Buyers Guide

YOUR GUIDE TO HOMEOWNERSHIP Everything you need to know about buying a home In Southwest Florida

The Bond Team Glenn & Karen Bond Direct: (239) 689-4143/(239) 565-3554 Email: bond@bondteamswfl.com Web Site: www.bondteamswfl.com

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

Your needs drive how and when we find your next home. From this day forward, everything we do will be motivated by your goals and how you imagine your life taking place in your new home.

Once we get an understanding of where you see yourself, finding your dream home will move quickly, and with minimal interruption to your daily life.

We serve as your “direct link” to the Multiple Listing Service (MLS). This MLS system includes all home listed for sale with all real estate companies. Our system will actually update you in real time as often as you would like.

YOUR GUDE TO

Visualize your dream scenario for buying your home.

WHAT'S THE ONE THING THAT HAS TO HAPPEN TO MAKE THAT DREAM SCENARIO A REALITY? •

How can we make that happen for you?

•

Why is that important to you?

IF WE COULD ADD JUST ONE MORE THING TO MAKE THIS PROCESS EVEN BETTER, WHAT WOULD IT BE? •

Why is that important to you?

The Seller pays our fee.

NOT YOU!

Come First

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

YOUR GUDE TO

Value, Real Experience When you choose to work with US, you're partnering with trained agents that have the backing of the world's largest real estate company, consisting of 180,000+ associates around the globe. That puts your search in the hands of the largest, most resourceful real estate network.

And, by choosing to partner with us and the Keller Williams family, you gain access to a suite of technology that keeps you informed and engaged with what's happening in the neighborhoods you're eyeing.

Glenn & Karen Bond The Bond Team

Keller Williams was built on a simple yetrevolutionary principle: people are what matter most. To help cement this understanding, we've formalized a belief system that guides how we treat each other and how we do business.

50+ COMBINED YEARS IN THE BUSINESS

1000’S TOTAL CLIENTS SERVED

65% REPEAT CLIENTS

Previous Success: • • •

PUTTING OUR CLIENTS FIRST!

#1 Team in our Office Top 20 Team in the State Top 10 Team in Region

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

YOUR GUDE TO

REVIEWS FROM OUR CLIENTS “Glenn and Karen are an awesome team, they never gave up till they found us our home. Our experience with other realtors who never answered or returned calls, Glenn and Karen were available to answer all our questions. They walked us through from the offer to the closing. We recommend them to all our friends. “

“Karen and Glenn Bond are the best realtors. They knew what we wanted. We found our dream home the first day we went looking. They made the whole process so easy. We were able to close on the house in thirty days.

Karen provided great service with a quick response. We valued her knowledge and experience in purchasing our home. Karen was an excellent realtor for us.”

“ Thank you so much. You both definitely went above & beyond requirements for Realtors! You helped me to find a home quickly, were very helpful in setting up appointments and with the closing, and after closing continue to assist with establishing needed contacts. You both are wonderful people and great Realtors! Thank you.”

“Went above and beyond what they needed to do. Were always available when we needed to contact them and were diligent in keeping in touch with us. Accomplished the job quickly and to our satisfaction.”

“Karen & Glenn are wonderful to work with! A few years ago they helped me find my first home. They were very knowledgeable, patient, and helped me the whole way through. Now I'm working with them again to sell the home as I'm moving out of state. The house sold within 4 weeks of listing! I trust Glenn & Karen and would recommend them to anyone looking to buy or sell a home.”

“We met Glenn & Karen while looking for a house and immediately felt comfortable working with them.

They have now helped us sell three homes and purchase a new home each time. The last home we purchased turned into an extremely difficult situation but Glenn & Karen were with us every step of the way, going above and beyond to insure that we were satisfied. We absolutely love our new home and highly recommend Glenn & Karen. Thanks guys!!”

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

YOUR GUDE TO

KELLER WILLIAMS REALTY RELIABILITY Founded on the principles of trust and honesty, Keller Williams Realty emphasizes the importance of having the integrity to do the right thing, always putting your needs first. It reinforces our belief that our success is ultimately determined by the legacy we leave with each client we serve.

TRACK RECORD We are proud to work for the world’s largest real estate franchise by agent count. It’s proof that when you offer a superior level of service, the word spreads fast.

