A real estate agent is a huge asset to you as you navigate the home-selling process.
Your Realtor will be working with your best interests in mind and can help guide you through all stages from listing to sold!
Enhance
HOME VALUE
We’ll walk through your property together and I can show you ways to enhance the value so you get top dollar.
Pricing Maximum
STRATEGY
I’ll help you with a pricing strategy — not pricing too high so you scare buyers away, or too low so you leave money on the table.
EXPOSURE
My marketing plan will give you maximum exposure so we attract more buyers and more contracts. The more buyers and contacts you have, the higher your property will sell.
Negotiate Transaction
THE BEST CONTRACT MANAGER
I’ll help you negotiate the best contract. Negotiation is an important skill in any market.
I am your transaction manager. There are a lot of moving parts. My job is to handle those parts so your contract closes on time.
Janet Barboza
What does it mean to work with a Real Estate Advisor? It means I enjoy seeing others achieve their goals. It means I work above expectations setting the bar high for my clients.
What empowers me is to see my clients satisfied with my services. Did you know you can be a part of my circle of friends program as well?
BornandRaisedintheLowerYakimaValley,thiscommunity capturesthechaptersofmylife.It'snotjustaplace;it'sthe cherishedhomeformychildrenandI. Myfocusisguidingclientsthroughthecomplexworldofreal estate–whetherselling,purchasing,orinvesting.Iaspiretobe morethanyourRealtor®Ifyou’reinthemarkettobuyorsella home,you’vecometotherightspotWhateveryourrealestate needs,IcanhelpyoureachyourgoalswithconfidenceWhen visitingmywebsite,youcanaccessthemostcurrentrealestate dataandsearchforhomesthroughouttheWesternU.S.,and whenthetimeisright,feelfreetocontactmesoIcantakethe timetounderstandyourneeds,andworktirelesslytoreachyour goalsCommunicationiskeytobuildingagreatrelationship,and myintentionistobeyourtrustedadvisorforlifeAsahighly motivatedindividual,Istrivetoconsistentlyservemyclientswith myknowledgeandhonednegotiatingskills.Ifirmlybelievethatin oneofthemostsignificantfinancialandpersonalevents,the relationshipscreatedinthesellingandbuyingprocessproduce thegreatestreward.
Janet Barboza
Agente de bienes raíces barboza@windermere.com
509.832.3964
¿Qué significa trabajar con un Asesor Inmobiliario?
Significa que disfruto viendo a otros lograr sus objetivos. Significa que trabajo por encima de las expectativas y pongo el listón alto para mis clientes.
Lo que me empodera es ver a mis clientes satisfechos con mis servicios. ¿Sabías que también puedes ser parte de mi programa de círculo de amigos?
Nacida y criada en el Valle Inferior de Yakima, esta comunidad captura los capítulos de mi vida No es sólo un lugar; es el hogar preciado para mis hijos y para mí Mi objetivo es guiar a los clientes a través del complejo mundo de bienes raíces, ya sea vendiendo, comprando o invirtiendo. Aspiro a ser más que su agente inmobiliario. Si está buscando comprar o vender una casa, ha venido al lugar correcto. Sean cuales sean sus necesidades inmobiliarias, puedo ayudarle a alcanzar sus objetivos con confianza. Al visitar mi sitio web, puede acceder a los datos inmobiliarios más actualizados y buscar casas en todo el oeste de EE. UU., y cuando sea el momento adecuado, no dude en comunicarse conmigo para que pueda tomarme el tiempo para comprender sus necesidades y trabajar incansablemente para Alcanza tus metas La comunicación es clave para construir una gran relación y mi intención es ser su asesor de confianza de por vida Como persona altamente motivada, me esfuerzo por servir constantemente a mis clientes con mis conocimientos y mis habilidades de negociación perfeccionadas Creo firmemente que en uno de los eventos financieros y personales más importantes, las relaciones creadas en el proceso de compra y venta producen la mayor recompensa.
