Be an informed home buyer!

1. Powerful Technology ● Proven Systems ● Successful Results

2. Weare very excited and look forward to assisting you in finding a home in the greater
Jacksonville area. We love it here and we know you will too! Please take the time
to look through our Exclusive Buyers Packet.
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, we will make your
home buying experience fun and exciting. We can help you find the ideal home with the least
amount of hassle and we are devoted to using our expertise and the full resources of our office
to achieve these results!
We plan to make sure you are well equipped and armed with up-to-date information for your
big decision. We are prepared to guide you through every phase of the home-buying process.
This packet was designed to equip you with all the necessary information to ensure a
successful buying experience. Please keep this packet with you during your home-buying
process. We truly believe that an educated consumer is the very best customer to serve.
Let’s start our exciting journey together! We look forward to meeting your real estate needs
every step of the way!
Warmest Regards,
Kim Knapp, CEO/Realtor®
Coldwell Banker Vanguard
Buying with Team Knapp

3. It is probably the biggest purchase your family will ever make, and it involves many
important decisions. Our responsibility is to guide you through the entire process, from
identifying the right homes to view based on your parameters, financing, negotiations,
terms, inspections, repairs and ultimately, making sure the final outcome is in your best
interest.
Team Knapp brings matchless experience, knowledge and a true desire to help our
customers get the most out of there purchase. Being one of Northeast Florida’s Leading
Realtors came by satisfying one customer at a time.
We would love to compete for your business!
Kim Knapp, CEO/Realtor Teamk Knapp
Coldwell Banker Vanguard
Founder Real Dynamic Agents & Real Giving Project
Team Knapp Philosophy
To Whom It May Concern:
I am writing this letter to advise you of how pleased I am with Kim and her
team. Kim is the epitome of professionalism in real estate transactions, and dili-
gently ensures that Buyers and Sellers are treated with respect and fairness.
Mrs. Knapp is tireless in her efforts to ensure a smooth closing and her positive
can-do spirit gets results. Please pass this information on to potential clients as
I want them to know that Team Knapp is one of the top of the crop in real estate.
Thomas C. Santoro
Attorney at Law

4. Born and raised in the Midwest (Danville, Illinois) I learned hard work at a young age. Being the
oldest of 6 children learning to be responsible was not an option. At the same time growing up in a
small town my memories are grand. Great friends and great times. When I moved to Upstate NY I met
my husband of 21 years working for Delco. We both worked there until it was time for Tom to retire and
here we are, sunny Florida!
With the help of a team I have built a remarkable referral base and created innovative outreach
programs in the community that encourage a symbiotic relationship between the real estate community
and the neighborhoods they serve. These efforts have helped land the team in the top ten REALTORS in
Jacksonville year after year.
From the very first year I was blessed to be a top producer . What did I learn? That old fashioned
hard work, networking with fellow professionals and most importantly - remembering that if my
customers had a remarkable experience they would refer me to friends and family is what makes a real
estate professional successful.
Welcome to the wonderful world of real estate!
This is a very exciting time and we want you to feel comfortable and knowledgeable
throughout the entire process.
I will listen to your needs, keep you informed, help you through the negotiation process, and
ensure you achieve the most marketable price for your home. I welcome you to communicate
your feelings to me. After closing I will still be there to assist you if needed.
Thank you for choosing Team Knapp to help you with one of your
most valuable assets! We hope you will be so pleased with the
experience that you will want to refer us to your friends and
family!
Kim Knapp
CEO/Realtor ®
Kim@TeamKnapp.com
904.334.7425
About Kim...

