Shakeshaft and Company Buyer Book 2024

Our Goal... To Be Your Real Estate Professionals For Life!

PREPARING FOR CLOSING You will be finalizing your loan, reviewing documents and discussing the findings from the inspection.

I will be managing this entire process for you.

THE HOME BUYING PROCESS

FINAL DETAILS

CLOSING This is the transfer of funds and ownership.

A title company acts as an independent third party to facilitate the closing.

MEET WITH SONIA, YOUR REAL ESTATE PROFESSIONAL

THE BUYER’S ADVANTAGE Real estate commissions are paid by the seller in almost all circumstances. This means your representation costs you nothing!

Discuss the type of home you are looking for, including style, price and location.

Perform due diligence, conduct an inspection, order the appraisal, obtain funding and review terms with the lender for final funding.

GET PRE-APPROVED You will need items such as pay stubs, W2s and bank statements.

Knowing what you can afford is critical to a successful home shopping experience.

UNDER CONTRACT You and the Seller have agreed to the price and terms. After the earnest money is delivered, the home is effectively held for you until closing.

THE CONTRACT The contract provides you with a timeline to obtain financing, as well as a time to inspect the physical condition of the home. I will inform you of all your rights and responsibilities related to the contract.

NEGOTIATION AND CONTRACT Negotiation is key to reaching our final destination–being under contract. I will help facilitate the process of bringing people together to reach a mutually beneficial, fair business deal.

SEARCH FOR HOMES

MAKE AN OFFER I will prepare the offer based on the price and terms you choose. This is where my expertise and scrutiny will help guide you to a firm strategy for a fair and solid offer for you and the seller.

The fun part! I will schedule showings and help you find the perfect home based on what we have discussed for your wish list.

ADVANCED SEARCH Not all real estate Web sites are the same. I have the tools and systems to ensure you see every available home that meets your criteria.

SONIA SHAKESHAFT RE/MAX Lifetime Achievement RE/MAX Hall of Fame C: 720.936.4663 F: 303.754.2725 E: Sonia@ShakeshaftAndCompany.com www.ShakeshaftDenverRealEstate.com

ABOUT SONIA...

• Licensed Real Estate Broker Associate • Memberships in: South Metro Denver Realtor Association Colorado Association of Realtors National Association of Realtors • Over 20 Million Dollars in Average Yearly Sales and Over 450 Million Dollars in Career Sales • Average 101.8% Sold Price to List Price for Shakeshaft and Company Listings • Full-Time Real Estate Professional Who Listens to Your Needs • Nearly a Lifetime of Denver Area Expertise Including 22 Years as a Top Selling Denver Metro Real Estate Agent • Fifteen Years of Customer Service Success as Highly Decorated Center Business Manager in Fortune 25 Communications Company • Proven Success in Communication, Negotiation, Attention to Detail and Customer Satisfaction • Competitive Drive to Succeed, Earning Distinquished RE/MAX Recognitions • Committed to Providing You Excellent Service

SONIA’S REAL ESTATE ACCOMPLISHMENTS...

Chosen Top 1.5% both Nationally and in the State of Colorado as one of “America’s Best Real Estate Agents” by RealTrends Ranked in the Top 2% of RE/MAX Realtors Nationally Top Two Earner of Commissions in the RE/MAX Professionals Highlands Ranch Office (2023) RE/MAX Lifetime Achievement Award Recipient RE/MAX Hall of Fame Member RE/MAX Chairman’s Club Member Diamond Circle Club Member - South Metro Denver Realtor Association Real Producers Magazine Top 5% in Denver 5280 Magazine Five Star Agent (multi-year) Top Five - RE/MAX Colorado Mountain States Monthly Award Winner Top Ten - RE/MAX Colorado Mountain States Monthly Award Winner Top 15% - Homesnap

14 TIME WINNER

You Won’t Find Anyone that Works Harder, Smarter or Cares More • We Love Helping People, Homes Just Happen to be the Catalyst • We are Straight Forward and Have a Realistic Approach to Business • We are Persevering, Organized, Meticulous, Detail Oriented and Service Focused • We Have a Cooperative Transaction Style and an Innate Way of Bringing People Together • We Have an Established and Loyal Client Base with a Very Large Contact List • We Devote Countless Hours to Ensuring Our Clients are Thrilled • We Utilize Unsurpassed Technology, Knowledge and Business Savvy • We Have Access to a Large Relocation Business to Facilitate the Need for Local Referrals • We Travel to Where Expertise is Needed Rather than Geo-Specializing • We Encourage Price Comfort in Buyers and Limitless Searching for the Dream Home • We Believe in Preparing Properly and Creating an Amazing Debut of New Listings • We Leverage Creative Masterpiece Marketing Materials • We are Respected and Supported by a Talented and Tenured Group of Peers • We are Backed by the Most Recognized National Brand in Real Estate • We are Extensively Involved in the Community through Volunteerism

“My goal is to be my customers’ Realtor for life. I am committed to building long term partnerships by offering unsurpassed knowledge, communication, dedication and honesty, with respect for individual needs. I feel blessed to be a part of some of the biggest decisions of my clients’ lives and intend to fortify trust through superb service.”

-Sonia

AGENT SALES COMPARISON FOR 2023 TOP OF THE TIER FOR AGENTS ACROSS THE COUNTRY! 36-45+ SALES

2% OF ALL AGENTS

26-35 SALES

5% OF ALL AGENTS

16-25 SALES

8% OF ALL AGENTS

6-15 SALES

22% OF ALL AGENTS

0-5 SALES

63% OF ALL AGENTS

Note: This representation is based off of content provided by REcolorado®,Inc.REcolorado®,Inc. does not guarantee or is any way responsible for its accuracy. Content maintained by REcolorado®, Inc may not reflect all real estate activity in the market

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2023 – Top Franchise U.S. Metro Market Sales Volume 2023 – Top Franchise U.S. Metro Market Closed Transactions

WHAT OUR CLIENTS AND PARTNERS ARE SAYING...

