YOUR GUIDE TOHOMEOWNERSHIP

Everythingyou need to know

about buyinga home.

A SoundInvesting in a home is one of the most important decisionsyou'll make. So much more than a roof over your head, yourhome is where life unfolds and memories are made, all whilebuilding a financial foundation for your future.

Deciding how you'll navigate your journey to homeownership isequally critical to the agent you work with. As someone who'sbeen in your spot before, I'm familiar with what's cycling throughyour mind, and as a real estate agent, I've mastered the ins andouts of the buying process. When you work with me, you'll benefitfrom my experience, and together we'll work toward makingsound, smart decisions for your future.

YOUR DREAM HOME

Your needs drive how and whenwe find your next home. From thisday forward, everything I do will bemotivated by your goals and howyou imagine your life taking placein your new home. Once I get anunderstanding of where you seeyourself, finding your dream homewill move quickly, and with minimalinterruption to your daily life.

Visualize yourdream scenario forbuying your home.

WHAT'S THE ONE THING THATHAS TO HAPPEN TO MAKE THATDREAM SCENARIO A REALITY?

How can I make thathappen for you?

Why is thatimportant to you?

IF WE COULD ADD JUST ONEMORE THING TO MAKE THISPROCESS EVEN BETTER, WHATWOULD IT BE?

Why is thatimportant to you?Your

NeedsCome

YOUR PREFERENCES

The what, the when,the how - let's talkabout the best wayto get in touch.

Build YourWHAT IS YOUR FAVORITEWAY TO RECEIVE INFORMATIONOR UPDATES?

Select all that applyProfile

EmailCallText

The BasicsWHAT IS THE BEST TIMETO REACH YOU?

Select all that apply

Have you considered whomy main contact will be?

What timeline would youlike to strive for?

Have you looked into gettingpre-approved for a home loan?

Have you thought about the pricerange you'd be comfortable with?

If I found a home today thatchecked all of your boxes, couldyou see yourself making a movesooner rather than later?

MorningNoonAfternoonEveningAnytime

AS UPDATES ARISE,HOW OFTEN DO YOUPREFER TO BE NOTIFIED?

ASAPIn a few hoursThat dayEvery few days

YOUR PREFERENCES

HomeListWish

TO BEGIN Are there any specific featuresthat would make your next housefeel instantly like home?

Will you require accessibilityoptions?

Who will be living in this home?Let's list adults, children, andpets that will inhabit the space.

What are the non-negotiables foryour home?

If you had to name your top fivenon-negotiables, what wouldthey be?

Beyond your top five needs, whatis something you really want?

Do you have a preference for theyear the house was built?

Do you want a house in move-incondition or are you willing to dosome work on it?

When people visit your home,what do you want it to sayabout you?

YOUR PREFERENCES

HomeListWish

EXTERIOR

What type of home are you lookingfor (e.g., single-family, condo, townhouse, etc.)?

Approximately what squarefootage would adequately coveryour living space?

How many stories do you prefer?

What lot size are you looking for?

What architectural styles are youdrawn to?

What type of exterior siding appealsto you?

Do you want a porch, deck, or both?

What are you looking for in terms of agarage [e.g., attached, carport, etc.]?

What type of driveway or vehicleentrance/exit will you require?

Do you want a swimming pool ora hot tub?

Are you looking for any structuressuch as a greenhouse or shed?

Do you need special outdoorarrangements for pets? [e.g., a dogrun, fenced-in yard, etc.]

What other exterior features areimportant to you?

YOUR PREFERENCES

BEDROOMS

How many bedrooms doyou need?

How will each of those roomsbe used?

What are your preferences forthe master bedroom?

HomeListWish

KITCHEN

What are your generalpreferences for the kitchen?

What features must your kitchenhave (e.g., breakfast nook, typesof appliances, etc.)?

What finishes do you like(e.g., countertops, flooring,cupboards, sink, appliances, etc.)?

Will your kitchen need toaccommodate anything withcustom measurements (beveragecooler, island, farmhouse sink,butcher block countertop)?

INTERIORWhat style do you envision forthe interior of your home?(e.g., formal, casual, cozy,traditional, minimalist, modern,etc.)?

