Buying Your Home

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Cutler Real Estate's Guide to Buying Your Home

Transcript of Buying Your Home

  • Buying Your Home

  • Company Overview

    Com

    pan

    y Overview

  • Cutler Real Estate is a locally owned business which has specialized in and grown with many distinguished communities in Ohio, Kentucky, and Indiana. Since 1947 we have enjoyed powerful community recognition built upon our trademark of personalized service to the many families moving in and out of the area.

    Because we have grown with our communities, our real estate professionals have intimate knowledge of each communitys character, mood, and growth potential. Since our Realtors live in the communities we serve, they can readily meet the unique challenges and problems families encounter in selecting their new homes. Drawing on their extensive knowledge of schools, recreational facilities, shopping requirements and transportation, our Realtors are able to better satisfy the special family housing needs of their clients.

    We are a company of people...and it is because of these dedicated people you can feel confi dent that all of your real estate needs will be handled in a trustworthy, professional and effi cient manner.

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    The Cutler Story

  • Alliance2215 West State St.Alliance, Ohio 44601330.821.1113

    Carrollton704 Canton Rd. N.W., Suite ECarrollton, Ohio 44615330.627.0727

    Dressler4618 Dressler Rd. N.W.Canton, Ohio 44718330.492.7230

    Fairlawn2800 West Market St.Akron, Ohio 44333330.836.9141

    Green971 E. Turkeyfoot Lake Rd. Akron, Ohio 44312330.896.1680

    Clintonville/Beechwold4579 N. High StColumbus, OH 43214614.598.0801

    Grove City3395 Farm Bank WayGrove City, OH 43123614.339.4664

    Historic Dublin11 W. Bridge StreetDublin, OH 43017614.792.7500

    Short North/Metro663 N. High StreetColumbus, OH 43215614.340.9660

    New Albany272 E. Main St New Albany, OH 43054614.339.4664

    Powell14 East Olentangy StPowell, OH 43085

    Upper Arlington3380 Tremont Rd., Suite 210Upper Arlington, OH 43221614.339.4664

    DublinComing Summer of 2014

    Downtown Metro Offi ce1118 Pendleton Street #440Cincinnati, Ohio 45202

    Harrison Ave6460 Harrison Ave., Suite 100Cincinnati, Ohio 45247513.429.4290

    Hyde Park Offi ce3651 Michigan Ave. Suite 101Cincinnati, Ohio 45208

    Cin

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    Hudson84 Village WayHudson, Ohio 44236330.656.1081

    Kent414 E. Main St.Kent, Ohio 44240330.678.1277

    Medina3647 Medina Rd.Medina, Ohio 44256330.725.1052

    North Canton203 Applegrove N.W.N. Canton, Ohio 44720330.499.9922

    Stow/Falls3653 Darrow Rd., Suite OneStow, Ohio 44224330.688.2100

    Wooster570 N. Market St.Wooster, Ohio 44691330.264.8133

  • Cutler Family of Companies> > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > >

    CutlerCustomer Care Center

    888.763.7575

    Customer Care Center

    AuctionServices

    RegionalMortgage Services

    Title One Agency, Inc.

    Commercial Investment

    Group

    RelocationServices

    RENTProgram

    Short SaleServices

    Short SaleServices

    PaperlessBusiness Solution

    Luxury Portfolio

  • Consultative Sales Commitment> > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > >

    Consultation - When you work with me, I commit to:Listen to your goals

    Use my specialized knowledge and training to help make sense of the complex home buyingand selling process

    Recommend the right resources to help you reach your goals

    Negotiation - When I negotiate for you I will:Commit to helping you negotiate the best possible price for your home

    Help you obtain the most favorable terms in the shortest period of time

    Effectively manage the buying or selling process to help you achieve your goals

    Facilitation - Throughout the transaction I will:Work to put sales together that stay together

    Help to make things happen for you

    Offer you outstanding customer service and my personal expertise

    Offer you a wide range of quality real estate resources, be it mortgage, title, relocation, homewarranty or fi nancial services

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  • Buying a Home

    Buyin

    g a H

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  • Possession

    Loan ApplicationVerify Employment

    Credit ReportVerify Funds

    AppraisalLoan Approval

    BuyerSeller

    Title ExamSurvey

    Owners Policy Of Title Insurance

    Title Company

    Purchase Agreement

    Lender

    Earnest MoneyDeposited

    Deed

    Documents Signed

    Contingencies Removed

    Obtain Homeowners Insurance

    Deposit Funds

    Sign Documents

    Escrow Lender / Title Company

    Title Transfer

    Utility Transfer

    Keys

    Money Proceeds

  • Let Us Make...a Complex Process Simple

    From specialized market knowledge to fi nancing to closing of the transaction, we provide excellent service every step of the way.