“The sale of our house feels like a miracle! Thank you for getting it sold!

Your methods of attracting buyers worked!”

Pablo and Renis M. - Sellers

“Sonia exceeded our expectations by a mile!

We closed on our home in record time, with minimal fuss, minimal disruption to our daily lives, and no hiccups.”

RJ U. and Rebecca C. - Buyers

“Sonia took the time out of her schedule to sit down with us, getting to know us personally and understand our goals, priorities, timeline and lifestyle to not only get us into a house we loved, but to do it without sacrificing our lifestyle.”

Will D. and Kelly B. - First Time Buyers

“I fondly dubbed Sonia ‘Queen of Everything!’ She truly is! She will stand by your side throughout the entire process, always with an answer and a smile! We are clients for life!”

Lisa F. -Real Estate Investor

“I wouldn’t have wanted to work with anyone else and have already recommended Sonia! She is truly a friend and Realtor for life!”

Kim P. - Seller

AND MORE... ”We know when we work with Sonia that even the smallest of contract details will be correct and that she will always keep us well informed of everything that’s happening so that there are no last minute surprises.“ Michelle T. - Loan Partner with Zenith Home Loans, LLC

“We highly recommend Sonia Shakeshaft! She was very professional, reassuring and helpful through the overwhelming process of downsizing and moving out of our home of twenty years.”

Ray and Diane W. - Sellers

“Sonia is the most caring and attentive business professional we have ever had the pleasure of working with. Her relentless effort to do what is best for her clients is unprecedented.”

Rich and Ann B. - Sellers Relocating Out of State

“After moving to a new city, going through the process alone can be daunting, but fortunately Sonia and her team made me feel right at home. She genuinely cared about me and treated me as part of her family.”

Jenn M. - First Time Buyer

BRINGING VALUE TO THE LIVES WE TOUCH AND THE COMMUNITIES WE SERVE

CORE VALUES

TEAM | The power of ‘one’ results in a powerful team. Teamwork is expected at every level of our company.

BELIEVE | We believe in people who believe in themselves. We believe in people who want to grow personally and professionally.

PASSION | We have a passion for integrity, fairness and excellence. We succeed when we surpass our expectations.

ATTRACT | We strive to attract the best agents and staff. We provide our Realtors® and clients the right technology, tools, services and marketing advantages to help them meet their goals.

CULTURE | We believe in an environment of mutual respect and courtesy. We provide an environment of support and training.

TRUST | We trust our leadership to make decisions that are best for every level of our company.

MY ROLE AS YOUR REAL ESTATE PROFESSIONAL

REALTOR® The term “REALTOR®” is a registered collective membership mark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION OF REALTORS® and abides by its strict Code of Ethics.

YOU

One of the most important choices you make in buying your home is your decision to obtain the services of a Realtor®; a professional that is trained and qualified to help you with such an important purchase. At RE/MAX Professionals, all of our agents are Realtors®!

SELLER’S AGENT

BUYER’S AGENT

TRANSACTION BROKER

TRANSACTION BROKER

when selling my listing

when selling my listing

You have a choice in who represents you... and what your relationship with that person will be.

THE COST OF

RENTING VS. BUYING

Percentage of Income Needed to Afford Median Rent

25.8%

28.9%

Percentage of Income Needed to Afford a Median Home

21.0%

15.7% Source: Pulsenomics Q$ 2017

If you are renting and you think you can’t afford a home...

Think again!

BUYING COSTS SIGNIFICANTLY LESS THAN RENTING! Either way you’re paying a mortgage, why not have it be YOURS?

The choice between renting or buying a home has typically been viewed as overwhelming.

Looking at the percentage of income needed to rent a median-priced home today (28.9%) vs. the percentage needed to buy a median-priced home (15.7%), the choice becomes obvious.

Every market is different. Before you renew your lease again, consider whether it’s a better financial decision to invest your hard-earned money in purchasing a house to build equity towards your future.

We are always here to help answer your questions about the current market!

BENEFITS OF HOME OWNERSHIP EQUITY APPRECIATION Home values have a welldocumented history of going up over time. This increase becomes equity you can benefit from when you refinance or sell.

TAX SAVINGS The government rewards homeowners by providing excellent tax benefits. The interest paid on your mortgage and other home related expenses can generally be deducted from your income.

HAPPINESS The feeling of owning your own home is unmatched. You can fix it up, make it your own, get a dog or plant a tree if you want. Doesn’t that sound exciting?

Renting has often been compared to paying 100% interest, but when you own a home and a mortgage is in place, a portion of your payment goes toward the principal balance on your loan. This builds your equity and acts as a savings account.

ROOTS

People who own rather than rent stay in their homes four times longer. This provides an opportunity to get to know your neighbors and connect with your local community.

EDUCATION Resarch shows children of homeowners earn higher test scores and graduate at a higher percentage than those of renters.

PRE-APPROVAL There is no set definition in lending that outlines “pre-approval” vs. “pre-qualification”. Only one of these can almost certainly guarantee that you will never experience unplanned hurdles, surprises, delays and stress after you’re under contract, as both are not created equal.

LOCAL LENDERS OFFER INSIGHT, KNOWLEDGE AND EXPERIENCE IN OUR MARKET. ADDITIONALLY, THEY ARE AVAILABLE OUTSIDE OF REGULAR BUSINESS HOURS TO SUPPORT OUR OFFER NEGOTIATION. DO YOUR HOMEWORK BEFORE USING A BIG BANK, OUT-OF-STATE OR ONLINE LENDER.

VS

PRE-QUALIFICATION

Pre-Qualification WITHOUT Credit Review – Your credit report, income, assets and employment documents are not requested from the appropriate resources or bureaus. Rather, the lender will request this information from you verbally over the phone or allow you to input it into their Web site form.

