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 community’s 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

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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

om

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Possession

Loan ApplicationVerify Employment

Credit ReportVerify Funds

AppraisalLoan Approval

BuyerSeller

Title ExamSurvey

Owner’s 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 Buyer’s Agent

Working with a Buyer’s Agent

How Much Home Can You Afford?

Financing Your Home

Pre-approval from Westfi eld Bank

Estimated Buyer’s 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 didn’t you buy?

Are you looking at homes with any other Realtors?

Have you ever bought a home before?

Family’s 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?

Buyer’s 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

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ADDRESS STYLE SIZE BUILT LOT BR BA GAR

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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

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ADDRESS STYLE SIZE BUILT LOT BR BA GAR

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We are pleased you have selected Cutler Real Estate to help you with your real estate needs. Whether you are selling, buying or leasing real estate, Cutler Real Estate can provide you with expertise and assistance. Because this may be the largest financial transaction you will enter into, it is important to understand the role of the agents and brokers with whom you are working. Below is some information that explains the various services agents can offer and their options for working with you.

For more information on agency law in Ohio you can also contact the Ohio Division of Real Estate & Professional Licensing at (614) 466-4100, or on their website www.com.state.oh.us.

REPRESENTING SELLERSMost sellers of real estate choose to list their home for sale with a real estate brokerage. When they do so, they sign a listing agreement that authorizes the brokerage and the listing agent to represent their interests. As the seller’s agent, the brokerage and listing agent must: follow the seller’s lawful instructions, be loyal to the seller, promote the seller’s best interests, disclose material facts to the seller, maintain confidential information, act with reasonable skill and care, and account for any money they handle in the transaction. In rare circumstances, a listing broker may offer “subagency” to other brokerages which would also represent the seller’s interest and owe the seller these same duties.

REPRESENTING BUYERSWhen purchasing real estate, buyers usually choose to work with a real estate agent as well. Often the buyers want to be represented in the transaction. This is referred to as buyer’s agency. A brokerage and agent that agree to represent a buyer’s interest in a transaction must: follow the buyer’s lawful instructions, be loyal to the buyer, promote the buyer’s best interests, disclose material facts to the buyer, maintain confidential information, and account for any money they handle in the transaction.

DUAL AGENCYOccasionally the same agent and brokerage who represents the seller also represents the buyer. This is referred to as a dual agency. When a brokerage and its agents become “dual agents,” they must maintain a neutral position in the transaction. They may not advocate the position of one client over the best interests of the other client, or disclose any confidential information to the other party without written consent.

WORKING WITH CUTLER REAL ESTATECutler Real Estate does offer representation to both buyers and sellers. Therefore the potential exists for one agent to represent a buyer who wishes to purchase property listed with another agent in our company. If this occurs each agent will represent their own client, but Cutler Real Estate and its managers will act as a dual agent.

CONSUMER GUIDE TO AGENCY RELATIONSHIPS

This means the brokerage and its managers will maintain a neutral position and not take any actions that will favor one side over the other. Cutler Real Estate will still supervise both agents to assure that their respective clients are being fully represented and will protect the parties’ confidential information.

In the event that both the buyer and seller are represented by the same agent, that agent and Cutler Real Estate will act as dual agents but only if both parties agree. As dual agents they will treat both parties honestly, prepare and present offers at the direction of the parties, and help the parties fulfill the terms of any contract. They will not, however, disclose any confidential information that would place one party at an advantage over the other or advocate or negotiate to the detriment of either party.

If dual agency occurs you will be asked to consent to it in writing. If you do not agree to your agent acting as a dual agent, you can ask that another agent in our company be assigned to represent you or you can seek representation from another brokerage.

As a buyer, you may choose to work with a listing agent on a property listed with Cutler Real Estate. Provided that you have not already been working with this agent or working with any other agent under an Exclusive Agency Agreement, then you may choose to represent yourself. In that instance Cutler Real Estate will represent the seller and you would represent your own best interests. Because the listing agent has a duty of full disclosure to the seller, you should not share any information with the listing agent that you would not want the seller to know.