5. Meet My Team
As a top Realtor, I don’t work alone! I have a whole team of people working
with me that have your best interests at heart!
Sara Galloway
Kim’s Personal Assistant / Closing Coordinator
Sara@TeamKnapp.com
904.637.0285
Sara has been with Team Knapp for over 8 years. An active duty Navy wife, Sara appreciates the
definition of the word relocate. A mother of 3 and having survived several deployments, Sara
adds a wealth of knowledge and understanding to the team. A background of working in Attorney’s offices
Sara knows the in’s and out of getting a job done. From start to finish with her task oriented strengths Sara
makes sure that each seller is taken care of and every effort is made to meet the customer’s needs.
Regina (Regi) Kloosterman
Director of Marketing / Special Projects
Regina@TeamKnapp.com
904.637.0285
Regi has been in the real estate industry in one form or another since 1996 and is on top of
the latest technology. As Team Knapp’s Director of Marketing, Regi keeps all the little details
straight for the listings as well as all other team marketing both in print and on-line. She creates all the
marketing materials for the team, performs database management and takes on special projects as needed.
ShowingTime Appointment Center
The ShowingTime Staff is available 7 days a week to schedule
showings on your home as well as notify of you of any changes
to scheduled showings.
Katrina (Katy ) Proulx
Licensed Assistant / Listing Coordinator
Katrina@TeamKnapp.com
904.704.7548
Having a degree that included talents in marketing and advertising along with several years of
management in retail and customer service Katy brings a wealth of knowledge and skills to the
team. She currently assists Kim & Team Knapp with keeping sellers updated with showing feedback, and
responding to incoming leads and of course taking care of a great deal of the Team’s Social Media as well as
meeting with customers and vendors when and where needed.

6. Less than 4% of all Real Estate Agents worldwide are CRS designated
Kim Knapp, REALTOR®, CRS
904.334.7425
Kim@TeamKnapp.com

7. Our initial consultation
View and evaluate properties
• Determine offer price
• Decide on financing and
terms
Complete the settlement pro-
cess
• Deposit earnest money
• Obtain inspections
• Arrange insurance
• Sign documents
• Record title
• Receive keys
Obtain financing
• Consult with loan officer
• Complete loan application
• Obtain pre-approval
Obtain property appraisal
• Loan processing
• Final loan approval
The Home Buying Process
The home buying process typically includes the following steps.

9. Your financing is in order, your agent knows what you are looking for,
now it’s time to go shopping. Here are some good and not so good ideas
when looking at homes.
 Appointments need to be made with as much advance notice as
possible. This helps the seller get the home prepared for your arrival.
 Your agent should provide you with a detail sheet on each listing.
 Take a notebook and camera if you like. However do not take notes
and pictures on every house. If you know you would not consider
buying a particular home, it can be confusing to collect information
on it that you will not need later. It only gets tangled with all the
information on the homes you do like.
 Walk through the home and
determine how it feels before you
begin taking any notes. It’s important
that you see and feel the house first.
If you are working on filling out a
checklist or taking notes, it’s like
watching a baseball game through a
video camera, you feel like you missed
it…
 After your tour of each home, determine if you were/are writing an
offer today, would that home be in the running. If not, discard the
detail sheet. This will help you keep the homes you like in order.
 When touring a home, take note of the lot and neighborhood location
and things like the floor plan of the home, as these are permanent.
Wallpaper can be removed and walls can be painted but you can’t just
change the location of the house so liking the yard, street and
footprint is very important.
Time to go House Hunting

10. Your neighborhood has a big impact on your lifestyle. Follow these steps
to find the perfect community to call home.
Is it close to your favorite spots? Make a list of the activities —
movies, health club, church, etc. — you engage in regularly and
stores you visit frequently. See how far you would have to travel
from each neighborhood you’re considering to engage in your most
common activities.
Check out the school district. This is especially important if you
have children, but it also can affect resale
value. The Department of Education in
your town can probably provide
information on test scores, class size,
percentage of students who attend college,
and special enrichment programs. If you
have school-age children, visit schools in
the neighborhoods you’re considering.
Also, check out www.schoolmatters.com.
Find out if the neighborhood is safe. Ask
the police department for neighborhood crime statistics. Consider
not only the number of crimes but also the type — such as
burglaries or armed robberies — and the trend of increasing or
decreasing crime. Also, is crime centered in only one part of the
neighborhood, such as near a retail area?
Tips for Finding the Perfect Neighborhood

11. Determine if the neighborhood is economically stable. Check with
your local city economic development office to see if income and
property values in the neighborhood are stable or rising. What is
the percentage of homes to apartments? Apartments don’t
necessarily diminish value, but do mean a more transient
population. Do you see vacant businesses or homes that have been
for sale for months?
See if you’ll make money. Ask a local REALTOR® or call the local
REALTOR® association to get information about price appreciation
in the neighborhood. Although past performance is no guarantee of
future results, this information may give you a sense of how good
of an investment your home will be. A REALTOR® or the
government planning agency also may be able to tell you about
planned developments or other changes in the neighborhood — like
a new school or highway — that might affect value.
Make personal observations. Once you’ve
narrowed your focus to two or three
neighborhoods, go there and walk around. Are
homes tidy and well maintained? Are streets
quiet? How does it feel? Pick a warm day if
you can and chat with people working or
playing outside.
Tips for Finding the Perfect Neighborhood (con’t)

