Lisa Huber - Buyer's Guide by KlopasStratton Team

Partnership matters

Thank you for the opportunity to represent you on your home buying search.

Buying a home can be an exciting time, but we appreciate that it can also be both stressful and emotional. Our job is to make it easier for you from start to finish, and we have the experience and expertise to do just that. What we’d like for you to remember is simply this: Together, we will succeed.

At Jameson Sotheby’s International Realty, we have everything in place to deliver like no one else. We’ll work with you as a true partner and guide you through each step of your buying journey. This brief presentation will show you our value as your broker and includes important resources for you to review and utilize during this process.

Thank you once again for your partnership. We are honored to represent you.

Meet Lisa Huber

With a deep passion for residential real estate, I thrive on helping buyers find their perfect home. I stay ahead of market trends and design innovations, providing my clients with the latest insights to make informed decisions. My commitment goes beyond simply finding a house—I aim to understand my clients’ unique lifestyles, goals, budgets, and timelines to ensure every property I present aligns with their vision.

I take the time to get to know my buyers, allowing me to hand-select homes that meet their preferences and streamline the search process. My extensive knowledge of comparable properties, neighborhood features, and current market conditions means I can present opportunities that may not be easily found. At the heart of my approach is trust and professionalism. I work tirelessly to negotiate the best deals, ensuring my clients get the most value while maintaining the integrity of every transaction. My advice is honest and thoroughly researched, which is critical when making such important life decisions.

-I look forward to helping you with any of your real estate needs.

Number

Website

lhuber@jamesonsir.com

312.610.0755

klopasstratton.com/agent/lisa-huber

linkedin.com/in/lisa-huber

About the brokerage

CHICAGO’S LEADING LUXURY REAL ESTATE BROKERAGE

Jameson Sotheby’s International Realty is the exclusive Chicagoland affiliate of the Sotheby’s International Realty global network. As a leading luxury real estate brand with a storied history and lifestyle influence, we offer unrivaled access to qualified people and distinctive properties around the world.

Our commitment to excellence reflects the Sotheby’s experience and the outstanding level of service that has been the global benchmark for three centuries. With access to cutting edge technology, research and marketing, we are able to provide our clients with a customized approach to real estate that is unsurpassed in the industry.

Armed with the most sophisticated resources and the built-in integrity, exclusivity, and global reach of the Sotheby’s International Realty brand, we are dedicated to artfully uniting extraordinary properties with extraordinary lives.

Today, Jameson Sotheby’s International Realty offers four convenient locations across Chicagoland and is committed to delivering the highest level of expertise and service for every client.

Why Jameson Sotheby’s International Realty?

Experience unparalleled collaboration within Sotheby’s International Realty, both locally and globally. Our agents synergize efforts to uncover exclusive off-market listings, often securing them for clients ahead of the curve.

At Jameson Sotheby’s International Realty, excellence is our standard. Our agents’ expertise and professionalism consistently exceed expectations. Renowned for skillful negotiation tactics, we excel in securing listings amidst multiple offers, earning industry-wide respect. When you choose a Jameson Sotheby’s International Realty agent, rest assured, your best interests are of utmost importance.

Beyond real estate knowledge, we offer access to top-tier lenders, attorneys, home inspectors, and insurance agents, enhancing your home buying journey.

Global connections

OUR WORLD IS YOURS

Sotheby’s International Realty is the only truly global luxury real estate company with 26,500 advisors working in more than 1,115 offices across 84 countries and territories. Our unparalleled network works together to meet your needs and expectations.

The advantages of working with a Buyer’s Agent

Introducing you to a team of trusted and qualified lenders, attorneys, home inspectors, and insurance agents.

Booking appointments and accompanying you to showings.

Explaining and writing favorable contracts for your potential new home.

Providing a complete buyer consultation illustrating the step by step buying process.

Setting you up with MLS, private network, broker to broker network, and Zenlist network searches predicated upon your needs.

Providing comparable market analysis and market evaluations, neighborhood, and school knowledge to help you make the best decision for you and your needs.

Negotiating terms of contracts.

Accompanying you to your home inspection.

Consulting with you during the attorney review process.

Consulting with you during the preclosing timeline and reminding/ guiding you with any utility changes that need to be made.

Accompanying you to your final walkthrough.