WORKING WITH OTHER BROKERAGESWhen Cutler Real Estate lists property for sale it also cooperates with, and offers compensation to, other brokerages that represent buyers. Cutler Real Estate does reserve the right, in some instances, to vary the compensation it offers to other brokerages. As a seller, you should understand that just because Cutler Real Estate shares a fee with a brokerage representing the buyer, it does not mean that you will be represented by that brokerage. Instead that company will be looking out for the buyer and Cutler Real Estate will be representing your interests. When acting as a buyer’s agent, Cutler Real Estate also accepts compensation offered by the listing broker. If the property is not listed with any broker, or the listing broker does not offer compensation, we will attempt to negotiate for a seller-paid fee.

FAIR HOUSING STATEMENTIt is illegal, pursuant to the Ohio Fair Housing Law, Division (H) of Section 4112.02 of the Revised Code and the Fed-eral Fair Housing Law, 42 U.S.C.A. 3601, as amended, to refuse to sell, transfer, assign, rent, lease, sublease or finance housing accommodations, refuse to negotiate for the sale or rental of housing accommodations, or otherwise deny or make unavailable housing accommodations because of race, color, religion, sex, familial status as defined in Section 4112.01 of the Revised Code, ancestry, military status as defined in that section, disability as defined in that section, or national origin or to so discriminate in advertising the sale or rental of housing, in the financing of housing, or in the provision of real estate brokerage services. It is also illegal, for profit, to induce or attempt to induce a person to sell or rent a dwelling by representations regarding the entry into the neighborhood of a person or persons belonging to one of the protected classes.

Please note: We hope you find this information to be helpful to you as you begin your real estate transaction. When you are ready to enter into a transaction, you will be given an Agency Disclosure Statement that specifically identifies the role of the agents and brokerages. Please ask questions if there is anything you do not understand.

Because it is important that you have this information, Ohio law requires that we ask you to sign below, acknowledging receipt of this Consumer Guide. Your signature will not obligate you to work with our company if you do not choose to do so.

NAME (PLEASE PRINT) NAME (PLEASE PRINT)

SIGNATURE DATE SIGNATURE DATE

1016-0208

Working with a Buyer’s Agent

Unlike a seller’s agent, or a dual agent, a buyer’s agent has total loyalty to the home buyer and will:

Listen to the home buyer’s needs, wants and desires and stay withinthe scope of delegated authoritySolely represent the home buyer’s interest in any and all negotiations and transactions involved in the home purchase processFully disclose all information about the transaction that might affectthe home buyer’s best interestActively work to reduce the fi nal price of the homeKeep home buyer’s confi dences even after the agency relationship ends

Advantages of Working with a Buyer’s Agent

Services Provided Seller’sAgent

Buyer’sAgent

Facilitate Property Showings

Explains Homebuying Process

Facilitates Closing Process

Prepares a Comparative Market Analysis

Keeps Your Financial Situation Confi dential

Negotiates the Best Price on Your Behalf

Negotiates the Best Terms on Your Behalf

Discloses Adverse Factors Relating to Homes Viewed

Relays Information that Would Enhance Your Buying Position

Maintains Personal Confi dentiality

Researches Seller and Property

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Negotiation

As your negotiator, I will be working hard to help you achieve the goals you have set in the sale of your home in the following ways:

Answering ObjectionsAs part of the negotiating process, many buyers have initial objections regarding a home. It is my job to provide them with the information they need to overcome that objection and decide to purchase your home. All Cutler Realtors are trained in the “Consultative Sales Process” which helps them provide information to overcome buyer’s objections quickly.

Asking the Customer to BuyAs part of the Consultative Sales Process, we’re trained to recognize the signals that buyers exhibit enabling us to help the buyer decide to purchase your home quicker, resulting in a faster sale.

Negotiating the SaleAs your negotiator, I will provide you with all of the information on the buyer, their fi nancing and all other contingencies involved with the offer necessary to make an informed decision. This will enable you to accept the offer or formulate an acceptable counteroffer to the buyer.

Purchase AgreementThe purchase agreement is an integral part of the sales process governing the closing process. While there are many different purchase agreement documents in use by different brokerages, as your negotiator, I will explain each part of the agreement in detail, so you will understand the entire closing process.

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FinancingYour Home

Finan

cing

Your H

om

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Financing Options

Let our mortgage specialists show you how we are more than just a loan offi cer - we are your personal Mortgage Loan Originators.

