Buyers Package • Rob Rahter

“Real estate agents more accurate than technology.”

are 177%

Heather Jackson CEO & Co-Founder, Relola

“Buying a home is one of the most important investments you can make. You can always count on our team to assist every step of the way. Our mission is to make moving a seamless process. We will ensure your experience is personalized for your wants and needs.

Welcome Home.”

- Rob Rahter -

Associate

407.497.4526

Rob@stockworth.com

The Rob Rahter Team

Melissa Koepplinger serves as the assistant executive to the Rob Rahter Team delivering excellent client care in all aspects of the transaction. As a licensed sales associate with more than ten years of real estate support, Melissa assists sellers and prospective buyers by showing property, managing logistical deadlines, coordinating vendor involvement, event planning, and broker and open house facilitation. Melissa fosters our internal and external agent partnerships to maximize relationships and exposure and specifically works closely with Stockworth’s in-house video production team of videographers and producers to effectively and properly showcase each property and its unique story. She is a proud graduate of Florida State University and the University of South Florida, wife to a local home builder, and a mother of three.

407.252.4598

MKoepplinger@stockworth.com

PREFERRED LEGAL PARTNER & CLOSING AGENT

Fisher Law, P.A. is a boutique real estate focused law firm with two locations in Orlando and serves as the preferred legal partner and closing agent for The Rob Rahter Team. Attorney Andrew Fisher has nearly two decades in the real estate field – not only as an attorney – but also a real estate broker, investor, and loan originator. Andrew and his team provide seamless transaction support from contract to close for their clients. And when legal representation is needed, Fisher Law stands ready to transition from a closing agent to full-service legal representation.

Andrew M. Fisher

Fisher Law, P.A

321.299.9409

Afisher@fisherlawpa.com

Leadership & Creative Team

EXPERIENCE THE DIFFERENCE

Stockworth advocates for our clients, guiding them through the real estate transaction with extraordinary service, uncompromising ethics, and exceptional knowledge. Our group of outstanding practitioners and their support team have a strong commitment to service, integrity, and professionalism. We build lifelong relationships by providing unparalleled experiences for our clients.

Jared Eslick Creative Director

Melissa Koepplinger Director of Relocation

Jason Schmidt, CCIM President, Broker

Mark Hayes, CCIM Owner

Jodi Hayes COO

Presser Social Media Manager

Let’s Find Your Dream Home

What I will do to help you through the home buying process… associations, and other key lifestyle enhancers.

• Set up a customized search portal to provide immediate and updated access to the Stellar MLS

• Email you directly listed homes that match your search parameters. You will be the first to

• Provide a comprehensive market valuation of all homes of interest to you. My experience and

“on the streets” knowledge will help determine the right price in today’s changing market.

• Craft a winning offer that you will be confident in presenting.

• Expertly negotiate the right deal with the right terms.

• Provide recommendations on preferred vendors including lenders, inspectors, home insurance

• Guide you through the entire process from offer, acceptance, transactional timelines, and all

• Make introductions to decision makers at local private schools, country clubs, homeowner’s system. You can review listed properties I send you directly or through an automated search system, which I will set up specific to your criteria. You will be able to mark your favorites, write notes to me, and discard the rest. You will also be able to perform your own searches using real-time MLS, which is updated every few minutes – unlike other sites like Zillow or Realtor.com. know about new listings and price changes with matched properties. providers, builders, contractors, and other related service providers. insurance providers, builders, contractors, and other related service providers.

The Buying Process: Where to Begin

Do this first, right from the start.

You would not start searching for a new car without knowing how you’d pay for it. The same is true with a house. If you are not paying cash, you will need to talk to a lender BEFORE you step foot in a house. There is nothing more disappointing than to test drive a car only to find out afterwards it is out of your budget.

Questions to ask while shopping for your lender

• What is his/her reputation within the community?

• How many loans do they close each year?

• Is the company well known in the area?

• How long has the company been in business?

• Does the lender have access to a wide variety of loan packages?

