Ninja/AutoFlow Program

SAY HELLO TO AUTOFLOW

AUTOFLOW Did you know?

• There are 15 transactions per year for every 100 households we know. Our mission each day is to discover and help people with those transactions.

• Somewhere between 85% to 88% of past buyers and sellers say they would refer you or use you on their next transaction, but only 12% to 25% actually use the same agent!

• Each household in your database is worth $1,000 per year ONLY if you stay in touch.

• Only 6% of Realtors actually stay in touch with past clients, so turn your database into an income gusher!

• For $2 per household per month, you can stay “Top of Mind” with your past buyers and sellers and everyone in your SPHERE. When someone makes the decision to buy or sell a home, you’ll want to be the trusted real estate professional that comes to mind!

With AutoFlow, your database will receive three touches per month or 36 touches each year—enabling you to be that person.

AUTOFLOW How does it work?

• The Company sends 3 marketing pieces per month, two hard copies (postcard and/or mailer) and one eCard.

• You provide the database (households) you’d like to set up on AutoFlow–a minimum of 50 households which must include you. There is no maximum.

• The Company deploys the marketing collateral which is branded to you. It’s that easy!

• You can update your AutoFlow database once per quarter.

• You’ll be billed $2.00 per month per household through Accounting.

• To participate in the program, you must have a valid credit card on file.

AUTOFLOW What are the marketing components?

• eCards • National Market Reports • Regional Market Reports • “Local Friends” Value Postcards • Philanthropic Postcards including Backpack Challenge and Dreams Come True • Berkshire Hathaway HomeServices Awards Postcards including Most Trusted Brand, J.D. Power and other timely information.

AUTOFLOW ECARDS

AUTOFLOW POSTCARDS LOCAL FRIENDS

FROM FIRST PITCH

BUY UP TO 4 TICKETS GET UP TO 4 FREE! Talk about a Home Run!

to Fireworks...

Nothing says home like an evening at your local baseball grounds. For a limited time, enjoy up to four Reserved Box Seats or General Admission Tickets with the purchase of four tickets of the same value. Talk about a home run!

Compliments of

As your trusted real estate advisor, I am grateful to have clients like you! Connect with me today.

Ashley Agent REALTOR® 904.000.000

ATER, SEE YOU L OR! ALLIGAT

Ashley Agent, REALTOR® 000.000.0000 Cell Email@FloridaNetworkRealty.com Website.com

TO REDEEM: Buy up to (4) Four Reserved Box Seats or General Admission Tickets and Get up to (4) Four Tickets of the same value FREE. Offer NOT valid on Opening Day Wednesday, April 11th and Independence Fireworks Tuesday, July 3rd. Offer expires 9/3/18.

For a limite d time, w hen you buy on e full pric admission e at $25.99 yo u’ll get anothe r admission

FREE!

Cannot be combined Not valid with other at Cro off present cou codile Crossing. ers.

Must pon. Expires 9/30/18.

What Augustine Alligator Farm A member of thedo franchisethe system ofSt. BHH Affiliates, LLC and Berkshire Hathaway HomeServices Florida Network Realty have in common?

Together, we actively support our local community and businesses. So, we’re excited to extend this limited time opportunity to you. Enjoy!

123 Your Office Address Your City, FL 00000

As your trusted real estate advisor, I am grateful to have clients like you! Connect with me today!

Ashley Agent REALTOR® 000.000.0000 Cell Ashley.Agent@FloridaNetworkRealty.com AAgent.FloridaNetworkRealty.com

COMPLIMENTS OF Ashley Agent REALTOR® 904.000.000

TO REDEEM:

Must present this coupon. Cannot be combined with other offers. Valid for one offer per coupon. Not valid for Crocodile Crossing Zipline. Offer expires: 9/30/18

A member of the franchise system of BHH Affiliates, LLC. Equal Housing Opportunity.

One for the money.

Two for the show.

Purchase two tickets for an evening at the iconic Alhambra Theatre & Dining.

And get two more for FREE.

We are partnering with Alhambra Theatre & Dining and invite you to enjoy the show!

For more than 50 years, the iconic Alhambra has been making memories in Jacksonville. Purchase two tickets for a fabulous 3-course dinner, Broadway show and parking – and get two additional tickets, free!

As your trusted real estate advisor, I am grateful to have clients like you! Connect with me today!

Ashley Agent

Compliments of Ashley Agent REALTOR®

REALTOR® 904.000.0000 Ashley.Agent@FloridaNetworkRealty.com YourWebsite.com

904.000.0000 TO REDEEM: Order by phone at 904.641.1212 or at our website: https://sales.alhambrajax.com Purchase two tickets and receive two additional tickets FREE! Valid Sunday through Thursday only.

Not valid for our Music Series or other special events. Cannot be combined with other offers. Does not include gratuity.

Offer expires: 11/17/2018 A member of the franchise system of BHH Affiliates, LLC. Equal Housing Opportunity.

