Julie Ryder

Realtor, PMP

My MissionTo help you find the best house that fits your needs in the time frame you select with the least amount of stress and inconvenience as possible

CredentialsRealtor for 10 years

Project Management Professional (PMP) CertificationProject Management Professional (PMP) Certification

Master’s degree in Management

Bachelor’s degree in Psychology & Management

Wh t M C t A S iWh t M C t A S iWhat My Customers Are SayingWhat My Customers Are Saying

Mary Jane Zehnpfennig, MA OTR/L, Executive Director of Therapy in Action, and Real Estate Investor.

Some say never do business with friends, however, in this instance they are wrong, Julie is an outstanding business woman! Julie has brokered various commercial and residential properties for me. I am always impressed how efficiently Julie researches and manages her multiple projects. She may be tiny in stature, but she is a tough negotiator, who never alienates the opposing party. It is with utmost confidence that I recommend Julie. One caveat thought, if you find yourself playing Pictionary with her get on the other team. While Julie is drawing masterpieces, your opponents have already won the round.

Tim Fogle, Executive Director of The Mercy Center, and Real Estate Investor.

I have known Julie professionally for years, and her marketing abilities and people skills have benefited me more times than I can count. Her brochure designs and other marketing materials always catch the eyes of potential clients, and they have been instrumental in her and my success. She also has an amazing ability to work well with the broadest spectrum of people I have ever seen, making her an asset in any organization.

Buying a Home is a Complex ProcessBuying a Home is a Complex Process

Agency OptionsHow Much Home Can You Afford?

Working with a Buyer’s AgentFinding Your Home

Financing Your Home The Mortgage Process

Making the OfferDocuments Needed to Apply for a Mortgage

Negotiation to Contract Closing the TransactionNegotiation to Contract g

fi i i i i ifi i i i i iDefining Your Housing PrioritiesDefining Your Housing Priorities

I’ll help define your housing prioritiesI ll help define your housing priorities by discussing your specific needs, wants and desires. Then we’ll create an organized plan and timeline for your property search.timeline for your property search. My commitment to you is to deliver Premier Service.

A O iA O iAgency OptionsAgency Options

B ’ A tBuyer’s AgentA buyer’s agent represents you, the buyer, during the home buying process. The agent has a fiduciary responsibility to represent only the home buyer’s best interest in all aspects of the home buying transaction.

Seller’s AgentA seller’s agent represents the home seller. They may assist the buyer, but do not represent the buyer and must place the interest of the home seller first. The buyer should not tell the owner’s agent anything the buyer would not want the owner to know because an owner’s agent must disclose to the owner any material information known to the agent.

Transaction-Broker A Transaction-Broker assists the buyer or seller or both throughout a realA Transaction-Broker assists the buyer or seller, or both throughout a real estate transaction by performing the terms of a written agreement without being an agent or advocate for either party.

W ki ith B ' A tW ki ith B ' A tWorking with a Buyer's AgentWorking with a Buyer's Agent

Unlike a seller’s agent, or a transaction-broker, 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 within the scope of delegated authority

Solely represent the home buyer’s interest in any and all negotiationsSolely represent the home buyer s interest in any and all negotiations and transactions involved in the home purchase process

Fully disclose all information about the transaction that might affect the h b ’ b t i t thome buyer’s best interest

Actively work to reduce the final price of the house

Keep home buyer’s confidences even after the agency relationship ends

The Mortgage ProcessThe Mortgage Process

Complete loan applicationVerification of financial, employment informationHome appraisal orderedHome appraisal orderedGood faith estimate of closing costs and truth in lending disclosuresLoan application evaluationL l d l tt f it tLoan approval and letter of commitmentClosing is scheduledClosing is held, signing of documents and funding of loanDisbursement of funds by lenderSeller is paid and the home title is transferred to youDocuments are recorded at the county office of records

A fA fDocuments Needed to Apply for a MortgageDocuments Needed to Apply for a Mortgage

Two years of W2’s and one month of pay stubs (if you are salaried)Two years of tax returns and a Year-To-Date Profit and Loss yStatement (if you are self-employed)Three months of bank statements for each bank, mutual fund,

d/ i t t tand/or investment accountA current statement from your stock, retirement, and/or 401K statementIf t l t id t f t tIf you own rental property, provide two years of tax returns and current rental agreementsA copy of your divorce decree if applicableIf you are not a citizen provide a copy of the front and back ofIf you are not a citizen, provide a copy of the front and back of your green cardA copy of your Homeowners Insurance Declaration Page (for refinancing)refinancing)

Fi di Y HFi di Y HFinding Your HomeFinding 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.p p p

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.y

Aff i i fAff i i fFactors Affecting the Price of a HomeFactors Affecting the Price of a Home

Depending upon market conditions it is the starting point from which to negotiate the actual price of aDepending 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.