Ensuring a smooth closing transaction is completed.

Post-closing: providing you with a list of preferred vendors that will be helpful when buying a new house.

The buying process

Initial Search Consultation & Buyer Broker Agency Compensation Discussion

Buyer Broker Agreement Executed

Attorney Review / Inspection

Home Inspections

Repairs Negotiated

Attorney Letter

3-5 days for review and approval Apply for nancing Order appraisal/survey if needed

Introduction to your Team: Lender, Attorney, Home Inspectors, Insurance Agents

Closing Disclosures

Final Re-Inspection

Final Walk Through Complete

Sent by the Buyer’s Attorney to the Seller’s Attorney including repair discussions

Obtain insurance quotes Order title/lien search

Title Commitment

Appraisal

Survey Sign Documents

HOA/Condo Estoppel Cert.

Finances, Property Search, and The Art of Negotiation

First things first: get your finances sorted. If you’re paying with cash, you’ll need paperwork from your bank or financial advisor showing you’ve got the funds for closing. If you’re financing, make sure you’ve got a pre-approval letter from your lender.

Here you’ll see some of the costs you may run into when purchasing a home. Costs vary depending on the home, so it’s best to keep all of these in mind when going through the home buying process!

Closing Cost Breakdown

The list below indicates how costs are generally divided in a real estate transaction and who is responsible for the payments. Some costs are flat fees where others are based on pricepoint and loan amount. 1Property

Appraisal (1-4 Units Conventional) $450 - $750

Appraisal (Jumbo - 5+ Units)

$30 - $70 per Borrower

$600 - $1,000+

Buyer and Seller, Each Settlement Closing

$1,000 - $2,000 (Estimated) Buyer

Title Insurance (Buyer) Based on Home Value Buyer

Title Insurance (Seller) Based on Home Value

$75 - $250

Escrow Taxes 1 - 5 Months (If Applicable)

Escrow Insurance 1 - 5 Months (If Applicable)

Tax Proration TBD by Parties

Water Certificate (If Applicable) $50

Buyer and Seller, Each

Own vs rent

Compare the advantages and considerations of owning after a 10 year period vs. renting a home.

AREA - CITY/NEIGHBORHOOD

AREA - WANTS & NEEDS

Tools for your home search

SOTHEBYSREALTY.COM ZENLIST

Discover properties in the Chicagoland area and beyond through our award-winning website: SothebysRealty.com. Available in 15 languages, our platform offers high-resolution photography and property videos (when available), providing you with the perfect tool for navigating your homebuying journey with ease.

INTERNAL DISTRIBUTION SYSTEM

An internal facing platform for listings as soon as paperwork is signed. We get access to other Jameson Sotheby’s International Realty listings before anyone else does.

Unmatched agent-to-client home search that enables efficient collaboration by putting everyone in the same space. Zenlist has a top-rated iPhone and Android app with the ability to not only search but chat with your agents about your home search and listings in one place. Chat in-app, jot noteson listings, request showings, and organize itineraries with Google Maps in a few taps.

JAMESON SOTHEBY’S INTERNATIONAL

REALTY NOT ON THE MLS WEEKLY EBLAST

Before a listing goes live, our agents utilize the brands Not Yet on the MLS eblast to showcase private listings. This is our unique opportunity to see something before it’s been shared with the public.

MLS SEARCH & THE PRIVATE LISTING NETWORK

As your dedicated agent, I have access to both the Private Listing Network and the extensive MLS database, allowing me to search, review, and pinpoint properties that perfectly match your criteria. When you start your home buying journey, I’ll tailor a precise search within the MLS, ensuring that the moment any new

listings meeting your requirements hit the market, we’ll be able to evaluate and set up a showing. Additionally, the Private Listing Network comprises off-market listings that haven’t been publicly listed yet, allowing us to set up a showing prior to the public being able to view the listing.

Making an offer –strategy and negotiation

A pivotal part of the home buying process is making an offer. With that often comes the need for negotiation, a crucial and often stressful part of the home buying journey. It’s imperative you have someone working with you to negotiate on your behalf. When you’ve pinpointed a property you’re keen on, we’ll craft a unique offer strategy for the listing. I’ll provide you with comparable property data, covering recent sales, properties under contract, and those currently on the

market. Together, we’ll gauge the current market value range. We’ll hash out the offer terms, discussing timing, deposits, and any contingencies such as inspections, due diligence, and financing. Our aim is to make your offer as attractive as possible while safeguarding your interests. I’ll then present the offer to the listing agent or seller, keeping you informed every step of the way and navigating the negotiation process with you.

