//to buying your home
The Flourish Guide
Mission // to contribute to flourishing communities, careers and lives
Vision Statement // Our vision is to be the catalyst for positive change in the real estate industry, shaping a future where every transaction contributes to human flourishing. We envision the Flourish Network as a transformative force, championing innovation, sustainability, and inclusivity. Our collaborative approach and commitment to growth, generosity, integrity, and community enables us to build a legacy of impact that extends far beyond our business endeavors.
Our Core Values // GROWTH
A continuous pursuit of personal and professional development, embracing learning, adaptation, and improvement. It is the commitment to expanding knowledge, skills and perspectives to reach one's full potential and contribute to the betterment of oneself and others.
INTEGRITY
Integrity represents unwavering honesty, transparency, and adherence to moral principles and ethical conduct. We do what is right, regardless of who is watching.
Emphasizes the importance of fostering meaningful connections, collaboration, and
COMMUNITY support among individuals. It is the recognition that collective well-being and social cohesion are vital for the thriving of individuals and the populace at large.
Generosity embodies a selfless and giving nature, characterized by kindness,
GENEROSITY compassion, and a willingness to help. It involves sharing resources, time, and
expertise to uplift individuals, promote equity, and create positive social impact.
Our brokers are leaders of the real estate industry, who posses an unparalleled ability to grasp a property's genuine worth through a meticulous evaluation of its unique attributes. Our mastery extends to the art of negotiation and a profound comprehension of the market. Armed with their unrivaled negotiation skills and a deep understanding of the real estate landscape, we ensure that our clients are primed to make astute decisions and thrive in any real estate market.
Let's Flourish Together//
Our Track Record // // Nationally Recognized as one of 'America's Best Real Estate Firms' 2018, 2019, 2020, 2021, 2022, 2023 // Real Trends + Tom Ferry "The Top Thousand Real Estate Professionals" in the USA 2020, 2021, 2022, 2023 // Over 428 5-Star Zillow + Google Client Reviews // 2019 Denver Metro Top Producers // Top Team Award // 2020 DMAR Community Service Award // Named 2022 Emerging Leader by Real Trends // 2022 Winner of the Keller Williams Empire Award // 2023 Denver Metro Association of Realtors Winner of the Excellence Award // Named 2023 Housingwire "Rising Star"
Flourish Alliance // Flourish Alliance is the dedicated 501(c)(3) non-profit arm of our real estate network, focused on removing obstacles to human flourishing. A portion of each real estate sale supports these impactful initiatives, driving positive change in communities both locally and internationally. Together, we work to empower a world where everyone can thrive.
MISSION STATEMENT // Flourish Alliance exists to contribute to human flourishing - both in our local area and far beyond. We help communities meet basic human needs such as clothing, food, water, shelter, education, and safety (with a primary focus on shelter).
WHAT WE DO//
PHILANTHROPY//
Through volunteerism, events, local partnerships and financial support, Flourish Alliance seeks to promote organizations working in support of human flourishing. While this primarily iterates through initiatives addressing food insecurity, affordable housing, homelessness and human trafficking, it also involves projects such as access to medical care, clean water projects, support of Title 1 schools and more.
FLOURISH IN ACTION
With our exceptional tenured market leadership throughout the area, we elevate the standards of practice in our industry. Our profound community connections, cultivated through our extensive business network and fostered by our unwavering commitment to philanthropy, distinguish us from our peers. Our astute understanding of local trends, developments, and market dynamics allows us to skillfully navigate our intricate and nuanced real estate market.
Local Savvy//
Questions To Ask Your Realtor® You should interview potential real estate agents to be sure you are choosing a competent professional who will represent your best interests
Do they have any specialties? What is
What’s their track
Who else is on their
record? How do they
team to support you
help Buyers win?
through your home
their experience?
Availability How many clients are you currently serving? What is your availability?
Support
Results
Experience
purchase?
Expertise What areas geographically do they serve? What is their area expertise?
Inventory
Feedback
How many homes
Check reviews -
do they list or sell
what do clients
each year?
ahve to say?
BUYING Step 1
Sign a Buyer Agency Agreement with your chosen REALTOR®
STEP 5 STEP 6 STEP 7
STEP 8
Step 2
PROCESS Begin to Define Your Home Search with your REALTOR®.