– The loan officer relies on this information alone and deems it to be accurate and reliable. This assumption ultimately determines your ability to obtain financing based on what is believed to be true. This is NOT a completed pre-approval.

Pre-Qualification WITH Credit Review – Income, assets and employment documents are not requested from appropriate resources, though a credit report IS pulled and reviewed by the loan officer. Like above, income, assets and employment information are provided verbally or via form, by you. Income is assumed to be guaranteed salary etc.

– Problems or delays are apt to arise in this scenario in a multitude of ways.

Surprises on pay stubs, tax returns and bank statements are not uncommon and can lead to last minute documentation requests and challenges in verifying income and assets. This can result in your closing being postponed due to complications in financing or a lack of financing entirely, thus NO closing. This is NOT a completed pre-approval.

Pre-Approval WITHOUT Underwriting Review – Your credit report is requested from the appropriate bureaus and reviewed by the loan officer.

– Income, employment and asset DOCUMENTATION IS OBTAINED and reviewed by the loan officer. This means your employer is contacted directly, if necessary, to obtain accurate and verified employment and income information. All documents, even those provided by you, are official documents containing verified and true information.

– The loan officer places this information into an automated underwriting system and processes the file.

– A live underwriter has not yet seen or reviewed this file. Rather, they are the person who will later issue your final pre-approval when the time comes. This is NOT a completed pre-approval.

Certified Guaranteed Approval – Your loan application is reviewed by your lender’s live underwriter, including a full and complete review of credit, assets, income and employment. All information received is verified and deemed to be accurate.

– Your conditional approval is issued by the underwriter. This means that any conditions that may be needed for your final approval have already been cleared.

– Aggressive offers, quick closing timelines etc. are now viable tools/ incentives that you may be able to use to your advantage when negotiating an offer on your dream home! You can have 100% confidence in being able to close on time, under budget, with no surprises. THIS IS A COMPLETED PRE-APPROVAL.

Giuseppe Battaglioli Mortgage Loan Originator Zenith Home Loans, LLC mydenverhomeloan.com

THREE REASONS WHY IT’S IMPORTANT TO BE PRE-APPROVED BEFORE SHOPPING FOR YOUR NEW HOME: Competitive Advantage Stand out from the crowd! With today’s low inventory, every advantage you can capture to make a strong impression to sellers is important. One of the best ways to set yourself apart from others is to present a pre-approval package with your offer. It shows that you’re serious about purchasing a home, have a strong team in your corner and is one less potential uncertainty for both sides.

Accelerate the Process Being pre-approved prior to shopping can ultimately speed up the process once you begin looking. This step solidifies your borrowing capability, checks off an item from your to-do list and means you’re ready to go when it comes time to submit an offer. In today’s competitive arena, being prepared to put your best foot forward when the time comes may be what will help you win the home of your dreams.

Know What You Can Borrow and Afford Knowing your budget, what you can afford and how much you’re eligible to borrow makes all the difference when shopping for your future home. Having answered these questions will help you to feel confident as you go through the process and ensure that you’re searching in the right areas and within your comfort zone.

REALTORS HAVE ESTABLISHED RELATIONSHIPS WITH TOP TIER LENDERS IN YOUR AREA! CHOOSING A TRUSTED REALTOR FIRST WILL BE KEY FOR THAT INTRODUCTION AND ESTABLISHING THE STRENGTH OF YOUR TEAM!

Freddie Mac sets out the advantages of pre-approval on their website: “It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford. It can help you move faster and with greater confidence in competitive markets.”

Bottom Line The fastest path to home ownership is often defined by tackling the necessary steps to become pre-approved early in the process.

NOW COMES THE FUN PART! I will set up real-time new listing update emails, so new homes on the market that meet your criteria will be delivered to your inbox right away.

Draw a box around the Denver metro area you’re interested in on our mapbased property search engine at www. homesbythepros.com to learn about homes and new construction, and get info about the community, schools, shopping and much more. I’ll set up our showings at properties that meet your needs.

While previewing a home or new construction, I encourage you to take notes to narrow down your top three favorites after each home or model. This will help make your final decision easier.

WWW.HOMESBYTHEPROS.COM

YOU DO NEED A REALTOR FOR NEW CONSTRUCTION! I am often asked, “Should I use a Realtor if I’m interested in buying new construction from a builder?”

The short answer is you absolutely need this partnership and here are the main reasons why: Register - If you want to be sure you have someone looking out for your best interest, tell the builder on your very first visit that you are already working with a Realtor, or don’t visit without me. If you do not communicate this information upfront when you are buying new construction, I won’t be able to represent you and watch out for your best interest. I have 22 years of experience in new construction and there’s a good chance I already have a working relationship with the builder and knowledge of the community in which you are interested.

Representation - No matter how nice and friendly they are, the builder employees represent the builder’s best interest, not yours. I represent your interest and advocate on your behalf. Additionally, I will help you get the most value for the least amount of money and make the real estate transaction easy and frustration free.

What You See is Not What You Get - Touring model homes is always fun! The challenge is that the model isn’t the base price of $500,000 that is being advertised. Rather, it’s likely $600,000 or greater because of the lot premium and all the upgrades. Top tier cabinets, countertops, backsplashes and flooring, upgraded appliances, built-in bookshelves, crown molding and tray ceilings are usually upgrades, and they add up. Many are designer upgrades and not offered at all. I will help make sure you’re aware of what’s included in the base price and what’s extra so your expectations are spot on. My business savvy will also come in handy in helping you determine what is best to purchase after the build, instead of paying the builder mark-up, as long as your cash position allows.

