Home Buyers Guide Deb

Home Buyer's Guide

Deborah Dunham 360.790.1409 deborahdunham@olympicsir.com olympicsir.com

Our Mission Providing an unmatched level of service to build community and foster lifelong relationships.

Our Values

Services and Ethics

We are unique in our commitment to:

K N OW L ED GE Sharing wisdom through experiences EX C EP T I O N A L S ERV I C E Going further to exceed expectations

Services -

Init ial buyer home search consult at ion

REL I A B I L I T Y

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Personalized search on t he Nort hwest Mult iple

Timeless dedication you can trust

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Privat e home t ours

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Expert recommendat ions for t hird party

List ing Service

COM M UN I T Y

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company, t he list ing agent , and any ot her party involved in t he t ransact ion t o ensure proper t imely delivery of document s, disclosures, et c.

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Walk t hrough of property prior t o closing

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Post closing check ups on buyer?s sat isfact ion

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Guarant eed service and recommendat ions post closing for any and all needs/ want s for

services such as but not limit ed t o:

Caring for our neighbors with generosity J OY

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Home Inspect ors

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Sept ic Inspect ors

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Cont ract ors

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Plumbers

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Elect ricians

Overseeing t he communicat ion wit h t he escrow

buyer

Code of Ethics -

Value client ?s int erest above my own. Your best

Sharing our spirit of positivity

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In dept h analysis of propert ies such as:

Our Vision

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Comparat ive Market Analysis

int erest is my only int erest . Do not discriminat e

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Neighborhood Reviews

against anyone.

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In dept h review and explanat ion of all t o a purchase and sale agreement wit hin my

and unmatched service to our brokers, staff, and community.

Expert negot iat ions wit h t he list ing agent on

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Get clear consent from all part ies before accept ing compensat ion

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Ensure all part ies involved are aware of every decision and provided proper document at ion

buyer?s behalf -

Responsible for t he scheduling of inspect ions,

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Clear and consist ent communicat ion

appraisals, et c.

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Follow and uphold t he Washingt on St at e Real

Creat ing and providing a calendar of expirat ion dat es for all forms and cont ingencies

As Unique as the Northwest

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scope of pract icing real est at e -

Never mislead or wit h hold mat erial fact s about a property or sit uat ion

cont ract s, forms, clauses and t erms pert aining

To grow Olympic Sotheby's International Realty into the region's premier real estate company by offering innovation, collaboration,

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Est at e Laws

A LittleBit About Deborah Dunham I Make it Happen, You Make it Home!

Meet Deborah Dunham, a dedicated real estate professional with deep roots in Olympia, WA. Growing up in the Greater Olympia area, Deb has firsthand knowledge of the significant changes and growth in the Greater Thurston, Lewis, and Mason County regions. With a B.S. in Interior Design and a Minor in Business and Marketing from Western Washington University, Deb has always been passionate about construction and design. Over the past 30 years, she has successfully served private homeowners, investors, builders, and designers, helping clients maximize their real estate investments with her extensive experience and education.

Deb's commitment to her profession is evident in her ongoing pursuit of knowledge. She holds several prestigious designations, including CRS (Certified Residential Specialist), ABR (Accredited Buyer Representative), and SRES (Senior Residential Specialist), and is currently working towards her GRI (Graduate, REALTOR®Institute) designation. Her belief in "Education Equals Knowledge, which leads to Success" drives her dedication to providing exceptional service.

Known for her unwavering integrity, Deb takes a 'client-first' approach in every transaction, ensuring open communication and building strong, successful relationships. She is always readily available to her clients, understanding that accessibility and responsive communication are paramount to successful real estate experiences.

Active in her community, Deb is a proud member of Zonta International and contributes to various local causes, including Thurston County Hooved Animal Rescue, VFW coat drives, Thurston County Food Bank, Toys for Tots, and The Community Giving Fund. She believes that "We are all in this together," and her community involvement reflects her commitment to giving back.