OUTLINE
Step 3
application to confirm your buying budget
Step 4
your budget and needs list with your REALTOR®
Write + Negotiate Your Offer Have Offer Accepted By The Seller Deposit Earnest Money + Establish Escrow Schedule Home Inspections + Recieve Due Diligence Items From Seller Nagivate Inspection Negotiations Complete + Supply Documents to Satisfy Lender Conditions
Appraisal Completed Appraisal Recieved By Lender
STEP 9
Contract + Negotiation Points Are Met Title Work Is Completed
STEP 10
Final Loan Approval Is Recieved From Lender
STEP 11
Begin looking at homes that fit
Finalize your loan
Closing Is Scheduled Buyer Down Payment Is Wired* to Title Buyer + Seller Sign Closing Papers
STEP 12
Title Is Recorded + Loan Funds Possession of Property Transfer to Buyer *be very cautious of wire fraud during this stage, and call title directly for wiring instructions
Our 6 Fiduciary Duties Fiduciary duties are legal obligations that require an individual to act in the best interests of another party. Once hired, as REALTORS®, we have a fiduciary duty to our clients, which means that we must act in the best interests of our clients above our own interests, or anyone else’s.
1. LOYALTY
4. OBEDIENCE
This duty obligates a real estate agent to act at all times solely in the best interests of the client to the exclusion of all other interests, including the agent's own self-interest.
A real estate agent is obligated to obey efficiently all lawful instructions of the client
2. CONFIDENTIALITY
5. REASONABLE CARE + DILIGENCE
An agent is obligated to safeguard the client’s confidence + secrets; They must keep confidential any information that might weaken their principal’s bargaining position if it were revealed.
The real estate agent is obligated to use reasonable care and diligence in pursuing the principal’s affairs.
3. DISCLOSURE
6. ACCOUNTING
A real estate agent is obligated to disclose to the principal all relevant and material information that the agent knows
The real estate agent is obligated to account for all money or property belonging to the principal that is entrusted to them
“The greatest good you can do for another is not just to share your riches but to reveal to him his own. Benjamin Disraeli//
BUYER COSTS TO PURCHASE EARNEST MONEY // 1%-2% of Contract Price “Good Faith” deposit on the home, which ultimately goes towards your down payment. You determine this amount in your offer.
HOME INSPECTION // $400 - $600 Price determined by square footage + scope of the inspection
RADON TEST // $100 - $200 Radon is a low laying and potentially harmful gas, prevalent in Colorado
SEWER SCOPE // $200 - $500 Inspection of Sewer line for any cracks, breaks or drainage issues
APPRAISAL // $300-600 3rd Party Assessment of value of the property
CLOSING COSTS // 1% - 3 % of the Contract Price Includes lender fees, HOA dues, and title and recording fees
DOWN PAYMENT// 3% -20+ % of the Contract Price Down Payment amounts can vary significantly depending on what type of financing you obrain for your home purchase, but are often between 3-20% of the purchase price of the home. Your Lender can walk you through different scenarios and options based on your budget.
BUYING POWER CHECKLIST H O W
C O M P E T I T I V E
A R E
Y O U
A S
A
B U Y E R ?
PRE- APPROVED THROUGH UNDERWRITING 20% DOWN PAYMENT (OR MORE) ABLE TO OFFER ABOVE ASKING PRICE (~5% OR MORE) FLEXIBILITY ON MOVE IN (OFFER SELLER RENT-BACK 0-60 DAYS) FLEXIBILITY ON TIMELINE PURCHASING “AS IS” WITH RIGHT TO COMPLETE INSPECTION ABILITY TO WAIVE APPRAISAL OR ADDRESS APPRAISAL GAPS ABILITY TO INCREASE EARNEST MONEY ABILITY TO REMOVE LENDER CONTINGENCIES + DATES MINIMAL OR NO CONCESSIONS ASKED
To assess your buying power (regardless of budget or market conditions), complete this checklist. Each of these items improves your buying power.
flour·ish
//verb
1. to grow well or luxuriantly; to thrive 2. to do or fare well; to prosper 3. to be of the highest productivity, excellence or influence
//poweredbyflourish