    Buying a Home

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    Agency Options

    Defi ning Your Housing Priorities

    Advantages of Working with a Buyers Agent

    Working with a Buyers Agent

    How Much Home Can You Afford?

    Financing Your Home

    Pre-approval from Westfi eld Bank

    Estimated Buyers Costs

    Documents Needed to Apply for a Mortgage

    Finding Your Home

    Factors Affecting the Price of a Home

    Making the Offer

    Negotiation to Contract

    Closing the Transaction

    Title Insurance

    Homeowners Insurance

  • Defining Your Housing PrioritiesPersonal Profi le

    I will listen to your needs, explain the process, and guide you every step of the way.

    Name (1) Name (2)

    Address Own/Rent Years in this home

    Home Phone Work (1) Work (2)

    Email (1)

    Email (2)

    Preferred Method of Communication: Home Phone Work(1) Work (2) Email (1) Email (2)

    Children (names/ages)

    Motivation

    Reason for move

    Desired possession Is this date fl exible? Why

    Moving from Referral services accepted?

    Do you need to sell your present home before closing on your next home?

    Present home: Listed Sold Est. Equity $ Closing Date

    How long have you been looking for a home?

    Have you seen any homes you like? Why didnt you buy?

    Are you looking at homes with any other Realtors?

    Have you ever bought a home before?

    Familys feelings about moving?

    Authority

    How does your family make important buying decisions such as this?

    Anyone else who needs to be consulted prior to you buying a home?

    Reason

  • Financial Information

    Amount available for down payment? $ Source Who controls

    Monthly income Borrower (1) Co-Borrower (2) Monthly Expenses Borrower & Co-Borrower

    Total gross income* Housing

    Other income** Other installment payments

    Revolving account payments

    Other

    Total monthly income Total monthly expenses

    Is all income verifi able

    Regardless of what you may qualify for, how large a payment are you comfortable with? to

    Have you been involved in any bankruptcy, mortgage foreclosure, or other credit problems during the last 7 years?

    Please explain:

    Eligible for government or special fi nancing programs?

    Buyers Estimated Price Range to Loan type, term, rate

    *Overtime, bonuses, and other incentive pay often are not included by lenders for qualifi cation.**Alimony, child support or separate maintenance need not be revealed if it is not to be considered for repaying the loan.

    Housing Information

    What do you like about your present home?

    What would you change about your present home?

    Do you have any hobbies, interests, lifestyle factors that would affect your housing needs?

    Do you anticipate any changes that may affect your needs?

    Basic features desired: BR Bath Style Lot Size Other

    Availability to look at homes Best times to look at homes: Days Nights Weekends

    Is there anyone else who could benefi t from this type of discussion?

    Source of buyer lead: Follow-up call made to source?

    WANTS NEEDS PRIORITIES

  • Showing Record

    ADDRESS STYLE SIZE BUILT LOT BR BA GAR

    DATE PRICE COMMENTS

    ADDRESS STYLE SIZE BUILT LOT BR BA GAR

    DATE PRICE COMMENTS

    ADDRESS STYLE SIZE BUILT LOT BR BA GAR

    DATE PRICE COMMENTS

    ADDRESS STYLE SIZE BUILT LOT BR BA GAR

    DATE PRICE COMMENTS

    ADDRESS STYLE SIZE BUILT LOT BR BA GAR

    DATE PRICE COMMENTS

    ADDRESS STYLE SIZE BUILT LOT BR BA GAR

    DATE PRICE COMMENTS

    ADDRESS STYLE SIZE BUILT LOT BR BA GAR