Living on a rural property in Olympia, Deb understands the unique needs and responsibilities of maintaining acreage. Her home is shared with a variety of animals, including horses, chickens, geese, ducks, dogs, cats, burros, and an emu, keeping her connected to the realities of rural property ownership.

As your broker, Deb's extensive network of partners and deep understanding of local communities ensure that she can meet all your real estate needs, whether you?re buying your first home or relocating for new opportunities. Her brokerage consistently ranks as a top-producing real estate office in Thurston County, highlighting her dedication and expertise.

For a real estate experience built on integrity, exceptional service, and a commitment to putting clients first, contact Deb at (360) 790-1409 or email her at deborahdunham@olympicsir.com.

Olympic Sotheby's International Realty

Givingbacktothecommunity

What to Expect HONESTY & TRANSPARENCY INTEGRITY RESPECT KNOWLEDGEABLE NEGOTIATION EXPERT TIMELY & REACHABLE TRUSTED ADVISOR ACTING IN YOUR BEST INTEREST

Getting Started

Overview

Home Buying Process

CONSULT WITH AND HIRE A REALTOR

Choosing a REALTOR who will be on YOUR TEAM is so important!

MEET WITH A MORTGAGE BROKER &GET PRE-APPROVED FOR A LOAN

INITIAL CONSULTATION WITH REAL ESTATE AGENT

MORTGAGE PRE-APPROVAL

RECEIVE & REVIEW TITLE REPORT

YOUR LENDER is part of our TEAM! I have options for you!

DISCUSS BUYER'S PROCESS,FUNNEL AND CRITERIA

REMOVE INSPECTION &OTHER CONTINGENCIES

SET UP NWMLS CUSTOM HOME SEARCH

FINAL WALK THROUGH WITH REAL ESTATE AGENT. REINSPECT IF NECESSARY

Your Realtor will be your advocate and partner in your home search and will help you develop a home buying strategy. I would be honored to be your advocate and partner in this life-changing process!

A mortgage pre-approval will allow you to focus your search on homes that meet your financial needs. A pre-approval is needed as it is submitted with an offer.

HOME SEARCH PROPERTY APPRAISAL

TOUR HOMES

FINAL LOAN APPROVAL

FIND YOUR NEXT HEART-FILLED HOME AND MAKE AN OFFER

This is the fun part! We'll look at homes and figure out where you want to be and what you want!

We'll look for homes that meet your needs both on and off market. We'll view homes at your convenience. In this market, The sooner the better.

Knowing what is important to sellers is key!

Once you find a home, we'll put in a competitive offer. I follow up with the list Realtor and have your lender do the same. We will negotiate and go under contract.

REVIEW & ACKNOWLEDGED FROM LENDER

PROVIDE BALANCE OF DOWN PAYMENT & CLOSING COSTS

FIRST 5 DAYS UNDER CONTRACT ACCEPT THE CONTRACT

SCHEDULE HOME INSPECTION

SIGN CLOSING DOCUMENTS &LOAN PAPERS

I have a professional and respected TEAM to ensure you have a thorough inspection and are well represented!

FUNDS TRANSFERRED

This is a crucial time. You'll deposit your earnest money, schedule a home inspection, and complete your loan documents with your lender. Negotiations with inspection repairs may be needed.

ON YOUR WAY TO CLOSING RECEIVE & REVIEW DISCLOSURES

RECEIVE KEYS FROM REAL ESTATE AGENT

I ensure you know all the important dates and make sure we meet the deadlines.

NEGOTIATE REPAIRS IF NECESSARY

SCHEDULE HOME INSPECTION &POSSIBLE NEGOTIATION OF REPAIRS

DEPOSIT YOUR EARNEST MONEY

Your lender will order the appraisal if they haven't yet.

You'll finalize homeowners insurance, necessary loan documents with your lender and scheduling utilities and movers for the big day! Closing usually occurs 30-45 days after mutual acceptance.

CLOSING I ensure you get to the closing table with as little stress as possible and then provide you with all the resources you need in your new home!

