Prudential Americana's Platinum Elite Group Relocation & Real Estate Guide

Don Lainers Platinum Elite Group

Always Remember, we are never to busy to help you or any personal referral from good people like you! Thank you in advance for all your Business and Referrals!

7475 W. Sahara Ave. Suite 100 Las Vegas, NV 89117 Phone: (702) 869-9999 Fax: (702) 317-3424

RESIDENTIAL HIGH RISE OFFICE MULTI FAMILY COMMERCIAL INDUSTRIAL RETAIL LAND

Prudential Americana Group REALTORS

Welcome to our Family!

Dear Client:

It is our pleasure to welcome you into our family. We sincerely hope that you find your new home and |or investment comfortable and enjoyable. This welcome letter will provide important information for your Real Estate needs.

OUR COMMITMENT TO YOU!

Commitment, a word that is centered around pledging responsibility, being held accountable for what we say or do for someone else. It becomes the yardstick that we are measured by, leaving us under close scrutiny to see if we will live up to what we say.

At The Platinum Elite Group, we feel confident in our dedication to the industry. We strive to provide service that is responsive and professional. We commit our time and attention to your transaction, so that you can join that confidence too.

Each of us knows the importance of repeat and referral business. It occurs when you have had a successful and pleasant experience with us. We are committed to developing relationships, not just processing deals. We want to work with you to find out what is important to you, and keep communication flowing so that you are always aware of the circumstances concerning your transaction.

You are vital to us and our success. We pledge to never lose sight of that, or take the sharing of your successes with us for granted.

These statements are our commitment to you. No lofty promises of excellence to lure you first and disappoint you later ~~just an honest and sincere statement of service that we stand behind unconditionally.

Please peruse through our Welcome Packet and Read | Compare | Use any information that is useful to you in your current and future Real Estate needs.

We look forward to you coming home.

On Behalf of the Platinum Elite Group Team,

Thank you for choosing..






PrudentialAmericana Group REALTORS

DearInvestor:

ThankyouforchoosingDonLainersPlatinumEliteGroupforyourpropertymanagement,rentallistingandportfoliomanagementneeds.Wegreatlyappreciateyourtrustandwillattempttoprovideyouwiththehighestqualityofserviceavailable.

Justtosharewithyou,hereisabriefoverviewoftheservicesthatwewillprovidetoyou,andyourpotentialresident(s).

1. Wewillinitiallycollectinformationfromyouaboutyourinvestment,anddiscusswhatcriteriaitisthatyouwouldlikeadvertised.

2. WewilllistyourpropertyonMLSformaximumREALTOR exposure.3. Wewillthenattachalockboxsothatotherlicensedsalesagentscanshowtheproperty.Thisstepcanbe

modifiedifyourwishesaredifferent.4. Weprovidegeneraladvertisingforstudios,one,two,three,&fourbedroomapartment,homeandcommercial

lease/rentals.Alsoran,aregeneraladsinthelocalnewspapersandonline,consistentwithouravailabilityofpropertiesforlease,butnotspecifictoanyoneproperty.Foradsspecifictoyourproperty,wesuggestthatyouadditionallyadvertiseinanypreferredmediavenue,withtheoptionoflistingourcontactinformationforadditionalconvenience.

5. We,ofcourse,willadditionallyadvertise,showandgiveeveryefforttoselltheadvantagesofyourproperty.6. Ifrequested,wecancompleteacreditcheck,employmentverification,andrentalhistoryonanypotential

renter,andobtainyourapprovalbeforedecidingonatenant.7. WhereOwner/ClientManagementoccurs,wecanhelpfacilitatethecompletionofyourleaseagreementand

fillingoutanyapplicableHousingAuthoritypaperworkwhereapplicable.8. Wewillprovidetheresidentwiththenecessaryinformationtocontactforemergencyservices,etc.,aswellas

wheretosendordepositmonthlyrentpayments.Ourservicesareinvaluableandwearealwaysavailabletoprovideyouwiththehighestlevelofcustomerservicepossible.

OnBehalfofthePropertyManagementTeam,

Thankyouforchoosing..

DonLainersPlatinumEliteGroup

Phone: 702-869-9999 Fax: 702-317-3424

E-mail: [email protected]

7475 West Sahara Ave. Suite 100 Las Vegas, Nevada 89117

Tel: 702.869.9999

Web Site: PlatinumElite.com

Attention Realtors and Agent Minded

Applicants

Now Hiring You Deserve a Premier Career

With an Elite Group We are setting the Standard of EXCELLENCE and we are looking for Associates not willing to settle for anything less; HIRING ENTHUSIASTIC, self-disciplined, motivated, forward thinking individuals with entrepreneurial spirit capable of working in high end & large volume capacity. Its Time to start earning what youre worth. Always looking for outstanding individuals. Take a Look at our Award Winning Web Site or Contact one of us at: [email protected] or 702-869-9999

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Let Us Become Your REALTORS

For Life!

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7475 West Sahara Ave. Suite 100 Las Vegas, Nevada 89117

Phone: 702-869-9999 Fax: 702-317-3424

E-mail: [email protected]

Platinum Elite Group

j{x U|z tw fx|z x {x ct|X|xAv gxt We are dedicated to providing our clients with the best property, for the best price, while making the buying experience easy. Meet with one of our experienced realty con-sultants today and let us become your REALTOR for life!

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PlatinumElite.com is a division of Prudential Americana Group Realtors - One of the most trusted names in the real estate indus-try.

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PlatinumElite.com offers more real estate services than any other real estate company to ensure that you will sell your home or find the home of your dreams!

PlatinumElite.com has proven to be the #1 source for Real Estate success in Las Vegas. Our dedicated group of REALTORS are all members of the Greater Las Vegas Associa-tion of REALTORS and have developed a prominent reputation for credible relation-ships with their clients. Our clients then go on to purchase multiple properties, leading to growth in their real estate investment portfo-lios.

