BUYING YOUR HOME WITH

DESIREE GOLDMAN

Always with a focus on You

!

HOW I WORK FOR YOU AS A BUYERS AGENT WHY A BUYER’S AGENT? There is a difference having a dedicated Buyer’s Agent show you a home and seeing homes with the listing agent or multiple properties with different agents.

! A Buyer’s agent gives you continuity of thought. I will point out the pros and cons of the different properties, pick up on the features that are truly important to you and help you compare them.

! A Buyer’s agent gives you a broad perspective, importantly about future resale value. Being a local Realtor since 1998, I have seen the ups and downs of the market and know what neighborhoods and types of homes weathered the downturns the best. Even though we are currently in a market moving in favor of sellers because of low inventory, not all areas react the same.

OUR RELATIONSHIP IS BASED ON A BUILDING OF TRUST.

! Right from the start you’ll know I am working for you. Whether you are a returning client, a personal referral or someone who found me on Zillow, Trulia or any other website. . . . my job is to get you the right home at the best price.

A Buyer’s agent will not cost you any additional money. When sellers list their home it is already factored into the price. If you go direct to the Seller’s Agent, they will receive the full commission as a Dual Agent. A Seller’s Agent works for the seller and will not represent your interests.

Our firm does not charge any transaction or special fees to our clients unlike some of the other companies in the market.

Always with a focus on You

!

THE BUYING EXPERIENCE-WHAT TO EXPECT

I am always willing to meet a new potential client to discuss whether we are a good match and take you out the first time looking at homes to see whether you believe I will do the best job. !Before this first meeting I highly recommend you get preapproved by a LOCAL lender first.

In our highly competitive Real Estate market with multiple offers and good properties can be sold in a day, you want to be in position to put your best foot forward for your offer to be the one accepted.

Unfortunately, some big banks and online lenders will do a cursory prequalification just by pulling credit report only to a week or so before closing when underwriting gets involved change their mind of funding the loan. By this time you have spent money on the Due, Diligence fee, inspections etc.

POTENTIAL LENDERS

This is the absolute FIRST STEP when starting to look for a home. Here are three local lenders I have worked with that care about customer service and

will get the job done for the loan to close on time.

Whitney Bulbrook Carolina Ventures Mortgage w: 919-960-1506 c: 919-260-6020 whitney@carolinaventures.com !Andy Law Corporate Investors Mortgage w: 919-929-6116 c: 919-606-1158 alaw@cimginc.com Bryan Parker Cunningham & Company w: 919-880-4226 bryanp@cunninghammortgage.com !

THE BUYING PROCESS

STEP-BY-STEP

Always with a focus on You

!

HOW THE BUYING PROCESS WORKS

Here is a basic step-by-step plan for the purchase of your new home. I will make some recommendations of vendors but I have no financial relationship with any of them.

1. Get clear on your criteria for your new home

! This includes: " area " size " number of bedrooms and baths " yard size " type of neighborhood " price range

! Sometimes it is best to break your new home into 3 categories: " needs " wants " desires

2. Follow the market and view homes

! I will always print out the MLS info sheets on all homes we see. This is a good place for you to make any notes about the homes so they do not blur together.

! I will set up your personalized search which will give you the most accurate information on the property and also you will be the first to know when a new property hit’s the market " While there are dozens of websites to set up a home search, the

most accurate is the MLS (Multiple Listing Service) Our MLS service does not send listings to Zillow & Trulia. Some brokerages are sending their listings but you could miss a great home. Also it can take 24 hours before the listing goes through syndication. The property could be under contract before you even had an opportunity to see it. So, please let me set up a search for you. You can control it after that.

Always with a focus on You

!

BUYING PROCESS: PHASE 2 After looking at homes, you are now ready to put in an offer! Here is what will happen.

3. When you’re ready to put in an offer

! Once we find a property you like, we will write up an offer to purchase. At this time you will be expected to put a nonrefundable Due Diligence fee and an earnest money deposit. Both are negotiable and get credited towards the purchase price and your down payment. The Due Diligence fee pays for the opportunity to put the home under contract and have a period of 3-4 weeks for us to do a home inspection, pest inspection, appraisal, survey (yes a survey is important) and any other investigation or quotes on renovations you may like. I always attend the home inspections even if my client lives out of town and cannot attend. From the inspection reports we craft a request for repairs if any. This is to be negotiated and agreed upon prior to expiration of the Due Diligence date. The seller is not obligated to make any repairs. You may withdraw from the contract up to the Due Diligence date and have your earnest money (but not the due diligence fee) returned. (I will provide you names of inspectors I have used for years. You may choose one of them or find your own. For my busy clients, they let me get it scheduled and done to make the process the least time consuming on them possible. Especially if they live out of town)

4. Contract accepted and inspections ! As soon as we are under contract we want to get the inspections

scheduled and start the loan process ASAP. During the spring market the good inspectors can be booked weeks out. We also want to get on the calendar with a closing attorney. ( I will provide you a list of closing attorneys and home owner insurance companies) Throughout this process I will be managing the inspectors, lenders, vendors to make sure they are staying on top of process to make the transaction as smooth as possible.