We'll do a final walk-through of your new home before closing to ensure that everything is removed that should be and it is in good condition. You'll go to the Escrow company to sign closing documents. I'll meet you at your new home with your keys after recording!

Key Terms When Buying A Home

How I Can Help BUYER INTERVIEW:

During our first meeting, we will talk about what you desire in a home or property. This information will help us identify neighborhoods and homes that meet your criteria.

HOME SEARCH ASSISTANCE:

We will immediately setup a search in the NWMLS with the criteria you have identified.

You will automatically be notified of any new listings from the Portal. Further, we can add to our list any properties that have caught your attention either on-line or while driving around town.

HOME TOURS:

After determining which homes you would like to see, we will set up showings so that we can go and tour them. If we need to tour several times or revisit previous homes, that is perfectly fine! Also, there may be times where you are outside a home and want to see it right away. If so, just give me a call. If I can get you in, I am happy to do so!

MARKET DATA AND ANALYSIS:

During our search, I will provide you with data analysis to help you better understand the current market. By reviewing recent sales and current active home statistics, I can help you determine the market value of the homes you are interested in.

CONTRACT WRITING:

Once you determine the home you want to pursue, I will prepare a contract on your behalf and submit it to the listing agent. During this process, we will discuss how to best write the offer to increase the odds of achieving your goals.

CONTRACT NEGOTIATIONS:

Once I submit an offer, I will work on your behalf to negotiate the best price. This involves providing the other broker with data and information that supports your offer.

CONTRACT NAVIGATION:

WALK-THROUGH:

Once our offer is accepted, the escrow process is started. This process involves obtaining a loan, reviewing title work, finding insurance, inspecting the home and many other tasks. I will diligently work with you to keep things on track. This process involves bringing in many other experts to assist us along the way. I will provide you with a list of other professionals that will help us get to the finish line.

Just prior to closing, we can tour the home to ensure its condition and verify inspection items were done and repaired.

APPRAISAL

PRE-APPROVAL LETTER

Report highlighting the estimated value of the property completed by a qualified third party.

A letter from a lender indicating you qualify for a mortgage of a specific amount.

Lenders rely on appraisals to validate a home's value and ensure they're not lending more than the home is worth.

This is a critical step in today's competitive market.

CLOSING COSTS

CONTINGENCY

The fees required to complete the real estate transaction. Paid at closing.

A provision in a contract requiring certain acts to be completed before the contract is binding.

Ask your lender for a complete list of closing cost items, including points, taxes, title insurance, and more.

In today's highly competitive market, some buyers are minimizing contingencies to make their offers more appealing.

CREDIT SCORE

AFFORDABILITY

A number ranging from 300 - 850 that's based on an analysis of your credit history.

A measure of whether someone earns enough to qualify for a loan on a typical home based on the most recent price, income, and mortgage rate data.

Helps lenders determine the likelihood you'll repay future debts.

As prices and mortgage rates continue to rise, that will impact how much home you can afford.

DOWN PAYMENT Down payments are typically 3-20% of the purchase price of the home. Some 0% down programs are also available.

Ask your lender for more information

MORTGAGE RATE CLOSING:

I will review your closing documents to make sure the details are correct and then will attend the closing with you to see it to completion.

POST CLOSING ASSISTANCE:

The relationship definitely does not end at the closing table. Not only am I available to answer any questions or troubleshoot for you, but I usually become good friends with my clients. So, hopefully the closing table isn't the last time I see you!

The interest rate you pay to borrow money when buying a home. The lower the rate, the better.

EQUITY The value in your home above the total amount of liens against your home.

With current home price appreciation, many homeowners are realizing they have more equity than they thought and they're using it to move.

Sources: FTC, First American, NAR

Tobuyingahone

10 Steps

1.

2.

Buyers Agent

Buyers Agent

Prepare Finances

3.

Get Pre-Approved

4.

Start Home Shopping

1.

Buying a home is one of the most significant purchases in a lifetime. It is essential to have an experienced agent in your corner, always looking out for your best interest. A buyer agent?s fiduciary responsibility is to represent the buyer and to ensure that they are protected.