BEHIND THE SCENES
OneofthebenefitsofhiringaWindermereGroupOneRealtorisourteamwo Whileyoumaynotinteractwiththemdirectlytheyarehardatworkhelpingto transactionOurteamrangesfromafullfledgemarketingteam,salesmanage
❱ The "Hey Look At Us" Crew Ourmarketingteammakessure alleyesareonyourhome Award-winningandnationally recognizedwithbackgroundsin digitalmarketing,youcanrest assuredthatyouareingood handswiththiscrew!
❱ Socrates Of Real Estate Oursalesmanagershelpinteaching andassistingindailytransactionsOne phraseyoumaybefamiliarwith,"We knowathingortwobecausewe've seenathingortwo,"greatlyappliesto hesetwo!*QuoteFromFarmer'sInsurance
❱ Stats Queen Wedon'tknowwhat wewoulddowithout ourtransactionreview specialistResearchingandorganizing allourlocalmarketstatistics,aswellas keepinganeyeonallofourcontracts toensuretheymeetallrequirements andguidelinesforasmoothclosing
❱ Task Masters Agentsupportkeeps everythingorganized andrunningsmoothly. Thisteamensuresall
Keepers Of The Cash countingensuresyourearnest neyishandledwithcarewhile epingeverythinginthebooks ganizedandinitsproperplaces
thefinedetailsareinplacesothatnothing getsoverlooked
❱ Stone Turner Helpingusalwaysachieveour goalofraisingtheindustry dandbringingyouthe rward-thinking ngrealestate w,leavingnostoneunturned!
0+ Realtors yslendingahand,sharing expertise,assistingas ed,bringingbuyer'stoyour gsandmore.It'sgoodto eateam!
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THE WINDERMERE
Difference
HereatWindermereGroupOne,webelievethereisabetterwaytodorealestate.Amorevaluable,less invasivewayBetterrealestateserviceisresponsivetocustomers’needs,buildsacommunity,andearns brandloyaltyItcreatesanenvironmentthatimprovesourentireindustry–anenvironmentwhere customersareearnedratherthanboughtAnditstartswiththecorevaluesweliveattheofficeeveryday
❱ Knowledge
WebelieveknowledgeisconfidenceandthereisalwayssomethingtolearnThatiswhyweprovide multipletrainingopportunitieseachweekacrossallaspectsofourindustrytoincludecontracts, marketing,andmoresothatyoucanensureyouareinthebestpossiblehands.Weavoidthe assumptionsthatexistingnormsaretherightwayandinsteadchoosetobuildourcompanyinaway thatcriticallyexaminesbestpractices,oftenpavingourownbetterpathforwardWorkingtogetherand sharinginformationwithallinvolvedpartiesisratheruniqueinthisbusiness,butwebelieveitisthebest waytogetthejobdone ❱
Integrity
Webelieveinrepresentingourselvesandourintentionshonestlytoourcoworkersandtoourclients. Wemeanwhatwesay,andwedowhatwesayWebelieveourintegrityiswhatsetsusapartbutalso bringsustogether
❱ Communication
Wekeepourclientsandindustryprofessionalsinformedeverystepoftheway.Recognizingthereare differentexpectationsonthelevelofcommunicationwantedandstrivingtolearnthoseexpectations. Onceweknowthelevelofcommunicationwantedandneeded,wedeliveronit
❱
Care
Weshowtheutmostcareforourclients,coworkers,andotherprofessionalsintheindustryWe recognizeit’snotaboutthetransactionbutaboutmeetingtheclientattheirneeds.Thegoldenrulewe learnedingradeschoolsaiditbest,wetreatothersthewaywewishtobetreated.Thisway,clientsand otherprofessionalsintheindustrywilllookforwardtoworkingwithus
❱ Commitment
OurjobistohelpourclientsmeettheirgoalsWearecommittedtoservingourclientslong-term, meaningourrelationshipdoesn’tendwiththepurchaseorsaleofahouse.Ourclientscanalwayslook tousfortheirrealestateneedsnomatterwheretheyareintheirrealestatejourney.Wearealso committedtoourcommunity,givingbackwithoutaskingforanythinginreturnWebelieveproviding valueandhelpingothersisitsownreward
COMMITMENT TO COMMUNITY
"The greatness of a community is most accurately measured by the compassionate actions of its members."