123 Your Office Address Your City, FL 00000

123 Your Office Address Your City, FL 00000

AUTOFLOW POSTCARDS LOCAL FRIENDS

WE WANT TO MAKE YOU A HERO. Or any other small sub. For FREE!

What do Firehouse Subs and Berkshire Hathaway HomeServices Florida Network Realty have in common?

Both companies actively support our local community and businesses—and our Heroes. So we’d like to extend this limited time offer to you. Present this postcard to receive one small sub of your choice, when you purchase a medium drink and chips.

123 Your Office Address Your City, FL 00000

To learn more about how Firehouse Subs helps our heroes, visit www.FirehouseSubs.com/Public-Safety-Foundation To speak with your trusted real estate advisor: Call <Agent Name> today at:

Compliments of Ashley Agent REALTOR® 904-000-000

Ashley Agent, REALTOR® 000.000.0000 Cell YourEmail@FloridaNetworkRealty.com YourWebsite.com

TO REDEEM: Purchase a medium drink and chips and get a FREE small sub. Valid with coupon at participating restaurants in Duval, Clay and St. John’s counties. Prices and participation may vary. See restaurant for details. Limit 1 per customer, per visit.

Not valid with any other offers.

Offer expires November 11, 2017 Offer Code: SUB$COMBO A member of the franchise system of BHH Affiliates, LLC

We are partnering with Whit’s Frozen Custard to share this delicious treat with you!

Whit’s will you choose, one scoop or two?

And for a limited time... get 20% off your purchase!

Compliments of Ashley Agent

Here in Northeast Florida, we know a thing or two about ice cream... but when it comes to frozen custard, nothing beats Whit’s Frozen Custard! And for a limited time, you are invited to enjoy 20% off your purchase. Stop by one of their five locations for your next scoop!

123 Your Office Address Your City, FL 00000

As your trusted real estate advisor, I am grateful to have clients like you! Connect with me today!

Ashley Agent, REALTOR® 000.000.0000 Cell AAgent@FloridaNetworkRealty.com AAgent.FloridaNetworkRealty.com

REALTOR® 904.000.000 TO REDEEM: Bring postcard to any Whit’s Frozen Custard location in Northeast Florida at time of purchase. For store locations, please visit www.WhitsFrozenCustard.com. Not valid with any other offers. Good until January 31, 2019.

A member of the franchise system of BHH Affiliates, LLC

We are partnering with the World Golf Hall of Fame to share this special offer with you!

CELEBRATE GOLF’S

Greatest LEGENDS

We are so fortunate to live near some of the greatest golf courses in the Nation. For a limited time, you are invited to enjoy a free admission to the World Golf Hall of Fame.* Come Celebrate Golf’s Greatest Legends!

BUY ONE, GET ONE FREE ADMISSION*

As your trusted real estate advisors, we are grateful to have clients like you. Connect with us today!

FREE ADULT ADMISSION WITH THE PURCHASE OF ONE FULL-PRICED ADULT ADMISSION.

Team Name REALTORS®

worldgolfhalloffame.or g

904.000.0000 904.000.0000 TeamEmail@FloridaNetworkRealty.com TeamWebsite.com

COMPLIMENTS OF

TEAM NAME REALTORS® 904.000.0000

ARNOLD

PALMER

*TO REDEEM: Free adult admission with the purchase of one full-priced adult admission. Valid until May 31, 2018. Cannot be combined with any other offers.

A member of the franchise system of BHH Affiliates, LLC

123 Your Office Address Your City, FL 00000

AUTOFLOW POSTCARDS LOCAL FRIENDS

We are partnering with Artsy Abode to share this delightful offer with you!

Smiles abound at Artsy Abode! And for a limited time, you are invited to enjoy 20% off your entire purchase at all Artsy Abode locations.

123 Your Office Address Your City, FL 00000

As your trusted real estate advisor, I am grateful to have clients like you! Connect with me today!

Compliments of Ashley Agent REALTOR® 904.000.000

Ashley Agent, REALTOR® 000.000.0000 Cell Email@FloridaNetworkRealty.com Website.com

TO REDEEM: In store only. Not to be combined with any other promotion. Offer good until March 30, 2018. All sales final on discounted merchandise-no returns, exchanges only. Not valid with prior purchase. While supplies last. Sale applies to in-stock merchandise only. Excludes Yeti, Pandora, Alex and Ani, Brighton, and Simply Southern. See store for details.

www.ArtsyAbode.com

A member of the franchise system of BHH Affiliates, LLC

Enjoy

BREAKFAST LUNCH ~ AND ~

DINNER

Served all day

$10

OFF

$20 PURCHASE ONE OFFER PER TABLE. Expires 8.30.18

COMPLIMENTS OF

7 AREA LOCATIONS · FOR MORE VISIT METRODINER.COM

Ashley Agent REALTOR® 904.000.000

We are partnering with METRO DINER to share this delicious offer with you!

Once you walk into Metro Diner, you feel like a local.

It is the kind of place where last night is recalled over pancakes. Where the portions are big, but the egos are small. They believe that when you care about the people you’re cooking for, it shows in the food. And what they serve is comfort food with flair. Enjoy $10 off your next $20 check!