12. 1. Research before you look. Decide what features you most want to have in
a home, what neighborhoods you prefer, and how much you’d be willing to
spend each month for housing.
2. Be realistic. It’s OK to be picky, but don’t be unrealistic with your
expectations. There’s no such thing as a perfect home. Use your list of
priorities as a guide to evaluate each property.
3. Get your finances in order. Review your credit report and be sure you
have enough money to cover your down payment and closing costs. Then, talk
to a lender and get prequalified for a mortgage. This will save you the
heartache later of falling in love with a house you can’t afford.
4. Don’t ask too many people for opinions. It will drive you crazy. Select
one or two people to turn to if you feel you need a second opinion, but be
ready to make the final decision on your own. You will be the one that will be
ultimately living in the home and paying the mortgage payment.
5. Decide your moving timeline. When is your lease up? Are you allowed to
sublet? How tight is the rental market in your area? All of these factors will
help you determine when you should move.
6. Think long term. Are you looking for a starter house with plans to move
up in a few years, or do you hope to stay in this home for a longer period?
This decision may dictate what type of home you’ll buy as well as the type of
mortgage terms that will best suit you.
7. Insist on a home inspection. If possible, get a warranty from the seller to
cover defects for one year.
8. Get help from a REALTOR®. Hire a real estate professional who
specializes in buyer representation. Unlike a listing agent, whose first duty is
to the seller, a buyer’s representative is working only for you. Buyer’s reps are
usually paid out of the seller’s commission payment.
8 Tips to Guide Your Home Search

13. You’ll likely be responsible for a variety of fees and expenses that you and the seller
will have to pay at the time of closing. Your lender must provide a good-faith
estimate of all settlement costs. The title company or other entity conducting the
closing will tell you the required amount for:
Down payment
Loan origination
Points, or loan discount fees, which you pay to receive a lower interest rate
Home inspection
Appraisal
Credit report
Private mortgage insurance premium
Insurance escrow for homeowner’s insurance, if being paid as part of the
mortgage
Property tax escrow, if being paid as part of the mortgage. Lenders keep funds for
taxes and insurance in escrow accounts as they are paid with the mortgage,
then pay the insurance or taxes for you.
Deed recording
Underwriting and Doc preparation
Land survey
Notary fees
Prorations for your share of costs, such as utility bills
and property taxes
A Note About Prorations: Because such costs are
usually paid on either a monthly or yearly basis, you
might have to pay a bill for services used by the sellers
before they moved. Proration is a way for the sellers to pay you back or for you to
pay them for bills they may have paid in advance. For example, the gas company
usually sends a bill each month for the gas used during the previous month. But
assume you buy the home on the 6th of the month. You would owe the gas company
for only the days from the 6th to the end for the month. The seller would owe for the
first five days. The bill would be prorated for the number of days in the month, and
then each person would be responsible for the days of his or her ownership.
Common Closing Costs for Buyers

14. 1. What are the most popular mortgages you offer? Why are they so popular?
2. Which type of mortgage plan do you think would be best for me? Why?
3. Are your rates, terms, fees, and closing costs negotiable?
4. Will I have to buy private mortgage insurance? If so, how much will it cost, and
how long will it be required? (NOTE: Private mortgage insurance is usually required
if your down payment is less than 20 percent. However, most lenders will let you
discontinue PMI when you’ve acquired a certain amount of equity by paying down
the loan.)
5. Who will service the loan — your bank or another company?
6. What escrow requirements do you have?
7. How long will this loan be in a lock-in period (in other words, the time that the
quoted interest rate will be honored)? Will I be able to obtain a lower rate if it drops
during this period?
8. How long will the loan approval process take?
9. How long will it take to close the loan?
10. Who will I be communicating with during this process and how easy are they to
get in touch with?
10 Questions to Ask Your Lender