After all, a seller has someone in their corner. A listing agent has an allegiance to the seller.

Their goal is to get the seller top dollar for their home. There is incredible value in having someone working for YOUR best interests when buying a home.

GETTING YOU IN THE DOOR We will narrow down the homes that fit your unique wants and needs and get you in the door! I look at dozens of homes every week, and I can help you identify potential problems within a home.

5.

Make An Offer

HANDLING CHALLENGING CONVERSATIONS When repairs or changes in price need to be made, I will be your guide and handle requesting any repairs or changes in price to the sellers.

6.

Order An Inspection

7.

Negotiate Final Offer

8.

Appraisal Ordered

9.

Schedule The Move

10.

Closing Day

STAYING ON TOP OF THE PAPERWORK Buying a home involves many types of documentation. I have the experience and knowledge to navigate real estate contracts. Ensuring that nothing is overlooked, and that you truly understand what a paper means before ever signing on the dotted line.

ON YOUR SIDE A buyer?s agent will represent your best interests. With a pulse on the local market and a sound understanding of how various amenities effect the value of a home, we will make sure we submit a competitive offer on the right house for you.

NEIGHBORHOOD EXPERT I work daily in neighborhoods with inspectors, contractors, and negotiating with sellers. I have the market knowledge you need to get you the home of your dreams at the best price! Understanding the local real estate market is essential when it comes time to make an offer on a house.

Problem Solver I will work hard to protect all of your interests and take on any issues that may arise throughout the entire process. I work tirelessly to make sure buying a home is a fun and stress-free process.

Get Pre-Approved

Prepare Finances 2.

Prepare finances by keeping a good credit score, calculate your debt-to income ratio, save money for a down payment and closing costs, gather income, financial account and personal information and contact more than one lender.

Being pre-approved, unlike being pre-qualified, means you've actually been approved by a lender for a specific loan amount. You will need to provide documented financial information (income, statements, assets, debt & credit reports etc.) to be reviewed & verified by the lender.

3.

Conventional Loan

HOW MUCH HOUSE CAN YOU AFFORD? Mortgage lenders recommend you do not buy a home that is more than 3 to 5 times your annual household income. If you are not purchasing a home with cash, you will need a mortgage pre-approval provided by your mortgage lender. A lender will work with you to get a loan that meets your needs. Some buyers are concerned with keeping their monthly payments as low as possible, others want to make sure that their monthly payments never increase.

3%

3.5%

None

Maximum DTI

50%

57%

60%

Minimum Credit Score

620

580 with 3.5% down 500 with 10% down

None

Mortgage Insurance Required

0.58% -1.86% annual PMi premium with less than 20% down

1.75% upfront premium with no annual fees

1.25% -3.3% upfront funding fee

Best for...

Borrowers with good credit

Borrowers with fair credit or a small down payment

Service members, veterans and their spouses

A mortgage requires a good credit score. You can improve your score by: Paying down credit card balances Continuing to make payments on time Avoid applying for a new credit card or car loan until you have been approved Avoid making big purchases until you have closed If possible, avoid job changes until you have been approved

SAVE CASH FOR A DOWN PAYMENT & OTHER EXPENSES In order to make your dream of buying a home a reality, you will need to save cash for your down payment, earnest money, closing costs & home inspector.

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Down Payment is typically between 3.5% & 20% of the purchase price.

Earnest Money is money you put down to show you?re serious about purchasing a home. It?s also known as a good faith deposit.

Closing Cost s for the buyer run between 2% - 3% of the loan amount A Home Inspection costs $500 - $600

VA Loan

Minimum Down Payment

CHECK YOUR CREDIT

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FHA Loan

IncomeQualifications Qualifying Income W-2 Income/ Salary Income from part-time jobs Income from a second job Overtime & bonuses Seasonal jobs Self-employed income Alimony & child support (Documentation required)

Non-Qualifying Income Income from the lottery Gambling Unemployment pay Single bonuses Non-occupying co-signer income Unverifiable income Income from rental properties

Needed Documents W2?S FROM THE PAST 2 YEARS 3 MONTHS WORTH OF PAY-STUBS BANK STATEMENTS (PAST 3 MONTHS) PREVIOUS 2 YEARS OF TAX RETURNS LIST OF YOUR DEBTS & ASSETS DIVORCE DECREE ADDITIONAL INCOME DOCUMENTS

Start Home Shopping 4.