123 Your Office Address Your City, FL 00000

As your trusted real estate advisor, I am grateful to have clients like you! Connect with me today!

Ashley Agent REALTOR® 000.000.0000 Cell Ashley.Agent@FloridaNetworkRealty.com AAgent.FloridaNetworkRealty.com TO REDEEM: Expires August 30, 2018. $10 off $20 minumum purchase. One Coupon Per Table. Not Valid with Any Other Offer.

No Cash Value.

A member of the franchise system of BHH Affiliates, LLC

For a Limited Time... Enjoy $5 off!

We are partnering with Bono’s Pit Bar-B-Q to share this delicious offer with you!

At Bono’s, it’s not just about serving great food, it’s about providing the most authentic, traditional southern BBQ experience you’ve ever had! And for a limited time, you are invited to enjoy $5 off any order of $20 or more.

As your trusted real estate advisor, I am grateful to have clients like you! Connect with me today!

COMPLIMENTS OF Ashley Agent REALTOR® 904.000.000

Ashley Agent, REALTOR® 000.000.0000 Cell Email@FloridaNetworkRealty.com Website.com

TO REDEEM: Expires March 25, 2018. One Coupon Per Table.

Not Valid with Any Other Offer. No Cash Value.

A member of the franchise system of BHH Affiliates, LLC

123 Your Office Address Your City, FL 00000

AUTOFLOW POSTCARDS PHILANTHROPIC AND BERKSHIRE HATHAWAY HOMESERVICES

We proudly support Dreams Come True!

Dreams Come True® is Northeast Florida’s only locally based nonprofit dedicated to providing Dreams for children battling life-threatening illnesses.

We understand the importance of supporting the communities we serve. That’s why we’ve donated a portion of our commission from every sale, helping make Dreams Come True for these special children.

Thank you for helping us make this possible!

To learn more about Dreams Come True, visit: www.DreamsComeTrue.org Connect with me today for all your real estate needs!

Photos: Courtesy of Sarah Hedden Photography

Ashley Agent REALTOR® 904.000.0000 Email@FloridaNetworkRealty.com Website.com A member of the franchise system of BHH Affiliates, LLC. Equal Housing Opportunity.

Hurricane Preparedness Checklist HEALTH AND SAFETY q q q q q q q q q

Flashlight and batteries: 1 per person Liquid soap and hand sanitizer Tooth-brushing pads Water purification kit Two-week supply of prescription drugs Fire extinguisher Extra eyeglasses and sunglasses Insect repellent and sunscreen Cleaning supplies: mop, buckets, gloves

Infant Necessities: q q q q

Infant medicine Diapers Baby formulas Bottles

First Aid Kit including the following: q q q q q q q q

Bandages Antiseptic Tape Compress Pain relievers Anti-diarrhea/Digestive symptom relief medication Antacid Medication for common illness

Important Contact Information Federal Emergency Management Agency 1-800-621-3362 Florida Emergency Information Hotline 1-800-342-3557 (24 Hours)

FOOD AND DRINK q q q q q

Drinking Water: 1 gallon per person/per day Non-potable water: for hygenic use only Propane gas for grill 2 coolers for food and ice Manual can opener

Two week supply of the following: q Nonperishable foods q Plastic/Paper tableware and cups q Toilet paper and paper towels q Wet wipes

IF YOU EVACUATE

Pillows, blankets and sleeping bags/air mattresses - Shelters do not provide these Folding chairs or cots Extra clothing/shoes and post-storm clothes Personal hygenie items Books, toys and hand held games Cash: ATMs and credit card networks might be down q Animal Care: Ensure that proper food and water are stocked q q q q q q

Compliments of Ashley Agent

As your trusted real estate advisor, I am grateful to have clients like you! Connect with me today!

Ashley Agent REALTOR® 904.000.0000 YourEmail@FloridaNetworkRealty.com AAgent.FloridaNetworkRealty.com

Mail Services 1-800-275-8777

904.000.0000 aagent.BHHSFNR.com/FHN

Small Business Administration 1-800-659-2955 State Volunteer Hotline 850-414-7500 Florida Department of Insurance 1-877-693-5236 Agricultural and Consumer Services 1-800-204-2418 Florida Power and Light 1-800-468-8243

Introducing the Florida Hurricane Network - our one stop resource on Hurricane Safety for the Northeast Florida community. Get county-by-county information and learn what to do and how to protect yourself and your loved ones before, during and after a hurricane.

REALTOR®

Public Housing Programs 1-800-955-2232

Medicare and Medicaid Issues 1-800-633-4227

that Hurricane Season lasts until November 30?

Are you prepared?

Visit AAgent.BHHSFNR.com/FHN for more information.

Emergency Housing Programs 1-877-891-6445

Social Security Administration 1-800-772-1213

Did You Know...

A member of the franchise system of BHH Affiliaties, LLC.

A member of the franchise system of BHH Affiliates, LLC. Equal Housing Opportunity.

