Emory Exclusive Package

A long time resident and one of Harry Norman, REALTORS® Top Agents since 1984, Carol Bennett knows and sells metro Atlanta and the surrounding areas! Dedicated to meeting her clients’ and customers’ specific real estate needs through personal integrity, market knowledge, enthusiastic efforts and outstanding negotiating skills has made Carol one of the most Successful Agents in Metro Atlanta.

For over 30 years Carol Bennett has continued to be the first choice of incoming physician’s when selecting their REALTOR®.

Carol Bennett

ARS, SMC, ABR, Eco2 Broker International Real Estate Specialist Life Member Million Dollar Club | Phoenix Recipient Office: 404-261-2700 • Cell Phone: 404-386-3903 carol.bennett.harrynorman.com | carol.bennett@harrynorman.com

If on mobile device scroll left for additional pages.

March, 2016 Dear Doctor, Congratulations on your match with Emory!

My name is Carol Bennett, and I am an associate with Harry Norman, REALTORS®. I am an accrediated relocation specialist. Over the past 30 years, I have assisted many physicians with Emory, in making their move to Atlanta. The reputation I have developed is one of which I am very proud.

You will find that having a real estate professional working with you can be far more productive and less stressful than finding a home via “word of mouth”, driving through neighborhoods or searching the internet without direction.

I am excited to tell you 100% Home Loans at 3.375% to medical professionals are once again available for you! I have an ongoing, working relationship with specific lenders offering these loans. These incredible low interest rates make “Home Ownership” more feasible than ever before! It would be my pleasure and privilege to work with you, be it guidance in finding a rental property or securing a home for purchase.

I am available day time as well as during evenings and weekends. Let me know how I may be of service!

Sincerely Yours,

Carol Bennett, ABR, EC02, ARS, SMC Lifetime Member Million Dollar Sales Club Senior Marketing Consultant Accredited Relocation Specialist Accredited International Real Estate Specialist 404-386-3903 Direct Carol.Bennett@harrynorman.com Enclosures (3)

RENT vs. BUY

rent vs. buy

Did you realize your $1,100.00 rent check could buy a $245,000 home? Well, it can! The following Did you realize your $1100.00 rent check could buy a $245,000 home? Well, it can! The following chart with information chart with information provided by a savings and loan institution will show you how. provided by a savings and loan institution will show you how.

Compare your “Rent vs. Own” net monthly cost. You can easily see how the same cash you may Compare your “Rent vs. Own” net monthly cost. You can easily see how the same cash you may consider spending on consider spending on rent can be used to purchase a new home! Consider the benefits of investing vs. rent can be used to purchase a new home! Consider the benefits of investing vs. renting. renting.

Of course, many new home shoppers see the subtotal in the “own” column and assume that’s going to be an additional out of Of course, new home shoppers see the asubtotal in the “own” assumethe that’s going pocket expense until many their annual tax refund.

However good accountant cancolumn help youand decrease amount ofto taxbewithheld an additional out of pocket expense until their annual tax refund.

However a good accountant can help from your paycheck which will, in turn, increase your take home pay. This increase is usually more than enough to offset you decrease the amount of tax withheld from your paycheck which will, in turn, increase your take home the added expense of your mortgage payment. pay. This increase is usually more than enough to offset the added expense of your mortgage payment.

Interest rates are at an ALL TIME LOW! For example, the interest rate on the 100% Doctor Loan is as low as 3.25% Interest arepurchasing at an ALLa TIME LOW! example, theofinterest rate on the 100% Doctor Loan is with no PMI whichrates makes home so easy! For Ninety percent your payment goes toward interest allowing you 3.375%, which makes purchasing a home so easy!

Ninety your percent of your payment goes toward interest to take full advantage of the tax benefits shown in “how we figured monthly savings”. allowing you to take full advantage of the tax benefits shown in “how we figured your monthly savings”.

As the payments progress, so does the amount of equity built up, providing another method of return on your investment. payments progress, the amount of equity built up, providing another method of return on There areAs thethe most incredible values so outdoes there! your investment. There are the most incredible values out there!

Prices are down; it has never been a better time to invest in real estate in Atlanta!

Prices are down; it has never been a better time to invest in real estate in Atlanta!

RENT Purchase Price Down Payment Security Deposit (1 mo. Rent) Initial Loan Amount Mortgage Insurance

$0 $0 $1100.00 $0 $0

Total Loan Monthly Costs Monthly Rent Property Tax Homeowners Insurance SUBTOTAL

$0 $0 $1100.00 $0 $0 $1100.00

Tax Savings

$0

NET MONTHLY COST

$1100.00

OWN Purchase Price Less Down Payment Initial Loan Amount @ 3.375% Financed Mortgage Ins. Premium Loan Amount w/ Mortgage Ins. Prem.

Added Monthly Principal & Ins. Payment Est. Monthly Property Taxes Est. Monthly Homeowners Insurance

$245,000 $0.00 $245,000 N/A N/A $1083.00 $265.00 $60.00

TOTAL MONTHLY PAYMENT Monthly Tax Savings based on 25% bracket per month (interest, taxes based on $54,000

$1,413.00 $238.00

Monthly Payment After Write Off

$1,175.00

Tax Savings Per Year (Approx.)