Neighborhood guides

It’s crucial to have a comprehensive understanding of the neighborhood where you’re considering purchasing a home, ensuring it aligns with your lifestyle and preferences. Below, you’ll discover valuable resources providing insights into neighborhood characteristics, nearby schools, community information, nearby attractions, and essential utility transfer details to facilitate your big move smoothly:

Hinsdale

Winnetka

Evanston

Barrington NEIGHBORHOOD INFORMATION

Chicago

School Guides

New home checklist

When purchasing a new home, there are numerous utilities and miscellaneous services you need to turn on or research in time for your move. Please see below for a list of the most common items:

Throughout the real estate process in both home buying and selling, you will hear industry specific words for the first time. Below are helpful definitions of popular terms you may see during your home search and buying journey:

ACCELERATION CLAUSE Clause in trust deed or mortgage giving lender the right to call all sums owed as immediately due and payable upon the borrower’s default.

ACCEPTANCE The indication of the offeree’s willingness to be bound by the terms of the offer.

ADJUSTABLE RATE MORTGAGE (ARM) Interest rate and monthly payments are adjusted periodically during the life of the loan to correspond with changes in the money market.

AGENT One who acts as a negotiator when dealing with third parties on behalf of a principal.

AMORTIZATION The gradual retirement of a financial obligation by making periodic payments on the principal and interest.

ANNUAL PERCENTAGE RATE The nominal interest rate of a loan, plus charges for points, loan origination fees, finder’s fees, and insurance. This rate must be stated on loans covered by Regulation Z of the Truth in Lending Law.

APPRAISAL An estimate of a property’s value supported by relevant, factual evidence.

ASSESSMENT Either (1) an estimate by a government assessor of the value of property for the purpose of imposing taxes; (2) a fee imposed on property by a governmental authority, usually to pay for improve-ments such as streets and sewers; or (3) a fee charged by a community association (e.g. , in a subdivision) or an association of co-owners (e.g., in a condominium project) to maintain or repair common areas or property.

BALLOON PAYMENT The final installment payment on a note greater than the preceding installment payments; any payments larger than average on a note.

BILL OF SALE The legal document used to transfer title to personal property.

CERTIFICATE OF TITLE A certification based on immediately available public records and issued by a title company, or an opinion rendered by an attorney that the seller has good, marketable and/or insurable title to the property.

CLOSING COSTS Additional costs other than down payments

needed to purchase a property. They include points, application fee, one year’s premium for hazard insurance, tax and insurance escrow deposit, city revenue stamps, recording fees and attorney’s fees.

CLOSING STATEMENT The settlement sheet which is a statement of debits and credits for the buyer and seller in summarizing the costs involved when selling property.

COMMITMENT An agreement to loan a specified amount to a purchaser.

COMMON ELEMENTS That part of real property in condominium ownership of shared elements, including walls, structural supports, stairwells, swimming pools, etc.

CONDOMINIUM A subdivision allowing individual ownership of the units themselves and joint ownership of the common elements.

CONTINGENCY Any requirements in a contract which must be completed before the contract can be considered ready for performance.

CONTRACT An agreement negotiated and entered into by two or more parties who exchange mutual promises to perform certain acts in accordance with the wishes of both parties.

CONVENTIONAL MORTGAGE Any mortgage that is not government insured is considered to be a “conventional” mortgage.

COOPERATIVE APARTMENT Each occupant receives an undivided interest in the ownership of the apartment and a common interest in all other facilities. This is usually effected by forming a corporation with each owner receiving stock in the corporation equal to his or her investment. The form of ownership is shares/stock in a corporation. The corporation owns the real estate.

COOPERATING BROKER A real estate broker, other than the listing broker, who represents potential purchaser and participates in the sale.

CO-SIGNER One who accepts equal obligation for the performance of a contract, note or other act by affixing his or her name to the documents involved.

CUSTOMER (Prospect) The party with whom an agent deals on behalf of the principal. The agent is required to treat that person fairly and honestly.

