Home Buyer Guide Draft

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HOME BUYER GUIDE

IT'S GREAT TO MEET YOU. AS THE PREMIER REAL ESTATE GROUP IN THE SACRAMENTO REGION, THE MORE REAL ESTATE GROUP IS ABOUT MORE THAN JUST SELLING HOMES; IT’S A LIFESTYLE AND AN EXPERIENCE. With a combined 39 years of experience and a relational approach to meeting people’s real estate needs, goals, and desires, The MORE Real Estate Group is turning the traditional real estate transaction on its head by providing MORE to today's consumer who deserves and expects MORE.

COMING FROM CONTRIBUTION The MORE Real Estate Group is always looking for ways to better our community and in return, better ourselves. Each year, our team coordinates and hosts an annual Pancake Breakfast Fundraiser for a local non-profit and we are proud to say we have raised over $70,000 since the start of this annual tradition. Our team also volunteers at various events throughout the year such as The Grant Napears "Fairway to the Future" Golf Tournament, Folsom's Annual Community Service Day, Keller Williams Red Day, Hot Chocolate Bars for local school fundraisers, our annual Coat Drive for Veterans and much more. Our goal is to create purpose and significance in our business in coming from contribution.

SERVICES Real Estate Consulting Comparative Market Analysis Off Market Sales Buyer and Seller Resources Relocation Guides Professional Photography | Drone Staging Trusted Vendor Lists Market Updates Social Media Advertising Print Media Advertising Nationwide Agent Referral Network

SPECIALTIES Residential Relocation Negotiations & Getting Top Dollar First time home-buyers Retirement Investments | Flips Vacation Homes Military/VA Vacant Land | Ranch Downsizing Luxury Upgrading Multi-Family Units 1031 Exchange Contingent Sales

#1

KELLER WILLIAMS TEAM IN THE FOLSOM MARKET CENTER

#1

KELLER WILLIAMS TEAM IN THE GREATER SACRAMENTO REGION

150 FAMILIES SERVED IN 2020

MORE BUYERS GUIDE | 2

TABLE OF CONTENTS

4

YOUR TEAM

5

BUYER'S CHECKLIST

6

BUYER PROCESS

14 15 16 OUR TOWN

LOCAL SCHOOLS

LOCAL PRE-SCHOOLS

10 11 12 INSPECTION INFORMATION

APPROXIMATE COSTS AND FEES

RECOMMENDED VENDORS

29 30 32 GIVING BACK

NOTES

WHAT PEOPLE ARE SAYING

WHY WORK WITH US? Your home purchase is all about YOU. And in order to give you the MEET YOUR TEAM HERE: greatest experience possible, you need a team of specialist who can The MORE Real Estate Group help you achieve YOUR goals. The MORE Real Estate Group will take care of you every step of the way- your agent will get to know your specific needs and be able to get you into the homes that are right for you, as well as negotiate your contract accordingly. Our showing @hemorerealestategroup assistants are here to make sure that you get into homes when YOU want to. Our Closing Coordinator is here to make sure that everything from contract-to-close is handled quickly, efficiently and with great communication. This is far too much for ONE agent to do with the The MORE Real Estate Group level of excellence that you deserve, which is why it is so smart that you have hired our TEAM. MORE BUYERS GUIDE | 4

Get pre- approved Take an Area Tour Search for and find you dream home Make an offer through your agent Hire an attorney Offer accepted/enter attorney review Complete attorney review Submit first escrow check Schedule inspection-completed within 7 days after attorney review file

Be prepared with our handy and step-by-step guide

Mortgage application Conduct home inspection Get repair estimate(s) through Closing Manager Finalize inspection negotiations with attorney Purchase Homeowners Insurance Finalize loan Get mortgage commitment to Closing Manager

BUYER'S CHECKLIST

Set up utilities- MORE will provide list for easy connect Schedule closing walk through with your agent CLOSING 5

GET PRE-APPROVED List of Lenders

DISCUSS Initial Interview-we assess your needs Get loan pre-qualification Start with listing alert emails

VIEW HOMES Keep notes on impressions Remember your top 3 wants Get paperwork to lender so your loan is ready to go when you find your home 6 | MORE BUYERS GUIDE

PRO TIP: "The more money you can put down, the better! Sellers love cash in a deal!"

