Buyer's Guide for Willow Smith presented by Kate Kelley

Buyer’s Guide THIS PRESENTATION HAS BEEN PREPARED FOR:

Willow Smith

by Kate Kelley BROKER ASSOCIATE

WK Real Estate 303-775-9250 kkelley@wkre.com www.kate.wkre.com

ABOUT

Welcome to WK Real Estate What’s your passion? At WK Real Estate, that’s an easy question to answer. While some say our industry is about buying and selling houses, we believe it’s about finding and creating new homes. That’s our passion. And for more than 45 years, it has been the driving force behind everything we do.

Established in 1976, WK Real Estate is the largest independently owned, full-service real estate company in Boulder County. From our inception, we have been committed to helping residential, corporate and commercial clients find the perfect property.

Our brokers are chosen for their proven expertise, deep knowledge of Boulder County and beyond, and unwavering passion for connecting people with the right properties and the best resources.

WK Real Estate blends the best of big firms and boutique agencies, delivering world-class service with a personal touch. We boast an extensive international network, integration of the most current technology, and membership in many of the industry’s most prestigious organizations.

WK Real Estate has an outstanding reputation for marketing distinguished properties, and for sales professionals who offer specialties in residential, mountain, farm and ranch locations in Boulder, Longmont and the surrounding communities. We also proudly maintain an international real estate presence through our strategic alliances. We invite you to read on to learn more about us and how we can help you.

When it comes to real estate, we prove that you can have it all.

ABOUT

Mission At WK Real Estate, our mission is to stimulate the quality of life in Boulder and surrounding counties through real estate. Our clients are our primary focus. We work tirelessly to meet and exceed your expectations.

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Int eg ri

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WK Real Estate was built on 5 core principles. We embrace these values every day with passion and energy.

I n n ov a t i o n

WK Real Estate’s adherence to these principles is continually revealed though our unparalleled personal service and a nurturing business environment that promotes long-term financial success. We are leaders in the communities we serve and live in. The spirit of giving back is fundamental to everything we do. In fact, our agents annually participate in more than 100 volunteer events and organizations.

ABOUT | Our Team

The WK Real Estate Team As an independently owned company, WK Real Estate takes great pride in providing highly personalized service to lifetime clients. That commitment begins and ends with an impressive team of smart, seasoned agents.

Our Brokers WK Real Estate seeks out the best and brightest brokers around. Our agents average more than 15 years of experience in real estate. They come from diverse backgrounds and draw on a wealth of knowledge. We encourage a culture of collaboration. Our agents rely on their colleagues to ensure the needs of every client are met.

When it’s all said and done, what you give back matters most. This is a guiding principle at WK Real Estate. Our roots run deep in the communities we serve. Our agents see the big picture and actively work to make the world a better place for their neighbors, friends and families.

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The WK Real Estate Team (continued)

ABOUT | Our Team

The WK Real Estate Leadership Team No real estate company in Boulder County can match the combined experience of the WK Real Estate Leadership Team. Chairman and founding partner Lew Kingdom is a Certified Residential Specialist (CRS) and a Certified Real Estate Broker Manager (CRB), and has earned National Association Realtor's Green Designation (GREEN). President Dan Kingdom has been recognized as Realtor® of the Year and has also logged two terms as Director for the Colorado Association of Realtors (CAR). Executive Vice President, Kari Newman brings a wealth of real estate knowledge being a graduate from the Realtor® Institute (GRI) and over 18 years of sales and management experience.

Our Relocation Team

Our Marketing Team

Our Support Team

WK Real Estate has been in the relocation business for more than 30 years, longer than anyone else in the area. In fact, we are the only agency in Boulder County to have a Certified Relocation Professional (CRP) on staff and a team dedicated specifically to this segment of the industry.

WK Real Estate has established itself as a leader when it comes to effective, targeted marketing.

Our easy-to-use website (www.wkre.com) features cutting-edge technology that showcases properties of all shapes and sizes. In addition, the WK Real Estate Marketing Team includes specialists devoted to Social Media and Digital Marketing.

WK Real Estate is one of the few agencies in Boulder County that employs a full-time support team, including a Front Desk Coordinator, Graphic Designer, Showing Coordinators and Transaction Coordinators. This added layer of administrative support allows our agents to focus on the things they do best, while making the buying and selling process easier and more efficient for our clients.

