Learn about the process of buying a home in Colorado.

1. Julie Ryder
Realtor, PMP

2. My Mission
To help you find the best house that fits
your needs in the time frame you select
with the least amount of stress and
inconvenience as possible
Credentials
Realtor for 10 years
Project Management Professional (PMP) Certification
Master’s degree in Management
Bachelor’s degree in Psychology & Management

3. What My Customers A S i
Wh t M C t Are Saying
Mary Jane Zehnpfennig, MA OTR/L, Executive Director of Therapy in Action, and Real Estate
Investor.
Some say never do business with friends, however, in this instance they are wrong, Julie is an
outstanding business woman! Julie has brokered various commercial and residential properties
for me. I am always impressed how efficiently Julie researches and manages her multiple
projects. She may be tiny in stature, but she is a tough negotiator, who never alienates the
opposing party. It is with utmost confidence that I recommend Julie. One caveat thought, if you
find yourself playing Pictionary with her get on the other team. While Julie is drawing
masterpieces, your opponents have already won the round.
Tim Fogle, Executive Director of The Mercy Center, and Real Estate Investor.
I have known Julie professionally for years, and her marketing abilities and people skills
have benefited me more times than I can count. Her brochure designs and other marketing
materials always catch the eyes of potential clients, and they have been instrumental in
her and my success. She also has an amazing ability to work well with the broadest
spectrum of people I have ever seen, making her an asset in any organization.

4. Buying a Home is a Complex Process
Finding Your Home Working with a Buyer’s Agent
How Much Home Can You Afford? Agency Options
Financing Your Home The Mortgage Process
Documents Needed to Apply for a Mortgage Making the Offer
Negotiation to Contract Closing the Transaction
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5. Defining Your Housing Priorities
fi i i i ii
I ll
I’ll help define your housing priorities
by discussing your specific needs,
wants and desires. Then
we’ll create an organized plan and
timeline for your property search.
My commitment to you is to deliver
Premier Service.

6. Agency O i
A Options
Buyer’s Agent
B ’ A t
A buyer’s agent represents you, the buyer, during the home buying
process. The agent has a fiduciary responsibility to represent only the
home buyer’s best interest in all aspects of the home buying
transaction.
Seller’s Agent
A seller’s agent represents the home seller. They may assist the buyer,
but do not represent the buyer and must place the interest of the home
seller first. The buyer should not tell the owner’s agent anything the
buyer would not want the owner to know because an owner’s agent
must disclose to the owner any material information known to the
agent.
Transaction-Broker
A Transaction-Broker assists the buyer or seller or both throughout a real
seller,
estate transaction by performing the terms of a written agreement without
being an agent or advocate for either party.

7. Working with a B
W ki ith Buyer's Agent
' A t
Unlike a seller’s agent, or a transaction-broker, a
buyer’s agent has total loyalty to the home buyer
and will:
Listen to the home buyer’s needs, wants and desires and stay within
the scope of delegated authority
Solely represent the home buyer’s interest in any and all negotiations
buyer s
and transactions involved in the home purchase process
Fully disclose all information about the transaction that might affect the
home b
h buyer’s b t i t
’ best interestt
Actively work to reduce the final price of the house
Keep home buyer’s confidences even after the agency relationship
ends

8. The Mortgage Process
Complete loan application
Verification of financial, employment information
Home appraisal ordered
Good faith estimate of closing costs and truth in lending disclosures
Loan application evaluation
Loan approval and l tt of commitment
L l d letter f it t
Closing is scheduled
Closing is held, signing of documents and funding of loan
Disbursement of funds by lender
Seller is paid and the home title is transferred to you
Documents are recorded at the county office of records

9. Documents Needed to A
Apply f a Mortgage
for
Two years of W2’s and one month of pay stubs (if you are
salaried)
Two years of tax returns and a Year-To-Date Profit and Loss
y
Statement
(if you are self-employed)
Three months of bank statements for each bank, mutual fund,
and/or investment account
d/ i t t t
A current statement from your stock, retirement, and/or 401K
statement
If you own rental property, provide t
t l t id two years of t returns
f tax t
and current rental agreements
A copy of your divorce decree if applicable
If you are not a citizen, provide a copy of the front and back of
citizen
your green card
A copy of your Homeowners Insurance Declaration Page (for
refinancing)

10. Finding Y
Fi di Your Home
H
Property Search
I will provide information and develop a strategy to insure that you are
effectively offered the opportunity to view and evaluate as many relevant
p p
properties as p possible.
Property Showing
I will show you the properties that meet the criteria you have selected.
Property Evaluation/Disclosure
I will give you my expert opinion and advice on each property viewed and
disclose any defects known to me including any information that might affect
y
your purchase decision.

11. Factors Aff i the Price of a Home
Affecting i f
Depending upon market conditions, it is the starting point from which to negotiate the actual price of a
conditions
home. The actual market value is determined by what a buyer is willing to pay.
The second most important factor in the buyer’s mind is location. The proximity to area amenities
and schools is typically a concern. In addition, street traffic, access to expressways and public
transportation are considerations.
The structural and mechanical integrity, as well as the upkeep and cosmetic appeal of a property affect
a home price. Neutral décor, including floor and wall coverings, appliances and fixtures, offer the
broadest appeal to buyers.