$2856.00

Ind. Filer)

*=Based on amortization schedule, assuming zero appreciation.

Carol Bennett, SMC, ARS, ABR stated is not the APR. Consult the lender for specific information on APR and closing costs.

**Based on 100% Doctor’s Loan Program, 7 Year ARM with a note rate of 3.375%. Longer term ARMS available with no PMI at slightly higher rates. The interest rate

Life Member Million Dollar Club  International Real Estate Specialist (cell) with Carol.Bennett@harrynorman.com ***Tax calculations and averages are 404-386-3903 based on a single individual a taxable income >$54,000 per year in 2016. Tax savings are best estimates, and carol.bennett.harrynorman.com may not apply to all personal situations. Consult a tax professional for a complete analysis.

CAROL BENNETT SMC • ARS • ABR • Life Member Million Dollar Club • EcoBroker 404-386-3903 (cell) • carol.bennett@harrynorman.com

letters of recommendation I grew up in NJ, so coming to Atlanta was a big deal for me. I had to choose living arrangements on my own. I never imagined buying a house, but when I received the packet from Emory Family Practice Residency Program and there was Carol Bennett’s housing analysis, Rent vs. Buy, it seemed like a no brainer. I didn’t think I could do it, but I took the plunge and decided to trust Carol. I was very nervous and naive to the process of buying a house. I can’t tell you how grateful I am to Carol for guiding me through each step of the process from prequalifying through closing. It was a 3 day house hunting whirlwind and I had no clue what I was doing or looking for. If it wasn’t for Carol having a list if houses ready for me in my preapproved price range, I would have been renting and I would not have rental property today! Carol made the process so easy, not only in negotiating the house I wanted, staying in my preapproved limit even though the asking price was higher, and also had the seller include a garage door opener, I didn’t know I needed. It was a brand new property! I had purchased a property in 2 days and didn’t even have to return for closing. Carol did the walk through for me and all paperwork was done through FedEx (would be email today ;-) and Carol even sent me my keys through Express mail. Yes, I still own that first property I bought in Atlanta so many years ago. I still love that house. When it was time to upgrade in size, I called Carol again. And she did it again, made it so easy I swear it was easier than applying for a credit card. I have had another Realtor experience in a different state and trust me, your realtor makes a huge difference. Be wise in your decisions, I would choose Carol all over again!

One Happy Client and Friend!

Belkis Pimentel, MD Emory Family Medicine Residency Program Class’98

My husband and I moved to Atlanta to start intern year last summer, and we had no idea what we were doing or how to buy a house. Carol was amazing - she walked us through the entire process, spent an incredible amount of time helping us figure out house-buying 101” (how to get a mortgage, how to get a home inspection, what to do with home inspection results, etc.).

When we rushed in to Atlanta for a 4 day adventure to try and find a house to buy, she was with us every second, hunting down the perfect house. Carol dealt with me, my husband, my mother, and my mother-in-law without blinking an eye, a task that would foil a lesser realtor! After we bought the house, I thought that would then be the end of our relationship, but I was completely wrong. Carol has stuck with us since moving to Atlanta, and has helped us so much - when we had a disastrous plumbing problem that destroyed our flooring, we frantically called Carol because, being new homeowners, we had no idea what to do! She calmed us down, told us who to call, and held our hands through that housing nightmare. She even came over to deal with the flooring people on a day when I was post-call from an overnight shift and desperately needed assistance.

Every time I have a question about something regarding my house, I email or call Carol, and she responds with helpful advice and tips. For any new resident looking to buy a house in Atlanta, I cannot recommend Carol Bennett enough - she will make your home-buying experience fun, easy, and as low-stress as possible.

Claire Abramoff Emory Emergency Medicine, PGY-I

CAROL BENNETT SMC • ARS • ABR • Life Member Million Dollar Club • EcoBroker 404-386-3903 (cell) • carol.bennett@harrynorman.com

letters of recommendation I am writing to give my highest recommendation for realtor Carol Bennett, of Harry Norman REALTORS®. Carol assisted me in finding a home in Atlanta over a whirlwind few days in Spring of 2012, after I found out I had matched at Emory Emergency Medicine Residency! At the time, I knew very little about the Atlanta housing market, and even less about the neighborhoods in the area. Carol was extremely patient in spending long hours going through countless houses until we found our perfect neighborhood and home. She was great throughout the closing process, including pointing out things I would never have noticed myself. She remained an excellent resource throughout my time at Emory, and was always helpful and responsive when home ownership questions came up. She continues to check in and catch up when able. I know she has helped a number of residents find homes, and all have also had excellent experiences. She has been recognized by Harry Norman REALTORS® for her excellence. I give her my highest recommendation.

Sincerely, Anna Yaffee, MD, MPH CDC Epidemic Int ligence Service Class of 2015 Emory Emergency Medicine Chief Resident, 2015 Emory Emergency Medicine Residency Class of 2015 annayaf@gmail.com

CAROL BENNETT SMC • ARS • ABR • Life Member Million Dollar Club • EcoBroker 404-386-3903 (cell) • carol.bennett@harrynorman.com