Request a consultation. Let’s discuss your fi nancing needs and mortgage options for buying a new home.

Why should you look to us for all your home financing needs?We believe in earning the loyalty of you, our customers. We are committed to customer satisfaction and our goal is to earn your repeat business through exceptional service.

One of our strengths is our professional staff. They are knowledgeable employees that are committed to helping you obtain your home fi nancing goals.

We offer a wide range of products and services to meet your individual needs.

We are a local company who understands your needs and the area in which you live.

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Documents Needed to...Apply for a Mortgage

Two years W2’s and one month of pay stubs

Two years federal tax returns and (Year-To-Date Profi t and Loss Statementif you are self-employed)

Two months of bank statements for each bank, mutual fund, and/or investment account

If you own rental property, provide two years tax returns

A copy of your divorce decree if applicable

If you are not a citizen, provide a copy of the front and back of your green card

A copy of your Homeowners Insurance Declarations Page (for refi nancing)

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Pre-Qualification vs. Pre-Approval

Pre-QualificationA lender can normally pre-qualify you for a mortgage in a short 15-20 minute phone call. By getting pre-qualifi ed for a mortgage, you will have an idea of the estimated monthly payment and a price range to shop based on the loan size. This information is a guide for you in the home buying process and does not guarantee mortgage approval.

Pre-ApprovalBeing pre-approved for a mortgage may afford you more leverage in negoti-ating the purchase of a home. Mortgage pre-approval requires completing a formal application to the lender, and submission of all the necessary fi nancial and employment documentation. This information will then be thoroughly evaluated and verifi ed by the lender’s underwriters. With fi nal approval, you will be cleared for a loan of a determined amount.

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The Mortgage Process

Complete loan application and submit to lender

Lender provides a good faith estimate of closing costsand truth in lending disclosures

Lender verifi es fi nancial, employment information

Lender orders home appraisal

Lender evaluates loan application

Lender approves loan and issues letter of commitment

Closing is scheduled

Closing is held, all loan documents are signedand the loan is funded

Lender disburses funds to the settlement or closing agent

Documents are recorded at the county offi ce of records

Seller is paid and the home title is transferred to you

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buyer's closing cost estimate.indd 10/091008-1009

BUYER’S CLOSING COST ESTIMATE

DATE: _____________________________________________________________DATE: _____________________________________________________________DATE: ____________________________________________________________ ____ ____

NAME OF BUYER ___________________________________________________ NAME OF BUYER ___________________________________________________ NAME OF BUYER __________________________________________________ ADDRESS OF PROPERTY _____________________________________________ ADDRESS OF PROPERTY _____________________________________________ ADDRESS OF PROPERTY ____________________________________________

BASED ON SALE PRICE OF $__________________________________________ BASED ON SALE PRICE OF $__________________________________________ BASED ON SALE PRICE OF $__________________________________________

1. Balance of Down Payment.....................................................................................$___________ 2. First Month's Interest Payment.............................................................................$___________ 3. Homeowners Insurance Policy .............................................................................$___________ 4. Flood Plain Certifi cation ($19.00)........................................................................$___________ 5. Brokerage Fee (including $225) ............................................................................$___________ 6. General Home Inspection ($250.00–$300.00) ................................................$___________ 7. Septic System Inspection - w/ dye test ($90.00–$180.00) ............................$___________ 8. Well Water Coliform and Flow Test Inspection ($130.00–$180.00) ...........$___________ 9. Radon Test ($200.00) ..............................................................................................$___________10. Wood Destroying Insect Inspection ($55.00–$75.00) ...................................$___________11. Other..........................................................................................................................$___________

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12. Owners Policy/Simultaneous Issue ($3.31 per $1,000 of sale price)...........$___________13. Simultaneous Issue Fee ($50.00) ..........................................................................$___________14. Commitment Fee ($25.00) ....................................................................................$___________ 15. EPA Endorsement ($75.00) ...................................................................................$___________16. Settlement or Closing Fee ($125.00–$250.00) ................................................$___________17. Location Survey ($140.00–$180.00)...................................................................$___________18. Recording ($170.00–$250.00) ..............................................................................$___________19. Survey Coverage ($100.00) ...................................................................................$___________20. Document Preparation ($75.00–$100.00).........................................................$___________21. Credits from Seller ..................................................................................................$___________

TOTAL ..............................................$___________

**

DISCLAIMER: Figures are approximate and not guaranteed.*Cost listed is 1/2 of the total expense.