12. Factors affecting the Price of a Home
ff i i f
Interest rates competition from other properties the economy and consumer confidence all influence
rates, properties,
the sale of a home. Each of these factors plays an important role in the ultimate purchase price of a
home. An offer to purchase must be tailored in response to market conditions.
The terms of a purchase can make or break the contract. House sale contingencies, closing
dates, and inclusion of accessories or fixtures should be handled clearly and up front in order to
avoid any confusion that could affect the purchase.

13. Making th Off
M ki the Offer
Offer Preparation
I will prepare a written offer on the property you choose to purchase
and include the terms approved by you.
Offer Presentation
I will present your purchase offer to the seller or the listing associate.

14. Negotiation to Contract
i i C
I will discuss and review the best negotiation strategy in
order to acquire the property of your choice. I will:
Present your purchase offer and diligently promote your interests
Negotiate the best price and terms on your behalf, except when
N ti t th b t i dt b h lf t h
acting as a Transaction-Broker I will act assist both parties.
Report to you promptly on counter-proposals or counter-offers and
advise you on next steps.
Advise you of all appropriate contract changes/additions for your final
written execution of the contract
To protect your interests, and maintain the strongest negotiating position
you should discuss the following information with potential sellers or other
real estate agents:
Reasons for purchasing a home
Urgency to purchase a home
Maximum funds available to purchase a home
Financing terms you would consider
Corporate relocation timeframes and benefits
p
Any personal confidential information

15. Closing th T
Cl i the Transaction
ti
Prepare for the Closing
I will track the progress of the sale and keep you informed as to your
needs and responsibilities every step of the way.
Final Walk-through
I will accompany you on your final property walk-through prior to
closing (if agreed to in the sale contract) and assist you with solving
any p
y problems that may be discovered.
y
Closing the Transaction
I will work with you and all of the involved parties to ensure that the
required and appropriate information is available — facilitating a
q pp p g
smooth closing.

16. Checklist For Your Family Move
C i i
Send Change of Address to:
Post Office: give forwarding address
Charge accounts, credit cards
Subscriptions: notice requires several weeks
Relatives and friends
Don’t Forget:
Bank: transfer funds arrange check-cashing in new city
funds, check cashing
Insurance: notify new location for coverage: life, health, fire, auto
Automobile registration: transfer of car title registration if necessary; also
driver’s license, city windshield sticker, motor club membership
Utility companies: gas, light, water telephone perhaps fuel; get refund of
gas light water, telephone,
deposits; arrange for immediate service in new location
Route deliveries: laundry, newspaper, milk, diapers; changeover of services
School records: ask for copies or transfer of children’s records
Medical, dental
Medical dental, prescription histories: ask doctor and dentist for referrals
referrals,
transfer needed prescriptions, eyeglasses, x-rays
Church, club, civic organizations: transfer memberships, get letter of
introduction
Pets: k b t
P t ask about regulations f licenses, vaccinations
l ti for li i ti

17. Example of Estimated Buyer's Cost
f i ' C
Buyer’s Closing Costs Costs
Lender’s Title Policy $125.00
Recording Fees $100.00
• Estimated Buyer’s Closing cost
Tax & Homeowner’s Insurance Reserves TBD including, but not limited too.
including, but not limited too.
Property Settlement Fee $225.00
Mortgage Insurance Premium TBD •TBD‐To be determined
Loan Origination fees approximately 1% of loan
fees-approximately TBD
amount •Actual costs will vary with each
Appraisal $350 to $400 transaction
Credit Reports
p $ $
$40-$60
Survey or ILC TBD
Loan Closing Fee $225.00
Real Estate C
Closing Fee $200.00
$
Courier Fee $25
Document Preparation Fee $100-$250

18. Estimated Monthly Payment will include:
i i i
Real Estate Agent
39%

19. The Premier Service Commitment
Th P i S i C i
This
Thi commitment, which GMAC R l E t t
it t hi h Real Estate
Realtors give to their customers, pledges to
serve as their Trusted Advisor, Skilled
Negotiator and Expert Facilitator®.
By signing this pledge, I am giving you my
personal commitment to:
Deliver a service experience based on
your needs and wants
Stay in touch with you and deliver the
level of service you want
Give you access to services that can
deliver value and relieve the stress of
buying or selling a home
Make myself available to answer
questions or concerns
Make it my highest priority to deliver the
caring customer service you deserve

20. The Premier Service® S
Th P i S i Survey
Your opinion is important and your input is
valued! Through the Premier Service
program you will be asked to complete a
survey conducted by an independent
research company. The survey will enable us
company
to document and track my performance and
ensure a continued record of superior service
that no other company can match.

21. My Mission
M Mi i
To help you find the best house that fits your
needs in the time frame you select with the
least amount of stress and inconvenience as
possible
Im
I’m ready
Julie Ryder
Realtor, PMP
to work for you!