15. Below is a list of documents that are required when you apply for a
mortgage. However, every situation is unique and you may be required to
provide less documentation.
Previous two years of W-2’s (self-employed or commissioned borrowers
must submit previous two years tax returns).
Most recent month’s worth of consecutive pay stubs for each borrower.
Most recent two months bank statements (savings, checking, CD’s 401k,
IRA’s, stock statements, etc.)
2 forms of identification (ie; drivers license, military id, social security card,
etc.)
Other documentation that may be required:
Executed Sales Contract/Addendums to Contract/Updates for the property
you wish to purchase.
Final Divorce Decree and Settlement Agreement.
Complete Bankruptcy Papers with Petition/Discharge papers and list of
creditors.
Relocation Agreement and / or Buyout Agreement.
Copy of HUD-1 Settlement Statement from sale of current home.
Copy of Cancelled Earnest Money Check.
Your loan can not be fully processed until the requested information is
received. Please note, other information may be requested during the
processing of your loan.
Application Checklist

16. Preferred Lenders
Daniel Halvorsen
Bank of England Jacksonville
Cell 904.707.3669
Email: dhalvorsen@boejax.com
NMLS# 788842
Brian Peacock
Bayway Mortgage Group
Cell 904.224.2553
Email: bpeacock@maywaymtg.com
NMLS# 1294392
Tom Reber
EverBank
Cell 904.318.1058
Email: thomas.reber@everbank.com
NMLS# 450913

17. The tax deductions you’re eligible to take for mortgage interest and
property taxes greatly increase the financial benefits of homeownership.
Here’s how it works.
Assume:
$9,877 = Mortgage interest paid (a loan of $150,000 for 30 years, at 7
percent, using year-five interest)
$2,700 = Property taxes (at 1.5 percent on $180,000 assessed value)
______
$12,577 = Total deduction
Then, multiply your total deduction by your tax rate.
For example, at a 28 percent tax rate: 12,577 x 0.28 = $3,521.56
$3,521.56 = Amount you have lowered your federal income tax (at
28 percent tax rate)
Tax Benefits of Homeownership

18. 1. Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the
property you’re interested in buying. CLUE reports detail the property’s claims
history for the most recent five years, which insurers may use to deny coverage.
Make the sale contingent on a home inspection to ensure that problems identified in
the CLUE report have been repaired.
2. Seek insurance coverage as soon as your offer is approved. You must obtain
insurance to buy. And you don’t want to be told at closing that the insurer has
denied your coverage.
3. Maintain good credit. Insurers often use credit-based insurance scores to
determine premiums.
4. Buy your home owners and auto policies from the same company and you’ll
usually qualify for savings. But make sure the discount really yields the lowest price.
5. Raise your deductible. If you can afford to pay more toward a loss that occurs,
your premiums will be lower. Avoid making claims under $1,000.
6. Ask about other discounts. For example, retirees who tend to be home more than
full-time workers may qualify for a discount on theft insurance. You also may be
able to obtain discounts for having smoke detectors, a burglar alarm, or dead-bolt
locks.
7. Seek group discounts. If you belong to any groups, such as associations or
alumni organizations, they may have deals on insurance coverage.
8. Review your policy limits and the value of your home and possessions annually.
Some items depreciate and may not need as much coverage.
9. Investigate a government-backed insurance plan. In some high-risk areas, federal
or state government may back plans to lower rates. Ask your agent.
10. Be sure you insure your house for the correct amount. Remember, you’re
covering replacement cost, not market value.
Tips for Lowering Homeowner’s Insurance Costs

19. Know about exclusions to coverage. For example, most insurance
policies do not cover flood or earthquake damage as a standard item.
These types of coverage must be bought separately.
Know about dollar limitations on claims. Even if you are covered for
a risk, there may be a limit on how much the insurer will pay. For
example, many policies limit the amount paid for stolen jewelry unless
items are insured separately.
Know the replacement cost. If your home is destroyed you’ll receive
money to replace it only to the maximum of your coverage, so be sure
your insurance is sufficient. This means that if your home is insured for
$150,000 and it costs $180,000 to replace it, you’ll only receive
$150,000.
Know the actual cash value. If you chose not to replace your home
when it’s destroyed, you’ll receive replacement cost, less depreciation.
This is called actual cash value.
Know the liability. Generally your homeowner’s insurance covers you
for accidents that happen to other people on your property, including
medical care, court costs, and awards by the court. However, there is
usually an upper limit to the amount of coverage provided. Be sure that
it’s sufficient if you have significant assets.
5 Things to Know about Homeowner’s Insurance