About Me Originally from western Massachusetts, Kate moved to Colorado in 2012, in search of adventure and new opportunities. After falling in love with the Front Range, she decided to make it permanent, by getting her real estate license and buying her first home.

Kate strives to provide a smooth and stress-free real estate experience for her clients with the goal of complete satisfaction. She caters to clients’ needs by providing personal, professional service and utilizing the power of technology. As an advocate for her clients, she looks forward to using her excellent negotiation and conflict resolution skills to get the results you desire. With sincere dedication and a passion for educating consumers in the marketplace, Kate extends her core values and business ethic into the relationships she builds with clients.

Kate has a passion to lead and serve. She was the 2020 President of Women’s Council of Realtors North Metro Denver, on the previously served on the Board of Directors for the Boulder Area Realtor Association, and was awarded the Colorado Association’s of Realtors YPN Member of the Year award. All of these ventures have provided incredible value to her personal & professional growth while creating incredible business relationships at a local and national level.

She currently resides in Boulder County, Colorado and enjoys the outdoors, volunteering, cooking, crafting, going to and participating in sporting events, and spending time with friends and family.

BROKER ASSOCIATE

303.775.9250 kkelley@wkre.com www.kate.wkre.com 4875 Pearl E. Circle, Suite #100 Boulder, CO 80301

Testimonials

- Cory

- John & Walt

- Heather

- Linda

- Brianna

- Robert Stevens

- Leslie

ABOUT

Boulder County & Beyond WK Real Estate serves clients all over the greater Front Range area and Metro Denver.

We maintain offices in Boulder and Longmont, but our reach extends far beyond that, including Arvada, Berthoud, Broomfield, Dacono, Denver, Eldora, Eldorado Springs, Erie, Firestone, Fort Lupton, Frederick, Golden, Hygiene, Jamestown, Lafayette, Louisville, Loveland, Lyons, Mead, Nederland, Niwot, Superior, Thornton, Ward and Westminster.

Estes Park

34

34

Greeley

34

Loveland Johnstown

7 36

Berthoud 85

287

BOULDER COUNTY

Lyons

Mead

Platteville

7 66

Allens Park 36

7

Longmont

Hygiene

85

Jamestown

25

119

Niwot 72

52

Ward

Boulder

Eldora

Nederland

7

Lafayette

Brighton

Louisville

93

Fort Lupton

Erie

287 7

119

Firestone Frederick Dacono

85

Eldorado Springs

Superior

76

25 36

Broomfield

Denver International Airport

Thornton Westminster

119

Arvada

93

Golden

KEY WK Real Estate Office Primary areas served

by WK Real Estate

76

270

Commerce City

58 70 70

6

Denver

70 70

70

470

Lakewood Evergreen

Glendale

ABOUT

Leading Real Estate Companies of the World® WK Real Estate's reach is truly global, thanks in part to our membership in the Leading Real Estate Companies of the World ® (LeadingRE), an invitation-only network of more than 565 agencies in more than 70 countries around the globe. In total, LeadingRE accounts for more than $372 billion in sales volume, and its members have the #1 market share in more top markets than any other real estate network.

LeadingRE's headquarters are in Chicago, with international offices in London and Singapore. It boasts more sales among the top 500 brokerages than any other real estate network. Training Magazine has recognized its awardwinning learning platform, Leading RE Institute, multiple times. WK Real Estate takes great pride in being one of a select group of companies to earn the Website Quality Certification from LeadingRE, a designation that highlights high achievement in online design and functionality.

WK Real Estate’s affiliation with LeadingRE is of great benefit to our clients. For clients moving out of state, LeadingRE’s website features powerful search tools that allow you to view homes in locations all over the country and around the world.

More US Home Sales Volume than any National Real Estate Brand Leading Real Estate Companies of the World®

$257

Keller Williams

$219

Coldwell Banker

$187

Berkshire Hathaway HomeServices

$91

Compass

$91

RE/MAX

$85

Sotheby’s International Realty

$78

eXp Realty

$36

Redfin

$31

Douglas Elliman

$29

Century 21 Homesmart Corcoran Better Homes and Gardens ERA

$29 $17 $16 $13 $10

Volume shown in billions of dollars.

This bar chart is sourced from REAL Trends 500 for 2019, realtrends.com.

