It’s Nice To Meet You.
You want a home that you love and a home that fits your lifestyle. At CamTaylor, we know there is a perfect home for every buyer. We listen to your needs and desires to help find exactly what you are looking for. Our process is not simply sending listings to scroll through. We want to hear and understand your priorities, desires and lifestyle. We take a systematic approach tailored to your goals that are based around communication and understanding of the home buying process. Your CamTaylor agent will be your guide from start to beyond closing.
At CamTaylor, communication is key. Keeping open lines of communication is essential for the way we operate. Not now, right now. In today’s world, information is available to buyers and sellers instantly. You need an agent who moves at the same speed. Honest. Buying a home is hard work. Both the buyer and seller do their best when the most honest information is presented to them. Setting clear expectations and giving sound advice are part of what we do at CamTaylor. Positive. Buying and selling a home can be an emotional process with many moving parts. At CamTaylor, we never lose sight of our client’s objective. Buyers and sellers want to have an enjoyable experience; buying or selling with confidence. A positive attitude makes everything better. We want to work with you!
COMMUNICATION
Why remaining an independent broker is important… Independent means we focus on our clients. Being an independent brokerage allows decisions to be made quickly as well as intelligently reacting to market trends.
Being an independent brokerage allows us to put information to use — not now, but right now. Our purpose is to constantly cultivate innovative ways to enable our clients to achieve their goals.
Having a short chain of command results in value added to our customers. Our technology offers information to help our clients make wise decisions, while our size and focus allows us to quickly adopt best practices and leverage new trends.
We are locally owned and independently operated. This means we directly reinvest our resources to drive value to Columbus, Ohio, and it’s residents. Local Means Relationships. We build lasting relationships that can be relied upon in our community. The neighborhood pastry shops, restaurants, printing companies, and favorite hangouts are all operated by people who love this city and thrive on building relationships. Local Means Neighborhood. Every family has unique needs and objectives. Each neighborhood, street, and home is unique and merits attention that only a local company can provide. Local Means Expertise. Since 1968, our clients have kept us updated on the latest changes in their neighborhoods. Not only do we have housing market data at our fingertips, we have real people sharing real experiences about their neighborhoods. We have had a pulse on Central Ohio for quite some time. It is our business.
LOCAL
We’ll Take You Through Our Process
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Getting Started | Find Your Home | Make An Offer | Negotiation | Contract to Closing | After Closing...
Getting Started Speak With An Agent We want you to feel comfortable during this process. For some buyers, this is your first time, while others have purchased multiple homes. We understand that each buyer is unique and want to speak with you, at your pace, to make sure all questions are an swered as we begin helping you buy a home.
Securing a lender is an important step in buying a home. Let your agent recommend lenders who are experienced with the partic ular area and type of property you wish to purchase. We encour age you to speak with multiple lenders and choose who you are most comfortable with.
Obtain Financing Pre-Approval As you work with a lender, you will become pre-approved. Your lender will present you with multiple loan amounts and corresponding monthly mortgage payments. You are going to identify a price-range where you feel comfortable. You will also need this pre-approval letter when it is time to make an offer.
Let Your Agent Connect You With Lenders
Define Lifestyle Priorities
PROCESSOUR
Your lifestyle priorities will narrow down the neighborhoods that will work best. Speak with your agent about those areas and spend time visiting those areas. We are more than happy to hit the pavement and show you what the areas are all about. We want you to be educated on the current state of each micro market. Take the time with your agent to look at past sales. Know ing market trends and what to expect at each price point will give you an advantage over other buyers. Ask Questions Please ask any question that you have. It’s our job to ensure you are comfortable and well-informed. Our goal is for no question to go unanswered.