Call the professionals at PlatinumElite.com today at 869-9999 to schedule a no cost market analysis of your homes value. Knowing the value of your home is the first step to achieving your real estate goals!

Residential /New HomesResidential /New Homes

Bank Short Sale ListingsBank Short Sale Listings

HighHigh--Rise CondosRise Condos

Commercial / Retail / OfficeCommercial / Retail / Office

MultiMulti--FamilyFamily

Property ManagementProperty Management

Land Land

AuctionsAuctions

Investment PropertiesInvestment Properties

Luxury HomesLuxury Homes

Bank Foreclosures / REOBank Foreclosures / REO

Business OpportunitiesBusiness Opportunities

Condo ConversionsCondo Conversions

Condotel ResortsCondotel Resorts

OUR SPECIALITES Setting the Standards for Setting the Standards for Excellence Excellence

Always Looking for Always Looking for

Outstanding Associates!Outstanding Associates!

Escrow and Title

~Nevada Title~ Brian Holland - Sales/Marketing Rep. Marie Torres - Senior Escrow Officer

2500 N. Buffalo Dr. Suite 150 Las Vegas, NV 89128

Brians Phone: 702-265-2673 Maries Phone: 702-251-5234

Maries Fax: 702-938-1821 [email protected]

~Lawyers Title~

Esmeralda Licea - Field Rep Kim Price - Escrow Officer

1635 Village Center Circle #100 Las Vegas, NV 89134

Esmeraldas Phone: 702-858-4333 Kims Phone: 702-266-8222

Kims Fax: 702-266-8223 [email protected]

~Equity Title~

Brittany Nickell - Field Rep. Wendy Shaw - Escrow Officer

10777 W. Twain Ave., Suite 105 Las Vegas, NV 89135

Brittanys Cell: 702-510-9860 Wendys Phone: 702-202-1111

Fax: 702-202-1112 [email protected] [email protected]

~Chicago Title~

Ryan Pulliam - Assistant VP Kathy Stevens - Escrow Officer 9500 W. Flamingo Road #104

Las Vegas, NV 89147 Phone: 702-836-8000

Ryans Cell: 702-528-2410 Kathys Phone: 702-940-0200

Fax: 702-836-0300 [email protected]

[email protected]

Lenders

~Security National Mortgage~ Andy Turner - Home Loan Consultant

3285 N. Fort Apache Road Las Vegas, NV 89129

Phone: 702-562-9770 Ext. 152 Cell: 702-610-6049

[email protected]

~Mountain View Mortgage~ Sharon Goh - Senior Loan Officer

6585 High Street Las Vegas, NV 89113 Phone: 702-862-6775


~Wells Fargo~

Johnathan Edwards - Loan Officer 8337 W. Sunset Road #270

Las Vegas, NV 89113 Phone: 702-868-3913 Phone: 702-523-1247 Cell: 702-521-5686 Fax:702-939-9091

[email protected]

~Bank of America.~ Ricky Montanez - Senior Loan Officer

6900 Westcliff Dr., 2nd Floor Las Vegas, NV 89145

702.493.0622 Fax: 866.517.1190

[email protected]

~New American Funding~ John Ingram - Home Loan Consultant

7475 W. Sahara Avenue #100 Las Vegas, NV 89117 Phone: 702-324-1683


Home Warranty

~HSA Home Warranty~ Lisa Waldeck - Regional Director

Cell: 702-287-1269 Order/Service Hotline: 800-367-1448

[email protected] www.onlinehsa.com

~Old Republic Home Protection~

Linda Cisco - Senior Account Executive Phone: 800-282-7131 ext.1344

Applications: 800-445-6999 Service: 800-972-5985 [email protected]

~Fidelity National Home Warranty~

Joan Katsuda - Rep. Phone: 800-862-6837 ext.3524

Service: 800-208-3151 [email protected]

~American Home Shield~

Shelly Druce - Account Executive Phone: 800-735-4663

Msgs: 800-800-8880 ext.6128 [email protected]

Pg: 1 of 2 10001-0000-DL 08/27/2013 Initials _______ _______

Meth Lab Recovery Companies

~A Nevada Crime Cleaners~

Las Vegas NV 702-896-9799

~Amdecon Crime Cleanup~ Main Headquarters

1058 W. Round Grove Rd. Lewisville, TX 75067 Phone: 800-339-0911

~Authority Cleaning And Maintenance~ Las Vegas NV 702-791-0090

Inspection Companies

~Welcome Home Inspections~

Jim Hayes - Inspector Las Vegas, NV 89148 Phone: 702-358-6137 Cell: 702-496-0424 [email protected]

~Elias Inspections~

Harry Elias - Inspector Phone: 702-399-3586 Cell: 702-493-2721 Fax: 702-399-6371

[email protected]

~Homerica Inspection Services~ Dan Ryan - Inspector

P.O. Box 33431 Las Vegas, NV 89133

Cell: 702-339-5676 Fax: 702-648-8806

[email protected]

~Nevada Mold Testing~ 3305 W. Spring Mountain Rd Ste: 60

Las Vegas, NV 89102 Phone: 702-247-6653

A Note To Our Clients

We Provide These Services As A Referral To Help Make Your

Transaction an Easy One! You Are In No Way Forced To Use

These Companies You May Use Whomever You Prefer, These

Are Just Some Of The Companies We Have Had Great

Past Results With.

Please Sign Below To

Acknowledge Your Receiving

This Disclosure. X__________________________________ Signature Date X__________________________________ Signature Date

ALWAYS REMEMBER, WERE NEVER TOO BUSY TO HELP YOU OR ANY PERSONAL REFERRAL FROM GOOD PEOPLE LIKE YOU! THANK YOU IN

ADVANCE FOR ALL YOUR BUSINESS AND REFERRALS!

ProudSponsorOf

TheSunshine

Pg: 2 of 2 10001-0000-DL 08/27/2013

Contact Agent: Donald Lainer @ 702-869-9999

Contact Agent: Donald Lainer @ 702-869-9999


How? You Ask.