20. Home Insurance Vendors
You deserve a relationship with a real person. That’s our stand.
Robert Gunn
Phone: 904.272.1400 ~or~ 904.272.9600 ~ RobertGunn@Allstate.com
Two convenient locations in Orange Park
As a Personal Financial Representative in Orange Park, I know many
local families. My knowledge and understanding of the people in this
community help me provide customers with an outstanding level of
service. I look forward to helping families like yours protect the things
that are important – your family, home, car and more. I can also help
you prepare a strategy to achieve your financial goals

21. Before you make your final buying or selling decision, you should have the home inspected by a
professional. An inspection can alert you to potential problems with a property and allow you to make
an informed decision. Ask these questions to prospective home inspectors:
1. Will your inspection meet recognized standards? Ask whether the inspection and the inspection
report will meet all state requirements and comply with a well-recognized standard of practice and
code of ethics, such as the one adopted by the American Society of Home Inspectors or the National
Association of Home Inspectors. Customers can view each group’s standards of practice and code of
ethics online at www.ashi.org or www.nahi.org. ASHI’s Web site also provides a database of state
regulations.
2. Do you belong to a professional home inspector association? There are many state and
national associations for home inspectors, including the two groups mentioned in No. 1.
Unfortunately, some groups confer questionable credentials or certifications in return for nothing
more than a fee. Insist on members of reputable, nonprofit trade organizations; request to see a
membership ID.
3. How experienced are you? Ask how long inspectors have been in the profession and how many
inspections they’ve completed. They should provide customer referrals on request. New inspectors
also may be highly qualified, but they should describe their training and let you know whether they
plan to work with a more experienced partner.
4. How do you keep your expertise up to date? Inspectors’ commitment to continuing education is
a good measure of their professionalism and service. Advanced knowledge is especially important in
cases in which a home is older or includes unique elements requiring additional or updated training.
5. Do you focus on residential inspection? Make sure the inspector has training and experience in
the unique discipline of home inspection, which is very different from inspecting commercial buildings
or a construction site. If your customers are buying a unique property, such as a historic home, they
may want to ask whether the inspector has experience with that type of property in particular.
6. How long will the inspection take? On average, an inspector working alone inspects a typical
single-family house in two to three hours; anything significantly less may not be thorough. If your
customers are purchasing an especially large property, they may want to ask whether additional
inspectors will be brought in.
7. What’s the cost? Costs can vary dramatically, depending on your region, the size and age of the
house, and the scope of services. The national average for single-family homes is about $320, but
customers with large homes can expect to pay more. Customers should be wary of deals that seem
too good to be true.
8. What type of inspection report do you provide? Ask to see samples to determine whether you
will understand the inspector's reporting style. Also, most inspectors provide their full report within
24 hours of the inspection.
9. Will I be able to attend the inspection? The answer should be yes. A home inspection is a
valuable educational opportunity for the buyer. An inspector's refusal to let the buyer attend should
raise a red flag.
Questions to Ask Home Inspectors

22. Home inspections will vary depending on the type of property you are purchasing. A large historic home, for
example, will require a more specialized inspection than a small condominium. However, the following are the basic
elements that a home inspector will check. You can also use this list to help you evaluate properties you might
purchase.
For more information, try the virtual home inspection at www.ASHI.org, the Web site of the American Society of
Home Inspectors.
Structure: A home’s skeleton impacts how the property stands up to weather, gravity, and the earth. Structural
components, including the foundation and the framing, should be inspected.
Exterior: The inspector should look at sidewalks, driveways, steps, windows, and doors. A home’s siding, trim, and
surface drainage also are part of an exterior inspection.
• Doors and windows
• Siding (brick, stone, stucco, vinyl, wood, etc.)
• Driveways/sidewalks
Attached porches, decks, and balconies
Roofing: A well-maintained roof protects you from rain, snow, and other forces of nature. Take note of the roof’s age,
conditions of flashing, roof draining systems (pooling water), buckled shingles, loose gutters and downspouts,
skylight, and chimneys.
Plumbing: Thoroughly examine the water supply and drainage systems, water heating equipment, and fuel storage
systems. Drainage pumps and sump pumps also fall under this category. Poor water pressure, banging pipes, rust
spots, or corrosion can indicate problems.
Electrical: Safe electrical wiring is essential. Look for the condition of service entrance wires, service panels,
breakers and fuses, and disconnects. Also take note of the number of outlets in each room.
Heating: The home’s heating system, vent system, flues, and chimneys should be inspected. Look for age of water
heater, whether the size is adequate for the house, speed of recovery, and energy rating.
Air Conditioning: Your inspector should describe your home cooling system, its energy source, and inspect the
central and through-wall cooling equipment. Consider the age and energy rating of the system.
Interiors: An inspection of the inside of the home can reveal plumbing leaks, insect damage, rot, construction
defects, and other issues. An inspector should take a close look at:
• Walls, ceilings and floors
• Steps, stairways, and railings
• Countertops and cabinets
• Garage doors and garage door systems
Ventilation/insulation: To prevent energy loss, check for adequate insulation and ventilation in the attic and in
unfinished areas such as crawlspaces. Also look for proper, secured insulation in walls. Insulation should be
appropriate for the climate. Excess moisture in the home can lead to mold and water damage.
Fireplaces: They’re charming, but they could be dangerous if not properly installed. Inspectors should examine the
system, including the vent and flue, and describe solid fuel burning appliances.
What a Home Inspection Should Cover

