Buyer's Packet - What we do for you

BOONE COUNTY BNW: BSW: BS: BSE: BNE:

OUTSIDE CITY LIMITS

What We Do For You!

moberly

NORTH OF i-70, west of 63N south of i-70, north of hwy n/163, west of 63s south of hwy n/163/deer park (hwy AB) south of i-70, east of 63S, north of hwy ab north of i-70, east of 63n

For Prospective Buyers

BOONVILLE ROCHEPORT

FULTON

JEFFERSON CITY

OUTSIDE BOONE COUNTY BNW: audrain county BSW: randolph county BS: howard county

OCO: Cooper county OMO: moniteau county OCL: cole county

OCA: CALLAWAY COUNTY OTH: OTHER COUNTY

susan can run propery searches for you using the following group searches as well: ASW: ALN: ALC: ASE: AOB:

south of i-70 and west of providence - sw, csw, cnw, bsw all norths - nw, ne, bnw, bne all centrals - cnw, cne, csw, cse south of i-70 and east of providence - cne, cse, se, bse all outside of boone county - oau, ora, oho, oco, omo, ocl, oca, oth

CITY

INSIDE COLUMBIA CITY LIMITS

NW: NE: CNW: CSW: CNE: CSE: SW: SE:

North of i-70, West of 763N North of i-0 east of 763N i-70, stadium, broadway, providence stadium, broadway, providence i-70, providence, broadway, 63s stadium, providence, broadway, 63s south of stadium, west of providence south of stadium, east of providence, south of i-70 and east of 63n

ABC: all boone county excluding columbia - bnw, bne, bse, bs, bsw ACC: all columbia inside city limits - nw, ne, cnw, csw, cne, cse, sw, se AOC: all listings outside city of columbia - OAU, ORA, OO, OCO, OMO, OCL, OCA, OTH, BNW, BNE, BSE, BS, BSW

THE SUSAN HORAK GROUP

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The Realtor saves you time, effort and headaches.

The Realtor advises you about neighborhoods.

The Realtor helps you see through inflated prices.

The Realtor arranges for inspections.

The Realtor helps you sharpen your vision.

The Realtor provides you with full information.

The Realtor acts as a negotiator.

The Realtor helps you stay within your budget.

The Realtor helps you know final facts and figures.

The Realtor is pledged to serve you well.

Re/max Boone Realty

Office: (573) 876-2849 Residence: 874-2249

Fax: (573) 815-9902 Car: (573) 864-0160

email: susan@susanhorak.com website: www.susanhorak.com

Office: (573)876-2849 Fax: (573)447-0155

(573)447-2146

Hours: 8:30am - 6:00 pm

T H E S U S A N H O R A K G RO U P • R E / M A X • CO LU M B I A M O

Utility I n F O

Ameren UE

Office: 310 E. Walnut • (800) 552-7583 • Hours 8:30 - 4:30 Mon-Fri

Turning on Gas at New Location or Transferring Account to New Name: The occupants of a new residence must call or preferably visit the office a week in advance of taking occupancy in order to complete the necessary forms to enable the gas to be turned on.

Deposit: a $50 deposit in advance is required on all new hook-ups or transfers.

Utility Cost: The estimated cost will vary depending upon whether the residence is rural or residential. Bills are computed according to the amount of CCF used per month.

Electric Service, Water, Sewer and Refuse

Office: 725 E. Broadway • 874-7380 • Hours: 8 am - 5 pm Mon-Fri Application for Utility Service: Customers shall apply for utility service at the Billing and Collecting Office of the Finance Department. You must mak

Service Initiation and Transfer Fee: A service initiation fee of $6 will be charged at initial application for

utility service not including water and electric service. A service transfer fee of $4 will be charged at initial request for transfer of services to a new location.

Service Deposits: Customers requesting services to a one-family dwelling or a one-family unit of a larger residential building shall deposit the following amounts for receiving City services: Electrical service $40 Water service $15 Sewer Service $10 Refuse Service $10 When more than one service listed above is requested, the amount of deposit shall be the total of the amounts shown for the services requested, provided that a deposit of $75 will be the maximum required for any combination of City services.

What We Need From You Name(s) and address(es) of employer(s) for all applicants.

Last 2 original paycheck stubs for all applicants.