DEED The written instrument which, when properly executed and delivered, conveys title.

DISCOUNT POINTS The amount paid by the seller of a property which will be FHA insured.

DOWN PAYMENT A portion of the purchase price for a property which is paid by the buyer in cash, as opposed to the portion of the purchase price which is either (1) advanced by a lender, (2) assumed by the buyer under the seller’s existing mortgage, or (3) financed by the seller.

DUE ON SALE CLAUSE (Alienation Clause) The clause which allows the mortgagee the option of calling the mortgage’s unpaid balance immediately due if the mortgagor sells the mortgaged property.

EARNEST MONEY A sum of money given to bind an agreement or an offer made to show good faith.

EASEMENT The right, privilege, or interest of one party in the land of another.

EQUITY The interest one has in real property as an owner above all existing indebtedness.

ESCROW A depository for papers, funds and instructions with a third party who is then obligated to carry out all instructions, providing they are in complete agreement.

FANNIE MAE The Federal National Mortgage Association (FNMA), whose primary function is to buy and sell FHA and VA mortgages in the secondary market for mortgage loans.

FHA LOAN Federal Housing Administration loans are insured by the federal government. Interest rates can be lower than for conventional loans, but the real advantage lies in the low down payment requirement, usually under 5%.

FIXED-RATE MORTGAGE Interest rate and monthly payments remain the same for the entire term of the loan.

GENERAL WARRANTY DEED A deed in which the grantor certifies that the title conveyed is free of defects which may have arisen before or during the time he owned the property.

GIFT LETTER A letter prepared for mortgagee which verifies that the sums of money being used as down payment were a gift from a relative, made without obligation of repayment.

HOMEOWNER’S ASSOCIATION An association formed to promote the common welfare of all home owners in the same subdivision; e.g. a condominium building.

LEGAL DESCRIPTION A description of property which can be recognized by law and by which the property in question can be definitely located by reference to recorded maps.

LISTING AGREEMENT An agreement between a real estate broker and the owner of property which authorizes the broker to assist in the sale of the property, as by advertising it and showing it to prospective buyers.

MARKET PRICE The price a property should bring based on comparable sales of similar properties within recent months.

MORTGAGEE The lender in a mortgage agreement.

MORTGAGOR One who makes a mortgage; the borrower.

PERSONAL PROPERTY Moveable property not permanently affixed to land or buildings.

POINTS Loan discounts collected by mortgage lenders as a means of increasing their yield on real estate loans. A point is 1% of the amount of the mortgage.

PREPAYMENT CLAUSE Provision allowing loan payments to be larger than the amount specified in the note.

PRIVATE MORTGAGE INSURANCE (PMI) An insurance premium charged by a lender to buyers with less than 20% down payment. PMI insures lender in the event that buyer should default on the loan.

PRORATION To divide proportionately among the parties involved, based on a fixed date of computations, their share of an obligation paid or due; e.g.,taxes, water, sewer, rents.

REAL PROPERTY Land itself, the improvements thereon, and the rights, title, and interest one has in it.

RESPA Acronym of

Brad Boden

Kiki Calumet

“Service Beyond The Sale” is how Brad Boden ranks among the country’s top 1% of mortgage loan officers for 10 consecutive years and running. By putting his client’s needs first, Brad maintains a personal connection during and after the loan process to make sure they get the very best service, lowest rates, and ongoing support.

With over 23 years of experience in the lending industry, Kiki Calumet excels as Senior Vice President of Lending. She specializes in guiding a diverse clientele, from first-time homebuyers to seasoned investors, through Conventional, Jumbo, FHA, and VA loan financing options. Kiki demonstrates expertise in navigating complex financial landscapes, ensuring her clients receive tailored solutions that meet their unique needs and goals.

Thank you

TRUST BUILDS A LASTING RELATIONSHIP

Thank you again for this opportunity to share our qualifications. We would love to work with you and show you why we’ve earned the trust of so many clients. Trust, of course, is all about comfort. It’s about feeling at home. Which is exactly how we want you to feel all the way to your new one.

The KlopasStratton Effect*

Sales Volume

$1,450,000

Average Sold Price

CHICAGO MARKET

$1,387,000

Average Market Time (Days)

$82,000,000 4.5% HIGHER 70% FASTER

CHICAGO MARKET