The Dayna Murray Home Teamimages.kw.com/docs/0/7/0/070052/1455221504051_Buyer_s_Market… · the team relies entirely on fantastic customer service. With Dayna, the Listing Specialist,

© 2016 The Dayna Murray Home Team 215 Walker Ave. S • Wayzata, MN 55391 (952) 405-2841 • sellitwithdayna.com

The Dayna Murray Home Team Changing Homes- Changing Lives

When you change your home…you change your life. These are not mere words, they’re a fact! A new home brings changes. Those changes include new friends, new places to shop, work, worship and play.

Do you finally get that garden you’ve always dreamed of or do you spend your weekends hiking in the woods while the association mows the grass or shovels the snow? Can you walk to your own dock for a quick evening on the lake or can you send your hockey player out the back door to the pond that has frozen solid? Are there new neighbors to entertain or acres of private fields to discover? Are you downsizing as the family has grown and gone? Are you expanding for the new baby or your parents moving in? The Dayna Murray Team will help you discover what your “change” looks like and work tirelessly for you.

After twelve years in the Real Estate business and in one of the most volatile markets ever, The Dayna Murray Home Team has never had a down year and continues to grow. The success of the team relies entirely on fantastic customer service. With Dayna, the Listing Specialist, who works with those selling their homes, and Lia, our showing specialist, we have all of your real estate needs covered. Kelly, our transaction coordinator and office manager rounds out the team and makes sure that after Lia and Dayna have done what they do best, we all arrive perfectly at the closing table to do the happy dance.

Buying or selling a home can be an emotional and stressful time. Our goal is to take on your stress and leave you with only one emotion…joy at the closing table!

Whether you’re buying your first home or selling your fifth one, The Dayna Murray Home Team wants to be the one to help when you’re Changing Homes and Changing “Your” Lives…

Our Mission Statement “To make buying or selling your home a joy!”

As a team, we will honor God in all that we say and do. We will communicate with our clients so that they never feel left out of the picture.

To put our knowledge and experience in motion to achieve the objectives of our clients. We will, with honesty and integrity, handle the

buying or selling of your home.


Allow Me to Introduce Myself Dayna Murray I bring over 30 years of real estate involvement to my clients: Seven personal relocations, 9 years in the design business as a drapery workroom owner, and now I’m in my 12th year as a residential real estate agent. Through my personal and real estate business experience I’ve handled every aspect of buying and selling a home. I put my extensive knowledge and expertise to work for every client.

My team and I pride ourselves on making every buyer or seller feel expertly cared for by delivering superb customer service. I know how to make selling a home a seamless transaction. By pricing the home right, we’re able to sell extremely fast—i.e. days, not weeks or months. We also handle all the selling process details, including negotiations.

When you work with me, you get a top real estate producer who's been named Plymouth Magazine Best of Realtor® and Voted Reader’s Choice “Best Real Estate Agent” many years running. See Our Awards, Achievements & Affiliations page for all the details. Additionally, our team is ranked fourth in the five-state region within Keller Williams.

I also take pride in serving my community through helping train other agents, donating my time working with non-profit organizations, and volunteering at my church.

Brett Goda- Licensed Realtor I am thrilled to be a part of The Dayna Murray Home Team specializing in working with buyers. I genuinely care for each of my clients, providing them with the best service and always looking out for their best interest. I was originally licensed from 2006-2010 where I worked primarily with buyers, taking them through the process of buying great homes. I also come to the team with 6 years of management experience in non-profits and 4 years of management in restaurants. I grew up in western Michigan and moved to Minnesota after meeting my wife Wendy here while visiting in 2005. We have 3 wonderful children and live in Chaska. The things I enjoy most are spending quality time with my family, being involved with our Church, and connecting with people while sipping on a great cup of coffee. I hope to have the pleasure of working with you in the future!

[email protected]

[email protected]


The Behind the Scenes Team

Kelly Zwilling- Director of Operations I am a licensed REALTOR® bringing the team 13 years’ experience in real estate and a degree in hospitality. It brings me great joy to provide the highest level of customer service to all of our clients. This experience comes from being licensed in three states and a continued passion for the real estate business where ever I go. I moved to Minnesota from the East Coast and also spent some time in Arizona where I met my husband, Chris. We currently live in Watertown with our son, Kody We all stay active as a family in our church, community sports and the Watertown- Mayer School District. At the office I manage and oversee all office operations. I am constantly researching the market to find the latest technologies and business strategies to exceed our clients’ expectations and find every way possible to get our listings sold efficiently. As soon as we submit or receive an offer, I get to work specifically on each transaction. I devote my time to the hundreds of details that are critically important in the home selling and buying process. From the beginning of the sale to the closing table, I excel in my attention to every detail. My expertise in getting the job done right for our clients makes me an invaluable asset to the team.

Kendall Clark- Marketing & Listing Coordinator I grew up in Minnetonka and graduated from Minnetonka High School. After high school, I then moved to Waco, Texas where I attended Baylor University. I graduated in August of 2015 with a degree in Medical Humanities. I am now moved back home in Minnesota and I am currently living in Excelsior. I attend Bethlehem Baptist Church in Minneapolis with my family every Sunday and I participate in community volunteer work. At the office I implement the latest techniques in marketing, including social media and internet presence for the team, as well as managing the marketing for our listings. From the time when a house is listed to the time that it closes, I am actively managing the details of the listings, communicating with the sellers, as well as maintaining the listing presence online and through social media. I create and implement all advertising tools and devote my time to the marketing and listing coordination necessary.