Social Security numbers of all applicants OR WD’s for 2 years.

Names, addresses, account numbers, and balances of all checking, savings accounts, CD’s, etc.

Names and Numbers of credit cards (even if there are no current balances).

If self-employed, 2 years complete tax returns and financials (business and personal) and a year-todate profit and loss.

Sales Contract signed and dated by all parties involved.

If you are also selling, copy of contract on present home if it is “under contract”.

Names, addresses, account numbers and estimated balances on all outstanding loans (mortgage, car, student, etc.)

Copy of HUD 1 Settlement Statement from sale of present home (if home has not yet sold, will need the HUD 1 as soon as sale is completed).

Landlords put income at bottom.

T H E S U S A N H O R A K G RO U P • R E / M A X • CO LU M B I A M O As Prescribed by the Missouri Real Estate Commission as of Januar y 1, 1999

This disclosure is to enable you, a prospective buyer, seller, tenant or landlord of real estate, to make an informed choice before working with a real estate licensee. Missouri law allows licensees to work for the interest of one or both parties to the transaction. The law also allows the licensee to work in a neutral position. How the licensee works depends on the type of brokerage service agreements involved. Since the sale or lease of real estate can involve several licensees, it is important that you understand what options are available to you regarding representation and to understand the relationships among the parties to any transaction in which you are involved. Missouri Law requires that if you want representation, you must enter into a written agreement. This may or may not require you to pay a commission. You do not need to enter into a written agreement with a transaction broker unless you intend to compensate this licensee. These agreements vary and you may also want to consider an exclusive or non exclusive type of relationship. If you choose not to be represented by an agent, the licensee working with you may be working for the other party to the transaction.

O T H E R A G E N C Y R E L AT I O N S H I P S Missouri law does not prohibit written agency agreementes which provide for duties exceeding that of a limited agent described in this pamphlet.

Seller’s Limited Agent Landlord’s Limited Agent Buyer’s Limited Agent Tenant’s Limited Agent Sub-Agent

Rental leases, if applicable (if income is derived from rental property and will be used for qualifying).

Disclosed Dual Agent

If applicant(s) are resident aliens, bring Green Card(s).

Your Drivers License.

D E S I G N AT E D A G E N T

Acts as your specific agent, whether you are a buyer or tenant, or seller or landlord.

When the broker makes this appointment, the other real estate licensees in the company do not represent you.

There are two exceptions with both resulting in dual agency: 1. The agent representing you as a buyer or tenant is also the agent who listed the property you may want to buy or lease.

2. The supervising broker of two designated agents becomes involved in the transaction TRANSACTION BROKER

Does not represent either party, therefore does not advocate in the interest of either party.

A transaction broker is responsible for performing the following: • • • • • • • •

Designated Agent Transaction Broker Other Agency Relationship

SUB-AGENT (AGENT OF THE AGENT)

Owes the same obligations and responsibilities as the Seller’s or Landlord’s Limited Agent, or Buyer’s or Tenant’s Limited Agent. Seller or landlords, or buyers or tenants may authorize their agent to offer sub-agency to other firms.

Protect the confidence of both parties.

Exercise reasonable skill and care.

Present all offers in a timely manner.

Keep all parties fully informed.

Account for all the money and property received.

Assist the parties in complying with the terms and conditions of the contract.

Disclose to each party of the transaction any adverse material facts know by the licensee Suggest that the parties obtain expert advice.

A transaction broker shall not disclose: • • • •

Buyer/Tenant will pay more than the purchase or lease price.

Seller/Landlord will accept less than the asking or lease price.

Motivating factors of the parties.

Seller/Buyer will accept financing terms other than those offered.

A transaction broker has no duty to: • Conduct an independent inspection of, or discover any defect in, the property for the benefit of either party.

• Conduct an independent investigation for the buyer’s financial condition.

SELLER’S OR LANDLORD’S LIMITED AGENT

This brokerage authorizes its licensees to act as a:

Address for last two years landlords.

Your checkbook to pay for credit report and appraisal. (Approx. $355.00)

• C H O I C E S AVA I L A B L E T O YOU IN MISSOURI•

MISSOURI BROKER DISCLOSURE FORM

Duty to perform the terms of the written agreement made with the seller or landlord, to exercise reasonable skill and care for the seller or landlord and to promote the interests of the seller or landlord with the utmost good faith, loyalty and fidelity in the sale, lease, or management of property.

