The Harger Home Team's Home Buyer's Guide

THE HARGER HOME TEAM Buyers Resource Guide | Character.Culture.Commitment.

ABOUT SHAWN I am the youngest of 3 brothers and grew up in Arvada Colorado. As a Colorado native I love the incredible mountains that provide beauty to the landscape.

They have provided the perfect back drop for many memories while hiking, camping and exploring. I am proud to say that I attended Colorado State University (GO RAMS!) After moving to Fort Collins for school I fell in love with the area and decided to stay. I have a passion for kids and coaching and always seem to find myself on a sideline somewhere. I have been blessed to coach in some form for the last 20 years of my life. Whether high school football and track or youth soccer, volleyball, wrestling or basketball... I absolutely love it.

ABOUT KARI I am a proud Colorado native and was born and raised in Broomfield. As the youngest of seven my house was always full of laughs and lots of love. My parents instilled in me a strong work ethic and the idea that you never sacrifice your morals to get something done. The right thing is the right thing no matter what. I carry that into my life to this very day. I’ve always been active and love spending time running in our Colorado mountains. I’m still amazed by the wildlife and beauty just outside my door.

ABOUT US We started this adventure back in high school where we met in Biology class. Now, over 20 years later, we have 3 boys, 1 girl and a million memories. Over the years we have been through many ups and downs but faith and family remain the basis of our lives. Our four children never cease to amaze us on a daily basis. We feel blessed to have raised them in a great community. When our kids were young we began a weekly tradition of family night. We make homemade pizzas and eat dinner on the family room floor while watching a movie. Of course we always finish the night with a personalized dessert too.

Once a month we drive to Denver to share a meal and spend time with Kari’s siblings and their families. It is always a good time and full of fun.

The Fall brings our favorite day of the year. We take our kids to Estes Park to watch the elk. We spend the day walking main street, eating treats and walking the golf course watching the elk. If you can’t tell... our kids mean the world to us :) After separate careers we jumped into real estate together. Using our lessons from previous careers, Kari as an esthetician and Shawn as a teacher, we have created a unique system to help people with their real estate needs. Every transaction revolves around a simple saying... Selling Homes, Building Relationships. We truly feel that building relationships with everyone we encounter is the basis of everything we do. We know that buying and selling a home is a huge decision and our goal is to make that process smooth and stress free. We really mean it when we say we are the best two for one deal you’ll ever get!

REAL ESTATE EXPERIENCE AND COMMUNITY INVOLVEMENT Colorado Association of Realtors®

Real Estate Divorce Specialist

National Association of Realtors®

CNE (Certified Negotiation Expert)

Fort Collins Board of Realtors®

Certified Luxury Home Marketing Specialist

FCBR Co-Chair of Events and Networking

Founding President Women’s Council of Realtors® Network Northern Colorado

FCBR Volunteer of the Year 2016 FCBR 2016 Young Professional of the Year Finalist FCBR’s Membership Events Planning Group Young Professional Network Member YPN Advisory Council First Time Home Buyer Expert Ninja Certified

Governor of Colorado Women’s Council of Realtors® Poudre School District Volunteer Medical Center of the Rockies Volunteer The Christian Women’s Association Board Member Fort Collins Area Chamber of Commerce FCBR Education Series Chair Storm Soccer Club Volunteer

Rookie of the Year Finalist CMRS (Certified Military Residential Specialist)

CONTINUING EDUCATION

CERTIFIED NEGOTIATION EXPERT

WOMEN’S COUNCIL OF REALTORS NETWORK NORTHERN COLORADO

CERTIFIED MILITARY RESIDENTIAL SPECIALIST

CERTIFIED LUXURY HOME MARKETING SPECIALIST

CERTIFIED REAL ESTATE DIVORCE SPECIALIST

NINJA SELLING CERTIFIED

Buyers Resource Guide | Character.Culture.Commitment.