Always with a focus on You

!

BUYING PROCESS: PHASE 3

Once the contract is accepted and inspections are scheduled, we need to handle potential repairs and get ready for the closing!

5. Repairs and re-inspection

! Once we have confirmation of repairs completed we will do a re-inspection of the repairs agreed upon. Depending on the level of repairs you can choose to look them over yourself or hire your inspector to come back and check they were done properly.

6. Get ready to move in and change utilities

! Provide contact info for utilities for you to have them transferred in your name for the day of closing.

7. Walkthrough

! We will do a walkthrough the day before closing or the day of closing to make sure now the sellers have moved out, the home is in the same condition as when we went under contract. No holes in the walls, items unexpectedly removed.

8. Disclosure statement

! A few days prior to closing we will get the closing disclosure showing the allocation of all the money and what amount of cash you need to bring to the closing. This is usually done by wire transfer but can also be a certified check. I will attend closing with you.

9. Make sure you switch everything over!

! While this process is going on I have a great service called www.updater.com that can assist you in coordinating your move. Very helpful in making sure nothing gets dropped out like changing your mailing address.

Always with a focus on You

!

BUYING PROCESS: PHASE 4 This is it, the final steps!

10. CLOSING!

! After the closing has been recorded with the County (usually that day) you will get the keys to your new home! Yeah!!!

11. But that’s just the start

! Our relationship does not stop here. I am always available for referrals and helping you learn about the area. Need a good drycleaner, hairdresser, you name it. I am fortunate that many of my clients have become friends and I believe in keeping a long-term relationship with all my clients. I do like to keep my clients informed by sending out newsletters.

12. Share your experience

! I am positive you will be satisfied with my service and will be willing to write a review for me on Zillow.

So you can see that buying a home is a complicated process. It’s my job to

simplify it without cutting any corners. From finding the right home at the right price, to getting it closed, I will be your eyes and ears, leader and

counsel. Most of all, all my work will be done “with a focus on you.”

Desiree was very knowledgeable about the area and patient with our house search. It was very

stressful trying to sell a house and buy a house at the same time. We had back to back closings

so the timing was crucial. Desiree negotiated us the price we wanted and made the whole

process go smoothly. She recommended the home inspector and was there for the 2-3 hour

inspection... I don't think my husband and I would have survived the move if it hadn't been for

Desiree and all her help! We would highly recommend her! -kbarrett99, 1/16/2015

We asked Desiree to help us buy our first house. We didn’t have any experience, so we asked

her many questions. She always gave us straight answers. During one house visit, she pointed

out a design flaw in the kitchen that we probably wouldn't have noticed without her. Before

closing, we wanted to show my mom our house when she was in town on Thanksgiving week.

Desiree was happy to make time for us on a holiday weekend. -ama12, 1/9/2015

Desiree was fantastic throughout all stages of my home buying process. She was incredibly

responsive to all needs, and would aid me with both large and small questions. She is highly

knowledgeable of the area... Additionally, the individuals to whom she referred me (inspector,

closing attorney, etc) were all fantastic as well! Overall, Desiree was a critical member of my team

and I would highly recommend her! -7/12/15

I knew Desiree before my wife and I ever started looking for a home from Desiree's work in the

local community. There were two main reasons I called her first when we were ready to buy:

1) I knew she would talk straight with me, and be honest with me even if it wasn't what I wanted

to hear 2) She knew her stuff: both the local market, and the process, which was reassuring as a

first-time home buyer. Desiree did not disappoint. The only regrets I had through the whole

process were when I didn't listen to her when I should have. I learned that lesson;

My new motto when it comes to real estate is My new motto when it comes to real estate is "What would Desiree do?" I would definitely

recommend her services to friends. -Jason Baker, 12/7/2015

I knew Desiree before my wife and I ever started looking for a home from Desiree's work in the

local community. There were two main reasons I called her first when we were ready to buy:

1) I knew she would talk straight with me, and be honest with me even if it wasn't what I wanted

to hear 2) She knew her stuff: both the local market, and the process, which was reassuring as a

first-time home buyer. Desiree did not disappoint. The only regrets I had through the whole

process were when I didn't listen to her when I should have. I learned that lesson;

My new motto when it comes to real estate is My new motto when it comes to real estate is "What would Desiree do?" I would definitely

recommend her services to friends. -Jason Baker, 12/7/2015

What People Say.