THE BROWN PROPERTY GROUPTim: 404.671.4145 | Angel: 404.671.4115 | Broker 404.537.5200

YourHome@TheBrownPropertyGroup.comw w w . T h e B r o w n P r o p e r t y G r o u p . c o m

Your New Dream Home Is Just a Few Steps From Reality!

Custom New Homes brought to you by The Brown Property Group

While each of these processes is essential in it’s own right, moving forward with the steps in conjunction with one another will make the entire experience faster, and much more seamless.

The Brown Property Group has assembled an excellent team of professionals for each of the critical phases in getting you into your new home.

Our team will assist you in completing:1. Financing Approval. TBPG has several lenders to assist you in this critical component.2. Lot or location selection.3. The design of your home. Accomplished through the modification of a stock plan, or the design of your home by our architect.4. Builder contract. Putting all of the terms into a binding document.5. Loan closing. Whether a construction loan by the builder, or a construction/perm loan that you qualify for.6. Breaking ground on your new home! (Call the interior designer!)

The team members at TBPG, and the professionals we have assembled for you are dedicated to providing a high level of customer service, delivering a quality product that exceeds your expectations, and making this process as easy and uncomplicated as possible.

Building your dream home from the ground up is not an overly complicated process (and does not have to wreck marriages!) and The Brown Property Group wants to outline these steps for you.

The most critical overall step is to obtain financing for the project. This can come in a couple of different forms.

1. Traditionally the client would obtain an approval letter for permanent financing. This approval is much like your approval when buying a resale home. - In today’s “hot” market, it is essential to have financing approval. - In past markets, with liberal builder financing available, your builder / contractor could use this “take out letter” to obtain construction financing. - The loan for the construction was made directly to the builder, not you, the client.

2. Today a popular method of new construction financing is the “Construction to Perm” loan.

What is a Construction to Perm (C/P) loan? - A C/P loan is a mortgage loan designed for borrowers who finance the construction of a new home by a reputable builder. - Loan is made directly to you, not to the builder. - Construction loan rolls over to a permanent loan upon completion of construction. Features and Benefits of a C/P loan. - One time closing. Saves money by having to pay for only one set of closing costs. - Rate guarantee for the construction period... this is lender specific, and can range up to 9 months or a year. - Simultaneous approval for both construction and permanent financing... guaranteed permanent financing for the mortgage agreed upon at closing... choices among ARM or FIXED rate programs. - Interest only payments during construction phase. These are the essentials to a Construction to Perm loan. - A reputable builder. - A signed construction contract and lot contract if applicable. - Appraisal of plans and specifications. - Down payment at closing. This amount is lender specific and is defined by the “loan to value” or “loan to cost” ratios that a lending institution employs. Closing and After - Your loan closes with a title company or attorney. - The loan is booked at the bank. - A welcome package is sent to you and the builder. - The construction department administers draws for work completed. - Your home is completed and the loan rolls to the permanent financing option you agreed on at closing.

TBPG has several lenders that have an excellent track record in construction lending. Your lending officer will guide you through the approval process and advise you on the documentation necessary to obtain approval.

Financing: The Cornerstone Of Your New, Dream Home

You Have Ideas1. About how you want your home to live.2. About how many bedrooms, and baths you have to have.3. About the finishes and selections that will make your home uniquely “yours”

There Are A Couple Of Ways To Accomplish The DesignWe can work with our builder to procure, or modify a stock house plan.- Fast and economical.- There are a lot of very good plans available from the architectural and plan houses (Betz, Garrell, Fuller, etc).- This may be the way to accomplish the plan process by making only minor changes to the existing plan. (you want to change a pantry to a mud room...square off a circular stair and add a landing...change the dimensions of rooms slightly...)

We can work with our builder and architect partner to design your home literally from the ground up.- Costs a bit more, and requires a series of meetings to begin, perfect, and finalize the plan you want.

- You may have a lot of idea plans... love the elevation of one, and the first floor of another. We can take these ideas and combine them into a workable plan for you.- Along the way the architect will have design and construction input along with the builder comments... a team effort!

During The Design Process, We Will Discuss The Finishes In The Home.- You and the builder will make notes of every aspect of the construction finishes.... flooring, trim packages, exterior elevation materials... and the builder will begin to formulate costs associated with the finish schedule versus the standard offerings.- The builder will then be able to take the design and present the costs associated with the design.

Putting Your Dream Home “Dreams” Into Action: If financing is the cornerstone of the process, getting your home designed and to

contract — and ready to begin — is the foundation of the remainder of the process.

Executing the Contract There are several components to the contract itself.- The agreement itself.- The scope of work and the line item costs associated with the scope of work.- Any additional exhibits that you and the builder feel are necessary to complete the document.

The full document will consist of the following:- Fully executed construction contract.- Lot contract if applicable.- Plans and specs, either a copy of the stock plan modified, or the architectural design.

Closing!The fully executed document will then be sent to the lender that you have worked with to get your approval for financing.

The lender will order an appraisal of the final plans and specs, and provide the appraiser with the contract package.

Final down payment calculations will be made and the package will be sent to the closing partner we have and this phase of the process is now complete... you are ready to close and begin construction! TBPG Commitment To An Excellent ExperienceOur motto is “focused on Results”. This booklet is designed to showcase our total team approach to the new construction process. When you close on your loan to begin construction, you will have worked with a series of professionals who are, in turn, equally committed to producing a seamless home building process for you... the client.

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22' - 7"

12' - 3 1/2"

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PRELIMINARY FLOOR PLANS - NOT FOR CONSTRUCTION

Putting Your Dream Home “Dreams” Into Action (continued):

THE BROWN PROPERTY GROUPTim: 404.671.4145 | Angel: 404.671.4115 | Broker 404.537.5200

YourHome@TheBrownPropertyGroup.comw w w . T h e B r o w n P r o p e r t y G r o u p . c o m

Your Custom Home Construction Team

BUILDER PARTNER Rob AnagnostisAtlanta Signature Homes www.atlantasignaturehomes.com

ARCHITECT Michael P. LandryMichael P. Landry Associateswww.michaelplandry.com

LENDER PARTNERS Laura JoinesSuntrust Bank

Jim LewisCBC National Bank

CLOSING ATTORNEY PARTNERS Anna DoughertyWeissman, Curry, Nowack and Wilco

Leigh ClackNeel and Robinson

© 2012 BRER Affiliates Inc. An independently owned and operated broker member of BRER Affiliates, Inc. Prudential, the Prudential logo and the Rock symbol are registered service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license with no other affiliation with Prudential. Equal Housing Opportunity.