BUYER’S TENANT’S LIMITED AGENT

Duty to perform the terms of the written agreement made with the buyer or tenant, to exercise reasonable skill and care for the buyer or tenant and to promote the interests of the buyer or tenant with the utmost good faith, loyalty and fidelity in the purchase or lease of property.

DISCLOSED DUAL AGENT

With the written consent of all parties, represents both the seller and the buyer or the landlord and the tenant.

A Disclosed Dual Agent may disclose any information to either party that the licensee gains that is material to the transaction.

A dual agent may not disclose information that is considered confidential, such as: • • • • •

Buyer/Tenant will pay more than the purchase price or lease rate.

Seller/Landlord will accept less than the asking price or lease rate.

Either party will agree to financing terms other than those offered.

Motivating factors for any person buying, selling or leasing the property.

Terms of any prior offers or counter offers made by any party.

MOVING CHECKLIST Two Weeks Before Moving

Send a change of address card to the following people and institutions: Post Office Charge card accounts Subscriptions Friends Relatives

It’s over.

The contracts have been signed, money exchanged, and your life is about to move One Week Before Moving on. Whether you are across the Cancel deliveries of newspapers and other local publications. Begin transferring moving your bank accounts to your new town. Ask your bankers about branches or affiliates country or across town, in the region you are moving to. Transfer all of your memberships in organizations it is important that you such as A.A.A., your church, civic groups, etc., to your new location. take steps to ensure that you can smoothly SEND CHANGE OF ADDRESS CARDS TO: NOTIFY INSURANCE COMPANIES resume living in your Post Office Health new location. To help, Charge Accounts Life we’ve included a helpful Subscriptions Auto list that includes some Friends Home Owners Relatives of the most important School Records for Children things you need to do SET-UP NEW UTILITIES, DISCONNECT OLD, Obtain Legal Records when moving.

Check to see if your Will must GET REFUND FOR ANY DEPOSITS MADE, ADVISE

Make arrangements with a moving company. Call your electric, water, gas, telephone and fuel companies and inform them that you are moving. Begin recovering your deposits and leave an address where your final bills are to be sent. Also start trying to retrieve items you have lent to friends, and return items you have borrowed.

WHERE FINAL BILLS ARE TO BE SENT Water Electric Gas Telephone Fuel Trash Removal

Cancel deliveries Milk Newspapers Magazines Other

Transfer bank accounts: Checking Savings Safe Deposit Box Have Bank recommend affiliate in new city

be rewritten when moving across state lines.

NOTIFY INSURANCE COMPANIES General Practitioner Dentist Optometrist Other Doctors Drug Prescriptions refilled Veterans: Notify your draft board of VA office Leave Keys and any necessary legal papers with your Realtor

TRANSFER MEMBERSHIPS Church Clubs Civic Organizations

Utility Information City of Columbia & Boone County

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Boone County

Boone Electric Cooperative Phone: (800) 225-8143 (573) 441-4181 Office Hours: Lobby, 8:00 - 5:00, Mon - Fri Drive Thru, 7:30 - 5:30, Mon - Fri Office Located at: 1413 Rangeline Street Mailing Address: P.O. Box 797 Columbia, MO 65205 Submit Online: www.booneelectric.com Rural Water Service Consolidated Water Dist. #1 & #2 Phone: (573) 449-0324 Office Located at: 1500 North 7th Street Rural Sewer Service Boone County Regional Sewer District Phone: (573) 443-2774 Located at: 1314 North 7th Street Telephone Service CenturyTel Phone: 1-800-201-4099

City of Columbia

Utilities Customer Service Water, Electric, Sewer & Refuse Collection Phone: (800) 552-7583 (573) 874-7380 Office Hours: 8:00 - 5:00, Mon - Fri Office Located at: 310 E. Walnut Mailing Address: P.O. Box 1676 Columbia, MO 65205 Submit Online: www.GoColumbiaMO.com Natural Gas Ameren U.E. No Longer Maintains a Local Columbia Office. Call (800) 552-7583 for Customer Service or Online at Ameren.com

Water Districts Serving other parts of Boone County

Local Cable/Internet Service Providers Mediacom Cable Service Phone: (573) 443-1535 Located at: 901 N. College Charter Communications Capital Cable Phone: 1-888-871-4485 Located at: 1510 Boone Industrial Dr.

