Buyer Proposal Generic

Why Choose Kayleen Park?Why Choose Kayleen Park?

Kayleen ParkBroker Associate,

REALTOR®

As the REALTOR® you have chosen to exclusively represent you in the purchase of your new home, I promise that I will:

1. Provide you with 10+ customer service during the entire buying process..

2. Organize and schedule your home search process.3. Discuss the benefits and drawbacks of each home in relation to

your specific needs.4. Provide you with on-going updates on available homes.5. Help you to compare homes and make a decision.6. Advise you on the terms and issues of the offer and fill out the

purchase offer contract.7. Present your offer and negotiate on your behalf.8. Coordinate and supervise the preparation of all closing documents

and guide you through the closing process.9. Help you resolve any closing issues.10. Coordinate move-in and assist with any post-closing issues.

Welcome! You are about to embark on the exciting journey of finding your ideal home. Whether it is your first home or your tenth, a retirement home, or an investment property, I will make your home-buying experience fun and exciting. I can help you find the ideal home with the least amount of hassle; and I am devoted to using my expertise and the full resources of my office to achieve these results!

Kayleen Park has over 13 years experience in sales, marketing and customer service. My ambition reflects my entire lifestyle -- professionally and personally. I am an energetic individual with a strong work ethic who thrives on handling multiple tasks and responsibilities.

I have lived in the metro-Denver area since 1993. My goal is to provide the best possible customer service to all my clients. Please contact me to discuss your real estate needs whether you are an investor, looking to purchase your dream home or sell your current home. Education & Professional Memberships:•BA: Marketing & Management •MLS Certified •South Metro Denver REALTOR Association •Colorado Association of REALTORS (CAR) •National Association of REALTORS (NAR)

I am a REALTOR® and have taken a pledge to abide by a strict Code of Ethics. Not every Real Estate Agent is a REALTOR®!

During my free time, I enjoy spending with my husband, James, son Liam, family and friends. I am a member of MOMS Club and Southeast Christian Church. I love the Colorado outdoors and our average of 360 days of sunshine. My favorite activities are working out, running, skiing, hiking and going to dinner and the movies.

About MeAbout Me

Core Values Prestige Real Estate Group, LLC

TeamThe power of “One” results in a powerful team. Teamwork is expected at The power of “One” results in a powerful team. Teamwork is expected at

every level of our company. every level of our company.

BelieveWe believe in people who believe in themselves. We believe in people We believe in people who believe in themselves. We believe in people

who want to grow personally & professionally. who want to grow personally & professionally.

PassionWe have a passion for integrity, fairness and excellence. We succeed We have a passion for integrity, fairness and excellence. We succeed

when we surpass our expectations.when we surpass our expectations.

RecruitWe strive to recruit the best agents and staff. We provide our realtors and We strive to recruit the best agents and staff. We provide our realtors and

clients the right technology, tools, services and marketing advantages clients the right technology, tools, services and marketing advantages to help them meet their goals. to help them meet their goals.

CultureWe believe in an environment of mutual respect and courtesy. We We believe in an environment of mutual respect and courtesy. We

provide an environment of support and training.provide an environment of support and training.

TrustWe trust our leaders to make decisions that are best for every level of our We trust our leaders to make decisions that are best for every level of our

company. Our partners trust each other. company. Our partners trust each other.

Five Areas of ImportanceWhen Buying a Home

Five Areas of ImportanceWhen Buying a Home

1. Determining Who Represents You

2. Realizing Your Goals in Purchasing

3. Understanding the Process from Start to Finish

4. Staying Focused on the Goals

5. Allowing Flexibility

Who Represents You?Who Represents You?

• Designated Broker: we prefer to represent you

• Seller Agent: works solely for the seller

• Buyer’s Agent: works solely on behalf of buyer

• Transaction Broker: assist buyer and seller through transaction

• Customer: a party to the transaction that is not being represented

• Client: a party to the transaction that has an agency relationship

Our Broker RelationshipsYou Have a Choice

Our Broker RelationshipsYou Have a Choice

In all relationships, we have a duty to act

honestly to both the buyer and seller.

YouYou

DesignatedBroker

DesignatedBroker

TransactionBroker

TransactionBroker

BuyersAgentBuyersAgent

When SellingMy Listing

Transaction Broker


Transaction Broker


Transaction Broker


Transaction Broker

Services You Can Expect To Receive

From Your Buyer Broker

Services You Can Expect To Receive

From Your Buyer Broker

• Help You Get Pre-qualified For a Mortgage Loan

• Schedule Showings. I can show you NEW and RE-SALE homes.