What kind of floor plan do youprefer (e.g., open vs. walls ordivided living spaces)?

In general, what are yourpreferences for the interior?

BATHROOMS

How many bathrooms doyou need?

What are your needs for eachof the bathrooms?

Will any bathroom need to servea specific purpose (powderroom, swimming pool access,fit for small children, accessibilityspecifications)?

YOUR PREFERENCES

HomeListWish

DINING ROOMLIVING ROOM/FAMILY ROOM

What are your generalpreferences for your living andfamily room(s)?

What size room(s) do you havein mind?

Do you prefer your living andfamily room(s) to be separate andintended for different purposes?

Do you want a fireplace?

What other living areas are youlooking for? (e.g., playroom forchildren, studio, mud room)

What else do you see forliving areas?

Would you like the diningroom to be part of the kitchenconfiguration?

What about the living room - howshould it be situated with regardto the dining room?

What size dining room table doyou have? Is there other diningroom furniture I should take intoaccount?

YOUR PREFERENCES

YourNeighborhood

MAKE MY WEBSITEYOUR HOMEBASE

What neighborhoods or areas would you enjoy living in?

Are there any specific streets or characteristics in theseneighborhoods you're drawn to?

If applicable, what school districts do you prefer?

Where do you work?

Where are your favorite places to shop? What otherconveniences would you like nearby?

What do you like to do for fun? Are there any recreationalfacilities that you enjoy?

Any other considerations I should be aware of as we findyour ideal neighborhood?

My hyper-filtered searchnow extends nationwide,beyond the bounds oftraditional MLS.With layers of optionsnever experiencedbefore, my websiteallows you to search byneighborhood and schooldistrict, revealing thedetails that matter most.Save searches, favoritehomes, and collaborate.Get notificationswhenever a good fitbecomes available, evenwhen on the go.

YOUR NEIGHBORHOOD

MapMove

When is the besttime to buy?There's only one right answer:When you find a home that you love.

Inventory and economy will wax andwane, but when you find a house youcan see yourself in, the timing is justright. Below, take a comparative look atneighborhoods with inventory that fitsyour preferences.

BUYING 101

Buyinga Home Works

FIND YOUR NEW HOME

PARTNER WITH AN AGENT

1 3Absorb their local insight

Get to know neighborhoodinventory levels

See what's about to hitthe market

Gain access tooff-market properties

Review market averages

Complete needs assessment

Compare home and neighborhoodaverages, then narrow down theneighborhoods you want to live in

Favorite homes and save themto collections

Nix homes that don'tmeet the mark

Schedule home tours and plan anitinerary with your agent

Decide on your dream home

GET PRE-APPROVED FOR A LOAN

2MAKE YOUR OFFERAND NEGOTIATE THE TERMS

4Understand what youcan afford

Determine your monthlymortgage payment

Understand your debt ratio

Prepare for escrow

Obtain a pre-approval letter

Review contract terms andtime limit for offer

Negotiate purchase price

Choose a title company

Shop home insurance options

Prepare for down payment,earnest money

Choose a target closing date

Sign the offer

Deliver escrow check

Stay in close contactwith your agent

BUYING 101

Set up your utilities to be activatedor transferred

Confirm that all contingenciesare resolved

Schedule the final propertywalk-through

Designate a safe, dedicated space tosave your final paperwork

Stay in close contact with your agent,lender, and title company

BuyingWorksa Home

UNDER CONTRACT5Secure a home loan

Acquire home insurance and sendproof to your lender. Keller Coveredstreamlines finding the best insuranceto fit your needs

Request a list of what conveys withthe property

Schedule home inspection andnegotiate repairs

Order an appraisal

Acquire a property disclosure fromthe seller

Neutralize any contingencies.

*more details to follow

CLOSING DAY:WHAT TO BRING

7

Connect with your lender to wire downpayment funds. You'll need to cover thecost of closing and the down payment.Bring a printed confirmation of yourwire transfer

Government-issued photo ID(s)

Social Security numbers

Home addresses from thelast 10 years

Proof of homeowner's insurance

Your copy of the contract

Your checkbook

[inputany contingencies that may bespecific to your area]

Conduct a title search

Choose your title company

Schedule your closing

Solidify both contract effective date andallowable move-in dates

Certify funds for closing

Stay in close contact with your agent,lender, and title company

CLOSING DAY8Sign closing disclosure, promissorynote, and all other documentation

Title transfer

Deed delivery

Save your paperwork in yourpre-designated spot

Get your keys - congrats, it's all yours!