[email protected]

[email protected]


A Company Built on a Solid Foundation Keller Williams Realty Inc. is the largest real estate franchise company in North America, with approximately 700 offices and 129,000 associates around the world. The company has grown exponentially since the opening of the first Keller Williams Realty office in 1983, and continues to cultivate an agent-centric, education-based, technology-driven culture that rewards associates as stakeholders. The company also provides specialized agents in luxury homes and commercial real estate properties.

Keller Williams Realty was founded by Gary Keller and Joe Williams with the mission to build careers worth having, businesses worth owning and lives worth living® for its associates.

Our Business Philosophy Our philosophy is simple. We will, through the efforts of our talented and experienced team of sales associates, provide focused, dependable and caring results to achieve the objectives of our clients. This will be accomplished by being innovative and creative in our thinking and in our actions. Our Mission Our mission at Keller Williams Premier Realty is to provide the ultimate in personalized real estate services to our clients, whether they are buying and selling. Our Goal It is our goal to maintain a relationship with all of our clients, even after the sale or closing of their home. We want to keep our clients for life.


The Keller Williams Belief System At the core of Keller Williams Realty is a conviction that who you are in business with matters. We believe that the company we keep can contribute to our lives in untold ways. To help cement this understanding, we’ve formalized a belief system called the WI4C2TS that guides how we treat each other and how we do business.

Win-Win: or no deal Integrity: do the right thing

Customers: always come first Commitment: in all things

Communication: seek first to understand Creativity: ideas before results

Teamwork: together everyone achieves more Trust: starts with honesty

Success: results through people

Our Mission To build careers worth having, businesses worth owning, and lives worth living. Our Vision To be the real estate company of choice. Our Values God, Family, and then Business. Our Perspective A training and consulting company that also provides the franchise systems, products, and services that lead to productivity and profitability. Keller Williams thinks like a top producer, acts like a trainer- consultant, and focuses all its activities on service, productivity, and profitability.


Our Awards, Achievements & Affiliations Voted Reader’s Choice Best Realtor®

2013, 2012, 2013, 2014, 2015 & 2016 Wayzata

2012, 2013, 2015 & 2016 Plymouth

2012 & 2015 Hopkins

2013 & 2014 Minnetonka

RSA- Realtor® Senior Advisor RSA stands for REALTOR® Senior Advisor. An RSA is a licensed real estate agent in Minnesota who has chosen to focus 18 hours of study toward skills specific to working with seniors. It is the only senior designation available that focuses on locally relevant content and resources that enable Minnesota REALTORS® to be more effective with Minnesota seniors

Just Listed Certified Professional- This designation of JustListed certified professional, recognizing the highest levels of industry knowledge and responsive service to Internet-savvy homebuyers and sellers. This agent pledges a commitment to continuing education, refining individual skills and providing every client with unparalleled personal service, during and after the transaction.

Effective Negotiation Certification for Real Estate Professionals- This certification recognizes the highest levels of industry knowledge when it comes to negotiating on behalf of others. This skill is the hallmark of the buyer’s and seller’s representatives’ offering positional bargaining and value negotiation. Giving the knowledge and expertise to examine unique issues when representing someone in a negotiation and breaking a negotiation impasse.

KW Luxury Homes International Member- KW Luxury Homes International is an exclusive, elite and sophisticated group of real estate consultants who absolutely raise the bar for service in the upper-tier home market. As part of the Keller Williams Realty, Inc. family, our consultants have a powerful network of associates to help you sell or find your next home.

Certified Luxury Home Marketing Specialist- The CLHMS Designation Recognized as the mark of accomplishment in luxury markets around the world, the Certified Luxury Home Marketing Specialist (CLHMS) designation assures affluent buyers and sellers that the agents who have earned it have the knowledge, experience, competence, and confidence they require. Members of The Institute who hold the CLHMS designation have documented performance in the TOP 10% of their markets, and have successfully demonstrated their expertise in the luxury home and estate market.


Our First Promise to You I believe that good, timely communication is necessary and will result in a more successful and efficient transaction with you and all parties involved in the buying or selling of your home.

Therefore, we will strive to:

Embrace our primary communications systems by effectively using our telephone/cell phone, fax machine, internet, and e-mail communications tools.

Respond to or acknowledge all voice, printed and electronic messages we receive that same day, or in all cases within no more than 24 hours.

When necessary, inform those attempting to communicate with one of us, our inability to respond in a timely fashion through the use of our voice mail message, our email “out -of-office”, or other viable means. Since we are a team, this would be rare that we would all be unavailable for an extended period of time.

Arrive on time for scheduled meetings, start and finish meetings on schedule and show respect to meeting presenters and participant’s and their time constraints.

Respond to requests for information and or materials by the deadlines that have been established.

Be considerate of the needs of others by communicating to those who need the information.