KNOWLEDGE Keller Williams Realty has been named the #1 training company across all industries by Training Magazine. Our training helps us stay ahead of trends in the real estate industry through its comprehensive, industry-leading curriculum and research resources. It’s what prepares us to provide you with unparalleled service.

TECHNOLOGY Leading-edge tech tools and training gives us the advantage in effectively helping you find your home. Discover your next home from the comfort of your phone, tablet or computer. The KW App has everything you need. It gives you the ability to view homes 24 hours a day online, seven days a week, view real-time pricing data, insights from local residents, and receive expert guidance every step along the buying process.

TEAMWORK Keller Williams Realty was designed to reward agents for working together. Based on the belief that we are all more successful if we strive toward a common goal rather than our individual interests, We are confident that every Keller Williams professional shares the common goal of serving you, our client, in the best way possible.

YOUR GUDE TO

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

How Buying Home Works 1. PARTNER WITH AN AGENT

3. FIND YOUR NEW HOME

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It is important to trust your agent

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Absorb their local insight

Compare home and neighborhood averages, then narrow down the neighborhoods you want to live in

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Get to know neighborhood inventory levels

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Favorite homes and save them to collections

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Review market averages

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Complete needs assessment

See a For Sale or For Sale by Owner (FSBO) sign as you drive through neighborhoods we will make appointments to visit them

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Sign a Buyer Agency Agreement

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Open Houses—Let the Realtor know we are representing you

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New Home Developments—We MUST register or accompany you on your initial visit.

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Nix homes that don't meet the mark

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Schedule home tours and plan an itinerary with your agent

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Decide on your dream home

2. GET PRE-APPROVED FOR A LOAN 

Understand what you can afford

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Determine your monthly mortgage payment

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Understand your debt ratio

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Prepare for escrow

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Obtain a pre-approval letter

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Negotiating position with seller is stronger

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Closing on your new home can happenmore quickly

YOUR GUDE TO

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

How Buying Home Works 5. UNDER CONTRACT (CONT) 4. MAKE YOUR OFFER AND NEGOTIATE THE TERMS

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Neutralize contingencies.

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Conduct a title search

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Choose your title company

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Schedule your closing

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Solidify both contract effective date and allowable move-in dates

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Review contract terms and time limit for offer

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Negotiate purchase price

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Prepare for down payment, earnest money

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Choose a target closing date

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Certify funds for closing

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Sign the offer

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Stay in close contact with your agent, lender, and title company

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Deliver escrow check

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Stay in close contact with your agent

6. YOU CLOSE

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Acquire a property disclosure from the seller

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Transfer funds for closing

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Reserve a moving company and set a moving date

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Change your address through USPS, your bank, and other instances

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Set up your utilities to be activated or transferred

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Confirm that all contingencies are resolved

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Schedule the final property walk-through

5. UNDER CONTRACT 

Secure a home loan

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Acquire home insurance and send proof to your lender. Keller Covered streamlines finding the best insurance to fit your needs

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Request a list of what conveys with the property

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Schedule home inspection and negotiate repairs

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Designate a safe, dedicated space to save your final paperwork

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Order an appraisal

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Stay in close contact with your agent, lender, and title company

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

7. CLOSING DAY: WHAT TO BRING 

Connect with your lender to wire down payment funds. You'll need to cover the cost of closing and the down payment.

Bring a printed confirmation of your wire transfer

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Government-issued photo ID(s)

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Social Security numbers

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Home addresses from the last 10 years

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Proof of homeowner's insurance

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Your copy of the contract

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Your checkbook

8. CLOSING DAY 

Sign closing disclosure, promissory note, and all other documentation

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Title transfer

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Deed delivery

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Save your paperwork in your pre-designated spot

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Get your keys - Congrats, it's all yours!

Stay in touch with your agent for current or future recommendations regarding your new home. Use the Guide feature in my app to find step-by -step, on-demand information throughout your purchase.

YOUR GUDE TO

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

Financing Future Home HOME LOANS AT A GLANCE 

Get pre-approved for your loan

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Apply for a mortgage

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Get your home appraised

Your loan goes through underwriting You're cleared to close!

YOUR GUDE TO CONGRATS! YOU'RE APPROVED FOR A LOAN! Follow these tips to protect your loan.