Needs vs. Wants Checklist

Start touring homes in your price range. It's time to start shopping!

Successful home purchases begin with understanding your needs, wants, expectations and goals.

What isimportant in your new home DO YOUWork from home?

Entertain often?

Need

Want Number of bedrooms 2 3 4 5 Upgraded kitchen All StainlessSteel Appliances

Use multiple family areas?

Separate Master Bath

Like mowing the lawn?

Updated Master Bath

Love taking care of abig yard?

Not want to spend time on yardwork?

Number of bedrooms 2 3 4 5 Basement?Finished or Unfinished Hardwood Floors

Like theideaof atownhouse or attached home?

Garage?1car? 2 car? 3car?

Want adetached single-family home?

Fenced Backyard What isyour commute like?Take public transportation?Drive?What highways?

Built after aCertain Year What isyour ideal commute time to the public transportation or highway?

Number of bedrooms 2 3 4 5

Other:

Open Floor Plan

Factors That Influencea HomePurchase

Standard Contract & Disclosures All Realtors® in Washington State use the same standard contract

LOCATION - LOCATION - LOCATION Which city, neighborhood or area do you want to live?

The Buyer submits their offer on the standard contract Purchase and Sale Agreement. If the seller accepts the offer after negotiations, both parties initial and sign. The offer then becomes the ratified contract.

Informat ion Needed for All Offers

Evaluat e t he neighborhood and surrounding areas: -

Are the surrounding homes well maintained?

How much traffic is on the street?

What are the noise levels at various times of the day?

Is it conveniently located to schools, shopping, restaurants, and parks?

How much storage is available?

Is there an abundance of natural light?

Does it have adequate cell phone service?

How does it compare to your needs and wants list?

Buyer Legal Name/ s & Current Address How You Want to Hold Title Offer Price Earnest Money Amount Closing Date Down Payment Type & Amount of Financing Current Home For Sale Information if applicable Other Information as applicable Information Needed for All Offers

Required for Submittal Pre-Approval Letter and/ or Proof of Funds

Informat ion Needed for All Offers All offers require the submittal of signed disclosures. You are signing to confirm you received and reviewed the disclosures.

There are five standard disclosures

TIP We will make sure to check every detail of each house: -

Test the plumbing.

Test the electrical system.

Open and close the windows and doors to make sure they work properly.

The Law of Real Estate Agency Agency Disclosure Form 42 Wire Fraud Disclosure Mold, Moisture and Your Home Disclosure Lead Based Paint Disclosure (if built before 1978) Inspector Referral Disclosure

Agency Relationship Agency is a relationship formed when one person represents the interests of another. Under Washington State law, once a real estate licensee and a client have entered into an agency relationship, the real estate licensee owes his/ her client certain duties and must act in the client's best interest.

What are Agency Dut ies?

A real estate licensee owes to his/ her client the duties of confidentiality, disclosure, loyalty, obedience, accountability, skill and care. A real estate brokerage also owes clients the duties of confidentiality, disclosure and accountability.

Next Steps

The Offer Process Offer to purchase real estate is a legal document used to 5. An outline a potential real estate transaction between two parties.

WHEN TO MAKE AN OFFER: So you have found THE house! Congrats! In today?s market when the demand is higher than the

SHORTER INSPECTION PERIODS: Offer to Close Quickly

amount of homes available, it is important to act fast!

AFTER YOU SUBMIT AN OFFER 1. THE SELLER COULD

HOW MUCH TO OFFER: We will sit down and look at recent sales and current buyer activity in the area, as well as, the

Writing an offer

2. ACCEPT THE OFFER 3. DECLINE THE OFFER

value of the property in it?s present condition.