BEFORE YOU CLOSE6Transfer funds for closing

Reserve a moving company and set amoving date

Change your address through USPS,your bank, and other instances with yourStay in touch

agent for current or futurerecommendations in regardto your new home.

AT YOUR SERVICE

Home Loans

Integrated with KW technology, Keller Mortgage makes for a swift, simplifiedexperience that expedites the process so you can move into your newhome, faster. Available exclusively through KW agents like me, you'll enjoyunprecedented savings on time and money.

The ZeroPlus LoanThe Pre-Approval,Perfected

Keller Mortgage exclusive

Eliminate signing and lender fees

Shave off up to $1,000 fromthird-party costs

Enjoy super-low interest rates

1Apply directly and digitally

Simplify and expedite the process

1 22 3

4

The Bottom LineWorking with a Keller Williams agentlike me has its perks. Whether thisis your first time securing a homeloan, or it's your 15th and you'reready for a better alternative, lookto Keller Mortgage for a modern-day mortgage solution.

Keller Mortgage operatesin 49 states. Not currentlyavailable in New York.

MY PROMISE

TrustedPartnerFrom the day you partner with me, and even past the day youstep foot in your new home, consider me your dedicated realestate adviser. Whatever you need, I have the resources andexpertise to guide your decisions. Throughout your transaction,you can come to me for both the little things and the importantsteps, like comprehensive home insurance and competitivefinancing - I have the inside edge on both. After your purchase,ask me to recommend fully-vetted service specialists or abouthow you can care for your home. Further down the road,should you ever want to sell, I'll be your trusted point person.You'll always have my number, and I'll always be ready tospring into action; just say the word!

MY PROMISE

Promiseto

To consistently and clearlycommunicate with you in themanner and frequency thatyou prefer

To treat you and your family withstraightforwardness, integrity, andrespect at all times

To answer your questions, easeyour concerns, reduce your stress,and expertly handle the entire realestate transaction

To hold myself accountable tofinding the perfect home for you -after all, that is what my businessis built onTo serve the community as a

leader in the real estate industryand as a friend and neighbor

To always do the right thing, evenif it isn't what is easiest

To take care of your needs at thehighest level through unparalleledprofessionalism and attention todetail. No request is too small

To serve as a trusted local expertand adviser by your side

MY PROMISE

Promiseto theCommunityWE LIVE HERE, WE GIVE HERE

RED DAY

RED Day, which stands for Renew, Energize and Donate,is our annual day of service. Each year on the second Thursdayof May, we celebrate RED Day as a part of our legacy worthleaving. Making a difference in the lives of others and betteringthe communities that we serve lies at the heart of theKeller Williams culture.

ENRICHING OUR COMMUNITY

Habitat for Humanity in [city name] embodies a value close tomy heart: HOME. It's where the heart is and the more people whohave a home, the more our community can thrive. Each year,I join forces with other like-minded folks and contribute what Ican to ensure a strong future for the residents of our town.

YOUR COMMUNITY SERVICE

Habitat for Humanity in [city name] embodies a value close tomy heart: HOME. It's where the heart is and the more people whohave a home, the more our community can thrive. Each year, Ijoin forces with other like-minded folks and contribute what I canto ensure a strong future for the residents of our town.

MY PROMISE

Real estate is complicated.

That's where I come in.

At the closing table, my goal is for youto feel that the purchase of your homeexceeded all of your expectations, sothroughout our interactions - fromsearch to close - I'll work hard toachieve that goal.

When you choose me as your partner,you are not just getting a trusted,respected agent - you are getting alocal expert who is passionate aboutserving our community and those whocall it home.

Let's get started.

The

Line

GLOSSARY

CLOSING DISCLOSURE

A document that provides an itemizedlisting of the funds that were paid ordisbursed at closing.