-Coretta Scott King
❱ Giving back has always been a big part of who we are In the early days of Windermere, it was pretty simple; we would see a need and help any way we could. But as we grew, we realized we could accomplish much more if we had a common purpose. That’s how the Windermere Foundation was born.
❱ Our agents have proven time and time again how committed they are to making their communities a better place to live Their generosity funds backpacks full of food so school kids don’t go hungry on the weekends They help keep families in their homes by covering housing costs And their donations make sure the homeless are getting their most basic needs met, and the dignity that goes with it
❱ Since 1984, Windermere agents have dedicated an annual day of work to those in need
❱ These hands-on projects benefit a wide variety of community-based organizations
❱ Projects have included maintenance at a senior center, construction of a children’s playground, sorting duties at a food bank and so much more!
MEETING AGENDA
Here's what you can expect when meeting with your Windermere Group One Realtor for the first time!
Itinerary
Review and Get Up-To-Date
PreviousConversations
Windermere MyTeam
Tour of Home
Discussallmodificationsandrepairsdonewithinthelast5years
Competitive Neighborhood Overview
Discuss Marketing Proposal
Discuss Expectations
Questions
FAQS Seller's Edition
1 . H o w w i l l y o u m a r k e t m y h o m e ?
I w i l l b e b r i n g i n g m y d e t a i l e d m a r k e t i n g p l a n t o o u r p r e - l i s t i n g m e e t i n g a n d
w o u l d l o v e t o d i s c u s s a n y q u e s t i o n s y o u h a v e a b o u t m a r k e t i n g a t t h a t t i m e
2 . H o w w i l l y o u p r i c e m y h o m e ?
I w i l l p r o v i d e y o u w i t h t h e i n f o r m a t i o n t h a t i s n e e d e d t o d e t e r m i n e t h e p r i c e o f
y o u r h o m e A t o u r m e e t i n g , w e w i l l g o o v e r t h e c u r r e n t m a r k e t a n d s o m e
c o m p a r a b l e p r o p e r t i e s t o h e l p y o u d e t e r m i n e t h e p r i c e o f y o u r h o m e
U l t i m a t e l y , t h e p r i c e w e l i s t a t i s y o u r d e c i s i o n
3 . A r e t h e r e a n y a d d i t i o n a l f e e s f o r y o u t o s e l l m y h o m e ?
A t W i n d e r m e r e w e t a k e a s t r a i g h t f o r w a r d a p p r o a c h r e g a r d i n g c o m p e n s a t i o n W e
a r e c o m p e n s a t e d b y t h e c o m m i s s i o n t h a t i s p a i d b y t h e s e l l e r w i t h n o h i d d e n
f e e s o u t s i d e o f t h e c o m m i s s i o n p a y m e n t . P a r t o f t h e a g r e e d c o m m i s s i o n w i l l g o
t o w a r d s p a y i n g t h e b u y e r ’ s a g e n t .
4 D o I n e e d t o f i l l o u t a s e l l e r d i s c l o s u r e f o r m ?
Y e s , i t i s r e q u i r e d b y W a s h i n g t o n s t a t e l a w I w i l l b r i n g t h i s f o r m t o o u r m e e t i n g s o y o u m a y f i l l i t o u t T h e s e d o c u m e n t s w i l l b e a v a i l a b l e f o r b u y e r s a s s o o n a s
t h e l i s t i n g g o e s l i v e o n t h e m u l t i p l e l i s t i n g s e r v i c e
5 . H o w d o I p r e p a r e f o r m y h o m e t o b e m a r k e t e d ?
