Coldwell Banker®

Buyer Services Presentation

A look into the program and the benefits

Prepared by… Coldwell Banker Hearthside * Malvern

On behalf of all the ownership team, management and the agents of Coldwell Banker Hearthside,
please allow us to thank you for the opportunity to explain why we feel our value is the one that will
benefit you most as you purchase one of your most important investments.
In this unique real estate environment, the team who offers the most in the way of top-quality tools
and competitive services is the one you should trust with your business. With the support of the
strongest real estate brand in the nation, Coldwell Banker Hearthside offers a tremendous array of
services to buyers in every price category and geographic region.
Our affiliation with Cartus Corporation – one of the largest single providers of relocation services in
the world – means that Coldwell Banker Hearthside agents are working with relocating employees in
almost every market we serve.
As you will se in the pages that follow, the Internet consumer has been a driving force behind market
change. Our company has studied this consumer thoroughly, and with the assistance of firms
throughout the nation has put together a top-tier internet service team to maximize our ability to meet
their needs. The studies also show, however, that these consumers value the local knowledge of a
Realtor, which is why each of our offices is comprised of the industry’s best agents.
Having formed key relationships with mortgage, title and insurance providers, as well as having
created one of the strongest Coldwell Banker Concierge programs in the nation, we feel we can also
offer “one-stop shopping” that is far superior to what many other firms advertise.
We hope you will realize through the material presented in this package that Coldwell Banker
Hearthside offers you the important resources necessary to help in the purchase of your home. We
look forward to added you to our list of clients who have realized that at Coldwell Banker…We never
stop moving.
Coldwell Banker
 Legacy and Network
– Global presence; in 49 countries and 3,324 offices
worldwide
– Over 100 years of real estate experience
– $226 billion in sales volume globally in 2008
– Transaction sales amount was 10% higher than the industry
average
– Coldwellbanker.com generates over 390,000 consumer
inquiries per month and is the most visited national real
estate franchise brand online
– Our agent network comprises of agents who made up 25%
of the 2008 Real Trends 500 Report by sales volume; this is
76% higher than the nearest competitor.
Training Magazine’s Top 125
Office Locations
#1 Coldwell Banker affiliate in Pennsylvania