What is your ideal scenario for day-to-day living? Consider how long you hope to live in the home you’re about to buy. Do you prefer walkability over the size of your yard? How much square footage will you need in the next five years? Defining your lifestyle priorities will help your agent help you find a home that best suits your way of life. Identify Where You Want To Live And Learn About Those Markets
Find Your Home Create a Wishlist Reviewing our questionnaire will help define your needs, wants and desires. Your agent takes these into account when showing you homes. How many bedrooms and bathrooms do you require? What are the ideal areas in which you wish to live? Do you want a fenced yard? Would you like granite countertops? Would any solid surface be sufficient? Establish Search Criteria We like to begin our searches with needs and progress towards wants and desires. Take a look at as many listings online as possi ble. You will start to become familiar with what is available in your specific price range. As we move forward, we will work together to fine-tune your search criteria. Setting up a Multiple Listing Service Search Your agent will provide listings to you via the Multiple Listing Service (MLS). Initially, you will receive a large list of active listings. As new listings become available, these homes will automatically be emailed to you. Getting Started | Find Your Home | Make An Offer | Negotiation | Contract to Closing | After Closing...
We also pay attention to all listing syndication websites such as Zillow and For Sale By Owner. The National Association of Realtors is affiliated with Realtor.com. Our MLS data powers Realtor.com, which is why it is the most accurate information. If you see a listing that you like on any website, notify your agent so a showing may be scheduled. See Current Inventory Browse the active listings online and identify which homes you would like to see. Send the list to your agent to review and coordinate a time to view in-person. Some listings are vacant and can be shown any time and some have limited availability as they are occupied. We’ve found most sellers are flexible given reasonable notice. Some homes show better in-person than in photos, while other homes may have impressive photographs but are less impressive in-person. Become Reactive/Proactive To New Listings
If nothing suits you in the current inventory of listings, we will work together to become reactive/proactive to new listings. Time is critical with all aspects of real estate. Be sure to request a showing at a new listing quickly to avoid competition.
PROCESSOUR
Find Your Home How CamTaylor Helps You Getting Started | Find Your Home | Make An Offer | Negotiation | Contract to Closing | After Closing... Understand the Market Homes are bought and sold on a comparative basis. We will help you understand recent sales in the area and how those compare to the properties you want to view. Our professional opinion of the list price is built on an understanding of past sales and anticipation of competition amongst buyers. Current inventory is also an indicator of the market. If there is low inventory with high demand, you can expect fewer days on market and a high sales price ratio. Adversely, ample inventory, with extended days on market provides leverage to negotiate.
PROCESSOUR
Spot defects and objections During showings, we walk the home and identify any openly visible and obvious defects. Some might be repaired easily, others may be more time consuming and costly. We also make you aware of anything that could be an objection for other buyers, which is good to know for resale. Some grievances might be as simple as color palate and finishes. Others might be a location criticism that can never be changed.
Make An Offer Work With Your CamTaylor Agent to Make an Offer Using the Columbus Board of Realtors® Standard Purchase Contract. Comparable Sales Your agent will provide past sales so you can see how those compare to the home you have selected. Think back on the homes you have seen and how those compare with the list price. Decide on Price Comparable sales will guide you to a range of value for the present day market. Also consider potential competition from other buyers and your need for housing in the offer. If there have been fewer days on market and many other potential buyers, you may need to offer above the list price to secure the home. Your agent will tell you their thoughts from experience working in the direct area. The market will determine the final price. Getting Started | Find Your Home | Make An Offer | Negotiation | Contract to Closing | After Closing...
Terms & Conditions
Loan Commitment
The purchase will be contingent upon your ability to obtain financing after a more detailed process from your lender relating to income, credit history and the selected property itself. We will deliver a loan commitment letter from the lender, prior to closing, that signifies the commitment of the lender to provide funding to purchase the home.
Your agent will guide you through the normal contingencies for the micro area you are wishing to buy. Your contingencies and time frames could make the difference in securing the home over a competing buyer.
Attorney Approval
As a buyer, you may choose to have an attorney review the agreed upon contract and make recommendations. This usually takes place within the first five days of offer acceptance.
The seller will want to know you have been pre-approved. We will provide the pre-approval letter from your selected lender along with the offer.
Lender Pre-Approval
PROCESSOUR
It is recommended that inspections and tests are performed to provide critical information about the home. This is known as the Specified Inspection Period. Within the agreed upon Inspection Period, inspections and tests need to be completed and written notice delivered to the sellers on how you would like to proceed in the following ways: Deliver a Request to Remedy • Accept the property in it’s current state Cancel the contract Agreement to Remedy Period This time period gives us an opportunity to present inspection results concerning safety, environmental, and structural issues. Within the Agreement to Remedy, we are to come to an agreement with the seller on which repairs are to take place and how they are to be repaired before closing.