I w i l l p r o v i d e t i p s a n d r e c o m m e n d a t i o n s o n d e c l u t t e r i n g a n d s t a g i n g O u r m e e t i n g w i l l i n c l u d e a t o u r o f y o u r h o m e , d u r i n g w h i c h w e w i l l d i s c u s s t h i s f u r t h e r
6 . W h a t i s t h e t i m e f r a m e t o g e t m y h o m e o n t h e m a r k e t ?
T o p r o p e r l y m a r k e t y o u r h o m e a n d r e c e i v e t h e h i g h e s t e x p o s u r e , w e w o u l d l i k e
t o t a k e a p p r o x i m a t e l y o n e w e e k t o p r e p a r e t o " l a u n c h " y o u r l i s t i n g I f y o u r
t i m e f r a m e d o e s n ’ t a l l o w f o r a d e l a y , w e c a n m o v e o n t o t h e n e x t s t e p t o a c t i v e l y m a r k e t y o u r h o m e m o r e q u i c k l y .
7 . T h i r d P a r t y E s t i m a t e s
O n l i n e e v a l u a t i o n s , s u c h a s Z e s t i m a t e s m a y b e e n t e r t a i n i n g , h o w e v e r , t h e y
r o u t i n e l y t r e n d a b o u t 6 % h i g h e r t h a n o u r c u r r e n t m a r k e t
S E L L E R S T i m e l i n e
S T A R T
D i s t r i b u t e M a r k e t i n g O p e n H o u s e S h o w i n g s R e c e i v e O f f e r s
N e g o t i a t i o n s A c c e p t O f f e r s & G o U n d e r C o n t r a c t
S O L D R e c e i v e P r eL i s t i n g P a c k e t H
C l o s i n g & E s c r o w
T r a n s f e r F u n d s H o m e S o l d !
LISTING TO
UNDER CONTRACT Timeline
LISTING PHOTOS
SIGN IN YARD
LISTING GOES "LIVE"
OPEN HOUSE
REVIEW OFFERS
INSPECTION
APPRAISAL
CLOSING & ESCROW
SOLD MOVING DAY
Updates & Repairs
TIPS ON GETTING THE BEST ROI FOR YOUR HOME
Homeownerswhohavedoneabathroom remodelhaveseenanaverageof102% ReturnOnInvestment(ROI)!Alistofminor improvementsthatwillmakethebiggest differenceinapotentialbuyer'seyes include:cleanupthecaulk,swapoutthe mirrors,updatelighting,freshenupthe paint,installnewsinkandshowerhardware
Homeownerswhohavedoneaminorkitchen remodelhaveseenanaverageof985% ReturnOnInvestment(ROI)!Alistof improvementsthatseethemostbangfor yourbuckare:swapoutcabinethardware, updatelighting,freshenupthepaintand installnewflooring
Your home only gets one first impression. Statistically, buyers will make their initial judgment in the first 7 seconds, which is why "curb appeal" is so important Homeowners are seeing an average of 100% Return On Investment (ROI) on landscaping updates Some ideas are: new bark/mulch, potted plants/flowers, bright doormat or a freshly painted front door.
Lookingtohaveupdatesandrepairsdone toyourhome?Reachouttoourpreferred vendor,GeneralOneContracting.Rosshas beeninthepropertypreservationandrepair industriesforoveradecade,workingin residential,multi-familyandcommercial facilities Rossislicensed&bonded,and canperformmosthomerepairprojects.
G eneral ONE
YOUR UTILITY Providers
ELECTRIC:
WATER:
IRRIGATION:
CABLE & INTERNET:
GAS:
TRASH PICK-UP:
SHOULD I STAY OR SHOULD I GO ?