WHAT OUR CUSTOMERS ARE SAYING

“Shawn and Kari are great realtors and so fun to work with! They showed me lots of properties until I found the right

one and then closed the deal. The only negative thing is now that I’ve closed my transaction I won’t get to see them as much! I will definitely use Shawn and Kari again.” - Kim V

“We loved our experience working with Shawn and Kari. They were professional, extremely knowledgeable, and all

around, wonderful to work with. They understood exactly what we were looking for in a home, and really helped us find it. We were coming from out of state and they made our search so much easier. They were always patient, and when

problems came up, they helped us find solutions. We recommend them to anyone who is looking for a house in Norther Colorado!” - Kyle and Jamie Y

“We had an absolutely fantastic experience with Shawn and Kari. We were nervous about buying a home in such a competitive market, but they made the experience fun and offered great feedback and wisdom throughout the offer,

inspection, and appraisal process. I’ll actually miss our group text conversations! If you are looking for realtors that are

well-connected in Fort Collins, knowledgeable about the market, and who treat you like close family friends, Shawn and Kari are the team for you.” - Phil and Kelly S

“My husband and I had the pleasure to work with Shawn and Kari Harger. Their professionalism, dedication, and motivation is outstanding. We were in a rush to find a home due to a military move, Shawn and Kari cleared their schedule for two days to dedicate themselves to helping us find the perfect home. The did an outstanding job guiding

us through the closing of our home while we were still living in Michigan. We are so thankful and will use them in the future if we need to sell our Colorado home. Thank you for the great experience and dedication provided to our family!”

- Tim and MJ

“Shawn and Kari are wonderful Real Estate agents but most importantly they are incredible people! We were first time home buyers and had NO IDEA where to even begin. We first met with them to have a no pressure talk about the entire

process and ask any questions we had. A couple months later we decided to build a new home so we had a long (7 month) process ahead of us! We couldn’t be more thankful to have had Shawn and Kari by our side. There were a

couple hiccups and we were thankful to have them play the middle man/negotiator with the builder and other times we were just excited to be able to share the experience with them! We have honestly found life long friends in Shawn and

Kari and will use them again for any real estate needs in the future. I would HIGHLY recommend Shawn and Kari and will send all of our friends their way!” - Matt and Heather B

“Shawn and Kari are fantastic. Yes they’re two people but they function as one. We were moving here from over 1700 miles away and they did everything within their power, and then some, to make the process go as smooth as possible

for us!! They would schedule the showings and facetime with us so we could see the property. The entire time I didn’t feel as though they were trying to sell us a house but instead they were trying to help us find a home. It was a pleasant

change to have someone interested in your future, not just a commission. They will be our go to folks for buying and selling!! Already passed their names on to some friends. Can’t go wrong!” - Adam and Katie N

Buyers Resource Guide | Character.Culture.Commitment.

HOME BUYING PROCESS

DECISION TO BUY A HOME

Interview Realtor® Determine Your Needs Commit to Realtor®

Interview Lenders Determine Goals Pre-Qualify

Write Offer

Realtor® will help Negotiate Best Terms Market Research View Properties

Counter Offers Review Disclosures Earnest Money Deposited

Property Inspections (Home, Roof, Radon, Etc)

OFFER ACCEPTED!

®

coordinated by Buyer’s Realtor

Title Commitment Ordered ®

Buyer’s Realtor oversees & Title Company Coordinates

Formal Loan Application ®

Buyer’s Realtor oversees & Lender Coordinates

Realtor® helps review inspections and negotiate requests

Appraisal Ordered

Final credit report

Negotiate if necessary

Title Search Performed

Verification of income, assets and debts

Realtor® helps review:

Title, CCRs, HOA Docs and presents buyer’s responses

Loan Docs sent to Lender for Approval

Loan is funded and seller is paid

Received

RECEIVED

Loan package submitted to Underwriting.

If issues found, resolved and sent back to Underwriting

Title Issues Found and Resolved

All docs sent to Title company

All docs reviewed and signed by Buyer, Seller, Realtors® and Title

Buyer and Realtor® conduct a final walkthrough

Attend Closing

CLOSED! CONGRAULATIONS ON YOUR NEW HOME

Buyers Resource Guide | Character.Culture.Commitment.