Better Results Come from Effective Communication


Questions to Ask Your Agent Before You Hire

Are you a full time or part time agent?

How many buyers are you currently representing?

What is your policy on responding to phone calls/emails/text messages?

How much of your business is generated by referrals?

What references can you provide?

Do you offer an "easy exit" contract so that I can end our agreement if I am not satisfied?


Don’t Take Our Word for It While the most important thing to our clients is that we get the purchase or sale of their home to a successful close, one of the most import things to us is that we meet our clients’ individual needs. Each real estate transaction is as different as are the clients with whom we work.

Selling a home can be a very emotional event in a person’s life. With permission from some of our past clients, we have generated a list of testimonials. Hopefully, our clients’ words will encourage you to select The Dayna Murray Home Team as your team of REALTORS® when it’s time for your next real estate transaction.

“Have you ever thought about selling your home? Do yourself a favor- call Dayna Murray. Hands down, the best and most professional realtor I’ve ever met. We’ve bought and sold both residential and commercial properties several times, she has set the bar. Whether you’re ready

to move on, or just want to see where your investment is at- Call the Dayna Murray Home Team- Keller Williams Premier Realty.”- Sarah McCarthy

“Dayna Murray did an incredible job selling our home! We had multiple offers within 1 week of listing our home with her. She is the best in the business and worked very hard for us.

Thank you Dayna.”- Clayt Beitel

“Dayna Murray was the best to work with! She made the whole process easy and understandable for the first time home buyer! Would highly recommend her to anyone

looking to sell or buy.”- Megan Schiebe

“I had the privilege of working with Dayna on 2 of our houses in 2015. The first house was sold over the 4th of July weekend, which was listed for only 3 days (FULL PRICE) and the

second house was sold in December which was listed for only 4 days (very close to full price), which is supposedly a tough month to sell in. Dayna was very easy to work with and made us feel extremely comfortable with her unique process. She has an amazing team that rescued us on quite a few issues that one of the houses challenged us with. I would definitely recommend

you and your team in the future. Thank you for all your hard work! -Anthony Griffin

“Dayna Murray and her team were wonderful to work with from the onset. Extremely organized, detail oriented and professional. Selling a house is very stressful in general but we

felt taken care of by the Dayna Murray and her team.”- Nila Sunthram

“Dayna was knowledgeable, helpful, and give us great peace in the process of selling our home. We would highly recommend her to anyone, and we have. It was a great experience with her expertise. We are so thankful a friend recommended her to us.”- Zillow review user 602607


“Dayna sold our house for us the first day it was on the market and to the first couple that saw the house. Dayna did exactly what she told us she would do. Her team kept us informed of what was going on and what the next step was. We never had to wonder what the status was on the house; her team was always in communication with us. Dayna always made us feel like we were

her most important client; she was always available to us. She was spot-on with her recommendations and her team was amazing. From the stager to her support people it was the best experience imaginable. The bottom line is that while Dayna and her team were amazing to work with, the bottom line in real estate is always money, and we believe that Dayna sold our

home for a great price. Every business has a slogan or a mission statement, Dayna’s is “Changing Homes – Changing Lives” and that is exactly what she did for us. To most businesses

the mission statement just hangs on the wall. In Dayna’s case she lives it every moment of every day.”- W R Hayes

“Dayna Murray and her team are very knowledgeable, honest and realistic. I did a very quick, corporate relocation in January that was very stressful. Dayna and her team helped stage my house, took AMAZING pictures, advertised like CRAZY and sold my "unique" house in FEB...

for my asking price. I would recommend Dayna Murray to EVERYONE!!”- Kelly Lyn

“Dayna and her team did a fantastic job for us. From our first meeting she gave us realistic expectations on the sale of our home from what to expect with pricing to the things we needed to do to get the house ready to sell. Her support team and referred contractors were excellent.

She's very busy, but her team was always available and always knew exactly what was happening with our property. We sold our home in 4 days above list with multiple offers and

dispensed with much of the stress of selling a home because of her advice. I highly recommend Dayna's team as a selling agent, listen to her guidance and

you won't be disappointed.”-SharPeyoo

“Kris was very friendly, helpful and fun. She was very knowledgeable and was very prompt getting back to me whenever I had questions. She always found time to show us homes when it

was convenient for us. I highly recommend Kris and Dayna Murray.”-Swel

“Dayna and team not only sold my home in less than a week, Kris found me my new home in a month’s time! Pictures of my home were outstanding. After keeping me on task, my home was

listed in Feb and I moved into my new home by mid-April. Everyone was great to work with.”- Rinachs

“Dayna and the rest of her team were true real estate professionals, they listed and sold our

home in record time. Easy to work with and responsive they were everything we were looking for in a real estate professional, would list with them again

and recommend you do as well!”- Yessen


“Dayna and her team are amazing. Their professionalism, planning and understanding of market conditions are unequalled. We were selling off season and they still sold our home

above asking price within 90 days; not something that just any agent can do. We highly recommend her and her team if you are looking to

sell in the Plymouth, Wayzata area.” -Tenerow

“I was very impressed with how fast we got offers. We closed on the house in less than a month from when we listed. The staging and photography were top notch.”- Gary Aucutt

“I referred Dayna Murray to my sister in law...who wanted to sell her house on her own. Dayna was prompt, fair and very thorough. She had a complete understanding of the neighborhood and the value of the surrounding houses. She gave great advice to get the house ready to sell.