Negotiations - Even good negotiators have told us they are more effective when they negotiate for other people than they are when they negotiate for themselves because they don’t have an emotional connection to what they’re buying. I will look at the transaction from a dollars and sense perspective without being swayed by emotions. I also know what is and what is not negotiable. As you can imagine, it varies by builder. Builders are far more likely to negotiate on fees or upgrades than they are on price. Sales prices are recorded in public records, thus base price negotiation is seldom seen, as it will impact future sales.

I will help guide you through negotiations and ensure you are getting the most for your money.

Builder Incentives are Not All Created Equal - Some builders offer greater incentives than others. This is often not an apples to apples comparison without looking at their full pricing strategy and how they allow the incentives to be applied.

For many years, one local builder provided $50,000 incentives. Their homes couldn’t appraise without the markdown and their design center upgrades were at 200% of cost. It wasn’t a greater incentive than another builder who was offering $15,000 with a more appropriate base price and lesser upgrade markups. You are also entitled and encouraged to have an appraisal done prior to closing and most lenders will require it to serve as additional confirmation of value.

Agent Fees - Buyers do not pay the Realtor fees, the seller or builder does. Builders view commissions to real estate agents as part of their cost of doing business. In fact, they rely on outside agents to bring clients to them. Builders will not credit buyers the commission they would otherwise pay to a Realtor. If they were to do so, Realtors would no longer bring clients through builders’ doors and ultimately it would impact their future sales. Therefore, there is no downside and no cost on your end to having an experienced Realtor like me to represent you.

MORE ABOUT NEW CONSTRUCTION

Contract - How familiar are you with a real estate contract? Builder contracts are very builder centric and are a different animal than resale contracts. Do you know what to look for to make sure you are receiving all the benefits you’re supposed to receive? Are you aware of any hidden fees or community fees? I am an expert in the industry and am engaged in providing guidance throughout the real estate transaction. I review real estate contracts regularly and know what to look for to ensure everything is correct prior to signing.

Get Everything in Writing - Any concessions or guarantees provided by the builder should be confirmed in writing. Do not sign any paperwork or contracts without ensuring everything you’ve agreed upon, including upgrades, fees, timelines etc., is incorporated into the contract. If you skip this step, the builder does not have to deliver what they agreed upon and you will have no recourse. That’s why you have me! I will ensure all agreed upon terms are included in the contract.

Quality of Construction - What is the reputation in the community regarding the builder? What is the quality of their construction? Previous/future land uses? Resource availability? Taxing districts? Neighborhood build-out timing? Other risks including location within the community? I know many additional questions to ask. There are hundreds of builders in the Denver metro area. I am familiar with all the major builders and their quality of work. With today’s shortage of licensed/qualified contractors and tradesmen, it is often not what it used to be and construction delays are frequent. I will attend scheduled and unscheduled walkthroughs and meetings with you, and I know what is right from wrong. I will help you navigate the process.

Inspections - You may want to consider a home inspection when buying new construction. The builder doesn’t necessarily want to promote inspection of their product, although you’re entitled to do so. Often times, homeowners think a new home warranty will cover any issues that arise. In certain instances, it does not. I have relationships with multiple independent inspectors who will look out for your best interest. I will even help you set the appointment with the inspector and review the inspector’s report to identify potential areas of negotiation, correction, repair or replacement with the builder. It is important to note that even the city/county inspectors miss things. Just recently, I’ve seen overdriven exterior nails allowing water intrusion, metal electrolysis causing rusting, unpainted spaces, incorrect tub/shower surround backer board, improperly installed LVT flooring, missing optional windows and an uninsulated attic, just to name a few.

NEGOTIATING YOUR OFFER HOW TO STAND ABOVE THE CROWD IN A COMPETITIVE MARKET: EXPERIENCE The experience and strength of those on your team can affect the accuracy, cleanliness, completeness and presentation of your offer package. This will often have a direct impact on the seller’s perception when reviewing your offer.

REPUTATION WITH OTHER AGENTS Years in the industry means that I have worked with many of the top agents and industry professionals in the area. A proven track record of smooth and flawless transactions may be the difference maker in competition.

RELATIONSHIP BUILDING Chemistry! Creating an instant bond between all parties through compliments, respect, commonalities and history is vital to the process.

COMPETITIVE STRATEGY Timing and knowledge are crucial when in competition! Knowing when to submit your offer, as well as how to structure that offer to best meet the needs of all parties involved, while also setting yourself apart from the crowd, can be the difference between winning and losing.

CONSIDERATIONS Details, details, details. Proper use of competitive tools like escalation clauses, appraisal clauses, delayed possession and post-closing occupancy, coupled with effective pricing strategies and streamlined dates and deadlines, are a great way to stand out.

CONTRACT TO CLOSING, WE’RE HERE FOR YOU A lot happens between an accepted contract and closing, and we’ll be there for you every step of the way.

We’ll keep you educated and up to date on contract requirements with regular progress reports, update you with any addendums and changes, and predict potential hurdles so we can avoid them before they happen.

BEHIND THE SCENES

WHAT DOES YOUR AGENT DO AFTER YOU’RE UNDER CONTRACT? • I deliver earnest money to the title company on your behalf, collect the receipt and provide to you and the lender.

• I provide, explain and review all seller disclosures with you. Once signed, I will turn in all contract and disclosure documents to our office. I will provide appropriate documents to the lender and verify that the title company has also received required documents from the listing agent.

• I will prepare you for what to expect from the inspection process and coordinate scheduling. I also facilitate drop-off times for additional/optional testing and secondary inspectors for specialty items. I attend all inspections and provide helpful hints and strategic insight throughout.

• I review due diligence documents and your complete inspection report with you and guide you through the process of properly drafting your request for repairs. I then spearhead the negotiation process for these items, advocating on your behalf.

• I verify that the lender has ordered the appraisal and ensure that the appraisal timeline aligns properly with your closing timeline and that any appraisal conditions are addressed.