STAY
When listing your home, it can be hard to decipher items that can be taken with you or items that should stay within the home
The best rule of thumb to follow is: is it attached to the home? Then it stays If you'd like to keep something, please consult your Realtor before removing anything
GO
Furniture
Personal belongings
Blinds
Curtains and curtain rods
Installed microwave
Bathroom mirrors
Updated or remodeled fixtures
TV mounts
Exterior doorbells
Water softner
Yard hoses
TO CONSIDER
Fridge
Washer & dryer
Other appliances
Hot tub
PREPARING FOR Photos
Theoldadagesays,“Apictureisworthathousandwords”Statisticallyweknowthat97%ofbuyersuse theinternetduringtheirhomesearch,and89%ofthemcitephotosasa“veryuseful”aspectoftheir onlinesearchThepreparationlistbelowwillhelpyourhomegiveitsbestfirstimpressioninphotos However,don'tfeellikeyouhavetocompletethefulllistastheseareitemsthephotographerwilldoas needed.
Interior:
Turnonallthelights,lampsandunder-cabinetlighting(Fireplacetoo,ifapplicable)
Turnoffallfans
Openalldoorsandwindows(exceptgaragedoor/exteriordoors,closetsand windowswithbelowaverageviews)
Straightenfurniture
Puttoiletseatsandlidsdown
Removeanythingonthebathroomcounter,aswellastowelsandrobesonthe racks
Removeallpetdishes,toysandkennels
Hideoremptytrashcans
Rugsonbathroomfloor
Exterior
Removeyardsigns
Movetoys,hoses,cleaningsupplies,recycleandtrashbins,etc
Straightenoutdoorfurniture;openpatioumbrellas
Removepetitems
Takeoffgrillcovers
Marketing
Your Home Online
According to a national survey*, 97% of home buyers use the Internet to search for homes. When you’re ready to sell your home, you should expect your agent to have a plan for marketing your home online
IwillpostyourhomeonWindermerecomAsa memberoftheMultipleListingService,your listingwillalsoappearonallothermajor participatingbrokeragesitesinthearea. Windermereʼslistingsalsoappearonnational andglobalrealestatesearchsiteslike Realtor.com®,TruliaandZillow; withapproximately75millioncombinedunique monthlyvisitors
YourhomeisyourmosttreasuredassetDon’t missoutonthiscrucialopportunitytoreach buyersinyourcommunityandbeyond
Supply and Demand
The Pond Analogy
The real estate market can be compared to a pond A pond has an inlet where the water comes in and an outlet where the water runs out. There is also an area where water becomes trapped and left behind. At the top of the pond (when a home is listed), the water is moving and stays fresh and is moving along. However, as you go deeper the water slows, leading to a stagnant mass at the bottom. The longer your home is on the market, (ie, increased days on market, lack of price adjustments, etc ) the further it sinks into the real estate pond.
Understanding Fair Market Value
MARKET
DATE
SHOWING
Checklist
...if you have ten minutes
Makeallbeds
Putallclutterinalaundrybasketandtakeitwithyouinthecar
Emptyallgarbagecansandtakeouttrash
Wipedownallcountertopsandputalldishesinthedishwasher
Putoutyournicetowels
Pickupalltoysandpersonalitems
Turnonalllights
Putawayallpetdishes,toys,bedsandkennels
Closealltoiletseatsandlids
if you have an hour
Doeverythingonthetenminutelistabove
Vacuumallcarpetandrugs
Sweepallhardsurfacefloors-mopifyouhavetime
Wipedownmajorappliances
Wipedownallglassandmirroredsurfaces
Putawayalllaundry
Quicklydusthighlyvisiblesurfaces
Setoutanairfreshenerorfreshlybakedcookies
COMMON BUYER COMPLAINTS
Belowisalistgatheredfromsurveyingourbuyersontheirbiggestcomplaintswhentouring homes.Helpyourhomehaveagreatfirstimpressionbyavoidingtheseninecommoncomplaints.
SMELL
Does it smell like home or a gym locker? Be sure & not overdo the air fresheners or candles either Pro tip: Baking cookies does the trick!
CLEANLINESS MAINTENANCE
Do a quick wipe down and get rid of any clutter If you don't want it touched - don't leave it out Pro tip: Don't forget the windows!