• Can the interest rates be locked in and for how long?

• Does the lender offer your loan product (FHA, VA, Specialty, etc.)

Things to be aware of when shopping for a lender…

Quoted rates over the phone are rarely locked prices. Rates can be subjected to change unless they are predetermined for a specific period of time.

Interest rates can change daily. A quote you receive today may not be the quote you receive tomorrow.The interest rate you are quoted over the phone may not be a program that will fit your needs or situation. Many lenders will discount their posted rates for well qualified customers.

The Buying Process

The fun part. But no, it’s not as easy as it looks on TV.

We all love to watch the home buying process on TV. Buyers walk through three pre-selected homes that are vastly different and seemingly nothing like what the buyer wanted to see, then pick one of them to buy in less than 30 minutes. If only it were that easy.

Me the Matchmaker

Finding the perfect house for you takes years of experience from me. I have lived in this community for more than 20 years. I know the schools, the neighborhoods, the restaurants, the Country Clubs, the commute – and many of the builders – who have helped shaped this part of my world. And I am excited to share that insight with you.

The value I deliver goes far beyond the doorstep. I’m here to guide you through the process of not just finding your next house but also delivering the full experience to help you adjust to your new lifestyle.

We’ve all heard the old adage: the three most important factors in real estate are location, location, and location. Which is why neighborhoods are so important in my search process. In our buyer consultation, you shared with me what’s important to you in your future home. Some things can be added or changed in a home, but some things, like the location, cannot.

What can be often changed or added:

• Paint, wallpaper

• Kitchen & Bathrooms

• Bedroom Count

• Summer Kitchens

• Swimming Pools

• Structural Expansions (If space permits and if permitted by HOA, County)

Since the location cannot be changed, the focus for a new home needs to be primarily driven by location. Location also includes school zoning - even if schools are not important now, they certainly matter when it comes to the value of the home and the re-sale potential.

Rob’s Mortgage Partners

Here are some I have worked with in the past

Selecting a lender is an important decision. There are benefits to using a direct loan officer at a bank or credit union and there are benefits to using a mortgage broker. I would urge you to talk to at least three representatives to determine which loan specialist and loan program is best for you. Be sure to ask about rates, fees, and anticipated closing costs. You may also ask if that person will be your point of contact throughout the transaction.

The lender is selected solely by you, the client, and not me or one of my representatives. However, as a courtesy to my clients, I have assembled a list of recommended lenders my clients or business partners have used in the past and found to be reputable, honest, and professional. I do not guarantee, endorse, or get any financial benefit from any lender.