Largest Coldwell Banker in Pennsylvania

18 Residential Offices
Commercial Division

Award winning Relocation Division

Our Relocation Networks
With connections in more than two-thirds of the FORTUNE 50 companies
Coldwell Banker Hearthside represents about 70% of all the area relocations.
Award Winning Service
In the past year Cartus Broker Network
member brokers have closed more than
65,000 home sales (roughly $18 Billion)
while serving the relocation needs of
some of the nation’s largest firms.
Each year the staff at Cartus evaluates
its member brokers based on a high
performing metrics system. Those who
exceed the goals (which is less than one
percent of members) are designated as
Platinum Brokers for the following
year. Coldwell Banker Hearthside is
proud to have achieved Platinum
status in multiple years.
Focused on Results
Cartus Network Brokers represented
homes on market for 12% fewer days
(approximately 3 fewer weeks) than did
non-Network brokers.
A Dedicated Staff
Dealing with large relocation networks
requires a full-time staff commitment.
Unlike many real estate brands that
claim to have mastered the corporate relocation
business, we have a full-time
division of professionals who handle our
relationships with the top relocation
providers - and who are known in the
industry for their management ability.
A Benefit for all Sellers
Even if you do not work for a company
with a national relocation contract you
benefit from this relationship, as our
firm also manages incoming employee
moves for the majority of these firms.
That means our agents are often the
ones introducing new employees to our
area and to the homes for sale with
Coldwell Banker Hearthside
Our Other Core Services
You’re busy. We know it. That is why we keep you connected
with every service provider necessary to complete the transaction.
Mortgage Mobility, LLC.
In this time of fly-by-night internet
lenders and buyers finding themselves
without a loan on settlement day, we
feel it is important to have a top-notch
partner in the mortgage industry. The
team at Mortgage Mobility has been
named “Best of Bucks-Mont” two years
in a row. They have a dedicated, full
time staff who care about the consumer
and make sure their clients come to the
settlement table confident they are
going to be able to close on their new
home.
While we try our best to ensure buyers
are prequalified by a reputable lender,
you can always ask for a review of that
commitment by a Mortgage Mobility
professional.
Coldwell Banker Concierge
Dogwalking, painting, electrical service.
You name it, we can find it - and we only
refer insured, bonded professionals.
Conveyancing & Closing Services
Are the certifications all in place? Have
the buyers received title insurance?
These are all questions sellers face each
time they agree to sell their home. Our
internal staff watches over all the tiny
details, keeps you in the loop, and makes
your settlement day a breeze.
In many firms, individual Realtors are
tasked with conveyancing - the term for
bringing your file through to settlement.
At Coldwell Banker Hearthside, we
make sure dedicated, knowledgable pros
are working with your file and handling
any issues that arise.
Insurance, Insurance, Insurance
When buyers need insurance to protect
their purchase, we are there. We have
relationships with Property & Casualty,
Title and Home Warranty providers
who can make sure everything is under
control.
Search for Homes by School District
Get Market Updates On Twitter
There are millions of twitter users throughout the world (the Our new twitter-feed service
company does not release actual usage numbers).  Athletes, allows buyers to follow any school
corporate execs and journalists everywhere are now using this district where they may have
140-character micro-blogging service to send quick bursts of interest in moving, to get new
data (tweets) to people around the internet who want to follow listings "by tweet" every day, and to
along. get market data  for that district
fed in a purely social manner. 
When the search is done, just un-
follow that district and the data quits
flowing without delay. Just as
important to us, if you want more
information on that district just
DM that account and we'll get right
back.
Meeting Your Needs
Action Plan to Find Your Home
•Complete the ideal home survey sheet
•Complete the financial information questionnaire
•Indicate criteria for community selection or specify specific communities
•I will connect you with a mortgage representative to discuss pre-approval
•We will review the ideal home and community criteria and reconcile that with your mortgage
qualification if necessary
•I will search the MLS and other sources available to me in order to prepare a list of candidate
properties
•I will set up appointments to see the selected homes.

The remaining plan of action will depend

upon our success with the initial list of
candidate properties. We will either proceed
to the settlement process if we find the right
home during our initial search, or continue to
monitor the market in the event that we were
unable to find the right home from those
currently available for sale.
Home Finders’ Profile
What’s important to you?
Please share your thoughts with me.
Your 3 major criteria in selecting a real estate company:
1.
2.
3.
Your 3 major criteria in selecting a Sales Associate:
1.
2.
3.
What’s important to you?
Please share your thoughts with me.
Your 3 major buyer needs:
1.
2.
3.
Your 3 major concerns about buying a home:
1.
2.
3.
 The home you are looking for...
FEATURES (Specify your Preference) LOCATION
Preferred style (colonial, _____________
ranch, townhome, etc.) _____________ Convenient to work ____
Number of bedrooms _____________ Convenient to transportation ____
Number of bathrooms _____________
Family room _____________
Convenient to schools ____
Bonus/Game room _____________ Convenient to shopping ____
Fireplace _____________ Near recreation facilities ____
Home office _____________
Kitchen amenities _____________ Neighborhood ____
Basement _____________ Other ____
Garage (no. of cars) _____________
Central air conditioning _____________
Lot size _____________
Pool _____________
View _____________
Other _____________
Why Choose Buyer Representation
 My Commitment to You
•Property Search
I will appraise your particular criteria for a house and neighborhood, then search for properties that fit those
specifications. I will set appointments for showings and monitor the market as new listings become available.
•Market Data
Market value is determined by many factors, including the availability of similar properties at competitive prices,
location, condition, and most of all the price that a knowledgeable buyer is willing to pay. I will provide market data to
help you establish an offering price.
•Purchase Offer
There may be other considerations besides price that are equally important in structuring a purchase offer. The
terms and conditions of the offer, amount of deposit and possession date are likely to be factors when an offer is made.
I will help you in your preparation of a purchase offer.
•Negotiating