Getting Started | Find Your Home | Make An Offer | Negotiation | Contract to Closing | After Closing... Fixtures and Equipment When buying a home, the fixtures typically transfer to you with the home, unless otherwise agreed upon. This section of the contract allows us to request for appliances and other equipment to also convey.
Inspections and Tests
PROCESSOUR
Warranties
The earnest money deposit is a good faith gesture toward the seller for the purchase. Upon successful closing, this deposit will come back to you, as the buyer, in the form of a credit or return check. In the event of the contract being canceled though a contingency, this deposit will also be returned. Your agent can advise on an appropriate earnest money deposit amount.
Some sellers are willing to provide home and gas line warranties. Therefore, we have the opportunity to ask for these warranties to be provided for you during the first year of ownership. Earnest Money Deposit
Closing & Possession
Consider timeline needs for when you take ownership and move-in. Depending on the market, the seller may also have requirements that need to be considered. Final Walk-Through We will conduct a final walk through prior to closing to ensure the premises are in the same condition as they were on the date of contract and that remedy repairs have been completed.
Negotiation Integrity, confidentiality and communication with each transaction is key to our reputation. Our mission in negotiation is to provide a pillar of support to meet or exceed your goals. We are quick to present counter offers to give you the ability to act upon any opportunity. Time is of the essence in a real estate Wetransaction.explainevery detail of each opportunity. We analyze all aspects of counter offers and make recommendations to achieve your goals. • You will be involved in all aspects of negotiations. Getting Started | Find Your Home | Make An Offer | Negotiation | Contract to Closing | After Closing...
PROCESSOUR
PROCESSOUR
Contract to Closing Once an offer is accepted, we will work through the contract contingencies. Our commitment to communication and organization will make sure that the deadlines are identified, documents are distributed accordingly and all items are in place to meet the anticipated closing date. Home Inspections • We help recommend qualified home inspectors for you to hire. Most buyers in Central Ohio have a general home inspection, radon level reading, and wood destroying insect inspection. You may elect to have other inspections too. Inspectors will thoroughly evaluate the material aspects of the property. If any problems are identified, we will help review and evaluate the reports to assemble the Request to Remedy. Facilitate the deposit of earnest money Distribute important documents to the lender and title company • Collect important documents such as bylaws and declarations Coordinate with utility companies to transfer service Review documentation prior to closing Provide support at closing and answer any questions Getting Started | Find Your Home | Make An Offer | Negotiation | Contract to Closing | After Closing...
After Closing (Congrats!)
We enjoy maintaining a relationship with all clients, not a goodbye once the transaction is complete. We can help in a variety of ways; recommend service providers, connect with tradespeople, notify you of refinancing opportunities, just to name a few... Getting Started | Find Your Home | Make An Offer | Negotiation | Contract to Closing | After Closing...
WHATFORPAYSWHO
Expense DocumentEscrow1TaxTransferCountyMortgageTitleTitleLender’sTitleAttorneyCreditTaxFloodLenderPoolRadonTermiteHomeAppraisalCommissionInspections/TestsInspectionTestInspectionFees(variesbylender)Certification/DeterminationServiceReportFeeInsurancePolicyofTitleInsuranceFeesFeesLocationSurveyTransferTaxTaxProrationyearhomeowner’sinsuranceTax&InsuranceRecording/ServiceFees Typical Cost $1,200+/-$250+$150-$175$50-$100$450-$1,000$350-$5506%(Processing, Underwriting, Application, etc) $15 +/$75 +/$85 Owner’s$500-$1,000+/-Policy - based on purchase price $100 with issue of owner’s policy $2$160-$200$500+$600+to$3per 1,000 of sales price Dependent$0.50 on date of closing & county collection cycle 1-5Variesmonth cushion $200+ Who Pays BuyerBuyerBuyerBuyerBuyerBuyerBuyerBuyerBuyerBuyerSeller or Seller - optional BuyerBuyerBuyerSellerBuyerSellerBuyerSellerBuyerBuyerSeller *Actual costs are subject to change from estimated costs. Actual costs vary per lender, property type, and other factors.
