Spencer & Ehling

Present

HomebuyersHomebuyersHomebuyersHomebuyers’’’’

Guide BookletGuide BookletGuide BookletGuide Booklet

Welcome Home

Know that your happiness is our only

goal. There are few things in life more

important than your home.

We understand that a home is about

making memories and a place where

dreams come true. It’s about family,

friends and experiences you cherish. A

home is where life takes place.

Our part in this process is to help you

easily, quickly and safely reach the

next chapter of your life.

Your rights in this

Partnership

You have the right to:

� Expect prompt and caring service.

� All of the correct information, immediately.

� Find exactly what you want quickly and easily.

� Expect us to know everything about the home, the

neighborhood and your dreams.

� Expect us to guide you through every step of the process.

� The ultimate real estate experience.

We fully expect to honor your rights and because of that, our

journey will be mutually rewarding.

Experience

� 30 years combined experience

� Specializing in the Bay Area

Training

� Currently hold Broker’s License

� Hold designations including GRI and LTG

� Advanced Negotiation Training (full profile available on our website)

Professional Profile

Spencer & Ehling

Our Support Team is

Here for You

Our support team helps us

provide top-notch customer

service to clients. We also have

and online transaction

managements system that

allows you to access your

documents 24/7.

We’ll Maximize Our

Network for You

Drawing on the strength of the

personal and professional

network that we have built,

we will find the right home for

you and your family.

Buy Your Home

To help you navigate the way to purchasing the home of your dreams, we will:

� Explain the basic principles

of real estate

� Select and research properties

that meet your wants and needs

� Negotiate the purchase

� Coordinate inspection procedures

� Help close the transaction

How We Help You

We Can Help You

Buy Any Home

� Advertised in the newspaper or

on the Internet

� “For Sale By Owner”

� Found during an Open House

� Listed by another real estate

company

� New Home Community

Phases in the

Buying Process

� Financing

� The Purchase &

Sale Agreement

� Negotiations

� Escrow

How much house can you buy?

Financing

Prequalification vs. Preapproval

� Prequalifying for a mortgage helps

you determine how much home

you can afford.

� Prequalification doesn’t mean

approval for a loan.

� Preapproval means the lender has

approved your actual loan amount.

Preapproval puts you in a better negotiating position.

The First Step in Buying a Home

Financing

Down Payment

� Many lenders require 3.5

to 20 percent down payment

on your home

� 25 percent down or more

may qualify you for a

lower interest rate

We can help you locate a lender who will assist you in

finding a financing package that best meets your needs.

Go Beyond Search on

Windermere.com

Find Your Home on

Windermere.com

� View thousands of homes

throughout the West

� Preview homes for sale

� Learn about our company

� Get information to help you make

your buying and selling decisions.

Whether you’re just dreaming or ready to make a move, start

your home search on Windermere.com.

Go Beyond Search on

Windermere.com

You’ll find features such as:

� Photo Gallery

� Interactive map search

� myWindermere

� RSS Feeds

� Open House search

A Custom Search

Just for You

Create a myWindermere account to:

� Set up your own private username and password

� Create multiple custom searches

� Request automatic email notification of new listings

� Associate your account with us and we can

collaborate online to find your next home.

Windermere’s Exclusive

Photo Gallery

Photo Gallery is a multi-

media presentation tool that

allows you to quickly view a

property’s best features.

� Take a virtual tour of the

home anytime online.

� Access numerous high

quality photos featuring exterior and interior shots.

� PDF, Flash and video files may also be attached to the

Photo Gallery.

Representing

Luxury Home Buyers

Our Premier Properties™

program is specifically

designed to provide special

expertise to clients interested

in buying homes in some of our

most refined neighborhoods.

Whatever your needs, we have

the expertise to help the most

discriminating buyers find their

special home.

Coordinating

the Closing

The Leading Regional Real Estate Brand

in the West

Windermere at a glance

From REAL Trends 500 Report

� Established 1972

� Number of offices 336*

� Number of agents 8,273

� Total sales volume $31,860,630,014

From the REAL Trends 500 Report “The Largest Regional Brands in the Country,” May 2007.

*Franchise offices: 336 Total offices: 375

Windermere

Signature Collection

Our officeat a glance

� Established 2005

� Number of agents 15

� Total sales volume $80,599,707

Our Extended Family

With more than 8,000 sales

associates, Windermere is the

largest independent real estate

network in the West.

Windermere has one of the

region’s biggest selection of

qualified buyers and the most

homes available for sale.

Moving Out of the Area

Windermere’s Relocation network connects me to

knowledgeable agents worldwide. And since so much of

real estate is based on relationships, we are able to pull

together resources that will facilitate your relocation.

No matter where

you need to move,

we can place you in

good hands.

Windermere

Foundation

Helping Homeless Families

� Created in 1989

� Supports programs that help

homeless and low-income families

� Every time we complete a real estate

transaction, we make a donation to

the Foundation

� Our office supports our local community

through the Foundation

Windermere

Community Service Day

Dedicated to the Community

� One day each year, since 1984

� All Windermere associates take

off a day give back to the

communities in which we live

and work

� Hands-on assistance to

organizations in our community

� This year, our office spent the day helping a disabled

woman move from public housing to her own home!