123 Your Office Address Your City, FL 00000

123 Your Office Address Your City, FL 00000

AUTOFLOW POSTCARDS PHILANTHROPIC AND BERKSHIRE HATHAWAY HOMESERVICES

history enjoying the outdoors

where the experts are

a perfect round

home is

friendship

No matter who you ask, home has a very personal meaning to everyone. It’s where you raise your children. It’s where you surround yourself with those you love. I am proud to share that

home is

our company has spent the last 30 years right here in Northeast

123 Your Office Address Your City, FL 00000

Florida giving back and placing service before sales to help clients find a home that reflects exactly what home is to them.

Connect with me today for all your real estate needs!

(Fill in the Blank)

Ashley Agent, REALTOR®

000.000.0000 Cell YourEmail@FloridaNetworkRealty.com YourWebsite.com family

neighborhoods

relaxing

inviting

Thanks to you, we’ve made the First Coast home for 30 years.

Tell me what home is to you, and I’ll make it happen.

A member of the franchise system of BHH Affiliates, LLC. Equal Housing Opportunity.

1 THE #

REAL ESTATE BRAND OF THE YEAR

2018 Harris Poll EquiTrend® Study

CONSUMERS HAVE SPOKEN AGAIN...

Berkshire Hathaway HomeServices Named “Real Estate Agency Brand of the Year” and “Most Trusted Real Estate Brand” in the 2018 Harris Poll EquiTrend® Study.* To us, this level of trust is a compliment and a great responsibility. As your trusted real estate advisor, I thank you for the confidence you’ve placed in me.

Connect with me today!

Agent Name REALTOR® 000.000.0000 Cell YourEmail@FloridaNetworkRealty.com YourWebsite.com

*Berkshire Hathaway HomeServices received the highest numerical Equity Score and the highest numerical score relating to Trust among Real Estate Agency brands included in the 2018 Harris Poll EquiTrend® Study, which is based on opinions of 77,031 U.S. consumers ages 15 and over surveyed online between January 3, 2018 and February 15, 2018. Your opinion may differ. “Highest Ranked” was determined by a pure ranking of a sample of Real Estate Agency brands.

A member of the franchise system of BHH Affiliates, LLC. Equal Housing Opportunity.

123 Your Office Address Your City, FL 00000

AUTOFLOW NEWSLETTER NATIONAL MARKET REPORT FOLD

REAL ESTATE

Compliments of: Kevin M. Waugaman Managing Broker 904.123.4567 Kevin.Waugaman@FloridaNetworkRealty.com KWaugaman.FloridaNetworkRealty.com Interested in an in-depth valuation report? Visit: Valuations.FloridaNetworkRealty.com/KWaugaman

Kevin M. Waugaman Managing Broker 333 Village Main Street, Suite 670 Ponte Vedra Beach, Florida 32082 904.123.4567

Insider

MAILING ADDRESS

The State of the Housing Market

Mr. and Mrs. John Doe 1234 Address Lane Jacksonville, Florida 31234

L O C A L U P D AT E — N O R T H E A S T F L O R I D A

I conclude this report with 2018 trend predictions and advice for buyers and sellers. If you would like an analysis on a specific property, please feel free to connect with me for a consultation.

FOLD

2018 MARKET TRENDS

2018 ADVICE

Price Appreciation – The home appreciation rate will continue to rise in 2018, but not at the double-digit pace we have seen the past few years. Homeowners can expect to see appreciation rates in the range of four to seven percent in 2018, as lack of supply will continue to drive prices higher throughout Northeast Florida.

Advice for Sellers – Buyers are looking for updated, properly priced homes in move-in condition, particularly in areas that are competing with new construction. Most buyers have trouble seeing through a home that is filled with knickknacks, family photos and loud colors. Homes that are staged by a professional spend an average of 73 percent less time on the market and command more price per square foot.

Smart Home Technology – Security systems, lighting, thermostats, sprinkler controls and voice activation have gone mainstream as American households continue to adopt smart home technology. When considering improvements to your home, consult with me, your trusted real estate advisor, to find out which will give you the biggest bang for your buck!

The overall market conditions noted here offer a macro view of the real estate environment.

Different price points and niche locations behave differently, so it is important to drill down to specific neighborhoods or communities when evaluating a sale or purchase. Personal objectives should also

be strongly considered when making the decision to sell or purchase real estate. Please feel free to connect with me for an analysis on price trends in specific neighborhoods and a personal analysis of any property you are considering buying or selling.

Should I buy now or wait until next year?

Are you one of the many prospective home buyers who is wondering if this is the right time to buy?

Advice for Buyers – With an average of 73 days on market for single family homes and a drop in inventory to 2.6 months of supply at year end, we are experiencing a seller’s market that requires savvy negotiation and experience. Educate yourself about the distinct markets that make up Northeast Florida by visiting my website for a wealth of information.

FOLD

See the difference a year can make!