MAKE AN OFFER

ATTORNEY REVIEW

Client Contact form complete Initial Offer amount Good faith deposit Down payment amount Closing date Other conditions Copy of pre-approval Buyer's ltter to the Seller Choose attorney Signed Lead-Paint Disclosure Signed "Seller's Disclosure

Starts within 3 days of fully executed contract but can take as long as necessary until all parties are satisfied Showings can continue During A, either Seller or Buyer can't cancel without penalty(Seller may entertain other offers) Schedule home inspection Secure lender and start financing process

UNDER CONTRACT

Showings stop Additional offers accepted by backup only Apply for mortgage

BUYER PROCESS

Continued...

7

7

PROCESS (CONT'D)

HOME INSPECTION Between 1-10 days after AR concludes, unless otherwise stipulated in contract MORE Team representative attends with you Main/General (incl. termite, radon, structural, mechanical, etc. (3-4 hrs) Supplemental based on inspector's request Oil tank sweep

NEGOTIATE INSPECTION Review and negotiate with attorney Obtain contractor estimates for repairs (Closing Coordinator) Submit repair or credit requests to Sellers (Closing Coordinator and attorney manage this process with you)

9.

SECOND DEPOSIT DUE

Appraisal Set up through lender Your agent or closing coordinator will handle

10.

MORTGAGE APPLICATION

8 | MORE BUYERS GUIDE

Mortgage Commitment Homeowners insurance Inspection contingencies Certificate of Occupancy or Continued Use Finalize Lender Requirements Buyer's letter to the seller

Due within 10 days after AR concludes, unless otherwise stipulated in contract (Closing Coordinator will help us stay on time)

1 1.

PRE-CLOSING

REMEMBER: Set up utilities (gas & electric, water, garbage, TV, phone, internet) for your closing date Submit change of address to USPS and current services PRO TIP: Confirm move with your moving company Try to have a flexible Review closing costs with your attorney closing date- one that Lender: Loan underwritten- clear to close! lines up with what the seller wants.

12.

CLOSING TIME

Closing walk-through takes place the day of closing with your Agent Home warranty optional Buyers must attend in person or provide power of Attorney to your attorney Receive keys, documents/manuals, etc.

After closing: Legal Recording by attorney Bring check to closing for down payment and costs-confirm amount with attorney "Closing for a Cause" donation is made on your behalf

13.

HOME OWNERSHIP CELEBRATE and move in!

Ask your MORE Team for recommendations for anything you need Stay in touch!

SCAN For more about buying process

Place QRcode here

9

HOME INSPECTION

INSPECTION INFORMATION

Congratulations! you are under contract and it's time for your home inspection!

Kayla Medina Buyer Manager for The MORE Real Estate Group Place QRcode here

A few things you should know about a home inspection: you should schedule between three and four hours with your inspector. Treat this time like an "educational day" to get to know the inner workings of the home you are buying. Try to come well caffeinated, and with a full belly.

The inspector will look for issues within the home that are defective, not up to code or of a hazardous nature. They will also highlight any potential issues, in addition to pointing out appliances that may be near the end of their lifespan. The inspectors are "generalists" who know "a little about a lot of things."

Once you are ascertain what inspection items need further investigation, your agent will help obtain estimates for repairs from "specialist" contractors. Remember, stick by your inspector's side the whole time, and take lots of notes.

Once the inspection concludes, you and your agent will have a "huddle up" with the inspector to determine what the most significant concerns are. Once you receive your written inspection report, it should be forwarded to your attorney and the attorney will issue a letter with your request for further investigation and/or repairs.

10 | MORE BUYERS GUIDE

PRO TIP: Tell the Sellers that you will have your home inspection within 5 days of completing Attorney Review on the house.

Please do not hesitate to ask your agent any questions along the way!

APPROXIMATE CLOSING COSTS COSTS TO EXPECT $1500 Attorney Fees 0-1% Mortgage Lender Fees Tax Escrow = 1 Quarterly Payment $1500- $3000 Homeowners Insurance $2500 Title Fees (Title agency recommended Acres Land & Title) $450 Appraisal $750 Survey $150 Recording Fees $150 Credit Report $75 Flood Fee *Please note that this closing cost list is an approximation and your final closing costs are determined by your lender and attorneythey vary buyer to buyer based on your loan fees and tax amounts, etc. This is purely a guide and are not exact amounts.