The 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, access to expressways and public transportation are considerations.

The 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 coverings, appliances and fixtures, offer the broadest appeal to buyers.

ff i i fff i i fFactors affecting the Price of a HomeFactors affecting the Price of a Home

Interest rates competition from other properties the economy and consumer confidence all influenceInterest 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.

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

M ki th OffM ki th OffMaking the OfferMaking 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 to the seller or the listing associate.

i i Ci i CNegotiation to ContractNegotiation to Contract

Present your purchase offer and diligently promote your interestsN ti t th b t i d t b h lf t h

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

Negotiate the best price and terms on your behalf, except when acting as a Transaction-Broker I will act assist both parties.Report to you promptly on counter-proposals or counter-offers and advise you on next steps.Advise you of all appropriate contract changes/additions for your final written execution of the contract

To protect your interests, and maintain the strongest negotiating position

Reasons for purchasing a home

you should discuss the following information with potential sellers or other real estate agents:

Urgency to purchase a homeMaximum funds available to purchase a homeFinancing terms you would considerCorporate relocation timeframes and benefitspAny personal confidential information

Cl i th T tiCl i th T tiClosing the TransactionClosing the Transaction

Prepare for the ClosingI will track the progress of the sale and keep you informed as to your needs and responsibilities every step of the way.

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

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 q pp p gsmooth closing.

C i iC i iChecklist For Your Family MoveChecklist For Your Family Move

Send Change of Address to: Post Office: give forwarding addressCharge accounts, credit cardsSubscriptions: notice requires several weeksSubscriptions: notice requires several weeksRelatives and friends

Don’t Forget: Bank: transfer funds arrange check-cashing in new cityBank: transfer funds, arrange check cashing in new cityInsurance: notify new location for coverage: life, health, fire, autoAutomobile registration: transfer of car title registration if necessary; also driver’s license, city windshield sticker, motor club membershipUtility companies: gas light water telephone perhaps fuel; get refund ofUtility companies: gas, light, water, telephone, perhaps fuel; get refund of deposits; arrange for immediate service in new locationRoute deliveries: laundry, newspaper, milk, diapers; changeover of servicesSchool records: ask for copies or transfer of children’s recordsMedical dental prescription histories: ask doctor and dentist for referralsMedical, dental, prescription histories: ask doctor and dentist for referrals, transfer needed prescriptions, eyeglasses, x-raysChurch, club, civic organizations: transfer memberships, get letter of introductionP t k b t l ti f li i tiPets: ask about regulations for licenses, vaccinations

f i ' Cf i ' CExample of Estimated Buyer's CostExample of Estimated Buyer's CostBuyer’s Closing Costs Costs

Lender’s Title Policy $125.00

Recording Fees $100.00

Tax & Homeowner’s Insurance Reserves TBD• Estimated Buyer’s Closing cost including, but not limited too.

Property Settlement Fee $225.00

Mortgage Insurance Premium TBD

Loan Origination fees approximately 1% of loan TBD

including, but not limited too.

•TBD‐To be determined

Loan Origination fees-approximately 1% of loan amount

TBD

Appraisal $350 to $400

Credit Reports $40-$60

•Actual costs will vary with each transaction

p $ $

Survey or ILC TBD

Loan Closing Fee $225.00

C $Real Estate Closing Fee $200.00

Courier Fee $25

Document Preparation Fee $100-$250

i i ii i iEstimated Monthly Payment will include:Estimated Monthly Payment will include:

Real Estate Agent

39%

Th P i S i C iTh P i S i C i

Thi it t hi h GMAC R l E t t

The Premier Service CommitmentThe Premier Service Commitment

This commitment, which GMAC Real Estate Realtors give to their customers, pledges to serve as their Trusted Advisor, Skilled Negotiator and Expert Facilitator®.By signing this pledge, I am giving you my personal commitment to:

Deliver a service experience based on your needs and wantsStay in touch with you and deliver the level of service you wantGive you access to services that canGive you access to services that can deliver value and relieve the stress of buying or selling a homeMake myself available to answer questions or concernsquestions or concernsMake it my highest priority to deliver the caring customer service you deserve

Th P i S i ® STh P i S i ® SThe Premier Service® SurveyThe Premier Service® Survey

Your opinion is important and your input isYour opinion is important and your input is valued! Through the Premier Service program you will be asked to complete a survey conducted by an independentresearch company The survey will enable usresearch company. The survey will enable us to document and track my performance and ensure a continued record of superior service that no other company can match.

M Mi iMy Mission

To help you find the best house that fits your needs in the time frame you select with theneeds in the time frame you select with the least amount of stress and inconvenience as possible

I’m readyI m readyto work for you!Julie Ryder

Realtor, PMP