More importantly with Dayna’s help the house sold quickly. Best part is she found a new place for my sister-in-law to live that was perfect. The process was easy and Dayna made it

comfortable. She handled everything from start to finish. My sister-in-law continues to rave about how easy selling and buying was with Dayna Murray.”- Robin Bennett Johnson

“Excellent all-around, couldn't have been more pleased. Good ancillary services, including

staging and other service providers. Inside sales/support personnel also very helpful.”- Zillow review user 3369590

“Dayna was an awesome help for two first time home buyers. We could not be more pleased with the service we received from her and her team. We have moved into our new home and

she is still contacting us to follow-up and continues to be interested in us and our families.”- Megan Hickenbottom

“Dayna was wonderful! We were looking for our first home and even though we did not have a very large budget she helped us navigate through all kinds of homes. It took a little over a year

to find a home, but in that time my husband and I had a combined 4 pay increases, which allowed us to look at higher price points. She made sure we saw pros and cons in each house we

looked at. We had an offer in on a foreclosure and she helped us realize it was not the right home for us, meaning we were back at square one. She never got frustrated and always made time to look at a house even with a few hours’ notice. The home we ended up buying turned into a short sale and she did a great job keeping us informed where we were in the process as

well as made sure things were going smoothly. I highly recommend Dayna and if/when we move we will for sure list our house with Dayna!”- Liz Clark


“We contacted Dayna because we were in the process of moving out of state and were concerned that we might not be able to sell our home, which needed some work. We called

Dayna because she had sold our neighbor's home in one week. Dayna was awesome from the moment we met her. She helped us to identify the things that we needed to do in order to

increase our home's marketability. After completing most of those items, we put our home on the market. We received two offers at our listing price and sold the house quickly! We moved before we closed on the house and Dayna looked out for our house until closing day. Dayna knows real estate! She knows what it takes to sell a house. Her staff is great and makes the

process so easy. Dayna is the best realtor I have ever worked with. She goes above and beyond. She's smart, funny, trustworthy, responsible, knowledgeable and respectful. I would highly

recommend her to anyone in need of a realtor.”- Zillow review 5819166

“Dayna was able to sell my home in Plymouth that had been on and off the market for several years in a short sell state. We had to move out of state for work and the timing to sell was not the best as we all know. Long story short she was able to sell it for us and for more than what we anticipated. The bank was happy and the new owners are too. She is also working with my

son on his first home purchase. She was able to get them into their new home on their first day of appointments in their desired neighborhood and price range. She truly cares about her work and is very involved with helping you make the best decisions. I would definitely recommend

Dayna and her team.”- Tracy Gratton

“Dayna helped my husband and I buy our very first house. She made us feel like there was no such thing as a dumb question and was extremely patient and helpful as this was a huge

learning process for us. We are very grateful to her for making our first home buying experience a successful and enjoyable one. We look forward to working with Dayna in the

future and highly recommend her.” -Zillow review user 80403202

“Working with Dana and her teams was fabulous. From the first time we met her at an open house, to the day of the closing on our new home, Dana was there for us 100%. A great

realtor!”- Zillow review user 0559204

“Dayna really went out of her way to give me excellent service. I was hospitalized while my house was being shown and Dayna brought crucial paperwork to the hospital for my signature.

Her advice regarding staging/ De-cluttering was excellent (if tough to hear) and I ended up having 3 showings in one weekend, receiving 3 offers, and getting $10,000 more than my asking price. She also went the extra mile helping to find a new place for me to buy, pre-

screening options with my daughter and niece when I was not well enough to go myself. She was flexible, professional and fun throughout.”- Zillow review user 0151510


“My husband and I would recommend Dayna to anyone looking for a house. She was quick in responding to our emails/phone calls and was very knowledgeable in all things real estate. She also worked on our behalf when the bank we were working with would not return our phone

calls or emails promptly. Dayna helped us find the perfect home and we will use her again if we ever find ourselves in the house search in the future!” Zillow review user-42082432

“As a first time home buyer, I have TONS of questions for Dayna, and she is always very

prompt and thorough with her answers. She helped me learn what to look for when house hunting and what to avoid. She is a great teacher, and I will recommend her to both first time home buyers and sellers for years to come. Thank you Dayna for being such an amazing and

honest person!”- Zillow review user 163168

“Great to work with. Dayna helped guide us in the direction that would meet all of our needs. She was patient with us when we were indecisive. She made the whole process fun and

entertaining. She has exceptional support people.” Zillow review user 6646128

“Local Knowledge: Dayna was very knowledgeable with the market value of homes in our area. She also had a wide web of specialized professionals, locksmith, home inspector, mortgage

lender, heating and cooling, etc. Process Expertise: Dayna was very knowledgeable in all aspects of the home buying process. She helped us by short sale home and made the process smooth

and easy! We always knew what to expect and how long. Responsiveness: Dayna ALWAYS and I mean ALWAYS responded quickly! She always responded to our emails, texts, phone calls very quickly. She also has an amazing assistant (Kelly) who would be just as quick to respond when Dayna was unavailable. Negotiation Skills: When Dayna works for you she really, really, really

works for you! She knew exactly how and when to ask for closing costs, lower price, include certain items, or to get a quick response from other agents, homeowners, buyers. etc.” - Zillow

review user 7448223

My family and I are truly grateful for such a blessing of an agent! Dayna, is a person of conviction, values and morals. We truly appreciated that she stood by them and always did everything the right way. Always straight forward and honest in all aspects of the process.