Note: VA Loans: Seller can pay points, closing costs and prepaids up to four percent (4%).

Buyer can pay points and closing costs only. Multiple family dwellings must be owner-occupied. City code by local government regulations. Settlement or closing fee MUST be paid by Seller.

FHA Loans: Seller can pay points, closing costs, etc., BUT the total CANNOT exceed six percent (6%) City Code applies to multiple family dwellings only. Repairs can be paid by Buyer or Seller.

LOAN FEES: Due to the extreme variety of lenders and loan plans available, a Buyer is recom-mended to obtain a Good Faith Estimate from a lender prior to entering into a purchase con-tract. In lieu of this, a Buyer should anticipate expenses to range between $1,000 and $3,000 in addition to those expenses listed below................................................................$___________addition to those expenses listed below................................................................$___________addition to those expenses listed below................................................................$__________

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Finding Your Home

Find

ing

Your H

om

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Finding Your Home

Property SearchI will provide information and develop a strategy to insure that you are effectively offered the opportunity to view and evaluate as many relevant properties as possible. This strategy will include Unrepresented Sellers, Foreclosure Opportunities and the Multiple Listing Service (MLS).

Property ShowingI will show you the properties that meet the criteria you have selected.

Property Evaluation/DisclosureI will give you my expert opinion and advice on each property viewed and disclose any defects known to me including any information that might affect your purchase decision.

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Factors Affecting...the Price of a Home

Asking PriceThe asking price is generally the number one consideration when beginning a home search. Depending upon market conditions, it is the starting point from which to negotiate the actual price of a home. The actual market value is determined by what a buyer is willing to pay.

Property LocationThe second most important factor in the buyer’s mind is location. The proximity to area amenities and schools is typically a concern. In addition, street traffic, proximity to expressways and public transportation are considerations.

Property ConditionThe structural and mechanical integrity, as well as the upkeep and cosmetic appeal of a property affect a home price. Neutral décor, including floor and wall covering, appliances and fixtures, offers the broadest appeal to potential buyers.

Market ConditionsInterest rates, competition from other properties, the economy and consumer confidence all influence the sale of a home. Each of these factors plays an important role in the ultimate purchase price of a home. An offer to purchase must be tailored in response to market conditions.

Contract TermsThe terms of a purchase can make or break the contract. House sale contingencies, closing dates, and inclusions of accessories or fixtures should be handled clearly and up front in order to avoid any confusion that could affect the purchase.

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Making the Offer

Offer PreparationI will prepare a written offer on the property you choose to purchase and include the terms approved by you.

Offer PresentationI will present your purchase offer directly to the seller in the presence of the listing Realtor (if allowable).

Negotiating the Contract

Contract Negotiation - From Offer to Execution

I will discuss and review the best negotiation strategy in order to acquire the property of your choice. I will:

Present your purchase offer and diligently promote your interestsNegotiate the best price and terms on your behalfReport to you promptly on counter-proposals or counter-offers andadvise you on the next stepsAdvise you of all appropriate contract changes/additions for yourfi nal written execution of the contract

To protect your interests, and maintain the strongest negotiating position it is recommended you do not discuss the following information with potential sellers or other real estate agents:

Reasons for purchasing a homeUrgency to purchase a homeMaximum funds available to purchase a homeFinancing terms you would considerCorporate relocation timeframes and benefi tsAny personal confi dential information

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Closing the Transaction

Prepare for the ClosingI will track the progress of the sale and keep you informed every step of the way.

Final Walk-ThroughI will accompany you on your fi nal property walk-through prior to closing (if agreed to in the sale contract) and assist you with solving any problems that may be discovered.

Closing the TransactionI will work with you and all of the involved parties to ensure that the required and appropriate information is available - facilitating a smooth closing.

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Title One Agency, Inc.

Title ServicesTitle One Agency, Inc., an affi liated company of Cutler Real Estate was established in 1985. Title One is a chartered title company which was formed to provide full title services to the customers of Cutler Real Estate, and also to customers of Westfi eld Bank who do not have an existing relationship with a local attorney or title company.