Web Sites to remember: City of Columbia Ameren U.E.: Boone Electric Coop.: Media Com: Charter Communications: The Susan Horak Group:

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www.GoColumbiaMO.com www. Ameren.com www.booneelectric.com columbia.mchsionline.net www.chartercom.com www.SusanHorak.com

Water Dist #1 1339 E. Prathersville Rd. Columbia, MO 65202 442-8036 Water Dist #4 14530 N. Route U Hallsville, MO 65255 696-3511

Centralia District #10

Hallsville District #4

Prathersville District #1

District #7

Water Dist #7 1951 W. Dripping Springs Rd. Columbia, MO 65202 442-8614 Water Dist. #9 8230 N. Rt. Z Columbia, MO 65201 474-9521

Water Dist. #10 22601 March Rd. Centralia, MO 65240 682-5314

Route Z District #9

Ashland

B a y m o n t I n n & S u i t e s Fa i r f i e l d I n n 2 9 04 C l a r k L a n e 2 5 0 0 I - 7 0 D r. SW 57 3 - 814 -27 27 57 3 - 4 4 5 - 18 9 9

Holiday Inn Select 2 2 0 0 I - 7 0 D r. SW 4 4 5 - 8 5 31

B e s t We s t e r n I n n 310 0 I - 7 0 D r S E 57 3 - 4 74 - 6161

Hawthorne Suites 8 0 5 Ke e n e S t .

57 3 - 4 4 2 - 8 6 0 0

C a n d e lwo o d S u i t e s 310 0 W i n g a t e C o u r t 57 3 - 817 - 0 5 2 5

Hampton Inn 34 10 C l a r k L a n e 57 3 - 8 8 6 - 9 3 9 2

Ra m a d a I n n 110 0 Va n d i ve r D r.

4 4 9 - 0 0 51 Re d Ro o f I n n 2 01 E . Texa s Ave .

4 4 2 - 014 5 Tra ve l o d g e 9 0 0 Va n d i ve r 4 4 9 - 10 6 5

Co m f o r t I n n 9 01 C on l ey R d .

57 3 - 4 4 3 - 4 14 1

Holiday Inn 3 911 Pe a ct re e D r.

57 3 - 2 5 6 - 64 61

Wingate Inn 310 0 Va n d i ve r 817 -0 5 0 0

C o l u m b i a H o t e l s

H o l i d a y I n n E x p re s s 8 01 N . Ke e n e S t .

57 3 - 4 4 9 - 4 4 2 2

What We May ALso Need

• Other documentation may be needed on a case-by-case basis.

Completed loan application from your buyers packet or loan packet.

From YOu

If divorced, you need divorce decree including modifications/stipulations, or receipt/payment of last 12 months child support.

Student Loans: Gifted Funds: If your student loan is in deferment, please If any portion of the down payment is a gift, request or bring a letter stating the terms of please provide a gift letter stating that no the deferment. repayment is required from the grantor.

If you are paying a student loan, please bring your last statement or correspondence. Known Negative Credit: If you are aware of unfavorable credit that will Bankruptcy: be reflected on your credit report, please write A copy of petition/decree/schedule of a letter of explanation. You will be expected to creditors and a copy of the discharge. pay “charge offs”, judgements, and delinquent Also bring a letter of explanation on why you balances. filed.

Assisted Corporate Relocation: Recent Grads: Please bring a copy of your company’s If you have graduated from high school or relocation policy. college during the last two years, please make a copy of your diploma.

IN TODAY’S REAL ESTATE MARKET YOU SHOULD EXPECT MORE FROM A REALTOR THAN JUST SOMEONE TO CHAUFFEUR YOU AROUND. Buyers & Sellers are More Sophisticated & They Want it All: Virtual Tours, Floorplans, A Great Website & Tons of Time & Energy.

Susan Horak Delivers!

• Graduate of the Realtor Institute (GRI) • Certified Residential Specialist (CRS)

Susan has Regional Access to 3 MLS Systems

Very Helpful to Buyers Looking for Small Acreages or Whose Spouses Will Commute to a Neighboring Community.