NOW

NEXT YEAR

Interest Rate

4.30% $250,000

CoreLogic Projection (+4.3%)

$1,237.18

Per Month - Principal & Interest

5.10% $260,750

Freddie Mac Projection 2019

Home Price

$1,415.74

Mortgage Payment

The Cost of Waiting to Buy is defined as the additional funds it would take to buy a home if prices and interest were to increase over a period of time.

THE CHOICE IS CLEAR FOR REPEAT HOME SELLERS

What will it cost if you wait to buy your dream home?

Berkshire Hathaway HomeServices was honored in J.D. Power’s 2017 Home Buyer/Seller Satisfaction Study for “Highest Overall Satisfaction for Repeat Home Sellers Among National Full Service Real Estate Firms.”

MONTHLY

ANNUALLY

$178.56

$2,142.72

OVER 30 YEARS

$64,282

Coffee & Lunch (M-F)

Pay off your Credit Cards

Over 30 years, you would have spent an additional $64,282 on your home.

$$$ *Berkshire Hathaway HomeServices received the highest numerical score among 5 real estate companies for repeat home sellers in the J.D.Power 2017 Home Buyer/Seller Satisfaction Study, based on 5,117 total responses, measuring the perceptions and experiences of customers who bought and/or sold a home between March-April 2017.

Your experiences may vary. Visit jdpower.com.

Source: CoreLogic, Freddie Mac, Bankrate

FOLD FOLD

LOW INVENTORY PUSHES HOME PRICES HIGHER According to CoreLogic’s latest Home Price Index, prices appreciated by 6.9 percent year-over-year from December 2016 to December 2017 on a national level. This marks the fifth month in a row with at least a 6.9 percent increase.

Local Market Detail

Dr. Frank Nothaft, Chief Economist for CoreLogic, gave insight into the reason behind the large appreciation...

DUVAL COUNTY “The number of homes for sale has remained very low. Job growth lowered the unemployment rate to 4.1 percent by year’s end, the lowest level in 17 years. Rising income and consumer confidence has increased the number of prospective homebuyers. The net result of rising demand and limited for-sale inventory is a continued appreciation in home prices.”

This is great news for homeowners who have gained an average of nearly $15,000 in equity in their homes over the last year! Homeowners who have been on the fence as to whether or not to sell will be pleasantly surprised to find out that they now have an even larger profit to help cover a down payment on their dream home.

FOLD

SUMMARY STATISTICS

2017

2016

Closed Sales

12,481

12,365

Paid in Cash

2,959

3,296

CLAY COUNTY

ST. JOHNS COUNTY

% Change Year-Over -Year

2017

2016

0.9%

5,678

5,210

-10.2%

1,208

1,131

% Change Year-Over -Year

% Change Year-Over -Year

2017

2016

9.0%

3,290

3,218

2.2%

6.8%

652

640

1.9%

4.9%

$202,000

$185,000

9.2%

Median Sale Prices

$194,000

$178,500

8.7%

$322,602

$307,500

As we near the traditionally busy spring buyers season, there is still opportunity for buyers as mortgage rates remain low compared to recent decades. The report also predicted that home price appreciation will slow slightly, rising by 4.3 percent by this time next year.

Average Sale Prices

$232,873

$214,565

8.5%

$382,139

$363,008

5.3%

$220,118

$206,256

6.7%

Dollar Volume

$2.9 Billion

$2.7 Billion

9.6%

$2.2 Billion

$1.9 Billion

14.7%

$724.2 Million

$663.7 Million

9.1%

BOTTOM LINE If you are looking to enter the housing market, as either a buyer or a seller, let’s get together to go over exactly what’s happening in your neighborhood and discuss your options!

Source: Steve Harney, Keeping Current Matters

Median Percent of Original List Price Received

97.1%

96.6%

0.5%

96.7%

96.6%

0.1%

97.3%

96.8%

0.5%

Median Time to Contract

40 Days

45 Days

-11.1%

61 Days

61 Days

0.0%

41 Days

54 Days

-24.1%

107 Days

111 Days

-3.6%

79 Days

104 Days

-24.0% 1.2%

The Berkshire Hathaway HomeServices Florida Network Realty

Dif ference

I am proud to announce that our team’s recent Luminaria event raised $31,554 for local

Median Time to Sale

76 Days

88 Days

-13.6%

New Pending Sales

13,368

13,071

2.3%

6,392

5,725

11.7%

3,529

3,486

FOLD

New Listings

15,061

14,885

1.2%

7,583

6,762

12.1%

3,753

3,829

-2.0%

Pending Inventory

1,152

1,265

-8.9%

630

556

13.3%

282

334

-15.6%

Inventory(Active Listings)

2,690

3,082

-12.7%

2,135

1,885

13.3%

660

878

-24.8%

Months Supply of Inventory

2.6

3.0

-13.3%

4.5

4.3

4.7%

2.4

3.3

-27.3%

charities. “We are so appreciative of everyone who volunteered and participated in Luminaria, helping us light up the night throughout Northeast Florida while supporting local charitable organizations,” said Berkshire Hathaway HomeServices Florida Network Realty Broker/ Executive Vice President Christy Budnick. “It was magical to see our streets aglow, bringing neighbors and friends together to celebrate the holiday season.”

