Brian Caruana Buy Design

Presented by HUNT Real Estate ERA

ABOUT BRIAN

Brian Caruana Licensed Real Estate Salesperson Office: 315.699.3200 Cell: 917.613.4576 Email: brian.caruana@huntrealestate.com Web: briancaruana.huntrealestate.com

At HUNT Real Estate ERA, my goal is to be there for you throughout the entire real estate process, ensuring it is as easy and stress-free as possible.

My commitment is to deliver superior customer service backed by the industry’s most sophisticated real estate technology tools and marketing systems. I am dedicated to providing and interpreting accurate, in-depth information on home values and the real estate market.

LET’S GET STARTED Finding the ideal home can be difficult if you don't know where to start. At HUNT Real Estate ERA, we will help you every step of the way to make finding, buying and moving into your new home a smooth and enjoyable experience.

OUR COMMITMENT TO YOU Your experienced HUNT sales professional will provide

Professional representation Access to the most accurate listing data Expert negotiating skills Timely reporting and transaction follow-up One-stop shopping with HUNT Mortgage, Network Title and HUNT Insurance

THE BUYING PROCESS Initial Interview

Get Qualified

• Meet with HUNT Agent • Review Home Buying Steps • Evaluate Needs & Wants

• Meet Your Mortgage Consultant • Obtain Pre-Approval Letter • HUNT Pre-Purchase Commitment

Applying with HUNT Mortgage • Mortgage Application • Credit Report • Appraisal • Underwriter Processing • Obtain Loan Approval

Obtain Homeowners policy with HUNT Insurance

Inspections

Start Your House HUNT

Make an Offer • Negotiation • Counter Offer (if necessary)

• Enroll in My House HUNT • Visit Properties

Connect with HUNT Homeowners Club Attorney

Offer Accepted

• Obtain Attorney Approval

Loan Conditions Met • Finalize Paperwork • Closing Date Scheduled

Welcome Home!

Final Walk-Through • Transfer Utilities

Closing Day

YOUR HUNT BUYER’S AGENT WHY WORK WITH ONE AGENT? In a Buyer Agency agreement, your HUNT Real Estate sales professional represents your interests.

Your HUNT Buyer’s Agent will: • Give you full representation with confidentiality • Qualify properties that meet your criteria and coordinate showings • Offer expert advice on pricing and negotiating strategies • Put you in proper position for purchasing - offer writing, multiple offers, negotiating • Refer you to qualified service professionals, including: - HUNT Mortgage - Network Title Agency - HUNT Insurance - HUNT Homeowners Club Attorneys Your HUNT Buyer’s Agent is Always There For You®!

STEP 1 PREPARATION & PRE-APPROVAL Preparing For Your Home Search • What are your needs and wants?

• Do you have a property you need to sell in order to purchase the new home?

• When would you like to be in your new home?

• What are your expectations of your real estate agent?

What Can You Afford?

Knowing what you are comfortable with in terms of your mortgage payment ensures that we will preview only the homes that match your financial goals.

To guide you through the pre-approval process, you will be partnered with an experienced HUNT Mortgage consultant.

Get Pre-Approved Before starting your home search, you can get pre-approved for a loan from HUNT Mortgage, ensuring the rest of the loan process is hassle-free.

You may also take advantage of our HUNT Mortgage Pre-Purchase Commitment.

Delivering a fully underwritten commitment, this program offers assurance to the seller that you will be able to attain the financing you need to buy their home.

STEP 2 FINDING YOUR NEW HOME Start Your House HUNT Your needs and wants will be input into our My House HUNT platform so that you are instantly notified when a new property comes on the market that meets your specific criteria and price range.

Where Do You Want to Live?

To help you find your next perfect neighborhood to call home, visit HUNTisHome.com – a comprehensive online resource featuring hyperlocal community data, market trends, school information, and even reviews of the best restaurants in town.

Viewing Your Homes Showings will be scheduled at your convenience through our ProShowSM, Powered by ShowingTime system. Seeing your selected homes together will allow your HUNT sales agent to explain the pros and cons of each.

STEP 3 YOU’VE FOUND YOUR HOME... NOW WHAT?

The Purchase Offer: Preparation & Assistance The purchase offer can be a complex document. Together, your HUNT sales professional will go through the contract and all related paperwork to ensure you have a thorough understanding of the offer you are making.

Presentation & Negotiations To strengthen your advantage, your offer will be presented directly to the seller’s agent and the seller, when possible. Your terms will be properly conveyed and negotiated in order to maximize your chances of securing your next home.

STEP 4 YOUR OFFER IS ACCEPTED Once your offer is accepted, your HUNT sales professional will guide you through a number of important steps between contract and closing.

Attorney Approval The signed contract must be submitted to both the buyer’s and seller’s attorney for approval. Your HUNT agent can recommend one of our highly-qualified HUNT Homeowners Club Attorneys to assist.

Inspections Inspections are a buyer expense and are critical to helping identify potential issues with the property. Types of inspections include structural, mechanical and radon.

STEP 4 YOUR OFFER IS ACCEPTED Mortgage Application Speed your way to approval with the HUNT Mortgage Engine. It is the fastest, simplest way to complete your application, and it is only available from HUNT Mortgage.

• Secure web portal quickly connects all of your financial info • Import or upload all of your required documents • Your data is encrypted and protected Visit HUNTMortgageEngine.com to get started.

Homeowners Insurance Your HUNT sales professional can connect you with an experienced and fully-licensed HUNT Insurance agent to assist you with obtaining the proper policy for your needs. Most lenders require proof of one-year paid policy.

STEP 5 WELCOME HOME Closing Day On your closing day, here is what you can expect: • Close at the county clerk’s office at a pre-set time (determined by buyer and seller’s attorneys) • Parties present - Seller(s) or Seller’s Attorney - Buyer(s) - Buyer’s Attorney - Bank’s Attorney • Time frame of closing - 1 to 2 hours • Bring your government-issued photo ID (license or passport) • Bring your final bank check for remaining funds • Bring a checkbook for any additional expenses • You will receive your keys at the end of closing

OUR PROMISE IN WRITING All of us at HUNT Real Estate ERA are dedicated to providing superior personalized services, as outlined in our Buyer Agreement.

If you are not completely satisfied, or if we are not delivering on your expectations, you may cancel our agreement at any time.

“Thank you for giving us the opportunity to help you achieve your real estate and homeownership goals.”

Peter F. Hunt Chairman & CEO / HUNT Real Estate Corporation

Toll Free: 855-400-4868 REAL ESTATE | MORTGAGE | INSURANCE | TITLE

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