5

VENDORS

Carpet cleaning:

VENDOR LIST

Architect Lan Linville 916-213-4328 Appliance Appliance Brothers 916.821.9821 Lake Appliance Repair 866-264-9578 lakeappliancerepair.com Cabinet Refacing Express Reface - Michelle Nygaard 916-517-8311 michelle@expressreface.com expressreface.com Chimney: A1 Chimney 916.927.4234 a1professionalhomeservices.com Pro-Vac Chimney & Vent Cleaning, LLC 530-559-8583 Cleaning: Chris Smith - Old World Building Services (916) 878-8276 Oldworldbuildingservices@gmail.com owservices.com Johnny Sparkles 916-276-4280 www.johnnysparkles.com Fairy Dust Cleaning 530.503.7441 www.facebook.com/4fairydustcleaning/ Sonia Mondragon Moon Dragon House Cleaning (916) 923-8269 Lulu's House Cleaning Service 916-203-8429 McMasters Cleaning (Justin) 916-889-1888 mcmasterscleaning@gmail.com mcmasterscleaning.com

The Specialists 916.348.7018 www.thecarpetspecialists.com ACE Carpet cleaning/Window Wash 530.682.2311 acecarpetclean1.com Bailey Boys Services 916-863-1939 baileyboysinc.com World Class Carpet Cleaning (916) 606-7149 Carpet repair: Jesse Carpet Guy (Golden State Floors) 916.821.9857 goldenstatefloors916@gmail.com Concrete: Sac Concrete Cleaners 916.582.8878 sacconcretecleaners@yahoo.com AWA Concrete Construction-Tony Abreu (530) 417-7558 awaconcreteinc.com

Electrician: Zak 916.801.3138 Justin Gomes 916-879-6464 Hood Branco Innovations 855.632.6272 hb-innovations-mobile.com Woodland Electrical Inc (530) 867-3740

woodlandelectrical.com Allcom Electric & Solar 408.767.9405 Fire Insurance Roy Rutherford / Rutherford One Insurance Services (City) 916-962-9909 roy@rutherfordoneinsurance.com

Shaun Dashti / Farmers (Rural) 916-778-5900 sdashti@farmersagent.com Adam Levine / Sky Insurance 530-277-0008

Contractor:

Fencing

Taylor Made Construction 530.919.5613 www.tmcinc.com

Superior Fence Construction & Repair (916) 790-7100 superiorfencellc.com

Magnolia Repairs 916.420.5485 magnoliarepairs.com

Aguilar Fence (916) 805-8392 aguilarfence.com

Good Life Construction (916) 833-1379 goodlifeconstruction.com

Classic Fence Co. (916) 330-1144 classicfenceco.com

Doors - Screens The Screen Guys - Chris (916) 984-9500 thescreenguys.com Dryer Vent Cleaning: Dryer Vent Wizard 866 498-SAFE(7233) www.dryerventwizard.com Duct Cleaning Advanced Air Duct Cleaning Solutions 916 519-4569 gfazil@dryerventwizard.com

Flooring: Jesse 916.821.9857 Home Insurance Erik Sjolie - Sky Insurance Brokers 916-919-7454 Cliff Hinkle Summit Insurance 916-622-4310 Ken Marks Goosehead Insurance 916-787-5201 916-257-0900

Handyman Miguel Medina 916.224.0453 medina7407@rocketmail.com Jeremy Robinson 530.559.0315 jwrbuilding@hotmail.com Wyatt Berry 916.293.1004 Todd 916.693.2306 The Handy Pro tom@thehandypro.com Brandon 916.923.8883 Matt 916.778.6201 Brenton Shaver 530.919.9559 brent@challengerwoodworking.com Mr. Handyman (916) 318-5229 www.mrhandyman.com Wyatt Beck 916-960-6831

A.L.T. Home Inspections LLC 209-256–5188 althomeinspections@gmail.com www.spectora.com TAG Home Inspections INC (775) 830-2427 taginspections@gmail.com Home Warranty First American-Stephani Jeter sjeter@firstam.com Old Republic Home Protection Tanya Rivera 800.282.7131 Ext. 1202 tanyar@orhp.com orhp.com HVAC: Premium Heating and Air (Bob) 916.944.8829 premiumHVAC@JPS.net bob@premiumheatingandair.com The Good Guys (Bill Roberts) 530.391.9339 service@goodguysheatingcooling.com www.goodguysheatingcooling.com Erik Trejo 916.838.3901 ekto_lora@yahoo.com Junk Removal