• I will review the title commitment and other title related documents as well as HOA documents and the HOA status letter. I ensure that any title or HOA related conditions are properly addressed and cleared prior to deadlines.

• I monitor inspection related repairs being performed and ensure that all items are completed properly, as agreed upon and that all necessary documentation, permits, warranties, invoices and paid receipts are comprehensive and provided as requested. I will provide these to the lender and/or title company as necessary to ensure any credits to you. This will also make certain any items being paid from the seller’s proceeds, or held in escrow, are accounted for.

• I verify and compare figures from both the lender and title company to ensure accuracy. Once figures are finalized, I will provide and review all numbers with you prior to closing.

• I coordinate the time and place of closing and perform the final walkthrough with you prior to closing. This verifies the condition of the home and that all inspection items were properly addressed as agreed upon.

• I provide you with contact and process information regarding potential post-closing needs to include utility transfers, trash pick-up, home warranties and other relevant contractors.

WHAT DOES YOUR LENDER DO AFTER YOU’RE UNDER CONTRACT? • Provides updated loan figures specific to the property and introduces you to the loan processing team.

• Gives advice regarding locking in your interest rate once you’re under contract on a home and locks your rate if is advisable to do so at that time.

• Provides required loan disclosure documents for your signature based on the loan type.

• Orders any third party documents relevant to appraisal, flood zones, title work, homeowner’s insurance, condominium approval etc.

• Requests and updates any aged documents (pay stubs, bank statements etc.) prior to submission to underwriting for initial review.

WHAT DOES YOUR TITLE COMPANY DO AFTER YOU’RE UNDER CONTRACT? • Receives fully executed contract and orders title work.

• Educates buyers and sellers on wire fraud.

• Collects all processing information from Realtors and sellers (lien payoffs, HOA/tax information, judgments/IRS payoffs, commissions etc.) as well as lender information.

• Processes file for closing and obtains all appropriate documentation required for closing.

• Engages appraiser to perform home visit after inspection has been completed and resolved.

• Prepares final settlement statement and documents. Reconciles final figures to the original contract and to subsequent amendments.

• Performs final loan review and receives underwriting clear to close approval.

• Orders final water meter reading to be completed on the day of closing, if not included in the HOA.

• Finalizes all loan figures (closing costs, prepaids, cash to close etc.) and provides closing disclosure for signature.

• Closes and funds transaction.

• Wires funds to title company prior to closing.

• Issues final title policy.

• Disburses all documents and funds to the appropriate parties.

WHAT TO EXPECT AT THE CLOSING TABLE 1. The closer will greet clients and make copies of both the buyer’s and the seller’s required identification so they can notarize all signatures.

2. The closer reviews the loan documents with the buyer and has the buyer sign the appropriate documents. This process usually takes about 40 minutes.

3. Any funding conditions are sent to the lender and wait for approval/authorization number (this may add additional time).

4. Real estate documents are reviewed for accuracy and signed, including the warranty deed which officially transfers title from the seller to the buyer (real estate side of the transaction).

5. The buyer and lender provide good funds to the title company.

6. The closer distributes funds to the appropriate parties per the closing instructions from all parties.

7. The closer offers two choices to all parties for how they would like to receive copies of their signed closing documents: • Clients may receive paperless documents via email • Clients may elect to receive paper copies of all documents before they leave the closing.

✓ CHECK LIST OF ITEMS TO BRING TO CLOSING: All buyers and sellers must bring a government issued ID: a valid driver’s license, a picture ID issued by the state, or a valid passport. If there has been a change in marital status, let your closer know immediately. The party whose name has changed will be asked to provide identification reflecting the new name, as well as a marriage license or divorce decree documenting the change. It is helpful to have these items prior to the closing, rather than at the closing table, so the closer can make sure all documents are prepared correctly.

Lenders typically require buyers to have a second form of ID as well, such as a library card or membership card.

In the event of a deceased party, any estate documents as listed in our title commitment, such as death certificate, letters of appointment, or personal representative’s deed.

8. The house keys are transferred.

Colorado law requires that buyers bring good funds to closing. Good funds can be a wire or cashier’s check made payable to the title company.

9. After the closing, the closing agent will immediately record the warranty deed, the deed of trust and any other pertinent documents with the county clerk’s office.

Sellers need to know their social security number (or tax identification number) to complete IRS documents at the closing table.

10. The title policy is generally issued within 30 days of the closing. Buyers will be reminded that this is an important document to expect and to file it with other legal documents.

The seller typically brings house keys to give to the buyer. Other items pertaining to the house are typically left in the house for the future buyer.

Provided by

Land Title Guarantee Company For a List of Office Locations Visit www.ltgc.com/office

What to Expect at the

Note: There may be an opportunity to close separately and/or virtually if requested by buyer or seller.

CLOSING TABLE

1. The closer will greet clients and make copies of both the Buyer’s and the Seller’s required identification so

Disclaimer: This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is distributed with the understanding that the publisher is not engaged in rendering legal, accounting, or other professional service. If legal or accounting advice or other expert assistance is required, the services of a competent professional should be sought. © Copyright, 2016, by Land Title Guarantee Company. (005-0016)

Check List of Items to Bring to Closing: • All Buyers and Sellers must bring a government-

MOVING CHECKLIST Here are some of our best moving tips and a simple timeline that will help you stay organized.

2 WEEKS BEFORE: File a change of address with the postal service.

2 MONTHS BEFORE: Research your new community and contact new schools for registration and childcare.

Arrange for medical, dental and school records to be transferred to your new location.

Create a move file to keep track of quotes, receipts and other important details.

Notify your insurance company (life, health, fire, auto), credit card company and any monthly memberships of the upcoming move.

Arrange for parking of any moving equipment.

1 WEEK BEFORE: Review moving plans to be sure you have all the information you need.

Tell your bank or credit card company about the upcoming charges.

