Where Dreams Come Home
Get to Know Us | Dream Maker Pros The Dream Maker Real Estate Professionals Team Loves helping people. It isn't only about negotiating the best deal for our clients, it's about understanding each person's unique needs. What sets us apart is being available and communicating effectively whether you are buying or selling a home, which is one of the biggest decisions you can make in your entire life.
Our #1 Goal is to get you the most money for your property in the shortest time frame, guiding you to a smooth closing, reducing stress and saving you time.
This package contains helpful information about selling your home - from the time it is listed until the moment you hand over the keys. We are looking forward to working together to get your home
SOLD!
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Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
About Roxanne As a Multiple Award Winning Top Producer, Roxanne is a highly qualified Leader who believes in success through Collaboration ready to serve your Real Estate needs whether you are buying, selling, or investing in Real Estate.
Roxanne is the Principal Owner, Listing Specialist, and Accredited Buyer Representative backed by a Powerful team of Professionals! Our sellers are known to receive multiple offers, and sell 98.4% ABOVE MLS market averages!
Roxanne has been honored to have achieved Excellence in Business with a Bronze Level Production Award in 2016, a Silver Level Production Awards in 2017, and the coveted Amethyst Awards in 2018, 2019, 2020 and 2021. She has graduated from high level training courses including Bold, Coaching New Agents and RESE Certified Staging Expert. Having achieved honorable designations as Accredited Buyer's Representative (ABR) and Graduate REALTOR® Institute (GRI), Roxanne is ready to lead you to Where Dreams Come Home!
Roxanne and her Husband, Craig, together have three busy boys and they call the Fox Cities home residing in Roxanne's childhood hometown.
Roxanne Schwandt-Knutson, REALTOR® | Team Leader ABR | GRI RESE Certified Staging Expert
Dylan
Nathan
Alton
2 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
"Who" makes up our Market today? When you are considering Buying and/or Selling, it is important to understand "who" makes up our market today. It's definitely not the same as generations past. Whether we are matching clients to the perfect home, or helping sellers obtain the highest and best price in the least amount of time, we make certain to personalize and prioritize your needs. We believe in getting to know you and building a relationship and mutual trust.
"What I love about this business is not only getting to help people, but genuinely getting to know my clients while being transparent throughout the process. The greatest compliment I can get is an invitation to a wedding, baby shower, or other family event. My clients truly become that... Family." - Roxanne SK :) Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
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Realty ONE Group HAVEN Explained We are a real estate platform that not only works tirelessly to help our customers buy the home of their dreams or sell their existing home, but we provide leadership coaching, business consulting, and collaboration with other professionals and business partners.
A new Standard in Real Estate Our Mission, Vision, Values, Beliefs and Perspective all stem from our passion to always be servant-driven, enacting the highest standard in real estate, with love for God, doing good, with autonomy, honesty, action, personal growth, integrity, collaboration, fulfillment and contribution in helping others while building a legacy of significant impact on not only our community we serve, but our families for years to come.
Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
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Extended Marketing Reach - The Competative Market Analysis We take the Market Data very serious. When Selling, you are always in competition of other Sellers. Then, the Appraiser comes along and decides if the Offer Sale Price is realistic Value based on market facts.
We take not only Competition and Comparative property values into consideration, but also market trends when helping you determine a reasonable Listing Price for your property.
5 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Professional Photography It's the First Impression and is Very important to us! Our Professional Photographers will shoot the interior, exterior, and utilize drone photography where possible.
Home Staging We offer Staging tips and advice, or bring in an outside staging consultant, if needed, to prepare your home for sale.
REALTOR® Exposure
Advertising
We heavily market to our REALTOR®
We focus Strategic Marketing on Social Media,
network as over 95% of Residential sales
SEO internet, Print media, and Radio to attract
involve another REALTOR®.
hundreds of Buyers and increase awareness in our brand.
Keeping You Informed at EVERY Step!
6 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
SUPRAKEY Lockbox Your property's security is high priority. The SupraKey Lockbox records information on everyone who accesses your home, restricting access to only Licensed Professionals.
ShowingTime Service Remote showing convenience that communicated the way you want texts/calls/emails to make sure you know about showing requests immediately and feedback received within 24 hours.
Open House
Massive Internet Exposure
Conducted by trained agents utilizing social media
A growing 83% of all consumers view
postings, door knocking, and physical advertising
properties on the Internet prior to
through signs, including directional signs to create
purchasing.
exposure for your listing.
Yard Sign
Sphere
Bottom line is that yards with For
With a Team, you get added
Sale signs drive traffic and sell
networking of ALL of our Team
faster.