How is the condition of your house? Simple fixes left untouched show you may not have cared for the home properly Pro tip: A little elbow grease goes a long way
PHOTOS PAINT TOILET
"This home looks nothing like the pictures " Photoshop isn't always your friend Pro tip: Proper lighting & angles can do wonders!
Colors leave a bigger first impression than many think. Wild colors & wild patterns can be a huge turn off
Pro tip: Neutral, light colors do the trick & are worth the investment.
LIGHT
Turn the lights on, open the curtains & lift the shades Lighting helps to invite a person in, as well as display the home in a positive light! Pro tip: Put your home on center stage!
Ensure your toilets are clean Close the seats & lids. A dirty toilet usually means a dirty house Pro tip: If you don't want the toilet utilized, remove all visible toilet paper
PETS LINGERING
As much as we love them, pets can leave behind odors & stains. Keep them out of the house & the yard during showings
Pro tip: Keep your yard accessible to buyers & don't forget to pick up poo too!
Buyers are not comfortable touring your home with you in it. Pro tip: Find something fun to do during showings or open houses!
Vacant vs. Lived In
TIPS FOR MARKETING AND PROTECTING YOUR
HOME WHILE ON THE MARKET
Lived In
Removepersonalphotosandmemorabiliafromthewalls
Makebedsandcleanupbedsidetablestobefreeofpersonalbelongings
Keepyourshowerspresentable;putawayunusedsoapsanditemsthataren’tnecessary
Clearoffcounterspaces;bathrooms,kitchens,etc
Clearoffrefrigeratorsofphotos,pictures,magnets,etc
Opencurtainsandturnblindstoallowfornaturallighttocomein
Controlyourthermostattoremainatacomfortabletemperature
Minimizeextrabelongingsbeinginsightofpotentialbuyers
Lockawayvaluablesortakethemwithyouduringshowings
Keepsafesandfilecabinetslocked
Ensureyourpetsareinasafelocationduringshowings;takethemwithyouornotify youragentofapetbeinginthehome
Maintainalevelofcleanlinesswhileactiveonthemarket Hireahousekeeperif necessary.
Vacant
Spruceupcurbappeal
maintainsprinklercycle/yardmaintence
Takeawayextraneousorunwanteditemstoeliminatetheabandonedhouselook
Maintainthethermostatatacomfortabletemperaturethatwon’tbreakthebank
Duringfreezingtemperatures,leavefaucetsonaslowdriptoensurepipesdon’tfreeze
Maintaincleanlinessandensurethehomestillremainscleanandpresentable
Maintainhomeownersinsurance
Setupasecurityplan;eitherasecuritysystemorregularlyscheduledcheckins
Replaceanyburntoutlightbulbsbeforevacatingthehome
Thehomeneedstostayinthesameconditionaswhenyouleftit
Capitalizing on
The First Offer
When selling your home, it’s tempting to pass up the first offer from a potential buyer in hopes that higher offers may come. But the first offer can often be the best offer a seller receives, so it’s wise not to take it for granted. This chart illustrates the reasons why this typically occurs.
OVERPRICING AND INACTION LEAD TO DIMINISHING RETURNS
NEW BUYERS
NEW & SEASONED BUYERS
Initial interest wanes
NEGOTIATORS
INVESTORS
TIME ON MARKET
Overpricing can occur in any real estate market and can lead to diminishing returns
SEASONED BUYERS
NEGOTIATORS
INVESTORS
Fresh and excited
Focused on value vs price
Seen it all, experienced, very particular Focused on value vs price
Focused on price
Want to negotiate
Drawn to phrases: “Just reduced”, “Must sell”, etc.