For the event, the company sold luminaria kits and donated 100 percent of the proceeds to local charities.

“Our team loves to support events that provide unique opportunities to make a positive difference in

Source: Florida REALTORS® with data provided by Florida’s multiple listing services. Data released on Tuesday, February 13, 2018.

our community,” said Berkshire Hathaway HomeServices Florida Network Realty Founder, President and CEO Linda Sherrer.

© 2018 BHH Affiliates, LLC. An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity. Information not verified or guaranteed. If your home is currently listed with a Broker, this is not intended as a solicitation

AUTOFLOW NEWSLETTER REGIONAL MARKET REPORT FOLD

REAL ESTATE

Compliments of: Kevin M. Waugaman Managing Broker 904.123.4567 Kevin.Waugaman@FloridaNetworkRealty.com KWaugaman.FloridaNetworkRealty.com

Insider

MAILING ADDRESS

The State of the Housing Market

Mr. and Mrs. John Doe 1234 Address Lane Jacksonville, Florida 31234

Interested in an in-depth valuation report? Visit: Valuations.FloridaNetworkRealty.com/KWaugaman

N AT I O N A L U P D AT E

I conclude this report with a message for buyers and sellers. If you would like an analysis on a specific property, please feel free to connect with me for a consultation.

FOLD

The Luxury Market Nationally, the luxury market has moved more toward a normal market in many areas. “The luxury real estate market led the general housing market out of the global recession, and during that explosive upswing, we saw some of the largest year-overyear price gains ever; now we are simply seeing a return to a more typical pricing and sales paradigm – especially for single-family-detached properties,” according to Diane Hartley of the Institute for Luxury Home Marketing. A strong global marketing program is key to providing luxury estates with the proper attention from buyers, and the pricing strategy has to make sense.

exposure and condition, the higher the price. This is part of the reason that full-service REALTORS® are able to get an increased premium over For Sale

By Owner properties. The exposure for listings is far superior coupled with outstanding advice and guidance on preparing homes for sale to improve condition. Contact me today for a market review!

The Message for Buyers Rates are still historically low and the spring and summer months offer the largest inventory of homes coming to the market. In some cases, success takes persistence and in all cases it requires market expertise and knowledge of inventory currently on the market and inventory that is coming to market (ask me about this!). With a low inventory market, it may pay off to start the buying process sooner, providing time to find just the right home.

The Message for Sellers It is as true today as it was 30 years ago. Exposure + condition + price = a successful sale. The greater the

Kevin M. Waugaman Managing Broker 333 Village Main Street, Suite 670 Ponte Vedra Beach, Florida 32082 904.123.4567

Dif ference

The Berkshire Hathaway HomeServices Florida Network Realty

Fill up a new backpack with school supplies.

And load up a kid with confidence.

Help me prepare children for educational success this school year! We’re delivering smiles to students in need by collecting new backpacks filled with pencils, pens, paper, rulers, notebooks and more.

WITH MORTGAGE RATES CLIMBING, IT’S TIME FOR SELLERS TO ACT If you have been on the fence about selling your home, the recent movement in interest rates may be the decisive factor you are looking for.

The consequence? Higher rates mean a smaller pool of potential homebuyers, leading to less demand and possible downward pressure on home values.

As average rates on 30-year fixed loans inch higher— 4.28 percent as of March 16, up from 3.84 percent in early January - house hunters lose purchasing power.

The “1 Percent Rule” tells us that for every 1 percent increase in mortgage rates, a buyer loses 10 percent of their purchasing power. In many cases, buyers simply will not qualify for the same size loan.

The consensus among forecasters is that mortgage rates will continue their upward arc. The time to maximize your leverage as a seller is here.

FOLD

The following chart shows the recent movement in average 30-year fixed rate mortgage interest rates since January 5, 2018: Date Average Rate

Jan. 5 3.84%

Jan. 19 4.00%

Feb. 2 4.18%

Feb. 16 4.35%

Mar. 16 4.28%

Mar. 23 4.36%

Apr. 6 4.28%

Apr. 20 4.33%

Apr. 27 4.53%

Source: Bankrate.com

EFFECT OF MONTHLY PRINCIPAL & INTEREST PAYMENT ON A $400,000* HOME AS RATES RISE

HOME BUYING POWER OF A $1,528/MO PRINCIPAL & INTEREST PAYMENT AS RATES RISE

$400,000

4%

7%

$356,000

5%

$319,000

6%

$287,500

7% 19th Annual

Just bring new backpacks and supplies to a Berkshire Hathaway HomeServices Florida Network Realty office by July 31st. For more information visit: FloridaNetworkRealty.com/Backpack

However, while the impact of modest mortgage rate increases may be substantial for some buyers and sellers, it is unlikely to materially impact the overall housing market, according to a study by First American.