Members.
Social Media Your home will be featured on all of our Social Media Pages.
Pre-Inspection Homes sell faster and for top dollar with less stress when the Seller has the home inspected and corrections made.
7 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Pricing is Key It is VERY IMPORTANT to price your property at a competitive market value at the signing of your listing agreement. In doing so, historically, your FIRST OFFER is typically your best offer.
More Buyers purchase a property AT market value. When you price your property AT market value, you are exposing it to the greatest number of potential buyers.
Timing is Everything Timing is extremely important in the real estate market. A property attracts the most activity in the real estate community and potential buyers when it is first listed. It has the greatest potential to sell when it is new on the market.
8 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Real Estate 101 Let's dig in and determine what your Property is actually worth!
PRICE We don't price your home to sit, we price it to SELL using proven Market
Market Factors within your control:
Data. We are cautious of today's Dual-market: Appraisals and Multiple
Price
Offers. High Days on Market = Less $$
Property Condition Showing Availability
CONDITION
Home Warranty
Is what YOU do and CAN do to your home to prepare for the market. We want the BEST condition possible for today's buyers who are looking for move-in ready (updated with no additional work required).
LOCATION Is what it is. You cannot pick your home up and move it, so we focus on the other factors.
Market Factors you cannot control: Competition Buyer's or Seller's Market Interest Rates When the Perfect Buyer walks in the door
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Buckle Your Seatbelt!
The Real Estate Roller Coaster Things are abut to get R-E-A-L! It is totally normal to feel an array of emotions as you go through the process of both Buying and/or Selling. There are literally over 240 moving parts of any given transaction. Our team is by your side from A to Z, through all the twists and turns and ups and downs. Our team of highly educated Agents never stop educating, learning and studying scenarios, so that we can effectively and efficiently guide you through a smooth process.
10 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Ways to take Title in the State of Wisconsin While we cannot provide you with advise on which way to take title, you may ask the title company you will be closing at for further information in order to make the best selection for you. Information Courtesy of Evan's
*Wisconsin is a martial Property State under Wisconsin Statute Chapter 766.
Title, First American Title
SURVIVORSHIP JOINT TENANCY
TENANCY IN COMMON MARITAL PROPERTY
Parties need not be married; may
Requires a valid marriage
Parties need not be married; may
be more than two joint tenants.
between two persons.
be more than two tenants in
Each joint tenant holds an equal
Each spouse hold an undivided
common.
and undivided interest in the
one-half interest in the estate.
Each tenant in common holds an
estate, unity of interest.
One spouse cannot partition the
undivided fractional interest in
One joint tenant can partition
property by selling his or her
the estate. Can be
the property by selling his or her
interest.
disproportionate, e.g., 20% and
joint interest.
Homestead Law requires
80%; 60% and 40%; 20%, 40%
Requires signatures of all joint
signatures of both spouses to
and 40%; etc.
tenants to convey or encumber
convey or encumber.
Each tenant's share can be
the whole.
Estate passes to the surviving
conveyed, mortgaged or devised
Estate passes to surviving joint
spouse outside of probate.
to a third party.
tenants outside of probate.
No court action is required to
Requires signatures of all tenants
No court action required to
"clear" title upon the first death.
to convey or encumber the
"clear" title upon the death of
Both halves of the community
whole.
joint tenant(s).
property are entitled to a
Upon death the tenant's
Deceased tenant's share is
"stepped up" tax.
proportionate share passes to his
entitled to a "stepped up" tax
or her estates by will or intestacy.
basis as of the date of death.
Upon death the estate of the decedent must be "cleared" through probate, affidavit or adjudication.