DO: Notify your lender of any address change, whether it's your home address or another listed on your application Notify your lender of any salary or wage changes Be prepared to provide proof of significant bank deposits Acquire homeowner's insurance immediately after going under contract Keep all forms of debt paid and in check

HAVE-ON-HAND 

A month’s worth of your most recent pay stubs

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Copies of your federal tax returns and W-2’s from the last two years

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Last three months of Divorce/separation decree bank statements

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A copy of your real estate agreement

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The names and addresses of your landlords over the past two years, compiled into one list

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Child support papers  

Bankruptcy, discharge of bankruptcy papers The names and addresses of your employers

DO NOT Make large purchases using existing credit without first talking to your lender Apply for or acquire any additional lines of credit Pay off, transfer, or close credit balances unless your lender instructs you to do so Change jobs without first talking to your lender Co-sign for another person seeking to obtain a line of credit or to make a purchase Pay off collections before conferring with your lender

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

YOUR GUDE TO

Home Loans Integrated with KW technology, Keller Mortgage makes for a swift, simplified experience that expedites the process so you can move into your new home, faster. Available exclusively through KW agents like us, you'll enjoy unprecedented savings on time and money

The Pre-Approval, Perfected

The ZeroPlus Loan

1. Apply directly and digitally

1. A Keller Mortgage exclusive

2. Simplify and expedite the process

2. Eliminate signing and lender fees 3. Shave off up to $1,000 from thirdparty costs 4. Enjoy super-low interest rates

The Bottom Line Working with a Keller Williams agent like us has its perks. Whether this is your first time securing a home loan, or it's your 15th and you're ready for a better alternative, look to Keller Mortgage for a modern-day mortgage solution.

Keller Mortgage operates in 49 states.

Not currently available in New York.

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

YOUR GUDE TO

Your Neighborhood What neighborhoods or areas would you enjoy living in?

Are there any specific streets or characteristics in these neighborhoods you're drawn to?

If applicable, what school districts do you prefer?

Where do you work?

Where are your favorite places to shop?

What other conveniences would you like nearby?

What do you like to do for fun?

Are there any recreational facilities that you enjoy?

Any other considerations we should be aware of as we find your ideal neighborhood?

TO DOWNLOAD APP, VISIT https://kwri.app.link/KW2TGSTAJ

MAKE OUR APP YOUR HOMEBASE Our hyper-filtered search extends nationwide, beyond the bounds of traditional MLS. With layers of options never experienced before, our app allows you to search by neighborhood and school district (or whatever works best for you) revealing the insights that matter most. Save searches, favorite homes and collaborate. Get notifications whenever a good fit becomes available, wherever you are.

Apply for a loan and save through Keller Mortgage, check insurance quotes from Keller Covered.

ALL FROM YOUR KW APP!

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

YOUR GUDE TO

WE ARE YOUR PILOTS Buying a home is like taking an airline flight cross country.

When you start on your trip, you have no idea how the trip will go. Neither does the pilot! You could run into 88 different types of turbulence, or you could have a smooth flight and land on time. Certainly, the pilot will try to use his or her experience to navigate around storms and go for the smoothest flight plan, but if they’re honest, they can’t promise a turbulence-free trip. Their job is simply to get you to your destination in the least time and with the least aggravation while keeping you informed throughout the trip.

As your Realtors, we see ourselves as the pilot of your plane. Our job is to assist you in finding a home that works for you at the best price possible. We can’t promise you no turbulences, but we can promise that we’ll utilize our experience and expertise to take you on the smoothest flight that we can. And if we do hit turbulence, we won’t bail out on you. Our goal is to get you safely to your destination.

As we go through this process together, remember that we’re the pilots and you are the passenger and as we deliver beyond your expectations, please help us find more passengers.

88 Types of Turbulence Things That Might Go Wrong During Your Transaction The Buyer/Borrower: 1. Does not tell the truth on loan application.

