give you maintenance tips and easy fixups, if necessary.

• Ensure that in the end, you receive a detailed report that summarizes the condition of your home.

TESTIMONIALS “Karloc is a phenomenal agent! He is responsive and very knowledgeable. He always makes the process of either buying or selling very easy and enjoyable. I’ve worked with Karloc on several real estate transactions and he continues to exceed my expectations each and every time. Thank you Karloc for your expertise, guidance, and professionalism.”

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ERI K F E RMSTAD

“Karloc recently listed my house for sale. His professionalism and communication skills were outstanding, keeping me informed throughout the process. He had fresh ideas for staging and gave honest opinions when needed. He handled what could have been difficult situations with compassion and ease. When the time comes for me to buy again, I’ll be working with Karloc. I know he’ll listen, have great ideas, and work hard to find the next place I call home. Whether you’re buying or selling, I highly recommend Karloc.”

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KA RI L E GRES LEY

“We had been trying to sell a particular property for a couple of years. Several other realtors had “taken a shot” at selling this “one of a kind” piece of property, with high-bank, but with 60 feet of Puget Sound beach frontage and ample building space above. Nevertheless, it had not sold. We offered the opportunity to Karloc and within weeks (few) he had several buyers bidding on our property and today the sale has been recorded. Easily less than a month from his start to today, just short of phenomenal!!!! Karloc was informative, helpful, innovative, open to our questions and ideas. To me, it is no wonder that he is one of the TOP sales agents around! Thank You, Karloc.”

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G A RY C

“We owe Karloc many thanks for helping us sell our home. As our agent, we found him to be very knowledgeable and extremely helpful. During this process, he answered our many questions, offered excellent suggestions, and good advice. As a result, our house sold quickly for the full asking price. If you are looking for someone to represent you in selling your home, Karloc has our highest recommendation for his honesty and communication with his clients.”

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SUSA N LAY AND ROBERT R A FT E RY

“Karloc was thorough, tenacious, and was genuinely concerned about our purchase and looked out for our interests with this transaction. He was always available and responsive. I will be using Karloc in the future and strongly recommend his services.”

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JERRY ANDERS ON

K A RLOC PA D E N RE A LTO R ®

THANK YOU FOR THE OPPORTUNITY

SELLER’S presentation

K A R LO C PA D E N Realtor

2 5 3 . 2 9 7. 8 7 5 7 RE/MAX NORTHWEST karlocpaden@gmail.com