CommonlyUsed Terms

DEED

The legal document conveying title toa property.ANNUAL HOUSEHOLD INCOME

Collective income from everyone inyour household before taxes or otherdeductions are taken, investment incomeor dividends, Social Security benefits,alimony, and retirement fund withdrawals.

DOWN PAYMENT

A cash payment of a percentageof the sales price of the home thatbuyers pay at closing. Differentlenders and loan programs requirevarious down payment amounts suchas 3 percent, 5 percent, or 20 percentof the purchase price.

APR

APR refers to the annual percentagerate, which is the interest rate you'll payexpressed as a yearly rate averaged overthe full term of the loan. APR includeslender fees in the rate, so it's usually higherthan your mortgage interest rate.

EARNEST MONEY DEPOSIT

Also known as an escrow deposit,earnest money is a dollar amountbuyers put into an escrow accountafter a seller accepts their offer.Buyers do this to show the sellerthat they're entering a real estatetransaction in good faith.

APPRAISAL

A written justification of the price paid for aproperty, primarily based on an analysis ofcomparable sales of similar homes nearby.

ENCUMBRANCEAPPRAISED VALUE Anything that affects or limits the

fee simple title to a property, suchas mortgages, leases, easements,or restrictions.

An opinion of a property's fair market value,based on an appraiser's knowledge,experience, and analysis of the property.Since an appraisal is based primarily oncomparable sales, and the most recentsale is the one on the property in question,the appraisal usually comes out at thepurchase price.

EQUITY

A homeowner's financial interest ina property. Equity is the differencebetween the fair market value of theproperty and the amount still owed onits mortgage and other liens.CLOSING COSTS

Generally 2 to 5 percent of the purchaseprice include lender fees, recording fees,transfer taxes, third-party fees such as titleinsurance, and prepaids and escrows suchas homeowner's insurance, property taxes,and HOA fees.

ESCROW

Putting something of value, like adeed or money, in the custody ofa neutral third party until certainconditions are met.

GLOSSARY

MORTGAGEHOMEOWNERS ASSOCIATION FEE (HOA)A loan from a bank, credit union, orother financial institution that relieson real estate for collateral. The bankprovides money to buy the property,and the borrower agrees to monthlypayments until the loan is fully repaid.

A fee required when you buy a homelocated within a community with an HOAthat typically pays for maintenance andimprovements of common areas and mayinclude the use of amenities.

HOMEOWNER'S INSURANCEMORTGAGE INSURANCE

Insurance that provides you with propertyand liability protection for your propertyand family from damages from a naturaldisaster or accident. Lenders usuallyrequire borrowers to buyhomeowner's insurance.

Insurance that protects the lenderand repays part of the loan if theborrower defaults and the loan can'tbe fully repaid by a foreclosure sale.Usually required on loans with lessthan a 20 percent down payment.

HOME WARRANTYPROPERTY TAXES

A contract between a homeowner and ahome warranty company that provides fordiscounted repair and replacement serviceon a home's major components, such asthe furnace, air conditioning, plumbing,and electrical systems.

Typically imposed by localgovernments on real propertyincluding residential real estate. Thetax rate can change annually, andthe assessed value of your property isusually recalculated annually.

LENDER FEESPREPAIDS

Part of the closing costs of a homepurchase and may include an applicationfee, attorney fees, and recording fees. Thelender's underwriting or origination fee isusually 1 percent of the loan amount.

Prepaids are expenses paid atthe closing for bills that are nottechnically due yet, such as propertytaxes, homeowner's insurance,mortgage insurance, and HOA fees.

LOAN TYPESTHIRD-PARTY FEES

Mortgages have different terms rangingfrom 10 to 30 years and are availablewith fixed or adjustable interest rates.Your lender can discuss down payment,insurance, credit requirements, and otherspecifics of various loan types.

Any closing costs charged bysomeone other than your lender,typically including fees for anappraisal, a property survey, a titlesearch, owner's and lender's titleinsurance, and sometimesan attorney.MONTHLY DEBT

The minimum payment on credit carddebt; auto, student, and personal loanpayments; and alimony or child support.Rent or mortgage for a property that youwill pay after your home purchase mustalso be included.