2. Has recent late payments on credit report.

3. Finds out about additional debt after loan application.

4. Borrower loses job.

5. Coborrower loses job.

6. Income verification lower than what was stated on loan application.

7. Overtime income not allowed by underwriter for qualifying.

8. Applicant makes large purchase on credit before closing.

9. Illness, injury, divorce or other financial setback during escrow.

10. Lacks motivation.

11. Gift donor changes mind.

12. Cannot locate divorce decree.

13. Cannot locate petition or discharge of bankruptcy.

14. Cannot locate tax returns.

15. Cannot locate bank statements.

16. Difficulty in obtaining verification of rent.

17. Interest rate increases and borrower no longer qualifies.

18. Loan program changes with higher rates, points and fees.

19. Child support not disclosed on application.

20. Bankruptcy within the last two years.

21. Mortgage payment is double the previous housing payment.

22. Borrower/coborrower does not have steady two-year employment history.

23. Borrower brings in handwritten pay stubs.

24. Borrower switches to job with a probation period.

25. Borrower switches from job with salary to 100% commission income.

26. Borrower/coborrower/seller dies.

27. Buyer is too picky about property in price range they can afford.

28. Buyer feels the house is misrepresented.

29. Veterans DD214 form not available.

30. Buyer comes up short of money at closing.

31. Buyer does not properly “paper trail” additional money that comes from gifts, loans, etc.

32. Buyer does not bring cashier’s check to title company for closing costs and down payment.

The Seller: 33. Loses motivation to sell (job transfer does not go through, reconciles marriage, etc.).

34. Cannot find a suitable replacement property.

35. Will not allow appraiser inside home.

36. Will not allow inspectors inside home in a timely manner.

37. Removes property from the premises the buyer believed was included.

38. Cannot clear up liens – is short on cash to close.

39. Did not own 100% of property as previously disclosed.

40. Encounters problems getting partners’ signatures.

41. Leaves town without giving anyone Power of Attorney.

42. Delays the projected move-out date.

43. Did not complete the repairs agreed to in contract.

44. Seller’s home goes into foreclosure during escrow.

45. Misrepresents information about home and neighborhood.

46. Does not disclose all hidden or unknown defects and they are subsequently discovered.

The Realtor(s): 47. Has no client control over buyers or sellers.

48. Delays access to property for inspection and appraisals.

49. Does not get completed paperwork to the Lender in time.

50. Inexperienced in this type of property transaction.

51. Takes unexpected time off during transaction and can’t be reached.

52. Misleads other parties to the transaction – has huge ego.

53. Does not do sufficient homework on their clients or the property and wastes everyone’s time.

The Lender(s): 54. Does not properly pre-qualify the borrower.

55. Wants property repaired prior to closing.

56. The market raises rates, points or costs.

57. Borrower does not qualify because of a late addition of information.

58. Lender requires a last-minute second appraisal or other documents.

59. Lender loses a form or misplaces entire file.

60. Lender doesn’t simultaneously ask for all needed information.

61. Lender doesn’t fund loan in time for close.

The Property: 62. County will not approve septic system or well.

63. Termite report reveals substantial damage and seller is not willing to fix.

64. Home was misrepresented as to size and condition.

65. Home is destroyed prior to closing.

66. Home is not structurally sound.

67. Home is uninsurable for homeowner’s insurance.

68. Property incorrectly zoned.

69. Portion of home sits on neighbor's property.

70. Unique home and comparable properties for appraisal difficult to find.

The Escrow/Title Company: 71. Fails to notify lender/agents of unsigned or unreturned documents.

72. Fails to obtain information from beneficiaries, lien holders, insurance companies or Lenders in a timely manner.

73. Lets principals leave town without getting all necessary signatures.

74. Loses or incorrectly prepares paperwork.

75. Does not pass on valuable information quickly enough.

76. Does not coordinate well, so that many items can be done simultaneously.

77. Does not bend the rules on small problems.

78. Finds liens or other title problems at the last minute.

The Appraiser: 79. Is not local and misunderstands the market.

80. Is too busy to complete the appraisal on schedule.

81. No comparable sales are available.

82. Is not on the Lender’s “approved list.”

83. Makes important mistakes on appraisal and brings in value too low.

84. Lender requires a second or “review” appraisal.

Inspectors: 85. Pest inspector not available when needed..

86. Pest inspector too picky about condition of property.

87. Home inspector not available when needed.

88. Inspection reports alarm buyer and sale is cancelled.

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

YOUR GUDE TO

ALL OF THESE SERVICES ARE

!

All we require is your loyalty.

If you buy a home listed with a Realtor , For Sale By Owner, or Builder, you agree to use us as your Realtor to write and present the offer for you.

HOME BUYING YOUR WAY, ONE OF THE BIGGEST DECISIONS YOU EVER WHAT TO MAKE REQUIRES DILIGENCE AND SKILL. WE ARE HERE WITH THE KEYS TO SHOW YOU THE WAY.

Direct: Glenn: (239) 689-414 Karen (239) 565-3554 Email: bond@bondteamswfl.com Web Site: www.bondteamswfl.com

YOUR GUDE TO