Because of her integrity and level of professionalism/standard we were very confident in using her contacts for various sections of the process and received the same level of service. We truly

had a blast and would be sending everyone only to her! p.s.: Dayna you’re the best thank you again for helping our family secure this wonderful house to make our home!” - Zillow review

“Dayna was an excellent agent. Her knowledge was very good with what our house would bring

on the market. Her marketing skills were great. Found Dayna very easy to work with and always had our concerns resolved in a short period of time.

Thank you Dayna.”- Zillow review user 5803538


“Dayna is a wonderful person to have working on your behalf. She is very encouraging throughout the whole process. She and her team go above and beyond to get things done. I am

very pleased that we chose to work with Dayna!”- Zillow review user 315811

“Dayna was a wonderful realtor and person to work with. She was understanding and very patient with our lengthy buying process. We highly recommend her to anyone who is looking to

buy or sell their home.”- Tracy Sodon

“She listened to our needs, gave good advice and counsel using her knowledge of the area and real estate in general, kept us in the loop on what was going on and what was coming next and

was very helpful in every way in a positive, friendly manner.”- Zillow review user 4524458

“This is the 4th home purchase in the last 8 years for our family. We hope it will be the last for many years, because our realtor helped us find our family's dream home. Dayna was a referral

from a colleague and I understand why she gets referred. She worked with us for about 5 months and traveled around with our little kids looking for the right place. Dayna and her

wonderful assistant were more than professional with proactive home searches, immediate responses and tailored ideas for home ideas. She gave us very good advice when it came to

negotiating on the buy side and I know she would do the same on the sell side. She is a must-use if you are looking for a realtor who will listen to your wants. 5 stars for Dayna.” - Zillow

review user 784120

To be continued…. Hopefully with your testimonial next.


Real Estate 101 Real Estate Transaction Refresher This is may be the first time you've ever purchased a real estate property, or it may have been some time since you've been involved in a real estate transaction. Here's a quick refresher on some of the real estate specific terms you'll want to review. Real Estate Brokers and Real Estate Agents Buyer representations agreements are made between Real Estate Brokers and Buyers. A Real Estate Agent or Sales Person works for the licensed real estate broker. In most cases the commission for the purchase of your new home will be paid by the seller to their real estate broker. The seller’s (listing) real estate broker will then pay a split of that commission to us, the buyer’s real estate agent.

The Fair Housing Act The Fair Housing Act, originally passed in 1968 and amended in 1988 is a federal law in the United States that prohibits discrimination in housing. Seven "classes" are protected under the Fair Housing Act. They are:

• Race • Color • Religion • National Origin • Sex • Handicap • Familial Status

You can learn more about The Fair Housing Act at www.HUD.gov. The Multiple Listing Service (MLS) The Multiple Listing Service is a proprietary database of all properties currently under an active listing contract in a given area. We will use this system to set you up on a personalized search that will automatically email you the listing every time a new property matches your criteria.

There are other third party websites that may be tempting but this may get you excited to see a property that is no longer available. These third party sites do not have the most up -to-date information as our local Multiple Listing Service and our broker websites.

We can update and tweak your search at any time to make sure you are receiving every property available to you in your desired criteria at any given time. We also network with other agents to find Non-MLS properties before they become available to the general public.


8 Joyful Stages to Buying Your New Home

Stage One

Buyer consultation (1 hr)

Market & Process Education Analyze wants and needs Sign buyer representation

contract

Stage Two

Meet with a preferred lender (1 hr)

Obtain pre- approval Provide initial documentation

Stage Three

House Hunt (As little as 1 day)

View Properties Go to open houses Write Offer with Agent

Stage Four

Negotiate Offer (1-3 days)

Accept a Purchase Agreement Earnest money will be deposited

Stage Five

Inspection period (5-10 days)

Hire a preferred inspector Negotiate any repairs

Stage Six

Loan Process (15-20 days)

Provide lots of paperwork to your lender multiple times

Pay for appraisal Receive loan disclosure Decide on Home Owners

Insurance

Stage Seven

Packing & Preparing (10-20 days)

Closing & Final Walk-through Scheduled

Setup utilities to transfer to new place

Get certified funds for closing

Stage Eight

Final Walk- Through & Closing (2-3hrs)

Sign paperwork Happy Dance! Get keys & Move in


The Dayna Murray Home Team Guide to Finding Your Home

Pre-Qualification and Pre-Approval How are you paying for your new place?

Cash- Fantastic we will just need a proof of funds letter from you bank and we can get the search started.

Home Loan – Then you will need a pre-approval letter before we schedule your first house hunting appointment.

If you are currently working with a lender, we can direct you to a few lenders that we know and trust. The whole buying process always works more smoothly when we have a relationship and communication expectations with your lender of choice.

