The Charles Nedder Team Buyers Guide

SELLER’S presentation

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MEET THE CHARLES NEDDER TEAM The Charles Nedder Team of Coldwell Banker Realty is consistently ranked as top producers in the Greenwich, Connecticut and Global markets, with award wining tenure, including the distinction in the Coldwell Banker Society of Excellence, among the top 1% agents worldwide.

Enthusiastic and well-resourced, true real estate advisors, with a client list of over 18,000, client care specialist, listing concierge, design concierge, growth advisor and a sales coach all working for your success.

Custom systems with technology, reaching local, national and international buyers, with modern marketing. Beyond the point of sale, The Charles Nedder Team will remain your reliable consultants and management advisors, supporting long-term client relationships.

Real Estate isn’t just their occupation, it’s their lifestyle with an affinity to the profession and the community, helping sellers, like you, succeed.

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CHARLES NEDDER TEAM

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. We 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 we 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.

THE CH ARLES NEDDER T EAM Bu ye rs G u ide s

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?

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O U R C O MMIT MEN T We are committed to finding a home that fits your criteria, from budget, to location to style. We are 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 we ensure we will find a home that best suits you and your needs.

THE CH ARLES NEDDER T EAM Bu ye rs G u ide s

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 we 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.

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THE OFFER PROCESS NEGOTIATING THE RIGHT WAY We take the ethical responsibility of fairly negotiating contractual terms very seriously. It is our job to find a win-win agreement that is beneficial to all parties involved. You may even have to deal with multiple offers, so make sure that yours is strong if you really want the home. As your agents, we will guarantee a thorough and objective assessment of the home’s true value to help you make the right choice.

THE INITIAL AGREEMENT AND DEPOSIT An effective agreement is a legal arrangement between a potential purchaser and the property’s seller. Laws vary, but in order to be a legally binding agreement, the agreement may require consideration. This consideration (initial and additional deposit) is to be held in trust pending the fulfillment of conditions or contingencies in the effective agreement.

THE CH ARLES NEDDER T EAM Bu ye rs G u ide s

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.

BEST OF AWARDS B E ST O F Z I L LOW As the most-visited real estate website in the United States, Zillow and its affiliates offer customers the best on-demand services and accurate connections with the best agents and brokers.

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The Charles Nedder Team has obtained “Best of Zillow” status, which means they’re recognized as one of Zillow’s Premiere Agents and Teams.

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Best of Zillow status is awarded to top-performing Zillow Premier Agent partners with proven track records of exceptional performance, customer experience and operational readiness. Agents can monitor their progress with the Best of Zillow report, a performance snapshot with insights into conversion metrics, targeted resourcesand more.

Everyone at the The Charles Nedder Team is wonderful. I’ve learned new skills from each and every team member. Would give them 10 stars If I could.

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YO U R D R E A M T E A M The Charles Nedder Team of Coldwell Banker Realty is consistently ranked as top producers in the Greenwich, Connecticut and Global markets, with award wining tenure, including the distinction in the Coldwell Banker Society of Excellence, among the top 1% agents worldwide.

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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.

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BUYERS SUMMARY 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. We 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).

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C O N G R AT UL AT I O N S

ON Y O U R N E W H O M E P U R C HA SE !

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It is important that you use this checklist in order to be well-prepared when closing on your 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, we are always here to lend a helping hand.

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A client means more than just a client. They are not dependent on us. We are dependent on them. Therefore, their role is one that never goes unnoticed, unappreciated or undervalued. Our passion for quality customer service is not part of our business, it defines our business. Thank you for giving us the opportunity to serve you.

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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

TESTIMONIALS “Our home buying experience was incredible. We thought we had looked at everything online but our realtor, Lucy Magnus, made a recommendation to see a house that just went back on the market and when we saw it in person (having scrolled past it), we fell in love. Similarly, our top choices ending up falling off the list when we saw them in person. It just goes to show what a different having an experienced broker makes. We had a short timeline for closing and Lucy made certain we were connected with the right attorneys, lender, and inspector. Sure enough, not only did we close right on time (~30 days), but we closed feeling great about our new home!”

“Catherine is a true professional all the way. She was wonderful to work with as she showed me homes in Fairfield County. She pointed each homes plusses and minuses. I’d recommend her to anyone.”

“The best broker i ever met. Charles helped us find our first home and when was the time to upgrade, ai did not have any doubts that I have to call Charlie. I also asked Charlie to help me rent my condo and no surprise there too- within a week I found the tenants that I like. He is super nice, would answer any questions that you may have, very friendly, knows anything and everything for the area and has a good knowledge about the houses itself. His team is equally very nice and responsive. Highly recommend him.”

“Charles was very professional and precise in finding what I was looking for. He also gives very honest opinions which was helpful during my search for a home. Charles is a realtor who stands by his clients from the beginning until after the end. When my transaction became challenging along the way, his unwavering support and the support from his staff pulled me through.”

“Charles has been very patient throughout the process of buying the dream house we wanted.

From the first time we met him we instantly liked him, he is very professional and kind person. In addition, any questions that we had were clearly answered and he made us feel very comfortable throughout the process. I would highly recommend Charles to anyone who is interested in buying a house, he will walk you through the entire process. In fact, buying a house was an effortless process with him. I can’t thank Charles enough for doing such incredible work, I can say it with a conviction that he is the best realtor in Greenwich Connecticut.”

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THANK YOU FOR THE OPPORTUNITY

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CHARLES NEDDER NE DDER TEAM

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CHARLES NEDDER NE DDER TEAM

203.524.4303 s a l e s @ c n e d d e r. c o m w w w. t h e c h a r l e s n e d d e r t e a m . c o m 66 Field Point Road Greenwich, CT 06830