Pack an “essentials” box with items you’ll need upon arrival at your new home.

6 WEEKS BEFORE:

Pack for travel.

Discard any items you don’t want to move to your new home.

Prepare appliances by draining gas and oil to lessen the chances of fire during your move.

Research your moving options. Do-it-yourself or moving company?

Get quotes from moving companies and make a moving budget.

Start packing items. Gather moving boxes and packing materials for your move.

DURING THE MOVE: Clear a path so nothing is blocking the walkway.

Do a final walkthrough of the home to check for left-behind items.

1 MONTH BEFORE:

Make sure utilities are off, doors and windows are locked and notify your real estate agent that you have left the property.

Reserve your move with your moving company.

Call utility services at your current and future locations to cancel and set up service.

Get your personal vehicle serviced so it’s in the best condition before the trip.

AFTER THE MOVE: Clean the new home before unloading items.

Unpack everything and begin organizing.

Pick up any mail being held at the local post office.

Get a new driver’s license and automobile tags.

RE/MAX Professionals and Professionals Miracles Foundation have contributed an average $125,000 annually to Denver metro families to help improve the lives of children diagnosed with a life-threatening illness, faced with a lifetime medical condition or are involved in tragic accidents. We encourage our clients to contribute as well. A portion of each closing I execute goes to Professionals Miracles Foundation and Children’s Miracle Network. The money I raise goes to our local Children’s Hospital and children in need.

Since 1992, RE/MAX has been a proud supporter of Children’s Miracle Network Hospitals.

Thanks to the collective efforts of tens of thousands of RE/MAX Associates who participate in the Miracle Home program by making donations with each real estate transaction, RE/MAX Associates have raised more than $160+ million for kids across North America. Custom designed for RE/MAX offices and Associates, the Miracle System is your one-stop gateway to participation in the Miracle Home program.

PROUD TO BE WITH RE/MAX RE/MAX is the only organization that reached over $160+ million with donations from its workers, from agents, not from the consumer. I believe it’s important to work with companies that give back. That’s a big reason why I chose RE/MAX.

ORGANIZATIONS CLOSE TO OUR HEARTS...

NOW I LAY ME DOWN TO SLEEP www.nowilaymedowntosleep.org

WOUNDED WARRIOR PROJECT www.woundedwarriorproject.org

This organization trains, educates, and mobilizes professional quality photographers to provide beauti ful heirloom portraits to families facing the untimely death of an infant. They believe these images serve as an important step in the family’s healing process by honoring the child’s legacy.

ALZHEIMER’S ASSOCIATION

The project’s vision is to foster the most successful, well-adjusted generation of wounded ser vice members in our nation’s history, raising awareness and enlisting aid, helping service members help each other, and providing unique, direct programs that meet the needs of injured ser vice members.

MULTIPLE SCLEROSIS SOCIETY

www.alz.org

www.nationalmssociety.org The Alzheimer’s Association is the leading voluntary health organization in Alzheimer’s care, support and research. Their mission is to eliminate Alzheimer’s disease through the advancement of research, to provide and enhance care and support for all affected, and to reduce the risk of dimentia through the promotion of brain health.

AMERICAN CANCER SOCIETY www.cancer.org For over 100 years, the American Cancer Society (ACS) has worked relentl essly to save lives and create a world with less cancer. Together with millions of supporters worldwide, they help people stay well and get well, find cures, and fight back against cancer.

The MS Society provides support, care and research for this debilitating disease that affects the central nervous system, disrupting the flow of information between the brain and the body.

This organization connects people living with MS to those who care about them through fundraising and helpful resources for information about the disease.

CHILDRENS’ HOSPITAL

AMERICAN HEART ASSOCIATION

www.childrenscolorado.org

www.heart.org

They believe a healthier tomorrow depends on the work we do today. That good medicine takes compassion, creativity and astonishing scientific achievement.

That’s why they’re driven to reimagine the field of pediatrics and the way we care for kids... today, and every day.

For all Americans, they provide public health education in a variety of ways including CPR education training. They also provide sciencebased treatment guidelines to healthcare professionals to help them provide quality care to their patients as well as educate lawmakers, policymakers and the public as they advocate for changes to protect and improve the health of our communities.

TESTIMONIALS Michelle T.

Will D. and Kelly B.

Loan Partner with Zenith Home Loans, LLC and Buyer

First Time Buyers

“As a lender, working with Sonia is the absolute best!

The care that she takes to ensure that her clients have a smooth home buying experience is evident in everything she does. We know when we work with Sonia that even the smallest of contract details will be correct and that she will always keep us well informed of everything that’s happening so that there are no last-minute surprises. It’s truly a partnership!

When it came time to buying my own home, there was never a moment’s hesitation about who I would call to help me out! Working with Sonia on the other side of a transaction just illuminated all the great things I already knew about her. She was always there to answer any questions I had and she has the BEST referrals. As a new homeowner without much knowledge of home maintenance, it’s so reassuring to know that if I need anything, all I have to do is reach out to Sonia and she’ll be able to give me the names of people she trusts. And if she trusts them, I do too! I haven’t been let down yet.”

Kim P. Seller

“To say I was nervous, anxious or even a little stressed about selling my house of almost twenty years, would be putting it mildly! However, after sitting down with Sonia, my worries went away! She guided me through every step from getting the house ready to go to market, showings and closing! She is a professional, knowledgeable and patient! I wouldn’t have wanted to work with anyone else and have already recommended her! She is truly a friend and Realtor for life!”

Richard A.