C&D Handyman Services (Craig) 916-740-3794 (Office) 916-838-4064 (Cell)

Young Gun Junk Removal 916.751.0255 younggunjunk@gmail.com younggunjunk.webstarts.com

Three Nails Handyman (Eric) 916.674.2639 Eric@ThreeNailsHandyman.com

Landscaping

Bob Langan Landscape Design 916-247-0616 boblangan@sbcglobal.net Electrician, Plumber, Phones, Generators, boblanganlandscapedesign.com HVAC Rpr. - John Parks Your Way Services (Malcom) 530.713.3900 916.969.0260 i jonparks64@gmail.com nfo@yourwayservices.com Home Inspection: Ken Bella Lago Landscape Design (916) 792-5979 North American Home Services 916-481-0268 orders@natpc.com Locksmith https://nahspro.com UPI 916.788.1111 www.unitedpropertyinspectors.net

Re-Key 916.933.6811 http://californiarekey.com/

WIN 916.256.4374 www.winhomeinspectionssierra.com

Mold

Art Quillen 916.835.9076 Whitaker Home Inspections 530-457-7400 lee@whitakerhomeinspections.com https://whitakerhomeinspections.com Insight Inspections 530-622-7188

Curtis Roberts 916-690-4884 curtisrobertsmold@gmail.com www.curtisrobertsinspections.com Mulch/Sand/Gravel/Rock Hastie's Capitol Sand & Gravel (916) 361-2760 http://www.gohasties.com/

Mold Remediation Water Smoke & Mold Removal 916-779-3946 watersmokemold.com Water Mold Fire Restoration 800-905-0277 help@watermoldfire.net watermoldfire.net/home Serv Pro 209-912-9205 servpro8912@gmail.com wservproamadorcalaverascounties.com/ Moving Service Make Your Move Folsom 916.799.0117 www.makeyourmovefolsom.com A Better Moving Company 916-489-3322 www.abettermoving.com Painting Dana Mavy 916-420-4100 van Bermudez 707.863.2589 Painters Plus (Jasmine) 916-985-7777 paintersplus123@gmail.com www.paintersplus.com Angel's Painting (Gustavo) 916.634.9996 www.theangelspainting.com Sean Gilbert 916.765.8959 Jim 916-226-7369 Marcus Charles 650-274-6228 Josh Strutz 916-813-3956 strutzjosh@yahoo.com Quality Custom Painting Inc. (Jose & Miguel) 916.969.5764 / 916.710.6340 qualitycustompainting@outlook.com Ed Fanger 916-539-0020 www.johnsonfangerpainting.com Pet Sitting Here for You Professional Pet Sitting 916.308.3286 hereforyou2017.com Structural Engineer Element Engineering 775.762.5461 andrew@elementengineer.com elementengineer.com

VENDORS

Mr. Rooter 916 596-2740 www.mrrooter.com

VENDOR LIST

Pest Inspection North American Home Services 1-800-732-2847 www.natpc.com Prospector Termite (530) 621-4311

Septic Lids Ned Carnett's Son 530-622-3162

Darin McWilliams 916-847-5963

Dalton - Margolin Backhoe and Hauling 530-313-3852

Pool

Septic Contractors

Triple-G-Gunite Margolin Backhoe and Hauling (916) 599-7043 (530)644-0483 tripleggunite@yahoo.com www.swimmingpoolsacramento.com/ Dale Sealander (530)642-9721 Pressure Washing

Rob Reed (530)305-3757

Premier Visuals Architectural Media (530) 401-5128 matt@premiervisuals.com premiervisuals.com/

