The Home Buyer Guide
The Berkshire Hathaway HomeServices Difference
We are proud to lead the way in marketing and technology, however these innovations are not what define us. Our unparalleled value is in each one of our sales associates and their industry knowledge, professional experience and commitment to building a relationship with you that far outlasts the closing table. Berkshire Hathaway HomeServices is the FOREVER BrandSM. Our team members are local experts, community activists, liaisons, advisors and oftentimes a friendly ear to listen. We earn trust by partnering with you to achieve your goals and look forward to the opportunity to help you thrive in the communities we serve or wherever life takes you.
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Thank you,
Agent Name
Agent Title
Home Buying Process
The buyer experience begins and ends with you. I will serve as your professional consultant to guide you through this transition, and any future real estate needs. I am dedicated to streamlining your experience so you can focus on the demands of daily life.
Determine criteria, needs and urgency.
Discuss financing options and the process for finding the right property.
Financing
Introduction to our Home Mortgage Consultant and completion of the pre-approval process.
Home Loan Document Checklist
Use this helpful checklist to gather documents for your home loan.
Income Information
□ 30 days most recent pay stubs with year-to-date information for all jobs and for each borrower
□ Federal tax returns for the 2 most recent years (1040s)
□ W-2 or 1099 forms for the 2 most recent years
□ Retirement and/or social security income award letter
□ Written explanation if employed less than 2 years or gap in employment in the last 2 years
Credit Information
□ Most recent 2 months asset statement listed on the application — all pages to each statement even if blank (Example: checking account, savings account, CDs, money market accounts, IRA, 401k, etc.)
□ If applicable: credit explanation letter for any late payments, collections, judgements or other derogatory credit items
□ Documentation for any large deposits outside payroll or gift fund deposits shown on asset statements
□ If applicable: previous payments for alternative credit sources
Special Information, if applicable
□ Last 3 years complete Federal tax returns (both personal & business returns)
□ Year-to-date profit and loss statement
□ List of all business debts
Other Information
□ Real Estate Agent Information (if applicable)
Agent name: Contact Number:
□ Homeowners Insurance Information
Agent name: Contact Number:
□ Additional:
□ Additional:
Thislistisonlytobeusedasaguide.
Finding the Right Home
Review various neighborhoods and areas to identify those that match your criteria.
Begin home showings to find your perfect home.
Making an Offer
Review of disclosures and property information to make an informed decision.
Review comparable sales and market conditions to determine offer price.
Be prepared with your pre-approval letter, due diligence fee, and earnest money deposit.
Negotiations
Offer is delivered to the listing agent for presentation to the seller.
Seller responds with acceptance, rejection or a counter-offer.
Offer becomes a binding contract once all parties have signed and communicated.
Contract Period
• Monies referenced in offer are delivered
• Property appraisal is conducted as part of the loan approval process
• Schedule closing attorney
• Select title insurance policy and secure homeowners insurance
• Schedule inspections as requested on Professional Services Disclosure and Election form
• Arrange for movers and utility transfers
• Review Closing Disclosure and arrange for monies to be delivered for settlement
• Conduct your final walk-through of property
• Attend settlement
Closing attorney records deed.
Receive keys to your new home!
Beyond Closing
At Berkshire Hathaway HomeServices Carolinas Companies we are committed to building lasting relationships based on trust and care. I will continue to be a resource for you by providing annual real estate reviews and recommendations for service providers. I also look forward to assisting your friends and family.
Estimated Closing Costs
This should be used as a checklist for informational purposes only and costs are not to be construed as actual closing figures. A final, detailed breakdown will be made available before closing.
Smooth Transition to a New Home
4 WEEKS BEFORE MOVING
• Contact and contract with a reputable moving company.
• Have school records transferred.
• Arrange to transfer or transport medical, dental, and other important records.
• Transfer homeowner’s and auto insurance to be sure of continuous coverage.
• Hold a garage sale, donate unneeded items, and place excess items in storage.
• Keep track of moving related expenses (some may be deductible).
3 WEEKS BEFORE MOVING
• Complete change of address with the post office, subscriptions, credit card companies, and important contacts.
2
WEEKS BEFORE MOVING
• Arrange for final utility readings at the former residence the day after moving out, and have utilities and phone turned on at the new home the day before moving in.
• Close, update or transfer bank accounts.
• Arrange for transfer of vehicle registration and drivers’ licenses.
• Have an extra supply of prescription medications for the next four weeks.
• Schedule a final walkthrough of the property; make sure everything is in order.
MOVING WEEK
• Keep valuable financial records and personal papers with you; do not pack them with the rest of the household goods.
• On closing day, the home purchase documents are recorded and the home is now yours.
• Move in.
AFTER MOVING IN
• Consider plans for landscaping design, installation, and maintenance.
• Review home security requirements and systems.
• New home furnishings, appliances, and interior decorating will make the house a home.
BERKSHIRE HATHAWAY wants to be in businesses that are enduring. Real estate brokerages will be around 100 years from now and HomeServices of America will be around 100 years from now. We love that HomeServices is part of Berkshire Hathaway and we would love to see it grow a lot.
— Warren Buffett Chairman and CEO Berkshire Hathaway, Inc.
Title Insurance
At real estate closings, the lender, if any, requires a title insurance policy (Loan Policy) to ensure that the lender’s interest in the property is protected. To protect your investment and ownership in the property, you also need a title insurance policy (Owner’s Policy). There are no annual payments to keep the policy in force. A one-time fee at the real estate closing protects you against a wide variety of risks to the title of your property.
As part of the seamless transaction for our clients, we are pleased to offer title insurance through our wholly-owned title insurance company, Attorneys Title. Attorneys Title has
provided title insurance to North Carolina homebuyers for over 35 years. As an agent of First American Title, Commonwealth Land Title and Chicago Title insurance companies, our experienced staff and legal team are prepared to handle all of your title insurance needs. We have access to over 2 million prior policies and provide a reissue rate when applicable, to help ensure you are getting the best price for your title insurance. To take advantage of our streamlined process, simply indicate to the attorney of your choice that you designate Attorneys Title as your title insurance provider.
Strength, Trust & Integrity
Berkshire Hathaway Inc. is a worldwide holding company based in Omaha, NE. Its Chairman and CEO, Warren Buffett is ranked one of the world’s most influential people according to Time magazine. “When people are making the decision of the magnitude of buying a house, it’s the biggest decision a great many families will ever make. They want to know who they’re working with and we think that the Berkshire Hathaway name will be reassuring to many of those people,” says Buffett.
Berkshire Hathaway HomeServices Carolinas Companies benefits from a globally respected reputation and a sound financial foundation. Our roots are local, and our reach is global.
As proud members of this remarkable network, we thrive on helping buyers and sellers find their perfect home whether around the corner, across the country, or anywhere in the world.
Our Promise
BEYOND OUR NAME THERE ARE CERTAIN QUALITIES THAT DEFINE US – TRAITS, PRACTICES, VALUES.
EXCEED expectations for exemplary service and professionalism in everything we do.
BUILD lasting relationships based on trust and care with our clients and the communities we serve.
UNSURPASSED SERVICE
in every major market in North Carolina and Upstate South Carolina
PARTNER with our associates to create an environment that fosters success and meaningful careers.
REDEFINE the home buying, selling, and owning process by integrating each element into a seamless real estate experience.
Client Testimonials
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— NAME
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