When a purchase offer is made, the sellers may be concerned with certain aspects including the ability of the
purchasers to fulfill their agreement, the terms and conditions of the offer, the breakdown of closing costs between
buyer and seller and even the motivations and lifestyle of the prospective new owners! I will help structure a
negotiating strategy that will create the desired result, a new home.
•Handling Details
A lot has to happen between signing the purchase offer and moving into a new house. I will attend to the details and
keep you in touch with the transaction each step of the way.

Sellers list their homes with real estate agents to ensure professional representation throughout the home
selling process. As a buyer, you deserve the same kind of service!
The Search Begins
Buying Your New Home. Congratulations!

When using a Coldwell Banker®

Sales Associate, you will feel
confident your search for a new home
will be very successful.

Let’s get started!

 The prices that sellers ask
Many factors affect the price that sellers ask for
their houses.
Physical characteristics of the house:
– Location
– Age
– Size of house and lot
– Physical condition
– Floor plan and style
Competition:
 Number of properties available
 Their prices and terms
 Their location and physical condition
 How long they’ve been
on the market
Market conditions:
 Interest rates
 Availability of financing
 Qualified buyer demand
 Prices of recent sales
 State of the economy
 Seasonal demand
Asking price also may be affected by:
 Seller’s motivation to sell
 Seller’s original purchase price
 Seller’s need for cash
 Opinions of others
The value of a Competitive Market Analysis
As your buyer’s agent, I will prepare a Competitive Market
Analysis with information on properties similar to the one you’re
considering. It will describe homes that:

• Are currently on the

market
• Sold recently
• Failed to sell

This comparative data will help you decide whether the

home you like is worth the price.
Online Access

coldwellbanker.com provides
access to over 600,000
properties. You can also find our
properties on your smartphone!

A few unique features include …

Coldwell Banker On LocationSM

 Coldwell Banker On Location is the first

dedicated video real estate channel on
YouTube
 Video topics include:
 Agent videos
 Office videos
 Video listings
 Community videos
 Smart tips and news related videos
 Allows buyers to search for videos via a map
 First to use dynamic IP lookup on the channel
Multiple Listing Service
I can show you any property listed through the Multiple
Listing Service (MLS).

 Our office offers area-wide multiple listing

information that shows thousands of
broker-listed homes for sale, regardless of
the seller’s agent.
 I can help you “visit” many of
these homes online or on paper.
 I will show you the properties that meet
your criteria.
Yard signs and open houses
A yard sign or open house can let you know a home is
available, but I can help you know if it’s worthwhile.
 I can arrange private showings of homes displaying an
“Open House” or “For Sale” yard signs.
 When visiting an open house on your own, give the
salesperson my card and tell them that I am your agent.
Making The Purchase
Completing the purchase
A successful purchase involves several important
elements: • Full written disclosure
• Offers and negotiations
• The purchase agreement
• Professional inspections
• Title insurance and
appraisal
• Walk-through and final
closing
• Home warranty
Full written disclosure protects your best interests
The Seller’s Disclosure Statement reveals information that may
affect your offer to purchase.

I will thoroughly review the

Seller’s Disclosure Statement
with you, and help you
determine how it might affect
your offer.
Preparing the offer…

As your buyer’s agent, I will work to:

 Prepare an offer that will meet your

needs and provide a solid basis for
negotiating with the seller.
 Apply information from the Competitive
Market Analysis that will determine a
realistic offer.
 I will present your written offer to the I will communicate to you the seller’s
sellers and negotiate on your behalf. response and, if necessary, suggest further
negotiating options.
 The sellers will have the choice of:
– Accepting your offer as presented
– Rejecting it completely
– Countering it
An accepted offer leads to a legally
binding purchase contract

The purchase contract

Contingencies
Attorney review
The closing process
Title insurance will protect your interests in
the property

A title insurance policy:

 Is based on a search of
public records that
discloses whether any
others have a legal claim to
the property
 Insures you against loss
due to certain title defects
An appraisal provides independent confirmation
of the value of the home
An opinion of the property’s value by an
independent fee appraiser:

 Compares the value of the home to others of

similar size, features and location

 Is usually required by lenders

 Can give you additional confidence in the

value of the property
A home warranty can protect you from
unforeseen risks

 Provides repair-or-replace
coverage
 Gives you peace of mind
 Can be purchased by you or by
the seller, as agreed upon in the
contract

I will provide you with the details of a

Home Protection Plan.
A walk-through prior to closing…
Lets you confirm the condition of the property.

 A thorough walk-through will help

you determine if the property is in
the condition you expect.
 I will accompany you.
 Should a concern arise during the
walk-through, I will assist you in
resolving it.
Financing Your Home
Mortgage pre-approval

Being pre-approved for a

mortgage can greatly improve
your negotiating position.
 Sellers and their agents know
that a pre-approved buyer is a
serious one.
 Speaking now with a
mortgage specialist will give
you a loan decision well in
advance of making an offer.
 The financing process
Financing your home is an involved process. I’ll help you through it.

1. Loan application is completed and submitted to lender

2. Lender orders appraisal, credit report, verification of
your employment and assets
3. Lender provides a good faith estimate of closing and
related costs, plus initial Truth In Lending disclosures
4. Lender evaluates application and support documents,
approves loan and issues letter of commitment
5. Closing is held, loan documents are signed and the
loan is funded
6. Lender disburses funds to the settlement or closing
agent, seller is paid and title to the home is yours
7. Required documents are recorded at the County office
of records
Applying for a mortgage...
is the first step after your purchase offer is accepted.

The lender may request copies of:

 Current pay stubs

 Bank statements
 Credit card statements
 Investment/brokerage firm statements
 Loan statements
 Tax returns, usually for two years

Your mortgage application can be processed more

easily if you are prepared with these documents.
 Let’s estimate the expenses of buying a home
Property Address: ____________________
Sales Price: ____________________
Down Payment: ____________________
Amount Financed: ____________________
BUYER’S COSTS:

Loan Items:
Loan Origination Fees $________ Recording Fees:
Appraisal Fee $________ Recording Fees $________
Credit Report $________ Tax Stamps $________
Additional Loan Fees $________ Other fees $________

Prepaid Items: Additional Settlement Charges:

Interest $________ Survey $________
Hazard Insurance $________ Pest Inspection $________
Mortgage Insurance $________ Home Warranty $________
Taxes $________ Home Inspection Fee $________
Assessments $________ Assessments $________
Other Fees $________ Other Fees $________
Expenses continued . . .
Total Settlement Charges $_____________
Down Payment $_____________
Total Estimate of Buyer’s Costs:
$_____________
Amount Financed $_____________
Interest Rate _____________%
Term _____________
Estimated Monthly Payment:
Principal and Interest $_____________
Mortgage Insurance (PMI) (if any) $_____________
Taxes $_____________
Insurance $_____________
Homeowners Assoc. Fee (if any) $_____________

Total Monthly Payment $_____________

Note: This estimate has been prepared to assist the buyer in computing costs. Lenders and other related services
will vary in their charges; therefore, these figures are not and cannot be guaranteed by your local Coldwell
Banker® office, or by a Coldwell Banker Sales Associate.
Writing the Offer
Once you’ve found the perfect home, I will write up the offer and
ensure all paperwork and activities are completed so you can close
on your property.
The Closing

This is the meeting where the

transaction is finalized. I will
guide you through all closing
procedures to make your home
officially yours.
 In Conclusion
You should choose

Chuck Yeager because:

I Am Ready To Go To Work For You

Now!

 I will provide you with excellent service and support as guaranteed.

 I have made a thorough market analysis of your new home.

 I have developed a winning search plan.

 I will make every effort to find your perfect home.

 I have the resources of Coldwell Banker Hearthside Realtors