Earn

Rew

ards

!

Our Referral Program allows you to earn Rewards and | or

other promotional items such as gift cards to your favorite

restaurant, store, & much more! Current Rental Residents

have the option to trade rewards for rent credits. Just refer

a friend or family member and receive the promotion of your

choice . To qualify complete the following & return it with

your Referral Please either contact us at

[email protected] or 702-869-9999!

Referrals:Doyouknowofanyonewhoisinterestedinpurchasing,selling,orren ng?YesNo

ReferralOne:Buyer Seller Renter Landlord

Name: Phone: EmailAddress:

Address: City: State: Zip:

ReferralTwo:Buyer Seller Renter Landlord(Note:Informa onmustbeverifiableat meofReferral)

Name: Phone: EmailAddress:

Address: City: State: Zip:

ReferringParty(YourName): Number: Date:

WhatisyourFavorite:Restaurants: Stores: Movies:

Clubs/Organiza ons: Entertainment/Hobbies/Interests:

Refe

r Fam

ily o

r Frie

nds &






ReferralProgram&ConciergeService

ReferralProgram:

Our Referral Program allows you to earn Rewards and | or other promotional items such as gift cards to your favorite restaurant, store, & much more! Current Rental Residents have the option to trade rewards for rent credits. Just refer a friend or family member and receive the promotion of your choice . To qualify complete the enclosed Referral Form & return it with your Referral Please either contact us at [email protected] or 702-869-9999!

SandsAmbassadorProgram:

As an affiliate service provided through the Sands Corporation, we offer a Concierge Service to all Clients | Employees that are either purchasing or selling their Real Estate through Prudential Americanas Platinum Elite Group. Our Real Estate Concierge Service rolls out the Red Carpet experience. Whether you are a first time or seasoned homebuyer, seller or investor, our dedicated and passionate real estate experts of The Platinum Elite Group have created exclusive services and resources to give you everything you want and everything you may not have known you needed. Excellence, integrity and hard work are our guiding principles as we work tirelessly for you during one of your most important financial decisions in life. RelocationServices:

We offer full service relocation assistance whether you are moving across town or across the country. Our Relocation Services Department has the knowledge and resources to make every relocation home purchase or property sale successful. Our services provide a stress-free smooth transferring process and low relocation costs. When your time is as important as your money, you need some of the most resourceful people in town working for you.

WeLookforwardtolonglastingrelationshipwithyouandyourteammembers,

Thankyouforchoosing..

DonLainersPlatinumEliteGroup

When Buying and Selling Always Use The Platinum Elite Group!

Dir: 702-869-9999 Email: [email protected]

www.PlatinumElite.com

5000-0000-NA

Prudential Americana Group, REALTORS 7475 W. Sahara Suite #100

Las Vegas, NV 89117 AProudSponsorOf

TheSunshineKids

T H E K N O W L E D G E R E S O U R C E P R E S S

K N O W L E D G E I S P O W E R

The Knowledge ResourceFOR

First-Time Home Buyers

Your Agent Is the Best GuideSave Time, Money, and Frustration

The Keys to HomeownershipUnlock the American Dream

Is Buying the Right Choice?Advantages of Owning a Home

Tired of Renting? Need Tax Deductions?What a Difference a Deduction Makes

Build EquityMoney in Your Pocket

Before You Start Looking for a Home...Define Your Lifestyle

Home BuyingOne Step at a Time

How Much Home Can You Afford?Your Loan Consultant Can Help You

Your AgentIs the Best Guide

A good agent knows thehousing market inside andout and will help you avoida wild goose chase. He orshe can help you purchasea home whether it is his orher own listing or listed byanother agent or is beingsold by the owner directly.Your agent may be awareof homes that are availablethrough sources that you

wouldnt be able to find on your own. These professionals also know homeprices and can advise you on the value of specific homes.

Most importantly, a real estate professional will guide you through thecomplex process of buying a home. The maze of financial options, legal doc-uments, disclosure requirements, inspections and a host of other details aresimplified by the use of an experienced specialist.

In addition, agents are often your best source for general informationabout a community; specific information about schools, churches, stores; andtips on house inspectors and comparable prices. Perhaps youre wonderinghow much an agent is going to charge you for all this help. Well, the good newsis that normally it wont cost you a cent.

Agents receive payment by a commission that the seller pays. However,that doesnt affect the dedication or the spirit of teamwork that your agent willput into helping you find and buy the home of your dreams. After all, his orher success depends on your success.

How to find your new home faster. Be specific. Tell your agent what you can afford. Let your agent know exactly what youre

looking for in a house. Be as specific as possible at all times with your agent so that he or she can

better serve your needs.

2

Working with areal estateprofessional cansave you endlessamounts of time,money andfrustration.

Working with areal estateprofessional cansave you endlessamounts of time,money andfrustration.

Checklist

Heres a list of what you canexpect from your agent:

Your agent should understandyour price range and type ofhouse you are interested inbefore he or she starts showingyou houses.

Your agent can provide youwith the facts you need to makeyour own purchase decisions.

Your agent can act as a knowl-edgeable representative whenyou make an offer and negoti-ate the price.

Your agent should be able toadvise you on obtaining financ-ing for your home.

To HomeownershipThe KeysThe Keys

Welcome to First-Time Home Buyers The Most Comprehensive Guide for Beginners.Inside you'll find the basic information that will help you begin the home-buyingprocess:

Before you startlooking for a home What kind of home do you want? Need?

What can you afford?

How do you apply for a home loanand when?

Do you have mortgage approval?

Do you understand mortgage options?

Youre ready to start looking How to look for a home

Home buyers checklist

How to find a good agent

Now that youve foundyour home Making an offer

The home inspection

Homeowners insurance

What are closing costs?