Looking to build/maximize property ROI
Strong negotiators
The Path to Closing
Once a buyer and seller have agreed to the details of a home sale, there’s one final piece the closing
“Closing” is when you and the buyer sign all of the paperwork, pay your share of the settlement fees and the documents are recorded. Settlement obligations vary widely due to specific contract language, local laws and customs My job is to manage those complex details to make it as easy as possible for you
I WILL COORDINATE WITH CLOSING SERVICE PROVIDERS WORK WITH THE ESCROW COMPANY HELP FACILITATE A TIMELY CLOSING GUIDE YOU THROUGH THE PROCESS PROVIDE TIMELY UPDATES
MOVING AND PACKING TIPS
The process of moving is long and complex Being organized, knowing what needs to be done, and tackling tasks efficiently can make your move significantly less stressful Here’s a checklist to keep you on task and help make your move successful
6-8 WEEKS BEFORE:
Useupthingsthatmaybedifficultto move,(iefrozenfood)
Getestimatesfromprofessional moversorfromtruckrental companiesifyouaremoving yourself
Onceyou’veselectedamover, discussinsurance,packing, loading,deliveryandthe claimsprocedure
Sortthroughyourpossessions Decidewhatyouwanttokeep, whatyouwanttosellandwhat youwishtodonatetocharity
Recordserialnumberson electronicequipment,takephotos (orvideo)ofallyourbelongings andcreateaninventorylist
Obtainachangeofaddress packetfromthepostoffice andsendtocreditors, magazinesubscriptionoffices andcatalogvendors
Discusstax-deductiblemoving expenseswithyouraccountant andbeginkeepingaccurate records
2-4 WEEKS BEFORE:
If you’re moving to a new community, contact the Chamber of Commerce and school district and request information about services.
Make reservations with airlines, hotels and car rental agencies, if needed
If you are moving yourself, use your inventory list to determine how many boxes you will need
Begin packing nonessential items Arrange for storage, if needed
If you have items you don’t want to pack and move, hold a yard sale
Get car license, registration and insurance in order
Transfer your bank accounts to new branch locations. Cancel any direct deposit or automatic payments from your accounts if changing banks
Make special arrangements to move pets Consult your veterinarian about ways to make travel comfortable for them
2-3 DAYS PRIOR:
Defrost your refrigerator and freezer
Have movers pack your belongings.
Label each box with the contents and the room where you want it to be delivered
Arrange to have payment ready for the moving company
Set aside legal documents and valuables that you do not want packed
Pack clothing and toiletries, along with extra clothes in case the moving company is delayed
Give your travel itinerary to a close friend or relative so they can reach you as needed.
Needsometunesto makeyoumove?
GLOSSARY Seller's
ACTIVE:
Thismeansthatapropertyiscurrentlyonthemarketandavailableforsale Itmay havereceivedoffers,butnoofferhasbeenaccepted,whichmeansthatthehome isstillavailabletoreceiveanoffer.
APPRAISAL:
Arealestateappraisalestablishesaproperty'smarketvalue–thelikelysale priceitwouldbringifofferedinanopenandcompetitiverealestatemarket An appraisalprovidesthelenderwithanassurancethatthepropertywillsellforat leasttheamountofmoneyitislending.
CLOSING COSTS:
Whenfinalizingthepurchaseofyourhome,you'llhavetopayavarietyoffees associatedwiththehome-buyingprocess Thesefeesarereferredtoasclosing costsandmayinclude:sellingcommissions,titleinsurance,escrowfees,etc The buyershouldgetanestimateofthesefeesshortlyafterapplyingforaloan.
CONTINGENCY:
Aprovisionofanagreementthatkeepstheagreementfrombeingfullylegally bindinguntilacertainconditionismet Oneexampleisabuyer’scontractualright toobtainaprofessionalhomeinspectionbeforepurchasingthehome
COUNTEROFFER:
AcounterofferisaSeller'sresponsetoabuyer'soffer Itallowsforeachpartyto negotiatepartsoftheoriginaloffer(price,closingdate,etc)inordertocometoa mutualagreement
DOWN PAYMENT:
Thelumpsumincashyoucanaffordtopayatthetimeofpurchase Various factorsgointodetermininghowmuchyouneedtoputdown,sobesuretotalk withyourLender "No-down-payment"loansexistforveteransandothers There arealsodownpaymentassistanceprogramsavailableforfirst-timebuyers.