Common Closing Costs and Who Customarily Pays What
CASH
FHA
VA
CONV
1. Down Payment
BUYER
BUYER
BUYER
BUYER
2. Property Inspection (if requested by the buyer)
BUYER
BUYER
BUYER
BUYER
3. Property Repairs, if any (negotiable)
SELLER
SELLER
SELLER
SELLER
4. New Loan Origination Fee (negotiable)
BUYER
BUYER
BUYER
5. Discount Points (negotiable)
BUYER
BUYER
BUYER
6. Document Preparation Fee (Charge seller on FHA/VA)
SELLER
SELLER
SELLER
7. Credit Report
BUYER
BUYER
BUYER
8. Appraisal or Extension Fee (negotiable)
BUYER
BUYER
BUYER
9. Existing Loan Payoff
SELLER
SELLER
SELLER
SELLER
10. Loan Prepayment Penalty (if any)
SELLER
SELLER
SELLER
SELLER
11. Next Month's PITI Payment
BUYER
BUYER
BUYER
12. Prepaid Interest (approx. 30 days)
BUYER
BUYER
BUYER
13. FHA, MIP, VA Funding Fee, PMI Premium
BUYER
BUYER
BUYER
14. Assessments payoff or proration (sewer, paving, etc.)
SELLER
SELLER
SELLER
SELLER
15. Taxes
PRORATE
PRORATE
PRORATE
PRORATE
16. Insurance
BUYER
BUYER
BUYER
BUYER
17. Closing/Settlement Fee
SPLIT
BUYER
BUYER
BUYER
18. Recording/Courier/Express Mail Fees
SPLIT
SPLIT
BUYER
SPLIT
Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
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Pre-Approval Required
Loan Types:
NO $$ =
Conventional
NO HOUSE
FHA VA Wheda USDA
12 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Offer Price What you offer on a property depends on a number of factors including the condition, length of time on the market, buyer activity and seller motivation. While some buyers want to make a low offer just to see if the seller accepts, this often isn't a smart choice because the seller may be insulted and decide not to negotiate at all.
Contingencies If you do not qualify to hold two mortgages, you will be faced with the problem of having to sell your current home before you can purchase your next home. The solution seems simple, which is to make an offer to purchase on a home contingent upon the sale of your existing home. The problem is, these sort of contingent offers are rarely accepted by sellers in good or bad markets. It is ideal to have your existing home under contract with a Buyer prior to placing an offer on your next home.
Additional Property Often, the seller plans on leaving major appliances in the home; however, which items stay or go is often a matter of negotiation. Typically, the buyer is not present at offer presentation to the seller - we will present the offer to the listing agent and/or seller. The seller will then do one of the following: Accept, Reject, or Counter the offer. By far, the most common is Counter the offer. In these cases, my experience and negotiation skills become a powerful tool in representing your best interests.
Closing Date If you can be flexible on your closing date, the seller will be more apt to choose your offer over others.
13 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Due Diligence The due diligence period is a negotiated period of time during which a buyer has an opportunity to conduct their "due diligence" before deciding to move forward with the purchase of the home. For both buyer and seller, it can be a tense period of surprises and decision-making.
Usually the due diligence period is somewhere between 5-35 days, and it begins as soon as the contract is signed, sealed, delivered by both parties - once you are "under contract" with an "Accepted Offer". During this time, the buyer may have a professional home inspection, foundation inspection, pool inspection, POWTS, well, water and any other negotiated inspections. Buying an older home may come with a need for additional inspections.
Earnest Money The earnest money deposit is a negotiated amount of money that is typically submitted after you are "under contract" although certain strategies may include earnest money submitted WITH an offer to purchase. Nevertheless, it is typical that the Listing Broker holds earnest money in a trust account, which the funds are then disbursed to the title company prior to closing. The earnest money amount is typically recommended to be 10% of the offer sales price. In the event that during the due diligence period the parties cannot come to agreements, the earnest money may either be forfeited to the seller or returned to the buyer. Both parties must agree to disbursement of the earnest money.
14 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Inspections A home inspector is an assessment of the home's condition. In addition to identifying problems with the house, home inspectors can give buyers information that will help them with the upkeep as homeowners. The cost of a home inspection varies depending on size and age of the house. Approximate cost can range from $300 - $600.
Additional Inspections may include Radon Testing ($150-$200), Well/Water/Septic-POWTS ($300-$600), and Foundation ($200-$350). All approximate costs.
Appraisal A home appraisal is an unbiased estimate of the true value of what the home is worth. All lenders will order an appraisal during the mortgage loan process so that there is an objective way to assess the home's market value and ensure that the amount of money requested by the borrowers is appropriate. Approximate costs $400-$600.
15 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Listing Closing 101 The closing process finalizes the sale of your home and makes everything official. Also known as a settlement statement, the closing is when you receive your proceeds and the buyer receives the deed to their new home.
Your Estimated Costs > Mortgage balance and any prepayment penalties, if applicable > Other claims against your property such as unpaid property taxes > Unpaid special assessments on your property > Real Estate Broker Commission > Title Insurance >Home Warranty, if applicable > HOA transfer fees, if applicable > Attorney review fee > Title company prep fee
Prior to Closing Utilities should be disconnected/transfered the day prior to closing. It is best to have everything on a moving truck the day prior to closing. Buyer will do a final walkthrough within 3 days prior to closing. Make sure everything is moved out - don't forget things in closets, garage, attic, crawl space, etc.