Nicole M. Johnson

Element Home Loans

5401 S. Kirkman Road, Suite 500

Orlando, FL 32819

P: 407-367-5576

C: 407-493-8733

F: 407-315-0047

Nmjohnson@elementhl.com

Rob Neill Bell Bank

243 W Park Avenue, Suite 200

Winter Park, FL 32789

C: 407-653-8006

RNeill@bell.bank.com

Greg Mazza

TD Bank

1560 N Orange Avenue, #100

Winter Park, FL 32789

O: 407-622-3585

C: 407-758-8303

Gregory.Mazza@td.com

Laura Hilton

Truist Bank

C: 407-616-7949

Laura.Hilton@truist.com

Donald Lake

First Horizon

315 East Robinson Street, STE 350

Orlando, FL 32801

P: 407-810-5264

Don.Lake@firsthorizon.com

Jason Rutland

Premier Home Funding

140 Crown Oak Centre Drive

Longwood, FL 32750

P: 407-616-3433

Jrutland@PremierHomeFunding.com

Michele Barnett Truist

400 Park Avenue, Suite 200

Winter Park, FL 32789

C: 407-496-3121

Michele.Barnett@truist.com

Chris Wanzenberg

Winter Park National Bank

201 N New York Avenue, Suite 100

Winter Park, FL 32789

O: 407-853-7129

C: 407-415-3089

Cwanzenberg@wpnb.com

Michael Smalley

Waterstone Mortgage Corp

2699 Lee Road, Suite 480

Winter Park, FL 32789

D: 407-645-6300

F: 407-628-2609

Msmalley@waterstonemortgage.com

Robert Cleland

Florida Community Bank

369 N New York Avenue

Winter Park, FL 32789

C: 407-492-2697

Rcleland@fcb1923.com

Andy Dame

FBC Mortgage

1 West Church Street, Suite 300

Orlando, FL 32801

O: 321-422-7761

C: 801-735-6828

Adame@fbchomeloans.com

Bruce Woodburn

Summit Mortgage Corporation

2729 West Fairbanks Avenue

Winter Park, FL 32789

O: 407-869-8830

C: 407-230-6599

Bwoodburn@summit-mortgage.com

Required Loan Documentation

• Photo ID

• Social Security Number

• Date of Birth

• Home addresses lived at as a primary residence for the past two years

• Addresses for any rental properties including mortgage statements and

• Work address, phone numbers and employment position for the past two years

• Checking and savings account statements for the past two months

home owners association bill (6 months for child support/alimony)

• 401K/IRA statement last quarter

• Four most recent pay stubs. If you have received a recent raise please let

the lender know business (if applicable)

• Federal income tax returns for the past two years for both personal and

• Divorce settlement papers if receiving child support, alimony, or if

ex-spouse pays a debt

• Gift letters if you are using gifts from parents, relatives or organizations to

help cover the purchase costs

• Social Security/Disability Award Letter

• Pension Letter from Employer

• Home Owners Insurance binder when a contract for purchase is fully executed

Showings

• Many homeowners prefer 24 hours notice prior to showings

• No more than 5 properties in 1 day

Open Houses

Feel free to explore on your own, but be sure to drop my name

Weekends are prime time for Open Houses. Feel free to visit as many as you’d like, just be sure to tell the agent hosting the open house you are working with me. If they ask you to fill out a registration form and you agree, know you have given that agent permission to contact you. I suggest simply giving your name and write my name and contact information next to yours.

New Construction

The key to getting the best deal on the table

In your new home search, you may consider buying a new home from a builder. Certainly you’ve seen the signs for Model Homes and on-site Sales Centers. These can be great opportunities to look at homes where you can pick your floorplan, select your lot, and choose all the options – from kitchen and bathroom cabinetry, to flooring, added rooms, and even a sparkling pool!

Feel free to tour as many Model Homes as you’d like on your own and even ask the on-site sales representatives any questions you may have about the house and the community. However, you MUST tell the sales agent ON YOUR FIRST VISIT you are working with me. Otherwise, builders do not allow buyers to add representation after your first visit. I suggest not even discussing pricing or incentives with the sales agent – let me handle those discussions.

If you fill out a registration form, please make sure you write my name on the form so there is no misunderstanding – even better, give them one of my business cards if you have one. Keep in mind, on-site sales agents work for the builder, not for you. My job is to negotiate the best deal plus incentives for you and provide full representation through all steps of the transaction.

Sometimes at new home communities, buyers feel they will get a better deal if they don’t use a Realtor®, but this is simply not true. In fact, in my experience, you may miss out on incentives or deals that I may know about that can save you several thousands of dollars in the price of the home or in closing costs. Builders keep real estate commissions separate from Buyer incentives so it’s not possible for the buyer to collect the money if they do not use a Realtor. In fact, just the opposite may happen; you will likely pay more and have no one watching out for you.

Contract to Close Checklist

No two home purchases are ever the same so think of this checklist as a broad overview of the closing process. Don’t worry or feel overwhelmed I’m here to help you every step of the way.

Day 1 Day 3

Starts the day after an executed contract is delivered

Deposit due

Inspection

Inspection period _____ days

Schedule Inspection

Appraisal

Your lender will order appraisal

Homeowners Insurance Homeowners Insurance

Shop for your coverage

Go over closing statement and wire funds

Schedule closing time/place

Schedule final walk through Move in to your new home!!