Old World Building Services (916) 878-8276 John Pine Oldworldbuildingservices@gmail.com (530)919-3465 www.owbservices.com Solar Pinnacle Pressure Washing (916) 209-0259 True Light Solar: www.PinnaclePressureWashing.net Clearning, Inspections, Maintenance 916.581.1773 lindsey@truelightsolar.com Rattlesnake www.truelightsolar.com Rattlesnake Ready, LLC. Bright Home Services 530-200-1880 Cody Will (security, home automation, solar, rattlesnakeready@gmail.com roofing, windows, HVAC) 916-918-3162 / 916-633-0044 Roof jesse@brighthomeusa.com www.brighthomeusa.com Roof Checks - #1 (916) 222-6688 i nfo@roofchecks.com Staging www.roofchecks.com/ Premeir Home Staging Bardo Ramirez Roofing (Steep Roofs) Nicole Runkle 916-459-0416 916.709.7667 / 916.298.3236 (Noelle) Info@premierehomestagingllc.com Harlan Quality Roofing, Inc. premierehomestagingllc.com/ 916.292.9466 harlanroofing.com Room Works Valerie Isaacson-Stock Garner Roofing 916.305.5848 530-644-5325 val@roomworksorganizing.com shannons@garnerroofinginc.com www.garnerroofinginc.com/ Virtual Staging Miles Minno Photography Gold Country Roofing 916-549-5899 (530) 644-1110 miles@milesminnophotography.com goldcountryroofing@gmail.com milesminnophotography.com

Virtual Homes 24/7 (916)420-5485 virtualhomes247@gmail.com www.virtualhomes247.com

Handcock Roofing (530) 592-0688 hancockroof@gmail.com www.facebook.com/hancockroofer

Plumbing

Triark Roofing 916-276-8632

Twin Termite 877.794.8946 www.twintermite.com Sierra Wildlife Control 916-462-1700 www.sierra-wildlife-control.com Millennium Termite & Pest 800-273-0988 www.mtpest.com/realtor-information Pest Repairs Good Life Construction (916) 833-1379 info@goodlifeconstruction.com goodlifeconstruction.com Photographer/Video Glenn Rose Photography 916.370.4420 GLENNROSEPHOTOGRAPHY@outlook.com www.glennrosephotography.com David Johnson Productions 208.310.2325 davidj117@gmail.com www.davidjohnsonproductions.biz

Domco Plumbing 916.934.2440 www.domcoplumbing.com American Plumbing &Drain Cleaning 916.599.0554 www.americanleakdetection.com/sacramento/ American Leak Detection 916.331.6443 www.americanleakdetection.com/sacramento/

Central Pacific Roofing, Inc. 916-726-1571 centralpacificrfg@comcast.net South Shore Roofing 425-463-5582 ssr_530@yahoo.com

Welcome Home Staging 916-773-4400 Upstage 916-879-3322 upstagestagingco.com Well Precision Pump & Water Works (530) 622-9075 pumpguy22@yahoo.com www.precisionpumpandwater.com

Windows

Cannon's Well Pump Service 530-913-7225 a.mikecannon@yahoo.com www.cannonswellpumpservice.com

Dick's Rancho Glass 916.363.6554 ashley.bacon@dicksranchoglass.com www.dicksranchoglass.com

Valley Pump (Water Inspections/Testing) 530-673-2930 valleypmw@gmail.com valleypumpyubacity.com

MAIN TOWNS WE SERVE IN

{{Highlights per Area}}

FOLSOM ROCKLIN ROSEVILLE SACRAMENTO EL DORADO HILLS AUBURN ORANGEVALE LAKE TAHOE

FOLSOM The City of Folsom is renowned for our highly ranked FAVORITE RESTAURANTS schools, low crime rate, strong employer base, natural amenities, and abundant recreational Sutter Street Steakhouse opportunities – plus outstanding shopping, dining, Chicago Fire Visconti Ristorante and entertainment options. We are a full-service city, Manderes providing a wide range of quality programs, services, Fat's Asia Bistro - Folsom and amenities to our residents. Excellence is our priority and city staff provides exceptional customer COMMUTING service, and puts out the welcome mat for its http://www.sacrt.com/ residents, businesses, and visitors.

FAVORITE SPOTS The historic Rainbow Bridge Snooks Chocolate Factory Davies Park GROCERY STORES Whole Foods Winco Foods Nugget Markets

ROCKLIN Rocklin is a preferred location to live, work, visit, and grow business because of its convenient location, excellent schools and universities, abundant recreational opportunities, and the highest commitment to public safety. The City of Rocklin was recently ranked as the 7th best California city to live in, according to the business website chamberofcommerce.org.

FAVORITE RESTAURANTS The Chef's Table Out of Bounds Brewery Barn Burner Anatolian Table Primo Pizza COMMUTING Placer County Transit www.rocklin.ca.us/post/rail

FAVORITE SPOTS Quarry Park Whitney Oaks Golf Club Wilderness Archery GROCERY STORES Grocery Outlet Save Mart