The closing

Keeping your paperwork organized

Glossary of mortgage terms

Common real estate terms

3

Is Buying the Right Choice?Advantages of Owning a Home

In spite of the risks and responsibilities, millions ofpeople enjoy the rewards of homeownership. Thereare many reasons to take this significant step.

A home is a sound long-terminvestment.When you carefully choose a home you can afford,the potential payoff is great. Each month when youpay your mortgage, youre building equity by reduc-ing the amount that you owe your lender. The longeryou stay in your house, the more equity you will have.Unlike most things you buy, a home will generallyincrease in value as time passes, building moreequity. Remember, however, there is no guaranteethat your homes value will appreciate.

Homeownership offers great tax advantages.Mortgage interest and real estate taxes are usually tax deductible. This allows you to subtractpart of your housing-related expenses from your income, which could reduce your tax billsignificantly.

A first home often leads to a better second home.As you build up equity in your current home, it is usually easier to move up to an even nicerhome in the future.

You are better able to plan your housing costs.Rent increases are unpredictable and usually beyond your control. One thing is certain: overtime, rent will increase, while the cost of homeownership is much more predictable.

You gain the satisfaction and security of ownership.You can decorate and improve your home according to your own needs and desires. Owninga home may give you a new sense of pride in your surroundings and encourage you and yourfamily to plant deeper roots in your community.

4

Tired of Renting?Need Tax Deductions?

5

Rent vs.OwnTAX QUESTION

What a difference adeduction makes

Is the federal income tax mortgage

interest deduction really a useful tool

by which the government can promote

homeownership?

Home buyers, particularly those

on the verge of making the transition

from renting to owning, but also

those in the trade-up market, fre-

quently seek information about how

the mortgage deduction actually

works.

The chart presented here clearly

indicates what a big difference the

deduction makes. The chart is for

general illustration purposes because

individual circumstances vary.

1,500300500

2,300

6,0004,600

39,4006,378

IncomeItemized Deductions

State Income TaxOther Taxes - DMVContributions & OtherInterest PaymentsPoints (2)Real Estate TaxesTotal Itemized Deductions

Deduction Used(standard or itemized)

Exemptions (2)Taxable IncomeFederal Income Taxes

Tax Savings: FederalState

Total Tax Savings: First YearFirst Year - MonthlyAnnual (after 1st year)

700300500

12,1102,7001,800

18,110

18,1104,600

27,2904,091

2,287800

3,087250

2,600

As Renters$50,000

As Buyers$50,000

RENT VS. OWNHow the Mortgage Interest Deduction

Helps Homeowners

John and Jane have a combined income of

$50,000 a year. They purchased a home in

January, 1992, for $150,000, putting 10%

down and financing the remaining $135,000

with a 30-year, 9% mortgage.

Their monthly principal and interest

payments amount to $1,086 a month. Heres

how tax deductions will save them cash in the

first year and in years to come.(Figures are for illustration only. Your figures may differ.)

Buy Now!Buy Now!

6

The Rent You Pay ... Could Build Equity

in Your Own Real Estate

$300

350

400

450

500

550

600

650

700

750

800

850

900

1000

Per Month 10 Years 15 Years 20 Years 25 Years 30 Years

$61,453

71,696

81,398

92,180

102,422

112,665

122,907

133,149

143,391

153,634

163,576

174,118

184,360

194,603

$124,341

145,065

165,788

186,511

207,235

227,959

248,682

269,405

290,129

310,853

331,576

352,280

373,023

393,766

$227,811

265,779

303,748

341,116

379,684

417,652

455,621

493,590

531,558

569,527

607,495

645,464

683,432

759,369

$398,050

464,392

530,733

597,075

663,417

729,758

798,100

862,442

928,783

995,125

1,061,467

1,127,808

1,194,150

1,326,833

$678,146

797,171

904,195

1,017,220

1,130,244

1,243,268

1,356,293

1,469,317

1,582,341

1,695,366

1,808,390

1,921,415

2,034,439

2,260,488

Do you realize how much you pay in rent over a period of years? In addition to the monthly payment, youshould figure in the amount you would have accumulated had you invested your payments and earned 10 per-cent interest. This gives you a total picture of what is happening to your money. The rent you pay adds up to asizeable sum.

Using this chart, find your per month rental payment to discover how much money you are giving away in rentand interest over 10, 15, 20 or 30 years ... money which could be used to build equity in your own real estate!

What kind of home do you want? Need?Before you get out there and start looking at houses,it's a good idea to determine not only what you wantin a house but also, more importantly, what you need.It focuses your house-hunting and saves valuabletime trudging through houses you wouldnt dream ofliving in.

You can use the worksheet on the next page to listyour wants and needs, but first, here are some thingsto think about as you set your priorities:

Where do you want to live? Close to where youwork? Close to your extended family, or as far fromthem as possible? Do you need schools? How importantis it to be close to shopping, hospitals, entertainment,community amenities, and how about traffic? Lookingfor a house really starts with looking for a neighbor-hood. Deciding where you want to live will save you alot of time as well as miles on your odometer, and iskey to narrowing your search.

How long do you expect to live in your first house? For instance, if you plan on living inyour first home for only a few years and intend to move

before you have children, proximity to schools maynot be an issue, but resale value probably will be. Onthe other hand, if you plan on staying for ten years ormore and having a family, schools and square footagewill be priorities.

What don't you like about where you'recurrently living? Making a list of what you defi-nitely do not want in a home will help you weed outhouses without having to waste your valuable timelooking at them.

It may seem obvious, but take a good lookat your lifestyle. Do you entertain a lot? Then you'llwant a home that lends itself to that. Do you work fromhome? You'll need a home with a place to create anoffice. Are you a gardener? Then lot size is a priority.

Keep these things in mind as you make your listof wants and needs. Remember, your list should beflexible in case you can't find a home in your pricerange with all the amenities you want. It's a good ideato put the list in order of importance. For instance,an eat-in kitchen may be more important to you thana fireplace.

7

Before you start looking for a home...