Bring to Closing Valid Government-issued picture ID Keys, garage openers, unless directed to leave in house All parties listed on the deed must be present at closing, or a power of attorney must be obtained in advance. If you move, or live out of town, the title company can offer remote closings to be conducted in the presence of a notary public.
All trash and personal items not conveying with the home should be removed prior to closing. Prior to leaving, floors should be swept or vacuumed, surfaces cleaned and home left in move-in condition.
After Closing Be sure to keep copies of all closing documents for tax purposes.
16 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Buyer Closing 101 The closing process finalizes the sale of your home and makes everything official. Also known as a settlement statement, the closing is when you receive the deed to your new home.
Prepare for it
Own it
Closing day marks the end of your home-buying
Transfer of Title moves ownership of the property
process and the beginning of your new life! To
from the seller to you! Two events that make that
make sure your closing goes smoothly, be sure
happen are:
to bring the following:
Delivery of the buyer's funds. This is the
Funds are wired to the Title Company
check, or wire, provided by your lender
handling the closing. Typically, the
in the amount of the laon.
Lender will ensure this step is taken.
Delivery of the Deed. The Deed is the
Valid Government-issued picture ID
document that transfers ownership of
All persons listed on the Loan must be
real estate. The Deed names the seller
present or a power of attorney must be
and the buyer, gives a legal description
obtained in advance.
of the property, and contains the notarized signature of the seller and witnesses.
At the end of closing, the Deed will be taken and recorded at the county clerk's office. It will be mailed to you after processing.
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The Closing Disclosure This is the document that totals up all Debits and Credits in a real estate transaction.
Buyers - your lender and the title company will ensure their numbers match, and your lender will review this disclosure within 3 days prior to closing and answer any questions you may have. Sellers - the title company will review this with you.
This document is again reviewed at the closing table. This disclosure is also commonly referred to as the ALTA.
18 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Team Service at an Individual Price The price you pay for the high level of service you receive is nominal when you see the bigger picture and know where your money is allocated.
Let's say you have a $250,000 house to sell $10,000
$5,000
4%
6%
2%
Commission
Commission
Commission
Firm Representing
$15,000
Firm Representing
the Seller
the Buyer
Often 60/40 Split for
Often 60/40 Split for
the Salesperson
the Salesperson
$6,000 REALTOR® Business Expenses
$3,000 REALTOR® Business Expenses
> Fees/Dues (Broker/MLS/REALTOR® Association/NAR
> Fees/Dues (Broker/MLS/REALTOR® Association/NAR
> Continuing Education/Training/Travel
> Continuing Education/Training/Travel
> Professional Photography/Signs/Posts/Installation
> Office Fees/Expenses/Utilities/Insurances
> SupraKey Lockboxes
> Advertising and Marketing Brand and Listings
> Office Fees/Expenses/Utilities/Insurances
> Payroll/Taxes
> Advertising and Marketing Brand and Listings
> Car/Fuel/Maintenance/Time/Communications
> Payroll/Taxes > Car/Fuel/Maintenance/Time/Communications
19 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
The Dream Maker Pros Difference
Where Dreams Come Home We don't solely rely on MLS (or the likes of 3rd party sites for that matter) to bring listings to our buyers. During the discovery phase, we will determine the strategy in which to find your dream home! Once we know your dreams and wishes, we get to work. Door-knocking, social media, networking, and referrals is part of what sets us apart from the rest.
...but don't just take it from us... Read what our Past Clients have said 20 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Client Testimonials “Roxanne she said what she was going to do from the onset, and she did what she said. She was organized and easy to work with. We listened to her suggestions and did as we were directed and finally sold our house. Not an easy task. She didn't give up on us. Very appreciative." - Steve & Marsha A.
“Roxanne is very skilled and professional agent. She also has a great personality to work with. We could not ask for a better agent than Roxanne. If you are looking for a house to buy, or to sell your home, Roxanne is the one you should choose to work with. - Ben & Ping C
“Roxanne is incredibly intelligent, helpful, and a joy to be around. Roxanne really had our interest in mind when bought our house. She didn't allow us to just settle, she made sure to remind us that the right house is out there. I cannot thank Roxanne enough for all the help and endless commitment to us!" - Caleb & Savanna G.
“Roxanne was so great to work with! She was extremely knowledgeable and communicated every step in the process of selling our house to us very clearly. Communication with her was so easy via text or email and always received a fast reply from her. Also love her upbeat personality and ambition!!! Thanks Roxanne!! Roxanne was fantastic! From start to finish, she communicated everything, was very responsive, and did an overall great job! Very, very satisfied with her." - Kara & Steve F.