Our Network As a family-owned business since 1968, our roots expanded organically by treating clients and agents like family. This comes second nature as a core value we all share. That reputation expanded our client base broader than other brokerages. Your home will be put at the forefront of this network that is both local and global.
Relocation CamTaylor has been involved in helping individuals and families relocate to and from Columbus since our founding. Our client base was generated through both business and agent reputation - not only in the local market, but also nationally. As employer benefit packages became more robust, third party relocation management companies came on the scene. Reputation with peers, outside our local market, led to relationships with brokerages with referrals for those without relocation packages, too. We now have a dedicated relocation coordination staff who ensure relocations are seamless, fluid transitions. Being so involved in helping people relocate led to amazing opportunities, such as being an original member of what is now known as Leading Real Estate Companies of the World®
We are proud members of Leading Real Estate Companies of the World®. LeadingRE is a pedigree denoting the very best companies who represent qualified clientele and wish to do business with similar firms. As an affiliate, our company has the advantages of a global real estate network working on your behalf. Being a member provides world class marketing and resources, allowing us to provide the very best service and exposing your home to countless additional buyers. CamTaylor,NETWORKOUR
Property Management The Central Ohio real estate market is ever evolving. By request from clients and desire to serve, CamTaylor Property Management came to be. This division helps individuals and investors manage day to day intricacies and annual leasing. CTC Solutions CTC Solutions is an arena for agents to keep their license active while they are not actively practicing real estate. This allows these agents to generate broker to broker referrals and continue to earn income while helping friends and family they care about most. NETWORKOUR Our Network
LEADERSONHANDS
Our sellers, buyers, and agents have a direct line of access to our leadership. Our leadership team consists of Greg and Phil Giessler. They are accessible, knowledgeable, and active in the present day real estate community. They take pride in staying involved at the ground level and growing upon their combined 65+ years of experience in the industry.
STORYOUR
Our Story
The roots of CamTaylor Realtors® date back to the late 1950’s when the company was under the leadership of Bradley Salt; the company — called Brad Salt Realtors® — was located near downtown, in Bexley, Ohio. As Columbus grew and more homes were built, especially in the northern suburbs, a branch office opened at 882 High Street, Worthington; our current address. The sales manager selected to lead the office was established agent Campbell Taylor, Jr. Cam partnered with Phil Giessler, a 1968 graduate of The Ohio State University. Under the partnership of Cam and Phil, the company thrived through their shared affinity of working with and for Inpeople.theearly 1970’s, Cam purchased the company from Brad Salt; then in 1997, Phil and his wife, Carol, purchased the company from Cam. Phil chose to keep the CamTaylor Realtors® name and its reputation grew with its continued significant involvement with a group now known as Leading Real Estate Companies of The CamWorld®and Phil were visionaries in the world of real estate. They
were early adopters of cell phones, allowing for 24/7 access to their clients, and have since constantly kept up with standards in technology. They understood real estate is a service industry and traveled all over the country to meet with our fellow Realtors® as members of Leading Real Estate Companies of The World®. As a result of the honest and open communication Phil and Cam fostered, the company grew.
Originally having occupied a small a little yellow converted home on High Street, speedy growth of the company led to building of the current brick building in the late 1980’s. Phil’s son, Greg Giessler, joined the company as a Sales Associate in 2001. He achieved membership in the 1, 5, 10, and 25 million dollar clubs, and is now the Broker of Record for CamTaylor. Greg is an active volunteer in the Columbus area; having served as a member of Leadership for Worthington, Dublin-Worthington Rotary, Worthington Educational Foundation, and devoting his time to mission trips around the world. Phil remains very active and involved as Owner/Realtor® in the company, and is very pleased about the forward movement initiated by Greg and the many new and upward rising Realtors® working in the Greg’scompany.goal for CamTaylor is to lead the way as an innovative market leader while remaining an independent brokerage. He takes pride in continuing to build upon the foundation that was formed by Bradley Salt, Campbell Taylor, and Phil Giessler as he continues to take the company “one brick higher.”
Phil’s letter home as a new agent dated July 25th, 1968. Much has changed since! STORYOUR