A tip from me:A tip from me:Arrange for movers now.I will offer suggestions soyou can shop for the bestprice.

Home Buying: One Step at a TimeSelect an agent and establish a relationshipI am a full-time, professional agent with extensive market knowledge. We will work closely togetherto find the right home for you.

Initial consultation with your agent to evaluate your needs and resourcesOnce I determine your needs, I will help you evaluate financial institutions and loan programs inorder to make a wise choice. We will meet to discuss your needs and analyze your resources.

Identify property to buyI will show you homes based upon the criteria that we establish. The more precise and direct youare, the more successful our search will be.

Determine Sellers motivationOnce you have found the home that you wish to purchase, I will do the necessary research to helpyou structure an effective offer.

Write offer to purchaseI will draft the Purchase Agreement for you, advising you on protective contingencies, customarypractices, and local regulations. At this time, you will need to provide an earnest money deposit,usually from 1 to 3% of the purchase price (the deposit is not cashed until your offer has beenaccepted by the Seller).

1.2.

3.4.5.

8

Offer PresentationI will present your offer to the Seller and the Sellers agent. The Seller has threeoptions: he or she can accept your offer, counter your offer, or reject your offer.My personal knowledge of your needs and qualifications will enable me to rep-resent you in the best way possible.

Sellers ResponseI will review the Sellers response with you. My negotiating skills and knowledgewill benefit you in reaching a final agreement.

Open EscrowWhen the Purchase Agreement is accepted and signed by all parties, I will openescrow for you. At this time your earnest money will be deposited. The escrowcompany will receive, hold and disburse all funds associated with your transaction.

Contingency PeriodThis is the time allowed per your Purchase Agreement to obtain financing, per-form inspections, and satisfy any other contingencies to which your purchase issubject. Typical contingencies include:

Approval of the Sellers Disclosure Statement Approval of the Preliminary Report from the Title Company Loan approval, including an appraisal of the property Pest inspection and certification

Homeowners InsuranceI will coordinate between your Insurance Agent and the Escrow Officer to makesure your policy is in effect at the close of escrow.

Down Payment FundsYou will need a Cashiers Check or money transfer several days prior to the clos-ing date of escrow.

Close EscrowWhen all of the conditions of the Purchase Agreement have been met, you willsign your loan documents and closing papers. You will deposit the balance ofyour down payment and closing costs in escrow and your lender will deposit thebalance of the purchase price. The Deed will then be recorded at the CountyRecorders office and you will take ownership of your home.

6.

7.8.

9.

10.11.12.

9

Home Buying: One Step at a Time

10

House HuntingPriorities Worksheet

Newer Home (0-5 yrs)

Single Story

Cabin Style

Central Air

Bedroom on 1st Floor

Family Room

Recreation Room

Library/Study

Laundry Room

Finished Basement

Swimming Pool

Tennis Court

2 or More Car Garage

Attached Parking Facilities

1/2 or More Acres

2 or More Acres

10 or More Acres

Waterfront Property

Swimming Pool

Security Features

Older Home (75+ yrs)

Two ore More Stories

Fireplace

Bathroom on 1st Floor

Breakfast Area

Great Room

In-Law/Guest Suite

Basement

Spa

Patio or Deck

Irrigation System

Mature Planting

1 or More Acres

5 or more Acres

20 or More Acres

Fenced Yard

Clubhouse

Hospitals

APPROXIMATE PRICE RANGE:

Minimum: Maximum:

Minimum Number of Bedrooms:

Minimum Number of Baths:

Minimum Square Footage of Home:

GENERAL HOME FEATURES:

INTERIOR FEATURES:

EXTERIOR FEATURES:

LOT FEATURES:

COMMUNITY AMENITIES:

How much homecan you afford?

Few things are more frustrating than falling in love with a house only to discover it's notaffordable. How do you know what you can afford? By knowing how much money you qualifyto borrow. Use the following worksheet and your calculators to determine your price range.

Your loan consultant, however, will help determine exactly how much you can qualify for,but there are two things you'll want to consider before applying with a lender.

How's Your Credit? Check your credit report. It contains yourcredit score, which is vital for qualifying for a loan. Orderyour credit report from the three major credit bureaus,check them carefully for discrepancies anderrors and have each bureau clear themfrom your report.

Monthly Payment. Calculate how muchof a monthly payment you're comfortable pay-ing. You may qualify for a loan amount thatwould require a higher monthly payment thanyou'd like to pay. Sit down and figure out your month-ly expenses in a new home. Remember that with home-ownership you will incur financial responsibilities such asmaintenance, improvements, taxes, insurance and possiblyassociation fees.

11

LOAN TYPE YOURE CONSIDERING

Down Payment

Mortgage Term (in years)

Monthly Payment Desired

MONTHLY INCOME

Wages Before Taxes or Deductions

Investment Income Before Taxes

Other Income

EXISTING MONTHLY PAYMENTS

Auto Loans

Student Loans

Credit Cards and Other Loans

OTHER MONTHLY DEBT

Alimony

Child Support

TAXES & INSURANCE YOU EXPECT TO PAY

Yearly Property Tax

Yearly Property Insurance

Home Affordability WorksheetIts important to determine things like yourmonthly payment, how much you can affordto borrow, how much house you can affordto buy and much more. Here's the typeof information you'll need to have onhand.

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T H E K N O W L E D G E R E S O U R C E P R E S S

K N O W L E D G E I S P O W E R

The Knowledge ResourceFOR

Finding The Perfect Real Estate AgentF O R S E L L E R S :Finding the Perfect Agent Your Agent

Does Your Agent Really Work for You?Agents Must Now Disclose

Agent InterviewsGood Questions

Whos Involved?Sellers Helpers

F O R B U Y E R S :What Type of Buyer Are You?Your Profile

Open HousesGood Way to Start

Agent InterviewsGood Questions

New Home Wish ListMaybe You Can Have It All!