• Negotiations on Your Behalf

• Fiduciary Duties

• Disclosure of Adverse Facts

• Market Trends

• School, Shopping Information

• Accounting

Services You Can Expect To Receive:

From a Transaction Broker

Services You Can Expect To Receive:

From a Transaction Broker

• Help You Get Pre-qualified For a Mortgage Loan

• I Will Keep Confidential• Your Motivation to Buy• Willingness to Pay More• Willingness to Offer Different

Terms

• Provide Information on Market Trends

• School, Shopping Information

• Eliminate Vicarious Liability

• Write and Present All Offers

Key Benefits to YouI Will:

Key Benefits to YouI Will:

• Listen to Your Needs

• Provide Information on all Homes

• Validate Listing Information

• Prepare, Submit and Follow-up on Offers

• Coordinate Process from Contract to Closing

• Provide you with Open and Honest Communications

Pre-Qualification and Pre-Approval

Many buyers apply for a loan and obtain approval before they find the home they want to buy. Why? Pre-qualifying will help you in the following ways:

1. Generally, interest rates are locked in for a set period of time. You will know in advance exactly what your payments will be on offers you choose to make.

2. You won’t waste time considering homes you cannot afford.

Pre-approval will help you in the following ways:1. A seller may choose to make concessions if they know that your financing is secured. You are

like a cash buyer, and this may make your offer more competitive. 2. You can select the best loan package without being under pressure.

HOW MUCH CAN YOU AFFORD?There are three key factors to consider: 1. The down payment 2. Your ability to qualify for a mortgage 3. The closing costs associated with your transaction.

DOWN PAYMENT REQUIREMENTS:Most loans today require a down payment of between 3.5% and 5.0% depending on the type and

terms of the loan. If you are able to come up with a 20-25% down payment, you may be eligible to take advantage of special fast-track programs and possibly eliminate mortgage insurance.

CLOSING COSTS:You will be required to pay fees for loan processing and other closing costs. These fees must be

paid in full at the final settlement, unless you are able to include them in your financing. Typically, total closing costs will range between 2-5% of your mortgage loan.

QUALIFYING FOR THE MORTGAGE:Most lenders require that your monthly payment range between 25-28% of your gross monthly

income. Your mortgage payment to the lender includes the following items: • The principal on the loan (P) • The interest on the loan (I) • Property taxes (T), • The homeowner’s insurance (I). Your total monthly PITI and all debts (from installments to revolving charge accounts) should

range between 33-38% of your gross monthly income. These key factors determine your ability to secure a home loan: Credit Report, Assets, Income, and Property Value.

• I’ll Provide You Information and Mapping on Each Property

• Openly Discuss the Pros and Cons of the Property Condition, Location, and Price

• We Will Review if the Property Meets Your Needs

• Consider Either Including or Eliminating Before Going to the Next Property

When Previewing HomesWhen Previewing Homes

• How Will Title be Taken?

• What’s a Reasonable Amount of Earnest Money?

• Is Financing in Place?

• Any Special Needs or Contingencies?

• I’ll Prepare All the Forms You’ll Need to Sign.

• I’ll Provide You with Market Trends.

• I’ll Be Presenting your Offer to the Listing Agent or Seller.

• I’ll Convey Any Responses to Your Offer to You.

Making an OfferMaking an Offer

1. Bring a Picture ID Such as a Drivers License

2. For Your Closing Funds, Bring a Certified Check Made Payable to You. At Closing You Will be Instructed to Endorse the Check Over to the Appropriate Party.

3. The Closer Will Then Review and Ask You to Sign All of the Loan Documents Required to Transfer Title From the Seller to You.

4. The Closer Will Then Review and Ask you to Sign all of the Loan Documents Required by the Lender.

5. The Closer Will Collect All Documents and Disperse All Funds Required to Finalize the Transaction. At This Point the Property has Closed.

6. You Will be Given Keys to Your New Home and a Complete Packet of Documents at Closing for Your Records. Congratulations!

We Will Need to Establish a Walk-through on Your New Home 24-48 Hours Prior to Closing

What Will Happen at Closing?What Will Happen at Closing?

• I Will Provide You with Progress Reports to Make Sure we Meet the Terms and Dates of Your Contract.

• You Will Receive Copies of Addendums or Amendments to the Original Contract.

• I Will Guide You Through the Home Inspection Process.

• I Will Monitor the Progress of Your Loan.

• I Will Promptly Respond to Any Challenges That we May Face Along the Way.

Services from Contract to Closing

Services from Contract to Closing

You Have Many Choices of Realtors

I appreciate the consideration of

working for you and look forward to

giving you outstanding service.

Please Call Me Today

Kayleen ParkBroker Associate, REALTOR®

Cell: [email protected]

Thank You For Entrusting MeWith Your Real Estate Needs!

Thank You For Entrusting MeWith Your Real Estate Needs!