Any issues found and then resolved

BUYER SERVICES

Our services include, but are not limited to: • • • • •

Initial Consultation Access to Multiple Listing Service (MLS) Personal Search Results Instant Notification of New Properties Professional Showing Guides with Maps and Note Sections • Comparative Market Analysis • Expert Negotiations • Team Concept for Immediate Showing Availability

• • • • • • • • •

Increased Availability Statistics Pricing Assistance Transaction Management Software Transaction Management Team Home Services List Search For Sale By Owners Subdivision Postcards to Potential Sellers Just Moved Postcards

Customer Satisfaction Guarantee

Our main goal is to make sure you are extremely happy with our services. We want to earn your trust and respect from the first moment we meet all the way to the closing table. If, at anytime prior to going under contract, you ever feel we are not representing your best interest you are under no obligation to work with us.

GIVING BACK WE believe in

giving back to our community.

A portion of our commission will be given to one of these wonderful non-profits. Thank you for partnering with us.

Buyers Resource Guide | Character.Culture.Commitment.

SUCCESSFUL BUYER TIPS

We offer the following tips to buyers to aid in a successful real estate transaction. If you have any other questions, or would like additional advice and information, please feel free to contact us.

1. Become a pre-approved buyer. As a pre-approved buyer, you have better leverage when it comes to negotiating with the seller. The pre-approval process is simple and will help show sellers that you are a serious buyer.

2. Beat your competition to the best listings. Staying on top of market trends is vital when you’re looking for a home. Like any other home buyer, you want the best home at the best price possible. Of course, these are the homes that never stick around for too long so you’ll need to make every effort to keep yourself aware of the latest and best listings. Seeking the assistance of a professional Buyer Specialist will help you stay wellinformed and updated on a regular basis.

3. Research market trends in your area of interest. Familiarizing yourself with the area that you are interested in will help you get a better idea of what homes are selling for as well as how long they are typically on the market. Be sure to investigate price ranges for the type of home you want. Having the help of a Buyer Specialist is a serious advantage when it comes time to make an offer.

4. Prove that you are a serious buyer. There are many different ways to prove to the seller that you are sincerely interested in buying their home. One way is by getting pre-approved which will later give you the edge in an offer situation. An even better way to accomplish this is to put down a larger payment to catch the attention of the seller.

5. Don’t settle too fast. Buying a home might be one of the largest investments of your lifetime. Because of this, your primary goal should be to make sure that you get the best deal possible for the home you are interested in. A Buyer Specialist can help you make a sound decision when it comes to making an offer.

6. Keep your offer simple. The purchase contract should be kept simple and without any unnecessary conditions, especially repairs. A seller will be more interested in an offer that is not going to be slowed down or delayed by things that do not severely affect the value of the home.

7. Don’t do it alone. With an ever changing market, today’s home buyers will find it very difficult to go through the buying process on their own. Having an experienced Buyer Specialist who can keep your best interests in mind makes a significant impact when buying a home and maximizing your investments.

Buyers Resource Guide | Character.Culture.Commitment.

970.225.5152 www.mycolohome.com

REAL ESTATE

RESIDENTIAL

L U X U RY H OM E REAL E STAT E

LUXURY

COMMERCIAL

PROPERTY MANAGEMENT

Equestrian | Farm | Ranch

FARM & RANCH

Buyers Resource Guide | Character.Culture.Commitment.