23. Preferred Home & WDO Inspectors
Tabor K. Hill & Associates
Phone: 904.269.2929
Fax: 904.406.9581
Email: info@taborkhill.com
Website: www.taborkhill.com
Florida Home Pro Inspections
Phone: 904.268.8211
Website: www.gohomepro.com
AmeriSpec Home Inspection Service
Phone: 904.448.0516
Email: amerispec@bellsouth.net
Website: www.amerispec.net
Home Wise Services Inc.
Phone: 904.997.1630
Website: www.Homewiseservices.com
BUG Pro Florida
Phone: 904.745.3100
Website: www.bugproflorida.com
The Pest Detective
Phone: 904.720.0404
Website: www.thepestdetective.com
Bugout Service
Phone: 904.562.6093
Website: www.bugoutservice.com
Brandon Pest Control
Phone: 904.739.9916
Website: www.pestfree.com.com

24. Some Myths and Realities About...
Myth: Assessed value should equate to market value.
Reality: While most states support the concept that assessed value approximate estimated
market value, this often is not the case. Examples include when interior remodeling has oc-
curred and the assessor is unaware of the improvements, or when properties in the vicinity
have not been reassessed for an extended period.
Myth: The appraised value of a property will vary, depending upon whether the appraisal
is conducted for the buyer or the seller.
Reality: The appraiser has no vested interest in the outcome of the appraisal and should
render services with independence, objectivity and impartiality - no matter for whom the ap-
praisal is conducted.
Myth: Market value should approximate replacement cost.
Reality: Market value is based on what a willing buyer likely would pay a willing seller for a
particular property, with neither being under pressure to buy or sell. Replacement cost is the
dollar amount required to reconstruct a property in-kind.
Myth: Appraisers use a formula, such as a specific price per square foot, to figure out the
value of a home.
Reality: Appraisers make a detailed analysis of all factors pertaining to the value of a home
including its location, condition, size, proximity to facilities and recent sale prices of compa-
rable properties.
Myth: In a robust economy - when the sales prices of homes in a given area are reported
to be rising by a particular percentage - the value of individual properties in the area can be
expected to appreciate by that same percentage.
Reality: Value appreciation of a specific property must be determined on an individualized
basis, factoring in data on comparable properties and other relevant considerations. This is
true in good times as well as bad.
Myth: You generally can tell what a property is worth simply by looking at the outside.
Reality: Property value is determined by a number of factors, including location, condition,

25. ...Real Estate Appraisals and Appraisers
improvements, amenities, and market trends.
Myth: Because consumers pay for appraisals when applying for loans to purchase or re-
finance real estate, they own their appraisal.
Reality: The appraisal is, in fact, legally owned by the lender - unless the lender "releases
its interest" in the document. However, consumers must be given a copy of the appraisal re-
port, upon written request, under the Equal Credit Opportunity Act.
Myth: Consumers need not be concerned with what is in the appraisal document so long
as it satisfies the needs of their lending institution.
Reality: Only if consumers read a copy of their appraisal can they double-check its accura-
cy and question the result. Also, it makes a valuable record for future reference, containing
useful and often-revealing information - including the legal and physical description of the
property, square footage measurements, list of comparable properties in the neighborhood,
neighborhood description and a narrative of current real-estate activity and/or market trends
in the vicinity.
Myth: Appraisers are hired only to estimate real estate property values in property sales
involving mortgage-lending transactions.
Reality: Depending upon their qualifications and designations, appraisers can and do pro-
vide a variety of services, including advice for estate planning, dispute resolution, zoning
and tax assessment review and cost/benefit analysis.
Myth: An Appraisal is the same as a home inspection.
Reality: An Appraisal does not serve the same purpose as an inspection. The Appraiser
forms an opinion of value in the Appraisal process and resulting report. A home inspector
determines the condition of the home and its major components and reports these findings.