"As a former Realtor, I knew dozens of agents that could have helped me purchase my new home. I chose Roxanne to be my Buyer's Agent and couldn't be happier with her service! I was looking for something very specific, as buyers usually are, and thought she might have a challenge ahead of her, especially in our current market. The options I had in my price range were slim pickings, and none of them had all my MUSTS. Until Roxanne suggested branching out just a little further. Suddenly, there it was! We knew it was a perfect fit, and with a recent price drop, decided to act fast. Roxanne gave me great advice for negotiating a purchase price and again while requesting repairs after the inspection. Everything was smooth, fast and easy. I even used a new lender, one she suggested, who worked diligently to help me achieve this dream and at better rates than my former lender. The house itself is amazing, located in a wonderful neighborhood surrounded by nature, and exactly what I was looking for. i am super happy that Roxanne was able to help me find my dream home!"
- Michelle J.
Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
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Client Testimonials
“Roxanne goes above and beyond her job. She was there in any aspect and more! She truly cares about the house you buy and your needs of what type of house is perfect for you and your family! I'd recommend her over and over again!” - Jeff & Connie H.
“Roxanne was fantastic and amazing in selling our house! She answered any and all questions, and walked us through every step of the process, which made me feel very comfortable in every aspect of the selling process. I wouldn't want to buy/sell a house without her as my realtor. I would always have Roxanne to help me sell and buy a house! Roxanne helped my wife and I list and sell our home and we accepted an offer in a week. She did a great job of guiding us through the selling process and made our lives as stress free as possible!” - Jen & Jake D.
See More at: http://bit.ly/RoxanneSKREVIEWS Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
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Client Testimonials “Roxanne ALWAYS looks out for the best interest of her clients. She is passionate in what she does and is very knowledgeable about real estate and the industry. She has a heart of gold!” - Jenilee Ehlenbeck, AMEC (Lender)
“Roxanne went above and beyond to help my wife and I find our first home. She has outstanding communication with us at all time and knew exactly what we were looking for. Thanks again Roxanne!” - Brandon & Shelby A.
See More at: http://bit.ly/RoxanneSKREVIEWS Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
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24 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
25 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
What you can expect When you work with our team, you can expect to experience 5-star service.
Any agent can take you from A to Z in the process of Buyer or Selling, but not just any agent can give you the experience from that of a 5-Star Agent who is dedicated to ensuring your happiness and peace of mind when you work with Dream Maker Real Estate Professionals.
Our Team Mission Statement Our Mission is very simple: Within the scope of our real estate practice, we will provide the highest quality service to genuinely serve all those who cross our paths. We will always endeavor to serve our clients to the best of our ability with the highest level of integrity; regardless of cost or personal convenience, we will seek to do our very best at all times. We will not enter into business relationships with persons whom are abusive towards us or who endeavor to achieve dishonest gain at the expense of other parties.
26 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
We Honor You To our Veterans, Active Military, Reserves, and your families, We Sincerely Thank You for your service and dedication. It is an honor for us to assist you in your real estate needs whether you are moving within state, or across states. We can help ensure you experience a smooth move. We have relationships with fantastic lenders and vendors who value the same commitment to you as we do, and we would love to connect you with these likeminded professionals.
Hire Heroes USA is a non-profit organization which empowers U.S. military members, veterans and spouses to succeed in the civilian workforce.
27 Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Selling your home is a big deal and we take the task very seriously. The fact that you have considered our team to help you accomplish this means the world to us!
Our Mission is very simple: Within the scope of our real estate practice, we will provide the highest quality service to genuinely serve all those who cross our paths. We will always endeavor to serve our clients to the best of our ability with the highest level of integrity; regardless of cost or personal convenience, we will seek to do our very best at all times. We will not enter into business relationships with persons whom are abusive towards us or who endeavor to achieve dishonest gain at the expense of other parties.
Our team’s philosophy evolved from our belief that people deserve an exceptional real estate experience. It is this mantra that still drives everything we do – from our service and communication to our industry-leading marketing materials. We are extremely confident that you will thoroughly enjoy working with our team and we are equally confident that we can deliver on our promise of providing an exceptional experience!
The next steps are going to be establishing the plan and what your next "to do" steps may be.
-Roxanne Schwandt-Knutson
Dream Maker Real Estate Professionals at Realty ONE Group HAVEN | 920-470-7451 | dreammaker4u.com
Where Dreams Come Home