Seller and Buyer “Recently, I have both purchased a home in Aurora and sold my condominium in Denver. Without the help of Sonia Shakeshaft I am not sure that either of those things could have been completed. Most of the problems associated with these two transactions were self-inflicted by me. Her thorough and complete understanding of the real estate market in the metropolitan Denver area was so very important in getting to the finish line for both the purchase and the sale. Because of some personal circumstances, it was necessary for me to make this change. With Sonia’s contacts, I was able to get my condominium deep cleaned, repainted and carpet replaced to make the very best presentation possible. Because of the choices I made for the financing, we were put through some rather incredible hoops to get to the home closing on time. Sonia’s experience working with finance companies and title companies was incredibly valuable for both the sale and purchase closings.

Sonia has not only helped me matriculate this sometimes stressful process, but she also became a wonderful friend.”

“We first met Sonia after being referred by one of Kelly’s teaching colleagues who recently bought and sold her home with Sonia’s help. The review we received was stellar and I think that was underselling it! Sonia took the time out of her schedule to sit down with Kelly and me, getting to know us personally and understand our goals, priorities, timeline and lifestyle to not only get us into a house we loved, but to do it without sacrificing our lifestyle. When it came time to do walkthroughs, Sonia is a rock star. She has such tremendous knowledge of the area and what problems to look out for in each geographic region. She showed up to each home prepared with not only details of the home, but quickly gathered info on who the sellers were and what their selling situation was, which became a vital part in submitting an attractive offer. Despite hearing stories from friends and coworkers about how hard the process can be, Kelly and I couldn’t have asked for a smoother process, and we can’t wait to invite Sonia to our housewarming party!”

Ray and Diane W. Sellers

“Sonia is a fantastic RE/MAX Professionals real estate agent. We highly recommend her! She was very professional, reassuring and helpful through the overwhelming process of downsizing and moving out of our home of twenty years. Our home sold over a September weekend with three showings and two offers, with one at full asking price. Sonia’s referrals from stager, to handyman, to movers were excellent.

Her knowledge of the process is amazing. Her patience is boundless. Closing went quickly and painlessly. We consider ourselves very fortunate to have met her.”

TESTIMONIALS cont’d Jenn M.

Tracy W.

First Time Buyer

Seller and Buyer “Sonia goes far beyond being a real estate agent. She is an exemplary professional and an invaluable support in the home buying and selling process. It had been some time since I had purchased my first home. I was so grateful for Sonia‘s responsiveness, patience and ability to educate me on new elements of the buying and selling process.

Sonia’s immense flexibility and diligence made the entire process extremely low stress. She helped me think through what my family needed most in our new home and took great care of us. The incredible network of other professionals with whom she collaborates was so helpful, as renovations to our home were needed before it could be sold. I just can’t speak highly enough of how much I value and respect Sonia’s expertise!”

Rich and Ann B.

Sellers Relocating Out Of State “Sonia is the most caring and attentive business professional we have ever had the pleasure of working with. Her relentless effort to do what is best for her clients is unprecedented. Her experience, industry knowledge, strong negotiation skills and personalized attention assured us throughout the process that we were in good hands. Sonia goes above and beyond every step of the way. She displays an enthusiasm and high level of energy through her work and always does everything in her power to do the right thing and serve her clients’ best interests. No doubt, she is the agent to have on your side! Even when buying a home in Texas, others commented, ‘You were spoiled with the best Realtor in Colorado. Finding another Sonia will be next to impossible.’ Sonia made our buying and selling process stress-free and a true pleasure! She gets our highest recommendations!”

Giuseppe B.

Mortgage Loan Originator with Zenith Home Loans, LLC “I have been working with Sonia for over seven years. One thing I can always count on is the purchase transaction going smoothly. Her experience makes her excellent in everything she does, from finding homes that meet her clients’ needs, to sharp negotiations, to bulletproof contracts and deadlines. On top of that, she also does something I’ve never seen any other Realtor do. She takes the time to come into our office during our buyer consultation to help educate the buyers on all of their options and to discuss their home buying goals as a team.

Taking this step results in buyers that are more educated, confident and excited to find their home. We then work together to make their offer as powerful as possible so that the buyers have the best odds of getting their offer accepted in Denver’s competitive market. Most importantly, her heart is in the right place and she gives her all to her clients!”

“I cannot speak highly enough of my experience with Sonia Shakeshaft. I was a first-time homebuyer with very little knowledge of the Denver market or how to find the right place. After moving to a new city, going through the process alone can be daunting, but fortunately, Sonia made me feel right at home. She genuinely cares about you and treats you as part of her family.

Not only is she patient and kind, but she puts her client’s happiness above all else. One of the first things I noticed was her true passion for helping others and she works ‘round the clock to do so. I was able to find my dream home close to work, in an area I love, with the perfect back yard for my nine-year-old lab, Molli. I couldn’t have asked for a better experience and it’s a memory I will cherish forever. Thank you, Sonia, for being a friend I could depend on during one of the most important life decisions I have ever made. It’s not often you come across people who positively impact your life in so many ways. If you are looking to purchase a home, you will not find anyone more trustworthy and experienced than Sonia Shakeshaft. I’m beyond grateful to have had her on my side during the home buying process and if I ever move again, she will be the very first person I call.”

Pablo and Renis M. Sellers

“The sale of our house feels like a miracle! Thank you for getting it sold! Your methods of attracting buyers worked! We were blown away to have four offers made on the house in the first day. You are the best!”

TESTIMONIALS cont’d Danny M.

First Time Buyer “I’m thrilled to be able to write a testimonial for Sonia Shakeshaft to express the fantastic experience I had when buying a home in the Denver/Aurora area. I was referred to Sonia by my family’s RE/MAX agent in Colorado Springs and I am so glad I was. Sonia knows the Denver market very well, has seen it through its highs and lows, which proved to be significant.

Within the first week, I learned that Sonia and her team really support their clients in the fast paced Denver market. Immediately, I was set-up with an online tool to look at houses that met my initial targeted area and price range. Having an engaged agent allowed me the opportunity to see properties on my schedule, before they vanished off the market.