ABOUT

Relocation Services WK Real Estate was the first Boulder County company to recognize the specialized services and support that relocating clients require. To address this need, in 1987 we formed our Relocation Department with staff and associates who have the relevant knowledge and necessary skill sets. We have since worked with thousands of individuals as well as local and national corporations to ease the transition of relocating in or out of the area.

We’re Local, We’re Global As an affiliate of Leading Real Estate Companies of the World®, our brokerage is a local and global market leader working on your behalf. Through world-class resources and connections, LeadingRE and our award-winning Relocation Department work together to provide our clients with truly exceptional real estate experiences anywhere in the world.

Our Full-time Relocation Team - Experienced Professionals

WK Real Estate is consistently recognized and awarded for our outstanding work and contributions to the Leading Real Estate Companies of the World® network. WK’s Relocation Department proudly holds the RELO Quality Certification® (RQC). Currently only 27 of the 565 firms in the worldwide network have been awarded this most prestigious certification. Modeled after the Malcolm Baldrige National Quality Award, the RQC was created by LeadingRE to provide measurable standards for the pursuit of relocation excellence. WK Real Estate is currently the only firm in the North Metro Denver, Boulder and Northern Colorado area to have been awarded this prestigious credential.

With over 30 years of combined relocation and real estate experience, WK’s Relocation Department is the area’s most experienced and only full-time team. WK Relocation is a recognized leader in individual and corporate relocation services. Additionally, our VP Corporate Services & Relocation is the area’s only Certified Relocation Professional®, accredited by the Worldwide Employee Relocation Council®.

PAM METZGER, CRP, GDS, GRP

DIANA CARDENAS, LRS, GRP

Vice President, Corporate Services & Relocation

Relocation & Referral Coordinator

Services We offer an extensive array of services to both individuals and corporations, including: P Personalized Client Needs Assessment P Customized Relocation Materials P Area Orientation Tours P Cost of Living Analysis

P Home Finding P Current Home Market Analysis P Home Sale Assistance - Local and Departure Location P Household Goods Move Referrals

P P P P

Settling-In Services Rental Assistance Temporary Housing Relocation Policy Consultation

ABOUT | Luxury

Luxury Real Estate Among our strengths at WK Real Estate is the marketing and sale of luxury homes. As a founding member of Luxury Portfolio International®, we are the local leader in an exclusive network of the world’s most experienced and respected experts in luxury real estate.

Luxury Portfolio International® utilizes a mix of online media tools and traditional publishing venues to position homes to receive maximum exposure. More than 50,000 properties were featured last year in Luxury Portfolio International’s global publications and on its award-winning website, www.LuxuryPortfolio.com.

Luxury Portfolio International® is the luxury face of Leading Real Estate Companies of the World®, and gives our listings exposure t0 the largest audience possible outside of our local market.

Some of the advantages of this affiliation are: P More #1 market share firms in major U.S. cities than any other network or franchise P More than $58 billion in global luxury properties on 6 continents P More listings over $1 million than any other network or franchise P More than 58 million affluent consumers targeted through integrated marketing P An average of 3 million high net worth visitors annually to luxuryportfolio.com

ABOUT | Luxury

Through our relationship with Luxury Portfolio International®, WK Real Estate provides your distinctive property with unprecedented measurable exposure to a global audience, including: P Affiliate websites such as WallStreetJournal.com, MansionGlobal.com, Juwai.com, CountryLife.co.uk, LeadingRe.com, and Barrons.com P Innovative online media tools P Traditional publishing venues such as the Wall Street Journal, Unique Homes, LUXE Interiors + Design, International Property & Travel, FOUR, Financial Times and Yachts International P Exclusive Luxury Portfolio International magazine P Award-winning Luxury Portfolio International® website that reaches consumers from more than 200 countries each month

Luxury Brochure Sample

Some of the publications that feature Luxury Portfolio International properties.

BUYER’S GUIDE

Service for Buyers At WK Real Estate, our goal is to be your Realtor® for life. When you choose a WK Real Estate agent to help you find a new home, you are getting a skilled and knowledgeable associate who will always look out for your best interests. When we make a commitment to you as a client, we pledge the following: Earn Your Trust P Understand your criteria.

P Share our knowledge.

P Locate matching properties.

P Use your time efficiently.