The Ten Commandments When Applying for a Loan 1. Thou shalt not change jobs, become self-employed or quit your job.

2. Thou shalt not buy a car, truck or van (or you may be living in it)!

3. Thou shalt not use charge cards excessively or let your accounts fall behind.

4. Thou shalt not spend money you have set aside for closing.

5. Thou shalt not omit debts or liabilities from your loan application.

6. Thou shalt not buy furniture.

7. Thou shalt not originate any inquiries into your credit.

8. Thou shalt not make large deposits without first checking with your loan officer.

9. Thou shalt not change bank accounts.

10. Thou shalt not co-sign a loan for anyone.


The House Hunt

Showing Appointments / Open Houses Our Showing Specialists will be your main point of contact for your house hunt

Experts on the market, always previewing new homes on the market Access to non-MLS properties & hot properties that will need to be seen quickly As you receive listings, you will be able to save them in your portal as favorites,

possibilities or discard them. Some properties may require 24-hour notice or other restrictions on showing

appointments. Be aware that we will need as much lead time as possible to set up showings.

Open Houses can be a convenience for you and your family during the home buying process. Upon entering the open house, please inform the agent hosting the open that you are already working with The Dayna Murray Home Team.

How to Prepare for a “House Hunt”

1. Scout the neighborhood Drive by different times of the day for good picture of what traffic, noise

and neighborhood demographics Is there easy access to major thoroughfares, highways, and shopping? Check with local civic, police, fire, and school officials to find information

about the area Is the home near parks, churches, recreation centers, shopping, theaters,

restaurants, public transportation, schools, etc.? Does the neighborhood belong to a Homeowner’s Association? Talk to people who live there Look carefully at how well other homes in the area are being maintained;

are they painted, are the yards well cared for; are parked cars in good condition, etc.

2. Wear your slip on slip off shoes (many listings require us to remove our shoes when browsing through the property)

3. Pack along an open mind and your checkbook, you may find your house today!


Making an Offer When you've found a home that you're interested in, it's time to make an offer. Don’t be surprised if this happens the first time we go out on a house hunt. As your buyer agent, we will draw up a contract with your offering price and necessary contingencies into a formal contract with many addendums. In addition to a purchase agreement, you will be asked to provide earnest money.

Earnest Money typically equals between 1% to 3% of the property purchase price. The amount will be credited towards the purchase price of the house at closing.

After you've made your offer, the Seller will be able to: 1. Accept your offer 2. Reject your offer 3. Execute a counter offer

A seller in many cases will not accept your initial offer outright. Typical counter offers include modifications to:

Purchase price & closing cost Closing date Inclusions

When you make an offer on a house, you should be prepared for the negotiations to go back and forth several times before both parties agree to the terms. You might also have to compete with other interested buyers in certain market conditions. .

A purchase agreement is not binding until all parties have signed and received a copy of the complete purchase agreement.

Home Warranty Protection Resale Home Warranties

When you purchase a resale home, you can purchase warranties that will protect you. A home warranty program will give you peace of mind, knowing that the major covered components in your home will be repaired or replaced if necessary for the first year. Ask us for more details regarding home warranty choices. Even with a warranty, you should have the home carefully inspected before you purchase it. *Some restrictions and deductibles may apply.

New Construction Home Warranties- When you purchase a newly built home, the builder is required to provide a 1-2-10 Warranty. 1 year on the entire home, 2 years on systems and 10 years on major structural.


Next is the Inspection Period & Appraisal We will request a home inspection as part of your offer. The goals of a home inspection

An objective, independent and comprehensive analysis of the physical condition of your property and check for any safety issues that might otherwise be unknown.

A professional inspector will check on the structure, construction and mechanical systems of the house.

It is intended to report on major damage or serious problems that require repair. Not designed to criticize every minor problem or defect in the home

Inspector may recommend a more comprehensive inspection be performed by a professional from that specific area of concern.

Your inspector will not tell you whether he/she thinks the home is worth the money you are offering or if the home has passed or failed the inspection.

In addition to the overall inspection, you may wish to have separate tests conducted for moisture or the presence of radon gas.

The seller may be willing to negotiate necessary repairs or reduce the price for completion of repairs. The inspection may show that the home will take too much work and money and cancel the purchase agreement, in which case all earnest money will be returned to you.

Below is a list of inspectors with whom we have built relationships and trust through many transactions together. Typical inspection cost between $350-$500

Appraisal Once you have determined that all the inspection concerns have been resolved, your lender will order an appraisal. An appraisal is an estimate of the value of a property made by a qualified professional. Although the primary goal of the appraisal is to justify the lender's investment, it also protects you from overpaying.

Your purchase agreement will be contingent on whether the appraisal comes in at or above the purchase price you and the seller have agreed upon. If the appraisal falls short of the amount you wish to borrow you may be refused a mortgage or offered a smaller amount on the mortgage. We will discuss with you the next steps of re-negotiating or cancelling the purchase agreement at that time.


Final Stretch Title and Closing

This usually brings up a few questions. We have collected and answered some of these frequently asked questions with our preferred title company here for you.