Whos Involved?Buyers Helpers

F O R S E L L E R S A N D B U Y E R S :Moving ChecklistStart Packing

Finding the PerfectReal Estate Agent...Your Agent

The tried-and-true way to find a real estate agent is to ask friends and relatives for a refer-ral of someone they know or have used successfully and would use again if the need arose. Theway to find the perfect agent is to interview the referred agents and then select the one that bestfits your needs.

You will want to determine certain important facts:

How well does the agent know the local real estate market?

What is his or her track record compared to local statistics?

Does this person have good negotiating skills?

Does this person have a good reputation within the industry?

Finding the right agent is essential to making your home-selling experience a positive one.Youre about to embark on a journey that will require preparations, decisions, time andpatience. Your relationship with the agent you select will help keep your stress level undercontrol and ultimately be responsible for the financial outcome of your transaction.

Define your objectives before starting and communicate these clearly to your agent.Knowing what is most important to you will help him or her strategize to help you meet yourgoals:

What are your main objectives?

Is speed most important?

Or is it the highest price?

Do you want the agent to report daily activities?

Or only significant activity?

Do you prefer an aggressive approach?

Do you want the agent or support staff to be available 24/7?

Knowing your requirements before interviewing will assure you of making the best choice.Find out as much as you can about each agent from the party who made the referral. Speak witheach in person or on the phone and ask the questions supplied in the interview section of thisguide. Before making your final decision you should meet face to face with the agents you areseriously considering. Knowing what is important to you will help you find your perfect agent.Time invested upfront will prevent frustration later.

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Does the Real Estate AgentWork for the Buyer or the Seller?

While this does not pose as much of a problem for sellers since it is clear that the listing agent is working forthem, disclosure is now required by state law.

Real estate agents are required to disclose who they are working for, the buyers or the sellers or both. Inmost cases, before being shown property or discussing financial ability to purchase or lease property, clients willbe presented with a form, the Agency Disclosure Statement, indicating whom the agent will represent in the trans-action. Although you will be asked to sign this form, acknowledging that it was given to you, it is not a contractand does not obligate you to work with the agent it simply serves as a consumer disclosure form to protectyour interests.

In the past, buyers assumed that the agent showing properties to them was representing them. The agentwould call them to inform them of new listings, would write up offers to purchase and give them information aboutfinancing and other related issues. Buyers would feel free to give them confidential or strategic information with-out knowing that the agent would pass this information on to the sellers, sometimes placing them at a disadvan-tage in the transaction.

In some cases, you may also be given another form, the Dual Agency Disclosure Statement. You may be askedto sign this form to indicate that you have been informed that the agent will be representing you as the buyer, aswell as representing the seller.

Continued on page 4

Does the Real Estate AgentWork for the Buyer or the Seller?

All other reasons aside, this is most important, from a strategic perspective:

Sellers Agent

Sellers agent works for the real estate company hired by the seller to sell their property.

In Multiple Listings, all agents are sub-agents of the listing agent and represent the seller.

Confidential information should not be given to a sellers agent.

Even after a sellers agent has disclosed his or her agent status, confidential or strategic information should not be given.

The disclosure statement is not a contract, only a disclosure.

Buyers Agent

Buyers agent works for buyer only. You may be asked to sign an exclusive agreement with that agent, for a pre-determined period of time.

The period of time can be any you both agree on, even as little as one day.

Signing an agreement does not obligate you to pay the agent a fee (unless clearly stated and agreed to); real estate agents are usually paid a commission from the sale.

You will be required to pay the agent a fee if you purchase a For Sale By Owner home during the periodof time you are under contract to the agent.

When a buyer's agent shows a listing held by the agents own real estate firm, he or she has responsibilitiesto both parties. Since the seller pays the commission, the agents loyalties are split.

When the agents loyalties are clearly split, the Dual Agency Disclosure must be presented to buyer and seller in advance and both must agree.

Buyers would be wise to work with a buyers agent to ensure that their goals are met in an unbiasedmanner.

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Continued from page 3

Here are questions that will help you narrow the list of candidates:

Are you a full-time or part-time real estate agent?

How many years have you been in the real estate business?

Is your license in good standing?

How many homes have you sold in your career?

How many homes have you sold in my area last year? this year?

How does that number of sales compare to the statistics of the National Association ofREALTORS?

What is your educational background?

Do you offer any guarantees? What are they?

May I call some of your past clients?

What kind of experience and training do you have in negotiating?

Can we get out of the listing without a hassle if were not pleased with your services? (Ask if a clause to that effect can be written into your agreement.)

Interviewing the Agent(Sellers)

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Continued on Page 6

Will you design a written marketing plan specifically for our property?

Where does your company rank among other companies in the area?

Are you a member of the NATIONAL ASSOCIATION OF REALTORS? Are you a member of the localBoard of REALTORS?

Are you a member of the MLS?

Does your company have a widely-recognized logo that will call more attention to our home?

How often will you be in touch with us from the time we hire you until escrow closes?

Do you personally or does your company spend money on advertising?

Specifically what type of advertising will you use to sell our home?

If youre not personally available, what support do you have in place to take care of myneeds?

What do you do, if anything, to help prepare our home for sale?

Do you market within as well as outside the real estate profession?

Will you invest time marketing specifically to homeowners in this area to find out if theyknow someone who would like to live in this neighborhood?

Will you hold Open Houses? How effective are your Open House strategies?

Will you do Direct Mailings about my property? How many? How often?

Will you personally handle all contract negotiations?

What commission rate do you charge?

Will your rate be lower if you sell my house yourself as well as list it?

In the current market, at what price do you think our home will sell?

Will you prepare a comparative market analysis for our home?

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Interviewing the Agent(Sellers)

Continued from Page 5

Advertising Agency and/or Newspapers/Magazines

Appraiser

Legal Advisor

Contractor (if repairs needed)

Buyer's Mortgage Company

Buyer's Loan Officer

Lending Underwriter

Loan Processor

Title Company Representative

Title Processor

Attorney (in some cases)

Current Mortgage Holder

Moving Company

Utility Company

Termite Inspector

Land Titles Office Representative

Septic/Sewer Inspection

Structural Engineer (in some cases)

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Whos Involved in theSellers Transaction?