The services of Title One, when used in conjunction with Westfi eld Bank and/or the real estate company, can greatly reduce the processing time of sales and/or mortgages. In addition to title services, Attorney Jay L. Cutler and Attorney Robert Campbell provide in-house legal consultation on matters pertaining to real estate for the Realtors of Cutler Real Estate.

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DotLoop> > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > >

Is My eSignature Legal?Federal and state laws provide that electronic signatures - like those used by DotLoop - are uniformly to the same extent as traditional written signatures. For more information please visit www.ftc.gov.

What is DotLoop?A transaction hub that connects people and documents. DotLoop allows real estate buyers and sellers to review, electronically sign and store their transaction in the most effi cient way.

Why Use DotLoop?

Time Savings: Save as much as 10 hours per transaction byeliminating the need to print, fax, scan and deliver documents.

Convenience: Access the transaction at anytime, anywhere withinternet access!

Security: Add a level of security to one of the most importanttransactions of your life.

How Do I Review & Sign?1. Open the email you receive from your agent and click “View document” button. 2. Review document by scrolling through, or click “Go to fi rst fi eld” to start signing. 3. Click the pink signature/initial fi elds and confi rm signature by clicking “Confi rm and sign” on pop up box. 4. Go to next signature/initial fi eld, if applicable, and fi nally click “Confi rm Signing” when all fi elds are completed. 5. Establish password to create DotLoop account for ease of signing and access to future documents. 6. You will then see your DotLoop account.

Warranty Benefits

Whether you are selling or buying, HSA Home Warranty protection is one of the most important features of your home. Through the use of the Home Protection Plan ad-ministered by Home Security of America, Inc., you are provided with confi dence that protection has been pro-vided against the cost of repairing or replacing mechanical and structural systems in the home which fail due to normal wear and tear.

As a Buyer:You’re prepared for the unexpected. The cost of repairing or replacing appliances and systems in your home can be budget breaking, especially when you’ve just purchased a new home. You know they can’t last forever, so you need to plan ahead.

You save yourself time and keep it simple. An HSA Home Warranty provides the convenience of one source for most repair needs. Prompt, reliable service is available 24 hours a day, 7 days a week.

You’re protected year after year. An HSA Home Warranty is renewable annually, so you’re always prepared for the unexpected.

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Insurance Services

Maconachy Stradley Insurance AgencyOffering high quality insurance plans that meet your unique needs.

Of all the things you have to do when buying a new home the thing that many buyers take for granted is buying insurance. Insuring your new home should be more than a casual act. You need a professional to thoroughly analyze your insurance needs and present a package that will protect your interests.

Maconachy Stradley Insurance Agency is an independent insurance agency representing numerous companies including Cincinnati Insurance Company, Motorists Mutual, Auto Owners, Indiana, Progressive/Drive Insurance and American Physicians Assurance Corporation. This allows them to competitively quote a wide range of products to fi t each customer’s individual needs.

Maconachy Stradley is a full service agency with a full line of Property and Casualty insurance. Maconachy Stradley Insurance Agency, Cutler Real Estate, Westfi eld Bank and Title One Agency, Inc. are members of the “Cutler Family of Companies” joined together to provide you all the benefi ts of “one stop shopping”.

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Relocation

Our partnership with Leading Real Estate Companies of the World is another unique service provided by Cutler Real Estate. Relocation is more than simply moving from here to there. At Cutler it implies arrival, settling into work, home, school and activities in a new community, as smoothly as possible. Our specialized team of relocation consultants has the knowledge, experience, and resources to help individuals and families handle the unique challenges of relocating.

As a stockholder of one of the nation’s top real estate services, Cutler is connected to more than 650 member fi rms and more than 4700 offi ces with 120,000 Realtors.

Our goal at Cutler Relocation puts the customer fi rst by delivering the highest standard of service. Through our Corporate Relocation Services, Cutler provides services tailored to meet the complex and growing needs of today’s corporations and their transferring employees. To fully assist in any and all relocation needs, corporate relocation will provide the following award winning services:

Counseling Prior to Arrival

Customized Relocation Package

School Report Information

Community Tours

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Rental Assistance (Long/Short Term)

Corporate Housing Assistance

Global referral assistance available to buyor sell real estate

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