What kind of problems can a title search reveal? A title search can reveal several types of defects in title, liens, unpaid taxes, easements, unsatisfied mortgages, judgments against the property owner and restrictions of use or transfer. encumbrances and restrictions.

What is title insurance? Title insurance is a policy of protection against loss if any of the problems listed above result in a claim against your ownership.

What are the different types of title policies? There are two types of title policies- a lender's policy and an owner's policy. The lender's policy protects the lender's interest in the property as security for the outstanding balance under the buyer's mortgage. The owner's policy protects the buyer's investment in the property up to the face amount of the policy. If there is a problem with your title search, we will be asking you if you purchased this owner’s title policy at the time you purchased your home.

What is a Closing Disclosure? This is a summary of the financial portion of the real estate transaction. The Closing Disclosure will list the purchase price, loan amount, closing costs for both buyer and seller and show all pro-rations and sums to be disbursed by the title company to all parties.

What is pro-ration of property taxes? This is the process of charging either the buyer or seller for their share of real estate taxes owed on the property for their respective time of ownership. Taxes are said to be "pro-rated" back or forward to the due date of the property taxes. What is pre-paid interest? This is interest due from the date of a loan closing to the first day of the following month. Most loans require payments to be due on the first day of the month. Each monthly payment reflects the principle and interest due on the loan for the previous month. A loan closing on the 20th day of the month will require interest adjustment through the 1st day of the following month. The first payment will then be due on the 1st day of the month following. Interest adjustment is considered a settlement charge and will be disclosed on the Closing Disclosure.


Final Walk-through & Closing This is the last chance before closing to make sure everything is in working condition. Take your time during a final walkthrough to ensure there are no surprises after the closing.

Final walk-through is the hour before your scheduled closing time Takes roughly 30 minutes to complete Check for new issues that may have come up Check for repair items were completed as requested on any signed amendments

Once you close on the home, previous owners are not obligated to fix new damages that may have occurred. If we do identify problems, we will discuss available options and take action quickly. Closing A “closing” is the formal meeting or as we call it happy dance day.

Attendees may include all or the following- the Seller, the Seller’s agent, you the buyer, the buyer’s agent, a representative from the lending institution and a representative from each of the title companies.

If financing the property, your lender will require you to sign many documents, including a mortgage on the property as security to the lender for the loan. The mortgage gives the lender the right to sell the property if you fail to make the payments.

At closing, you will be required to pay all fees and closing costs in the form of “guaranteed funds” such as a Cashier’s Check or bank wire transfer. Your lender or the title company will notify you of the exact amount before closing.

Once this important last step is complete, take a deep breath, relax and smile: You are the proud owner of a new home!

Congratulations! It’s Time to Move You have closed on your new home and now you are ready to move! The next few pages contain tips and checklists so that your move is as organized and effortless as possible. Keep detailed records – some moving expenses are tax deductible! * Note: Deductions are outlined in detail in the IRS’s Publication 521, “Tax Information on Moving Expenses,” available free from the IRS offices. Because tax code is constantly changing please check with your CPS to see if these items are still tax deductible.


Moving Checklist Two Months Before Moving

Sort through your belongings to reduce the number of things to move. Have a garage sale or donate items you no longer need. Decide whether to move yourself or hire professionals. Make reservations with

a moving company or truck rental company. Tip: Call three companies for estimates to compare.

Gather packing supplies: boxes, packing material, tape, felt markers, and scissors.

If you’re moving a long distance, make travel arrangements with the airline, hotel and rental car agency. If you’re driving to your new home, get maps and plan your travel route.

Save all moving receipts. Some moving expenses are tax deductible. Check the current tax code for requirements.

Place your legal, medical, financial, and insurance records in a safe and accessible place.

Purchase insurance coverage for valuables to be moved.

One Month Before Moving Start packing items that aren’t regularly used such as off-season clothes,

decorations and items in storage areas (garage, attic and closets). Make travel arrangements for your pets. If you’re driving, have your car tuned up. Get medical records from your doctors, dentist, optometrist and veterinarian. Send items (rugs, drapes, clothing, quilts, bedding) to the cleaners. Back up important computer files to CD or flash drive.

Two Weeks Before Moving Contact your utility companies and notify them of your move. Sign up for services at your new address. Contact your long distance phone company and notify them of your move. Call friends and family and recruit help for the moving day. Confirm your travel reservations. Arrange to close or transfer your bank account, if appropriate. Pick up items in

your safe deposit box.


Packing Tips to Make your Move a Little Easier Gather boxes in all sizes from friends, neighbors and stores. Collect cushioning material such as bubble wrap, Styrofoam pellets, furniture

pads, blankets, plastic bags, tissue paper, newspaper and small towels to use as padding inside boxes.

Create a “portable packing kit” with marking pens, a tape measure, packing tape, twine and scissors. Carry it with you as you pack up items around your home.