$2,129 $1,919

6%

5% 4%

$1,718 $1,528

Backpack Challenge

*Graph based on 20% down conventional loan.

© 2018 BHH Affiliates, LLC. An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity. Information not verified or guaranteed. If your home is currently listed with a Broker, this is not intended as a solicitation

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HOME BUYING POWER Today’s low rates give buyers incredible buying power.

Each 1 percent increase in rate diminishes buyer’s power by 10 percent.

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SIMPLY A MATTER OF SUPPLY AND DEMAND Nationally, prices are up 6.6 percent over last year because there are fewer listings and stronger demand. However, the gap between year-over-year increases in demand and decreases in supply is narrowing, signaling a move toward equilibrium and market stability. The result will be a more sustainable

Year-Over-Year Percent Change in Price

market of reasonable price gains or a softer landing if a correction occurs. This is good news for future buyers in market segments that are currently getting squeezed by limited inventory and rapid price appreciation.

12.1% WA

VT (4.1%) 8.4% MT

6.8% OR

5.5% ND 5.5% MN

10.3% ID

10.8% UT

8.3% CO

6.4% AZ

3.5% IL

2.0% OK

CT (1.7%) NJ (2.2%) DE (0.7%)

2.3% WV 2.6% VA

5.6% KY

MD (3.4%) DC (1.5%)

5.5% NC

6.5% TN

4.0% AR

5.5% SC 3.3% MS

5.1% AL

6.5% GA

< 0.0%

6.0% LA

5.6% TX

MA (6.1%) RI (8.4%)

3.5% PA

6.2% OH

5.8% IN

4.8% MO

5.1% KS

4.3% NM

7.3% MI

3.7% IA

5.4% NE

8.3% CA

NH (5.0%) 5.8% WI

9.2% SD

1.7% WY

11.3% NV

8.1% ME

5.7% NY

0.0% - 1.9% 2.0% - 3.9%

6.4% FL

0.7% AK

4.0% - 5.9% > 6%

UNITED STATES 6.6%

4.1% HI

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MANY SELLERS HAVE EQUITY AND DON’T EVEN KNOW IT...

The benefit to the strong appreciation we have experienced over the past 5+ years: Homeowners have gained substantial equity. In the past 12 months alone, the average homeowner in Florida has seen a $12,000 improvement in equity. How will continued mortgage rate increases impact the market? There seems to be a consensus among economists that rates will continue to rise in the foreseeable future, likely landing close to 5 percent by year end. Despite rate increases, many homeowners have more equity than they are aware of, and are financially able to accomplish the move they have been putting off.

Average Equity Gained Year-Over-Year

$40K WA

VT $11K MT

$17K OR

$21K ID

$12K MN

10.8% UT

$13K AZ

NH ($13K)

$21K CO

$7K IL

$2K OK

WV $6K KY

CT ($4K) NJ ($12K) DE ($8K)

$7K VA $10K NC

$11K TN

$5K AR

MD ($11K) DC ($10K)

$8K SC MS

5.6% TX

RI ($20K) $7K PA

$10K OH

$7K IN

$8K MO

$9K KS

$5K NM

$11K MI

$6K IA

$8K NE

MA ($23K)

$8K NY

$9K WI

SD

$16K WY

$27K NV

$44K CA

ME

$7K ND

$4K AL

$11K GA

Insuffficient Data

$0K LA

≤ $3K $12K FL

$3K AK

$4K to $7K $8K to $14K

IT PAYS TO BE ‘UP FRONT’ WITH HOME IMPROVEMENTS “Curb appeal” — the aesthetic impact that house hunters feel when they see a house from the street— is a well-established factor for attracting potential buyers. It’s no wonder those remodeling projects that influence first impressions are providing the greatest return on investment for homeowners.

That’s the conclusion reached by Remodeling magazine in its 2018 Cost vs. Value Report, which assesses return on investment (ROI) for 21 popular home improvement projects. For instance, when it comes to “upscale” projects, a new garage door leads all projects with a 98.3 percent ROI, followed by vinyl window replacement (74.3 percent), wood window replacement (69.5 percent), and a fiberglass

grand entrance (67.6 percent).

In the “midrange” project category, a manufactured stone veneer led the list with 97.1 percent ROI. A new steel entry door brings 91.3 percent, a deck addition comes in at 82.8 percent, and a minor kitchen remodel returns 81.1 percent.

In the “upscale” category, a master suite addition brought the lowest ROI at 48.3 percent. In the “midrange” category, backyard patio improvements demonstrated the lowest ROI at 47.6 percent.

Before making expensive upgrades, give me a call to discuss the likely return on your investment!

PAYING MORTGAGE INSURANCE? PRICE APPRECIATION MIGHT PAY OFF FOR YOU If you’ve owned a home in Northeast Florida for even just a few years, you’ve seen the market value of your property surge. Good for building equity, but also good for anyone who is currently paying private mortgage insurance (PMI) on their loan.