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What Type of Buyer Are You?Your first steps toward buying a home can be daunting. However, by following some the guidelines we offer,

you will soon be ready to move forward with your plans, secure in the knowledge that you have done your home-work to assure a positive outcome. Armed with a clear vision of who you are as a buyer, you should soon be mov-ing into your new home.

You will be able to assist your agent in finding your dream home at a price you areprepared for by clearly communicating:

Price range?

First-time or repeat buyer?

Current mortgage status if repeat buyer?

Estimated available down payment?

When will you be ready to buy?

Is your new home purchase contingent on selling your existing home?

Are you pre-qualified by a lender?

A home is one of the largest purchases most of us will ever make. Just as real estate agents are always tellingus about location, location, location when it comes to deciding which home to buy, theres nothing likepreparation, preparation, preparation. Before embarking on your search, take the time to create a realisticfamily-friendly budget and establish with your lender just how much house you can really afford. In our wishlist section, weve listed many features; select the ones that you must have, the ones that you want but could livewithout; then start cutting if your budget wont stretch for all the desired features.

Once you are pre-qualified by your lender, begin your search. With a clear understanding of your require-ments and priorities, your search for your new home should be pleasant, satisfying and short.

This process can be very time consuming. Take care to schedule house-hunting appointments around yourother activities to avoid frustration and stress.

Should You Attend Open Houses?

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As we said earlier, beginning the process of searching for a new home can be intimidating. Attending adver-tised open houses may be an easier way to ease into your search. These are held every weekend and are listedin your local newspapers. Appointments are not required.

Attending open houses can be a great way to see many properties in a few weeks. It will give you an idea ofprices in the neighborhoods you are interested in without the pressure of making a commitment to an agent.Since not all properties are shown through open houses, realize that you will miss many that are shown byappointment only.

Be selective in this process. Its easy to get caught up in the excitement of house hunting, but attending toomany open houses can lead to burnout, confusion and disappointment, especially if youre looking out of yourprice range. Also, consider getting pre-approved for a mortgage before looking so that you will know what pricerange to concentrate on. At this point, were assuming that you havent yet selected an agent, but once you do,always be upfront with the agent conducting the open house about this relationship. Doing so will prevent mis-understandings about commissions if you should end up buying the house.

Remember, you will be a guest in someones home: Come at the specified time, not earlier and not later. Please register and present identification, if asked. Real estate agents work alone sometimes and need to

be cautious. Get a copy of the multiple listing sheet or flyer if you're interested in a particular property. Its difficult to

Continued on Page 10

remember the specifics once you leave and visit a number of other houses. Takes notesif necessary.

Leave children and/or pets with a sitter. It will be easier for you to concentrate on the property and ask relevant questions.

Find out about the neighborhood: Is this a friendly neighborhood?

Is this a noisy area? (better to know before buying)

Are the streets congested with traffic around during rush hours?

Are the streets safe at night?

Are the schools good?

Are there nearby medical facilities, churches, shopping areas and grocery stores?

What about taxes, local government and law enforcement?

Have plans for new developments, or facilities you might object to, been approved by the planning commission?

You may want to do some further fact-finding on your own: Drive or walk around the neighborhood at various times of the day or evening.

Make note of the condition of houses and lawns. Peeling paint on houses, dirty windows, trash cans in plain sight, cars on the lawns, overgrown grass and weeds would indicate a poorly kept neighborhood.

Contact the local police department and ask for crime statistics.

Check alleys and public buildings for graffiti that could indicate gang activity.

How much do local schools spend per child? Ask about test scores.

Youll want to know about local transportation as well as your commute time to work.

What about neighborhood shopping and recreational facilities?

Research recent selling prices for houses in the neighborhood, increase in value in the past 10 years and property tax increases.

Call the water, disposal, gas, cable, phone and electric companies for utility costs.

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Should You AttendOpen Houses?

Continued from Page 9

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Do you work full-time or part-time as a real estate agent?

How well do you know the specific area(s) Im interested in?

Will you handle all aspects of my transaction or will your support staff handle most of it?

Will you be accessible when I need you?

Will you give me a comparative market analysis (CMA) of recent sales in the area and homes currently for sale?

Is your license in good standing?

What is your educational background?

Will you use the MLS listings and the Internet to find properties with the features I want, in my price range?

If interviewing for an Exclusive Buyers Agent, also ask these questions: Will you confirm in writing that your firm does not accept listings?

Can you work with me on homes for sale by owner, new construction, and multiple listings?

Can you work with me on both new and existing homes?

Are you familiar with new home developments in the area Im looking at?

Do you have knowledge of different builders reputations in the industry?

Are you a member of local and national REALTOR associations?

Will we work under a formal exclusive buyers contract?

Do you charge a good faith fee and is this fee returned to me at close of escrow since you will be receiving a commission from the sale?

If youre not familiar yet with the concept of a buyers agent, not to worry this trend has onlybeen around since the mid-1980s. Prior to that time, agents could represent both seller and buyerand no one appeared to recognize this as a conflict of interest. Since the seller was paying theagents commission, he would consider his or her duty to be to the seller, and would not nec-essarily be representing the buyers best interests.

Today, a buyers agent works solely for the buyer and represents only the buyers best interests.Most states require disclosure as discussed earlier.

Interviewing the Agent(Buyers)

Try to define as closely as possible the neighborhoods, type of housing and features that youare looking for, and make a list for your real estate agent. The closer you are able to describeyour dream home to your agent, the sooner youll be living in it. Dont forget to define yourprice range, based on discussions with a lender of your choosing. If you feel that you may havesome credit issues, you would do well to start working with the lender as soon as possible toresolve these and obtain your loan.