GLOSSARY Sellers
SELLER DISCLOSURE STATEMENT:
TheSellerDisclosureStatementisadocumentprovidedbyahomesellertoa homebuyerwhichoutlineswhatthesellerknowstobetrueabouttheproperty duringtheseller'sownership.Asellerdisclosureoftenincludesdetailsabout defectiveappliancesorsystems,knownrepairneeds,historicalorpastissues,or environmentalcontamination
EARNEST MONEY:
Adepositmadetoasellerthatrepresentsabuyer'sgoodfaithtobuyahome. Oncedeposited,thefundsaretypicallyheldinanescrowaccountuntilclosing,at whichtimethedepositisappliedtothebuyer'sdownpaymentandclosingcosts Ifabuyerbacksoutofanagreementwithoutgoodcause,thesellerkeepsthe EarnestMoneyascompensationfortimeandopportunitylostwhile"under contract"
ESCROW:
Duringthepurchaseofyourhome,escrowisanimpartialthirdpartythatholds ontoyourearnestmoneyduringatransaction Youalsohavewhatyourmortgage companywillrefertoasanescrowaccount Thisaccountholdsthefundsabove andbeyondyourprincipalandinterestpayment,whichwillbeusedtopayyour yearlypropertytaxesandhomeownersinsurancerequiredbyyourlender
FOR SALE BY OWNER (FSBO):
Apropertybeingsoldwithouttheaidofarealestateagent WithFSBO,the ownerslegallyrepresentthemselves
HOME OWNERS ASSOCIATION (HOA):
Anorganizationinasubdivision,plannedcommunity,orcondominium,thatmakes andenforcesrulesforthepropertieswithinitsjurisdiction
LISTING:
Anagreementbetweenarealestatebrokerandahomeownerthatallowsthe brokertomarketandarrangeforthesaleoftheowner’shome Theword“listing” isalsousedtorefertothefor-salehomeitself OneExceptionisahomesoldby theowner(FSBO)withoutarealestateagentsinceitisnotlistedontheMLS duringthesale
GLOSSARY Sellers
MULTIPLE LISTING SERVICE (MLS):
AnMLSisanorganizationthatcollects,compiles,anddistributesinformation abouthomeslistedforsalebyitsmembers,i.e.,realestatebrokersandRealtors®. Membershipisnotopentothegeneralpublic,althoughselectedMLSdatamaybe soldtorealestatelistingwebsites MLSsarelocalorregional Thereisno nationalMLS
MORTGAGE RATE:
Amortgagerateistherateofinterestchargedonamortgage.Mortgageratesare determinedbythelenderandcanbeeitherfixed(stayingthesameforthetermof themortgage)orvariable(fluctuatingwithabenchmarkinterestrate) Mortgage ratesvaryforborrowersbasedontheircreditprofile
PENDING:
Thismeansthesellerhasanacceptedoffermutuallyagreedonbybothparties. Thestatuswillshowas"pending"untiltheclosing Eventhoughasaleishighly likelyatthispoint,somependingpropertiesmaystillacceptbackupoffers Ifyour offerisacceptedasabackup,you’reinlinetogoundercontractifthefirstsale fallsthrough
PRIVATE MORTGAGE INSURANCE (PMI):
Privatemortgageinsuranceisatypeofinsuranceusedwithmortgageloans PMI protectsthelender,notyouifyoustopmakingpaymentsonyourloan Itis typicallyrequiredwhenabuyerputslessthan20%downonthepurchaseoftheir home.
REALTOR®:
ArealestatebrokerorsalesassociatewhoisamemberoftheNational AssociationofREALTORS®,whichmeansthatheorshemustupholdthestandards oftheassociationanditsCodeofEthics NotallrealestateagentsareRealtors
UNDER CONTRACT:
Thesellerhasanagreed-uponcontractwithapotentialbuyer Thisdoesnotmean thatthehomehasofficiallysold Thisisalsoreferredtoas"Pending"ontheTriCitiesMLS