Provide Guidance After You Find the Right Home P Walk you through offers, negotiations and purchasing steps.

P Review paperwork to ensure it’s complete and accurate.

P Streamline all transactions with timely communication.

Create a Stress-Free Closing P Coordinate with the title company, lender and seller’s agent.

P Accompany you to the closing to offer advice as needed.

Be Available After Closing P Answer any questions regarding your new home.

P Provide assistance for future real estate needs.

BUYER’S GUIDE

Entering into Buyer’s Agency In Colorado, real estate agents are tasked with many responsibilities they don’t have in other states. In general, their job is to act as an advocate for their clients. If you are looking for a new home and sign with a broker, you enter into buyer’s agency. That means you and your agent have an exclusive agreement to work together.

At WK Real Estate, we take our relationship with our clients very seriously. Once buyer’s agency is established, our work begins. WK Real Estate promotes your interests and advocates for you with the utmost goodwill and fidelity. Our agents will always encourage you to consider the facts when considering a home purchase and will never pressure you to make a decision. Among our many duties are: P Help you find the right home based on your criteria.

P Counsel you as to known benefits and risks of transactions.

P Disclose any adverse material facts about a property.

P Protect your negotiating position at all times.

P Advise you regarding verification of information related to a property.

P Seek price and terms that are acceptable to you.

P Prepare current market and financing information.

P Review all contracts and explain them to you.

P Write offers that protect your interests.

P Procure acceptance of the offer you make.

P Assist in the completion of an accepted offer.

P Ensure title work and related documents are completed on time.

P Identify everything you need to bring to closing.

P Recommend qualified attorneys, accountants, engineers and other professionals when you need additional expertise.

According to state regulations, there are also duties we are not allowed to perform: P Provide legal or tax advice.

P Guarantee that the seller and lender will do what they promise.

P Warranty your home against defects.

P Guarantee that school boundaries and zoning will not change after closing.

P Guarantee the exact square footage of a house and the size of each room.

BUYER’S GUIDE

The Home Buying Process Interview with Realtor Lender Pre-Approval

Needs Wants

Search/View Property

Submit Offer

Relationship Services Expectations Rejected

Negotiation

Counter Proposal

Accepted

Contract Accepted Loan Application

Mortgage Company

Credit Report

Property Appraisal

Gather Documents

Property Inspection

Property Insurability

Due Diligence Documents

Document Verification

Inspection Resolution

Underwriting

Title Search

HOA Documents

Property Survey

Loan Approval

Closing Readiness*

Walk Through

Final Loan Documents

Blue boxes are prewritten contingencies in the contract

Seven

Closing

Possession

* Be fully prepared to close no later than seven days prior to the closing date stated in the buy/sell contract. This is necessary to ensure your lender can provide you the final loan documents and disclosures within the time period required by law.

Homesnap

Kate Kelley WK Real Estate

Visit the link and get the app!

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BUYER’S GUIDE

Properties We Can Help You Buy What type of transactions can WK Real Estate assist with? In addition to vacant land, here is a list of other properties: Any new home construction in a new home project.

Don’t sign anything, including a guest registry, until you visit a property with your WK Real Estate agent.

Any home listed by another company.

Some properties may be advertised as “exclusive listings,” but all agents are part of the same MLS.

Any property you may see at an Open House.

Give the host agent the card of your WK Real Estate broker and let them know you are working with us.

Any For Sale by Owner properties.

Check with your WK Real Estate agent if you see an interesting for-sale-byowner property. We will call to arrange a showing and negotiate a contract on your behalf.

Any Commercial Property.

Let your agent know if you are interested in any commercial properties.

Our areas of expertise include leasing and sales, tenant representation, 1031 exchanges, apartment sales and investment analysis.

BUYER’S GUIDE

Mortgage Basics For many people, buying a home is the single biggest financial decision of their lives. Choosing a lender is a crucial part of that process.

At WK Real Estate, we work with our clients to make getting a mortgage as easy and simple as possible. WK Real Estate has its own preferred lending partner — Cherry Creek Mortgage — which operates out of our Boulder office, but should you prefer to secure a mortgage on your own, here are some helpful tips to keep in mind:

Find a lender that fits your needs and personal style.

Remember that you are building a relationship with your lender. Don’t select one based solely on rates and fees.

Compare apples to apples.