Reinforce the bottom of boxes with extra tape for added strength. Label each box with the name of the room in your home where it should be

placed. Number the boxes and keep a list of which boxes go in which room in your new

home. Label boxes containing fragile items with large red lettering. Place china in plastic bags and stack plates upright on their sides, not flat. Pack your TV, stereo and computer in their original boxes whenever possible. Keep boxes to 50 lbs or less. Place heavy items into their own smaller boxes and place lighter items together

into larger boxes. (Don’t pack all your books into one box!) Don’t move flammable, combustible, corrosive or explosive items such as paint,

gasoline and ammunition. Pack a bag of personal items you’ll need during the move (change of clothes,

toiletries, medicine, maps, food and drinks). Keep this bag in an easy-to-find place when you pack.

One Week Before Moving Pick up items from the cleaners, repair shops or friends. Pack a survival kit of clothes, medicines, special foods, etc. to carry you through

the day while you unpack. Finish packing all boxes except what you will need in the final week. Inform the post office of your upcoming move.

Send Change of Address Cards with Your New Address and Phone Number to: Friends and family. Banks, insurance companies, credit card companies and other financial

institutions. Magazines and newspapers. Doctors, lawyers, accountants, agents and other service providers. State and federal tax authorities and other government agencies as needed. Workplace, schools, Alma Maters and place or worship.


The Day Before Moving Set aside moving materials such as tape measure, box cutter and rope. Pad corners and stairways of house. Lay down old sheets in the entry and hallways to protect floor coverings. Remove hanging fixtures which are not included in the sale of your home. If you are moving yourself, pick up the rental truck and a dolly to move heavy

boxes. If you are driving, check oil, tire pressure and gas in your car. If you are flying, make sure you have tickets, charge cards, identification, etc.

Moving Day!!!

Carry with you… The keys to your new home. A map of your new town and directions to your home. The telephone number of the moving company. Cash or traveler’s checks. Documentation related to the sale of your home. Your insurance policies and agent’s phone number. Your current address book or personal planner. Prescription and non-prescription medicines. Enough clothing to get by if the movers are delayed. Any items of great personal value to you which are irreplaceable. Back-up copies of important computer files. Sheets, pillows, towels and toiletries for the first night in your new home. Cleaning supplies which you will need before boxes are unpacked.

Arrival Day Show movers where to place furniture and boxes. Check inventory to ensure that everything was delivered before signing delivery

papers. Note any damages on the inventory sheet. Unpack any valuable items, such as silver, art and jewelry upon arrival.


Helping Children Cope with the Move

Show the children the new home and their new room prior to moving. If this is not possible, pictures or videos will help them visualize where they are going.

Assure children that you won’t forget their friends.

Make a scrapbook of the old home and neighborhood.

Throw a good-bye party. At the party, have their friends sign a t-shirt.

Have your children write good-bye letters and enclose their new address. You

may wish to call the other children’s parents so that they will encourage return

letters.

When packing, give your children their own boxes and let them decorate them.

Start a scrapbook for your new home.

Visit your children’s new school, park, church, etc… Take a camera.

Help your children invite new friends over to your new home.

Let your children choose a new favorite restaurant. This will help them feel in

control of their new environment.

Encourage your children to send letters about their new home to their friends.

Involve your children in groups, sports, and activities like the ones they used to

participate in.

Remember, even if you only lived in a home for a few years, to a young child it is

nearly their entire lifetime


New Home Checklist Heating System Check filters every month Have annual system maintenance service done one month before the heating season

Electrical System To prevent power outages, limit the number of appliances plugged into one circuit.

Air Conditioning Check filters every month and have annual system maintenance service done one month before the air-conditioning season begins. Keep the condensing unit free of debris (outside).

Microwave Do not use pans or dishes that are metal or have metallic trim. Only use mild soap and/or baking soda to clean the interior. Abrasive cleaners or scouring powder can damage the lining.

Refrigerator Clean the interior shelves, shell and gasket every three months. Once a year, clean the coils on the back or underneath.

Range/Oven To avoid damaging the burners, do not use extra-large/heavy cooking pots and pans. If you have a self-cleaning oven, do not use any other method to clean it.

Dishwasher Mineral deposits on the heating elements can be cleaned with vinegar. Be sure dishes don’t block or damage the spray arm.

Garbage Disposal To clean the disposal, push a full tray of ice cubes through it while running cold water. Always remember to run water during use and for at least 2 minutes after you finish to prevent stoppages.

Washer/Dryer Clean the lint screen after each load of clothes has been dried and the unit is empty. Clear the exterior vent every six months to prevent a fire.

Trash Compactor Replace the deodorant supply regularly to prevent odors.


And Our Sincerest Thanks…

Thank you for taking the time out of your busy schedule to learn a little more about us and how we can help you achieve the goal of selling your home. The Dayna Murray Home Team takes great pride in our careers and in the Company for which we work.

As part of the Keller Williams Family, you get not only myself and my team but the entire company working on your behalf to get your home sold. As an innovative, positive thinking real estate consultants, our work ethic and professionalism are second to none.

If you should have any questions, please feel free to contact any of us right away.

We welcome the opportunity to work with you in achieving your next real estate goal. It’s what we do best!

Gratefully,

The Dayna Murray Home Team

Dayna Murray, Kelly Zwilling, Brett Goda & Kendall Clark

Documents

The Dayna Murray Home Teamimages.kw.com/docs/0/7/0/070052/1455221504051_Buyer_s_Market… · the team relies entirely on fantastic customer service. With Dayna, the Listing Specialist,