Meet Rob Rahter

Rob Rahter is a Broker Associate/REALTOR® at Stockworth Realty Group, Southwest Orlando’s premier residential real estate brokerage. Rob is one the most successful brokers in the region – consistently ranking in the top .01% of all licensed sales agents in the Orlando market. In 2023, Rob was ranked #7 out of more than 27,000 licensees in all Central Florida and the #1 agent at Stockworth.

As a seasoned real estate veteran and one of the area’s most respected and well-known brokers, Rob has brokered hundreds of millions of dollars’ worth of transactions including a number of the highest-profile sales in Orlando history. Rob’s clientele consists of business executives, celebrities, as well as many notable families.

Specializing in the luxury market, Rob is known as an expert in many of the area’s most exclusive neighborhoods. Rob joined Stockworth with a proven track record of success. He was one of this area’s founding members of an elite luxury division within North America’s largest real estate franchise. He spent nearly a decade building that brand while also making a name for himself as a high-producing and highly successful real estate practitioner. Today Rob has a reputation among his clients and colleagues as a top-notch negotiator but is committed to delivering top results while operating under the highest level of professionalism.

Rob moved to Orlando in 1997 when he was working as a broadcast news producer for the CBS affiliate WKMG (formerly WCPX). Aside from a brief stint at The Today Show at NBC News in New York, Rob’s roots were primarily in the West Coast – growing up mostly in California but attending and graduating from college at Brigham Young University in Provo, Utah. He came to Florida from Las Vegas where he was a producer for the CBS station KLAS-TV.

Rob’s unique background in mass media, with an emphasis on marketing, has helped him deliver a competitive edge to his clients. Rob understands and values the relationship of presentation and professionalism and is able to apply those important qualities to achieve the highest possible results for his clients.

Rob and his wife Elizabeth live in Windermere with their four children and one nephew and are very active in the local community. Elizabeth, an attorney, is the former chairperson of Orange County’s “Week of the Family” Foundation and donates many hours and resources to local charities. The Rahter family enjoys playing tennis and cheering on their favorite teams: BYU Football and Orlando City Soccer. Go City!

Rob Rahter Broker Associate

407.497.4526

Rob@Stockworth.com

WHAT OUR CLIENTS ARE SAYING ABOUT ROB.

“Rob went out of his way every time, all the time. It was a pleasure working with him and knowing you could count on him for a showing, or even just answering a question. It didn’t matter what time it was, Rob was always reachable and very responsive. He also brought eagerness and passion to the process which meant a great deal to us. Rob’s passion and his local knowledge I liked the most. He was able to set our house at a high market price and sell it at that point. We were both impressed with the outcome and had our doubts that it would sell that high. However, Rob said not to worry and he was right. We sold the house in 3 days.”

- Dave & Cindy K.

“Rob is very knowledgeable, professional and patient. He really listens and is responsive to your needs. Wouldn’t think of working with anyone else.”

- Jim & Ann K.

“Rob is an excellent choice to buy or sell your home. He listed and sold our home in days and for more than we ever expected! He knows the market well and will guide you through the process with class and professionalism”

- Jeff H.

“Rob Rahter is simply the best in the area. Always there to help no matter the time or the day. He didn’t care how many showings we went on, he wanted to make sure we were happy and found the home we wanted. He found our first home, then sold it, then found out second home.”

- Tony & Stacy T.

“We are deeply satisfied and truly indebted to Rob for his expertise, professionalism, and kindness. My wife and I have bought and sold multiple residential properties over the last 25 years. Until meeting Rob we thought we had met and dealt with great realtors. After our first interactions it quickly became apparent that we were flying first class with Rob and were going to receive an entirely new level of service and expertise. Rob has a phenomenal business mind and willing to share his knowledge, connections, and experience to your advantage. Listen to his advice. We found him to be focused, creative, and always looking out for us. We can’t say enough favorable things.

- Mark & Carmen S.