The more accurate and detailed the information a lender has regarding your financial situation, the more accurate and detailed the rate quote. In general, the higher the risk, the higher the rate and costs.

Determine your down payment.

All things being equal, you will get a better rate quote with a larger down payment.

Increase your power as a borrower.

There are many factors that influence the type of loan you get and the rate associated with it. Is this your first home purchase? Is your income easily verifiable?

Is your credit history strong, specifically your FICO score?

Get pre-qualified or pre-approved.

This will save you time and hassle down the road.

Local is better than out-of-state or web-based.

Lenders are responsible for picking the appraiser.

As a homebuyer, you are much better served by an appraiser with extensive knowledge of your local market.

Consider the APR along with the rate.

The APR is an extremely useful tool in comparing different interest rates and fee configurations.

Understand the terms of your loan.

Are there pre-payment penalties? If you are obtaining an Adjustable Rate Mortgage, when will the adjustments occur and how are they calculated?

BUYER’S GUIDE

The Cherry Creek Mortgage The Premier Mortgage Difference Difference

WK Real Estate has its own preferred lending partner, Premier Mortgage Group, which operates out of our Boulder office.

WK Real Estate has its own preferred lending partner, Cherry Premier Mortgage Group---- thewhich #1 residential lender inout northern Colorado---is the top-producing Creek Mortgage, operates of our Boulder office. division of Cherry Creek Mortgage Company (CCMC), A PRIVATLEY OWNED Top 40 lender nationally.

Headquartered in Colorado, CCMC has more than 90 locations across the country. loans are Cherry Creek Mortgage— the #1 residential lender in northern Colorado— is the top-producing divisionTheir of Cherry Creek provided by the nation’s banks andTop investors.

Real Headquartered Estate’s on-site team manages Mortgage Company (CCMC), Alargest PRIVATLEY OWNED 40 lender WK nationally. in Colorado, CCMC has the entire loan transaction, from originating and processing to underwriting and closing.

We more than 90 locations across the country. Their loans are provided by the nation’s largest banks and investors.ensure WK Reala smooth, timely process from start loan to finish.

Estate’s on-site team manages the entire transaction, from originating and processing to underwriting and closing.

We ensure a smooth, timely process from start to finish.

Earnest Money Protection

Earnest Money Protection

the Know BeBeininthe Know

If you incur a loss of earnest money If you incur a loss of earnest due to an error made by the Premier money due to an error made Mortgage Group Loan Officer or our by the Cherry Creek Mortgage Company, we will reimburse you the Officermoney or our Company, fullLoan earnest loss incurred. we guarantee will reimburse you the The does not full include errors, or incurred. non-performance earnest delays money loss The by any third parties involved in the guarantee does not include errors, transaction. Certain restrictions and delays or non-performance by conditions apply and compliance with any third parties involved in the all applicable rules and regulations is transaction. Certain restrictions required.

Stay on top of the market in your Stay on top of the market in neighborhood with the sold home your neighborhood with the and report. With just an address sold you home report. just anthis email, can beginWith receiving address and email, you can begin complimentary monthly report detailing the recently sold homes receiving this complimentarynear you.monthly You can report also view homesthe in your detailing market or use the website to discover recently sold homes near you. all the sold homes across the country You can also view homes in on desktop and mobile devices.

and conditions apply and compliance with all applicable rules and regulations is required.

your market or use the website to discover all the sold homes across the country on desktop and mobile devices.

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The housing market constantly fluctuating and Homebot is constantly fluctuatingwhether and can help you determine can help determine yourHomebot home equity hasyou increased by providing you your withhome financial reports. whether equity has This increased can be a by great tool to help you providing you with calculate retirement. By the time the financial reports. This can be a average American reaches 65 years of great tool to help you calculate age, 83% of their retirement will come retirement. By the time the from their home equity. Homebot American reaches 65 years is average a dynamic financial dashboard of age, of their retirement to designed to 83% empower homeowners build wealth will comewith fromtheir theirhome. home equity.

Homebot is a dynamic financial dashboard designed to empower homeowners to build wealth with Cherry Creek Mortgage., Inc. NMLS# 3001, dba Premier Mortgage GroupThe material provided here is intended as educational and informational only and is for distribution to real estate or financial professionals and is not intended for distribution to consumers; this does not constitute an offer to lend or to recommend available products. their home.