This happens if the seller thinks your offer isn?t

Putting all this information together, we will

close enough to their expectations to further

determine the price that you would like to offer.

negotiate.

COMPONENTS IN OFFER:

COUNTER-OFFER

Make offer more appealing to the sellers.

A counter-offer is when the seller offers

Once we've f ound t he right propert y, we will:

1. Decide on financing 2. Determine the price you want to offer 3. Discuss other important issues to you 4. I will then present your offer

you different terms. If this happens, you PUT YOUR BEST FOOT FORWARD:

can:

We will work together to discuss your options and create your very best offer. Depending on the

1. ACCEPT THE SELLER?S

circumstances, you may have only one chance to

2. COUNTER-OFFER

make a good impression.

3. DECLINE THE SELLER?S 4. COUNTER-OFFER

PUT DOWN A HEALTHY EARNEST DEPOSIT:

5. COUNTER THE SELLER?S

A large earnest money deposit shows the seller you

6. COUNTER-OFFER

are serious

CASH TALKS:

OFFER IS ACCEPTED - CONGRATS! You will sign the purchase agreement and you

A transaction that is not dependent on receiving loan approval is more attractive to a seller.

are now officially under contract! This period of time is called the contingency period. Now inspections, appraisals, or anything else built into your purchase agreement will take place.

Escrow Period

What each party in Escrow does:

During the inspection period, we will schedule an inspection with a

Since large sums of money move around in a real

Seller

estate transaction, a trusted closing agent is required to ensure the required obligations of all

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parties are fulfilled. The safe exchange of proceeds and title are also executed at this time.

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Provides executed deed Provides evidence of any required repair work.

Provides other required documents such as tax receipts etc.

reputable home inspector to do a thorough investigation of the

6.

home. Once this is complete, the inspector will provide us with a

Order an Inspection

list of their findings. You can take the issues as-is or request the seller to address some or all of the findings. We will be mindful and reasonable on smaller items, while being very cautious and vigilant of potentially significant issues.

Issues typically arise after the home inspection, and those issues

Closing/ Escrow Agent -

tend to result in another round of negotiations for credits or fixes.

7 . NegotiateFinal Offer

Orders title insurance Orders mortgage/ contract payoffs Receives funds from buyer/ lender Prorates taxes, rents, etc.

Disburses funds Records deed and documents Issues final closing statement

1. Ask for a credit for the work that needs to be done.

Likely, the last thing the seller wants to do is repair work.

2. Think ?big picture? and don?t sweat the small stuff. Tile that needs some caulking, or a leaky faucet can easily be fixed. Repairs are still up for negotiation and perhaps a small credit would help with closing costs.

Your lender will arrange for a third party appraiser to provide an independent estimate of the value of the house you are buying.

8.

Appraisal Ordered

The appraisal lets all parties involved know that the price is fair.

The loan file then moves on to the mortgage underwriter. If approved you will receive your final commitment letter that

Lender -

Orders appraisal Prepares loan documents Deposits loan proceeds with settlement agent Provides conditions for loan funds use

Buyer -

Deposits required funds Approves inspections Arranges funds transfer from lender Fulfills conditions of sale

includes the final loan terms & percentage rates.

PROPERTY TITLE SEARCH: This ensures that the seller truly owns the property, and that all existing liens, loans or judgments are disclosed.

9.

Final Pieces

Schedule The Move Buyer Moving Checklist

UTILITIES: Prior to closing, you should schedule all utilities to be changed

2 MONTHS BEFORE

2 WEEKS BEFORE

Report highlighting the estimated value of the property completed by a qualified third party.

Contact your local post office to submit a postal change of address to get your mail forwarded to your new home.

Get boxes, packing tape, markers & other moving necessities.

Sort through every room's closet, cabinet, shelf, etc. & remove items to take with you, put in storage, donate to charity, give away, sell, or trash.

Assemble a folder of important information & documents about the property for the new owner.