26. Here is a timeline to consider as you make the move to your new home.
4 weeks before you move:
Finalize plans with a reputable moving company
Have school records transferred
Arrange to transfer (or take with you) medical, dental and other important records
Prepare to transfer your homeowners, auto and life insurance
Consider a garage sale to get rid of unneeded items
Arrange to place excess items in storage if necessary
Keep track of moving related expenses and ask your accountant what expenses may be deductible
3 weeks before:
Obtain and mail change-of-address cards to the post office, subscriptions, credit card companies
and important contacts
2 weeks before you move:
Arrange for utility connection changes
Close or transfer bank accounts
Arrange for transfer of vehicle licenses and drivers licenses
Terminate newspaper delivery service
Have an extra supply of prescription medications for the next four weeks
We will schedule a final walk-through of the property to make sure everything is in order
Week of your move:
Keep valuable financial records and personal papers with you. Don’t pack them with the rest of
your household goods.
Preferably a few days prior to close, all the documentation will be at the title company and ready
for you to sign.
Once the transaction has funded and the documents recorded, the home is officially yours
MOVE IN!!!
Remember to contact us for assistance with all your future homeownership needs.
Making a Smooth Transaction

27. Our Ser vice Speaks For Itself

28. And then some...

29. Real Estate Pinnacle Service®
Highest Customer Satisfaction in the Real Estate Industry
How would your real estate experience improve if you had a skilled professional guiding and
advising you every step of the way? All too often, customer service programs are created in
cushy conference rooms, far removed from the people for whom the programs are designed.
Those efforts often miss the mark because they aren't drawn from the group that matters
most: The Customers.
But with Premier Service, Vanguard Realty's comprehensive business philosophy, we've
gone right to the source. You've told us that buying and selling a home can be stressful,
time-consuming and sometimes overwhelming. We want to change that. The Premier
Service pledge of service excellence means that Vanguard Realty's professional team of
Sales Associates assumes three important roles:
Trusted Advisor
With specialized knowledge and extensive training, Vanguard Realty's Sales Associates will
help you navigate your home buying and selling process. We will listen to your goals, and
recommend ways to help you achieve them.
Skilled Negotiator
The real estate process requires negotiation of complex issues; we are committed to working
in your best interests. We will help you secure the best possible price, with the most
favorable terms, in the shortest period of time.
Expert Facilitator
We will work to ensure your purchase or sale stays on track and on time. You will receive
outstanding customer service, our professional expertise, and be offered other services that
can help enhance your result - far beyond the transaction itself.
Team Knapp ~ Platinum 100% Customer Service Satisfaction Rating 2004-2008
Team Knapp ~ Pinnacle 100% Customer Service Satisfaction Rating 2008-2011
Pinnacle Service = Results

30. My Commitment to You Buyer Commitment to Agent
As your exclusive agent, I will:
• Listen to your needs
• Be a Trusted Advisor
• Track the market for you
• Advise you regarding market changes
• Assist with loan approval & financing
• Provide appropriate disclosures
• Make appointments & view properties
• Help you prepare & position your offer for acceptance
• Be a Strong Negotiator on your behalf
• Facilitate entire Process to ensure Transaction goes
smoothly
• Orchestrate all post-sale activities
• Work diligently toward a successful close
Loyalty
Communication
Feedback
Equal Housing Opportunity
* When you notice a home advertised anywhere by any company, please contact
me to view that home. Also, visiting open houses, FSBO’s or new construction
without me may preclude us from working together. Please advise them you are
working with me and give them my card. I look forward to being your Realtor
and finding you the right home!
_____________________________ ______________ __________________________________ _____________
REALTOR® Date Buyer Date
____________________________ __________
Buyer Date

31. Welcome
Home!

32. Team: 904.334.7426
Office: 904.637.0285
TeamKnapp.com