Sonia does an especially great job learning her clients’ personalities. I’m not a particularly vocal person, but she was able to understand the type of home and neighborhood I would be comfortable with in only a matter of days. What I appreciated most is the fact that Sonia gently guides her clients to the market that suits them best.

Having an experienced agent proved to be extremely valuable when we found a home that I liked, especially with how quickly things move in the Denver market. Sonia artfully crafted an offer, after asking me what my comfort level was with various aspects that go into the offer (time of possession, escalation clauses, etc.) and delivered it to the listing agent very quickly. She knows a lot of the agents in the Denver area, and since she knows what they look for in an offer, she was able to tailor our offer to best position us for success.

As the Sellers considered their offers, Sonia made sure to keep me updated and informed on what to expect each step of the way. Thankfully, they accepted my offer and I am so thrilled they did. Throughout the inspection, appraisal and closing process, having Sonia there to answer my questions was tremendously valuable.

I can’t say enough good things about my experience. If anyone is looking for a great agent to support them in a very important life decision, Sonia is one of the most friendly, knowledgeable and supportive real estate agents in the Denver metro area.

Thank you, Sonia!”

S. and V. C.

Relocation Buyers “As a couple with quite a bit of experience in purchasing homes and other properties over the past decades, we have engaged the services of many different real estate brokers. In all the real estate transactions that we have made, we can say without hesitation that working with Sonia Shakeshaft was the most positive experience we have ever had.

Sonia has a team of specialists working with her and all together they made our recent purchase flow flawlessly and timely. We had some unique circumstances to consider and she was able to offer expert advice to meet our challenges. In addition to helping us hone in on an area within our budget, she also directed us to the best mortgage company that we’ve ever worked with, as well as a top notch property inspector.

Sonia has been in the real estate business for several years and her experience shows. Always on top of deadlines, Sonia kept us informed every step of the way. We have never had the pleasure of working with a broker so dedicated to her clients as she is.

We looked forward to the time spent with Sonia, whether it was during our search for properties or at the closing table. She has a great sense of humor on top of her warm personality. She took a genuine interest in us and made the process so much fun! We have closed on a home, but have opened up a lasting friendship that we have developed by working with her.”

TESTIMONIALS cont’d Lisa F.

Real Estate Investor “My husband, Dave, and I have worked with Sonia Shakeshaft on four different real estate transactions (and counting!) over the past four years. Each one has been quite a unique situation and each has worked out fabulously. We are real estate investors and are in the process of selling these assets over time.

Sonia has helped us with the sale of three of these properties and the purchase of a home using a 1031 Exchange into which we will ultimately move. These sales included a 600 square foot,100 year old house, an older home in a tough but up and coming neighborhood for which she was able to get us $25,000 more than the asking price, a challenging four-plex property with four challenging tenants in a challenging neighborhood and then buying an incredibly beautiful patio home that we will retire to in the next couple of years. Each of these transactions was amazingly smooth and the reason for this is two-fold; her amazing level of service and her depth of knowledge.

Sonia knows how to evaluate a home accurately and determine what needs to be done to get the best price, how to market a property to bring in buyers even in unique situations and answer any possible real estate question you might have along the way with just the right amount of detail. Also, she has the most extensive network of professionals that can help in any situation, whether you need a mortgage broker, a plumber, a roofer, an electrician, an HVAC professional, a contractor, a window company, an insurance professional and even a tenant. Yes, it’s true! Sonia connected me with the tenant that is going to live in our dream retirement home until we are ready to move in ourselves!

It was right after this happened that I fondly dubbed her ‘Queen of Everything!’ She truly is! She will stand by your side throughout the entire process, always with an answer and a smile! I can think of no one I would rather have by my side when buying or selling a home/ investment.

Sonia is knowledgeable, kind, service-focused, patient, quick to respond, fun, positive and energetic. What more could you ask for in a real estate agent? We are clients of Sonia Shakeshaft and Company for life!”

Nate T.

Grandson of Seller “My family has used Sonia for numerous home and condo sales in the past and having been closely related to the industry throughout my career, I told my family that good Realtors are ‘a dime a dozen.’. Well, I have been proven COMPLETELY wrong because of all of the Realtors I have personally hired in the past, NONE has even come CLOSE to comparing to the service, attention to detail and guidance as a professional advisor that Sonia provided as my Realtor.

I am simply amazed at how well Sonia listened to our requests as sellers for our grandmother’s house and knew when to provide a ‘push’ when we needed it on making decisions. She went to bat for us on several occasions to protect our grandmother’s interest and strived to go above and beyond for getting us quality contacts not only in relation to contractors, but also for an attorney and accountant for my grandmother’s needs.

Sonia knows the real estate game better than any Realtor I have met, hands down. She made sure that we received top market dollar for our grandmother’s property, while minimizing the costs to us. Additionally, the strategies she used attracted multiple offers within ONE WEEKEND, WELL ABOVE our asking price. Even though the market was fairly well positioned to sell, I was nervous we wouldn’t be getting what we wanted. I truly think that Sonia always had a backup plan or two for us.

I will ALWAYS refer Sonia to anyone looking to buy or sell property and if the sale is out of her wheelhouse, I am extremely confident that she will be able to provide a solid contact that can assist. The saddest part of the transaction being finalized... I won’t be getting to chat at length on a regular basis with a truly great person that I am HONORED to call my friend!

THANK YOU SONIA!!!!”

THANK YOU for your time and for considering our team in helping you with the important task of finding the perfect home. If you should have any questions as you review this information, please feel free to contact me.

SONIA SHAKESHAFT RE/MAX Lifetime Achievement Award RE/MAX Hall of Fame Broker Associate C: 720.936.4663 E: Sonia@ShakeshaftAndCompany.com

www.ShakeshaftDenverRealEstate.com

1745 Shea Center Drive, Suite 100 Highlands Ranch, Colorado 80129