FINAL WALK THROUGH:

Plan meals to use up food in the refrigerator & freezer.

We will do a final walk through the home with in the last week of

Schedule movers or rental truck or POD. Make an inventory list of your things & what box they are packed in, before they go on the moving truck.

Request school transcripts from current school to the new school for children.

Request time off work for moving day, Friday would be best so you have the weekend to get more organized.

1 MONTH BEFORE Notify utility companies with the date to stop service, & get final meter reading Cancel, move, or put on hold other subscription/ membership services such as cable, Netflix, the gym, & security.

Contact utilities & services in the new area to set up.

Gather all financial & legal records in one place.

Check if your current bank is available in your new area, or you will have to consider switching to a local bank.

new home.

closing to check the property?scondition. This final inspection

Clear out the attic, basement, garage.

Start packing infrequently used items.

to your name in time for when you take possession of your

1 WEEK BEFORE

takes about an hour. We will make sure any repair work that the

Pack suitcases for every person moving, with enough clothes & personal items needed for a few days.

seller agreed to make has been done. This is your opportunity to

Have enough cash on hand to tip the movers, & cover unexpected needs.

review any outstanding items required by the agreement. It's an

make sure it's in the same condition as the inspection, and to opportunity to have peace of mind before the sale finalizes.

10.

Closing Day

Congratulations!

HOME BUYING IS A MILESTONE!

Closing is when you sign ownership and insurance paperwork and you receive your new home?s keys after recording! Typically, closing takes four to six weeks.

During this time, purchase funds are held in escrow, where your money is held safe until the transaction is complete.

Closing Disclosure: Lenders are required to provide you with a closing disclosure, at least three days before closing. This will show you what your final loan terms and closing

Time to take a moment to celebrate

My job does not stop at closing - I will be in touch to see if you need anything! I will also continue to reach out regularly to check-in. In every

costs will be. You will have three days to review the statement. This is done to

transaction, my goal is to build a life-long relationship with the people I

ensure that there are no surprises at the closing table. If there is a significant

work with. When you refer me to your friends and family, I consider that the

discrepancy between the loan estimate and the closing disclosure, we must

greatest compliment I could receive. I appreciate you trusting me with one

notify your lender and title company immediately.

of the largest investments of your lifetime. I'm honored to be included on your journey.

Closing Table: Who will be there?

- The closing Escrow officer - The buyer(s)

Ut ilit ies

- Your realtor - Any real estate attorneys involved in the transaction

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The closing typically happens at the title company. You will be signing all closing documents and the final loan documents. There is lots of paper work so get

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Water Company varies due to location Closing: Once the title and escrow documents have been recorded with the county, you are officially the

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recording, you will receive keys to your new home.

Client Endorsements

Deborah was so patient and kind during the buying and selling process of our house! This is the second time we have worked with Deb and have really enjoyed how easy she is to work with!

Thank you so much for all your hard work, we truly appreciate it! If you're looking for a knowledgeable realtor, be sure to choose Deb Dunham, you won't regret it!

Deborah handled the sale of my home after I had relocated to another area. There were a couple of outstanding issues as I was leaving the area but Deborah stepped in and resolved them in a timely fashion. Her knowledge and experience coupled with her negotiation skills with the buyers and their agent gave me confidence

Deb responds quickly and has great

during the entire process. I would

follow through. When I decided to

highly recommend Deborah to

make an offer on my dream home, it

anyone interested in either buying

was in the sellers hands within hours,

or selling their home.

and accepted before other buyers

Thank You I look forward to helping you buy your next home

offers had even reached the seller. I am lucky to have her on my team. Deb is my goto person for the future. She is

Deb is very knowledgeable and

awesome!

clearly skilled, making the process of selling in any market a confident

Please reach out if you have questions:

one. She was so great to me, after she sold my house she worked with my Mom to purchase a home.

Deborah Dunham 360.790.1409 deborahdunham@olympicsir.com

Nothing Compares

Olympic Sotheby's International Realty 1722 Harrison Ave. NW Olympia, WA 98502

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