Agents usually insist on working with clients who are pre-qualified as this assures the seller thatthe buyer is serious and able to purchase a home. Being pre-qualified places you in a strongernegotiating position.

Here are some ideas. Feel free to delete some of these and add your own:

Type of housing: Single family dwelling

Condo

Townhouse

Cooperative

Neighborhood (be as specific as possible): Urban

Suburban

Rural

Gated Security Community Pool Golf Tennis

Senior Development 55+

Lakeside

Mountains

Close to Schools, hospitals and shopping

Necessary Features (elaborate where needed): Number of Bedrooms

Master Bedroom Suite

Number of Bathrooms

Tubs and Separate Showers

Eat-in Kitchen

Refrigerator

New Home Wish List

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New Home Wish List

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Necessary Features (elaborate where needed):

Electric range/cooktop

Built-in range/oven

Gas or Electric Range

Self-cleaning Oven

Microwave Oven

Disposal Trash Compactor

Dishwasher

Family Room

Formal Dining Room

Forced Air/Heat

Garage: Number of Cars

Garage: Attached Detached

Automatic Garage Door

Lot Size

New House

Maximum Age of House

Approx. Square Footage of House

Number of Floors

Large Backyard

Landscape sprinklers

View

Fireplace

Finished Basement

Pool/Jacuzzi

Patio/Porch

Stucco Exterior

Wood Siding

Brick

Newer roof

Security System

Good freeway access

Appraiser

Legal Advisor

Contractor (if repairs are needed)

Mortgage Company

Credit Bureau

Lender or Loan Officer

Lending Underwriter

Loan Processor

Title Company Representative

Title Processor

Attorney (in some cases)

Current Mortgage Holder

Moving Company

Utility Company

Termite Inspector

Land Titles Office Representative

Septic/Sewer Inspection

Home Inspector

Structural Engineer (if needed)

Whos Involved in the Buyers Transaction?

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Making your move as easy as possible and savingyou both time and frustration is what this section is allabout. Entrusting all your worldly possessions to amoving company and hoping they will deliver themback to you when you want them, where you want them,seems to require a giant leap of faith. Moving has beenrated, by some, as the third most highly pressuredexperience next to going to jail or getting married!

Look over the list below and check off each as itsdone. Before you know it, your move will be over and you and your family will be enjoying your new home.

File your change of address with the post office. Transfer utilities, schedule meter readings: have handy the turn-off date at your current address and turn-

on at your new address. Contact moving companies for estimate. Get moving boxes. Set moving schedule. Re-confirm with movers the date and time of their arrival at your home on moving day. Let your movers know what you expect of them. Ask movers the extent of packing and readiness expected of you. Does the moving company have insurance coverage in case of damage? Is insurance coverage for replacement or fair market value? Establish termination date for delivery of mail and newspapers. Send change of address cards to insurance companies, credit card companies, and service providers. Notify your automobile insurance company of your new address. Inform your children's school of your move and new address. Start registering process at your childrens new school. Obtain medical and dental records if youll be changing providers. Send your bank your change of address or close or transfer your bank account. Have pilot lights for the stove, water heater and furnace checked at your new home. After moving, check with Post Office to see if any mail is being held for you. Change voter registration. Notify Department of Motor Vehicles of your new address.

Enjoy your new home!

Packing and Moving






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Address: City,St,Zip:

UTILITYINFORMATION

ELECTRICLasVegas,Henderson,NorthLasVegas:NVEnergy6226W.SaharaAve,LasVegas,Nevada891537023675555/7024025000www.nvenergy.comGASLasVegas,Henderson,NorthLasVegas:SouthwestGasCorporation1374W.CheyenneAv.Ste.107,N.LasVegas,Nevada8903018778606020www.swgas.comWATERLasVegasValleyWaterDistrict1001S.ValleyViewBlvd.,LasVegas,Nevada891537028704194/7028702011www.lvvwd.comHendersonWater&Sewer:240WaterSt.,Henderson,Nevada890157022675900www.cityofhenderson.comNorthLasVegaswater,sewer,&trashCityofNorthLasVegas2200CivicCenterDr.,NorthLasVegas,Nevada890307026331484/7026331000www.cityofnorthlasvegas.comSEWERLasVegasSewerDistrict5857E.FlamingoRd.,LasVegas,Nevada89122www.cleanwaterteam.com7024581180/7024346600HendersonWater&Sewer:7022675900www.cityofhenderson.comNorthLasVegaswater,sewer,&trashCityofNorthLasVegas7026331484

TRASH/DISPOSALSERVICESLasVegas&Henderson:RepublicServicesofSouthernNevada770E.SaharaAve.,LasVegas,Nevada891047027355151www.republicservicesvegas.comNorthLasVegaswater,sewer,&trashCityofNorthLasVegas7026331484CABLE|INTERNET|PHONELasVegas,Henderson,NorthLasVegas:CoxCommunications750N.RanchoDr.,LasVegas,Nevada891067023834000orwww.cox.com7022447400/18663046820CenturyLink330S.ValleyViewBlvd.,LasVegas,NV89106www.embarq.centurylink.comUSPOSTALINFORMATIONGeneralInformation7023619212www.usps.comEDUCATIONClarkCountySchoolDistrict7027995011www.ccsn.nevada.eduUniversityofNevada,LasVegas7028953011CommunityCollegeofS.Nevada7026514000UniversityofPhoenix7028765004DEPARTMENTOFMOTORVEHICLESForinformationonvehicleregistrationorobtainingadriverslicense,contacttheDepartmentofMotorVehiclesat:8250W.FlamingoRd.,LasVegas,Nevada891472701E.SaharaAve.,LasVegas,Nevada891047170N.DecaturBlvd.,N.LasVegas,Nevada891311399AmericanPacificDr.,Henderson,Nevada890747024864368/7024554316www.dmvnv.com

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Documents

Prudential Americana's Platinum Elite Group Relocation & Real Estate Guide