MORTGAGE

Recommended Mortgage Lenders, Accountant, and Home Inspectors

Dustin Camping

Senior Loan Officer, NMLS 240468 dcamping@houseloan.com 970-218-1980 cell 970-226-2992 office 3538 John F. Kennedy Pkwy, Suite 1 Fort Collins, CO 80525

Clark Saenz

Accountant EA, MBA saenzfinancial.com 303-460-9909 office 303-460-0220 fax

premier property inspections Dale Doering Joe Whitlock

Mortgage Loan Office, NMLS# 858990 jwhitlock@partnersunitedfinancial.com 702-281-5928 phone

Premier Property Inspections ppiinspect.dale@gmail.com 970-685-1832 phone Fax 970-446-7207 fax ppi.noco@gmail.com www.ppicolorado.com

Dan Devries Sandy Hawn

Loan Officer, NMLS# 1067586 sandy.hawn@academymortgage.com 970-227-7251 phone 1951 Wilmington Drive Fort Collins CO 80528

970-372-8052 phone 970-430-7795 cell Dan.devries@pillartopost.com www.pillartopost.com/fortcollins

Joe Anderson

970-797-3387 phone janderson@sitelogicinspection.com

Buyers Resource Guide | Character.Culture.Commitment.

Recommended Remodel, Insurance Providers, Home Warranty and Financial Advisors

tradesmenremodeling@gmail.com 970-631-1607 phone

Luke Stromquist

970-493-0045 phone 11 Old Town Square Ste 270 Fort Collins, CO 80524

Jared Smith

970-420-2628 phone

Napoleon Gibson

970-226-1200 phone 4212 S College Ave #103 Fort Collins, CO 80525

Clint Jasperson Alison Harper

Account Executive Blue Ribbon Home Warranty 970.556.8015 phone 800.571.0475office alison@brhw.com www.BlueRibbonHomeWarranty.com

Debbra Jo Abeyta

Thrivent Financial I help people be wise with money and live generously. clint.jasperson@thrivent.com 970-330-7411 office 970-330-7424 fax 307-421-7368 cell 1812 56th Ave Unit A Greeley, CO 80634-2989

Edward Spraberry

720-201-1264 phone debbra.abeyta@hwahomewarranty.com www.hwahomewarranty.com

Branch Manager edward.spraberry@lpl.com.

970-482-4418 direct 7785 Highland Meadows Pkwy, Ste 202 Windsor, CO 80528

Buyers Resource Guide | Character.Culture.Commitment.

Because of our work ethic, past clients, friends, and family, we have earned numerous individual recognitions such as Rookie of the Year, Best in the Business, Best in the Nation, Top Producer, Platinum Service, Volunteer of the Year, 2014 Style Magazine Best of Fort Collins, and many more.

Together, we offer world-class service with unparalleled results!

Thank you for allowing us the opportunity to serve you.

LAPORTE

© N

FORT COLLINS HORSETOOTH RESERVOIR

E Mulberry Street

E Mulberry Street

E Horsetooth Road

S Taft Hill Road

Thousands Of Sellers

We’d Be Honored To Help You Find Throughout Colorado Have Your Next Home!

County Line

S College Avenue

W Prospect Road

257

Hired Us For Our Marketing!

S Shields Street

S College Avenue

E Harmony Road

87 FOSSIL CREEK RESERVOIR

EATON WINDSOR LAKE

Carpenter Road

Main Street

392

WINDSOR

Crossroads Blvd.

34

34

34 257

E 1st Street

JOHNSTOWN N 1st Street

287

BERTHOUD

85

34

EVANS

402

14th Street

County Line

S Lincoln Avenue

S Taft Avenue

LOVELAND

34

W 28th Street

77th Avenue

W 1st St.

W 20th Street

83rd Avenue

87

GREELEY 11th Avenue

W Eisenhower Blvd

W 10th Street 59th Ave

34

Promenade Shops @ Centerra

65th Avenue

BOYD LAKE

85

35th Avenue

Budweiser Event Center

Boyd Lake Avenue

W Eisenhower Blvd

Madison Ave.

Garfield Avenue LAKE LOVELAND

N Lincoln Ave

Taft Avenue

N Wilson Avenue

W O Street HORSESHOE LAKE

37th Street

MILLIKEN

87

60

Information is deemed reliable, but not guaranteed. © 2014 C3 Real Estate Solutions, LLC.

Shawn & Kari Harger

Managing Broker | Broker Associate │ Harger Home Team

970.412.8470 Kari 970.412.8465 Shawn hargerhometeam@gmail.com www.hargerhometeam.com