Rules require that anyone who buys their home with less than 20 percent down to pay PMI - a monthly cost that can add up to big bucks over time. Depending on how much your home’s value has appreciated, however, your loan-to-value ratio may have since dipped below that 80 percent threshold, making it possible to get your lender to cancel the PMI fee.

Here are some eligibility standards for removing PMI

if you have a conventional loan (rules for FHA loans are different): • 80 percent loan-to-value based on original value. Removal by request.

• 78 percent loan-to-value based on original value. Removal is automatic • 75 percent loan-to-value based on current value. Removal by request is less than 2 years (exception based) • 75 percent loan-to-value based on current value. Removal by request if 2-5 years • 80 percent loan-to-value based on current value. Removal by request if 5+ years

≥ $15K

UNITED STATES $15K

$18K HI

MORTGAGE INSURANCE STILL DEDUCTIBLE The deductibility of mortgage interest premiums has been extended for the 2017 tax year homeowners under the new tax law. There are property value limits to consider. Consult with a tax professional for info.

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AUTOFLOW TESTIMONIALS FROM BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY AGENTS

NINJA/AUTOFLOW TESTIMONIALS FROM BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY AGENTS

NINJA/AUTOFLOW TESTIMONIALS FROM CUSTOMERS OF PATTI NAMEY, BROKER ASSOCIATE AT OUR MANDARIN OFFICE

Good Morning Patti!

I just wanted to let you know how much I appreciate the discount tickets and other things you send my parents. They went to the Alhambra for the first time last week! My mom absolutely loves going to things like that, but her health doesnâ&#x20AC;&#x2122;t always allow it.

God blessed her with a good day and she was able to go and enjoy the dinner and show. They have a couple who visits them every week from a ministry called Heartfelt and they are the ones who took them. The husband even had a rose waiting on the table for Mom and his wife.

Mom and Dad have shared some of the discounts with them because they do so much for them. This couple has been a godsend for me and Mike and they have become family to my parents. They have even had gutters installed and almost completely covered the entire back yard with beautiful pavers! You wouldnâ&#x20AC;&#x2122;t believe how pretty it is now!!!

I hope you and your family are doing well and made it through the storm intact. Thanks again for your thoughtfulness and graciousness with your clients! You are one in a million!

AUTOFLOW LOCAL FRIENDS 2018 2018 THANK THANK YOU YOU AND AND INVITATION INVITATION LETTER LETTER

Dear Linda McNabb, You are the reason we celebrate the success of our Local Friends Postcard Program—so we want to say thank you!

Over a hundred Berkshire Hathaway professional Realtors® shared your offer with 4,235 households. We are confident you are benefiting from these extra brand impressions and additional foot traffic when the offer was redeemed.

We are poised to cast an even wider net as we expand the program into 2018 mailing to a minimum of over 10,000 households each month. Because we consider the Jacksonville Jumbo Shrimp THE shining example of a high-caliber partner that aligns with the program—we would like to offer you first choice to secure to your position on the monthly calendar before we invite other companies to join.

Please let us know if you’d like to participate or if you have any questions. We hope to partner with you again in 2018!

Sincerely,

Linda Sherrer and Christy Budnick Berkshire Hathaway HomeServices Florida Network Realty

4190 Belfort Road, Suite 475 • Jacksonville, FL 32216 • 904.296.6400 • FloridaNetworkRealty.com © 2017 BHH Affiliates, LLC. An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity. Information not verified or guaranteed. If your home is currently listed with a Broker, this is not intended as a solicitation

NINJA/AUTOFLOW ANALYSIS

RESULTS •

Ninja/AutoFlow Agents outperformed non-Ninja/AutoFlow Agents by 102.6% in units and 131.9% in volume over the last 15 months.

•

Ninja/AutoFlow Agents outperformed the Top 2 Quartiles by 35.1% in units and 51.6% in volume over the last 15 months.

•

Here’s what it looks like…

NINJA/AUTOFLOW VS. NON-NINJA/AUTOFLOW

14 12

12.1

10 8 6

9.1 6.1

4

$4.76M $2.05M

2

$3.14M

0 PPP-Units

NINJA/AUTOFLOW AGENTS

PPP-Volume

NON-NINJA/AUTOFLOW AGENTS

TOP 2 QUARTILES

AUTOFLOW ENROLLMENT JOIN TODAY!

How do I enroll?

Log-in to Agent Excelerator and click on the AutoFlow rotating banner at the top of AE. Fill out the form and a representative from the AutoFlow team will process your enrollment.

Remember, itâ&#x20AC;&#x2122;s important to prepare your Database, prior to enrolling in AutoFlow. You can start by making a list of all the people who know, like and trust you.

Please contact AutoFlow@FloridaNetworkRealty.com for more information.

FloridaNetworkRealty.com Š 2018 BHH Affiliates, LLC. An independently operated subsidiary of HomeServices of America, Inc., a Berkshire Hathaway affiliate, and a franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol ]are registered service marks of HomeServices of America, Inc.Ž Equal Housing Opportunity. Information not verified or guaranteed. If your home is currently listed with a Broker, this is not intended as a solicitation