This is the most current PPG buyers Guide we use to assist our clients in finding a new home.

1. A Guide To Buying Your Next Place

2. Welcome to The Peak Properties Family!
In our experience, a home isn't a dream home because of its
room dimensions. It's about how you feel when you walk
through the front door. And, the way you can instantly envision
your life unfolding there.
This is about more than real estate, it's about your life and your
dreams. We understand you are looking for a new home and we
want to be the real estate professionals to help you get there.
We work with each of our clients individually, taking the time to
understand their unique needs and lifestyle, and we want to do
the same for you.
We love matching our clients with the home they have always
imagined. It's incredibly fulfilling to know we are helping them
open a new chapter of their lives. That's why we work so hard
to not only find that perfect home, but also to handle every last
detail of the purchase process, from negotiating the terms of
sale to recommending moving companies.
This package contains helpful information for home buyers,
including an overview of the entire purchase process, answers
to frequently asked questions, and fact sheets to help us
discover the home and neighborhood characteristics most
important to you.
After we review this information, our team will prepare an in
depth, customized tour of homes for you to review, highlighting
properties that meet your criteria in neighborhoods that suit
your lifestyle.
We appreciate the opportunity to work with you!
Cheers,
Alex Tooke, REALTOR®
Co-Founder | Managing Broker
Derek Weber
Co-Founder | Team Lead
Office: (720) 515.7713
Derek@MileHighHomeGuide.com
Alex Tooke, REALTOR®
Co-Founder | Managing Broker
Cell: (303) 565.7565
Alex@MileHighHomeGuide.com

3. Our Core Values
Your Peak Team
Our Core Values Why hire just one agent, when
you can hire the entire team?
Local & Nationally Recognized Team
Dedicated Client Care Department
Professional Local Lenders & Attorneys
Start Your Search With Denver’s
Top Team On Denver’s Top Site!
Five Star Professionals
Successfully Negotiated Over
$140,000,000+ In Closed Sales!
Top 1% of all
Real Estate Teams
In Colorado
Healthy body,
healthy mind
Leaving our ego
at the door
Step forward,
and give back
Driving innovation
& technology
Becoming thru
knowledge &
growth
Listen first,
then listen more
Take the high
road
Always Live
local
2013, 2014, 2015, 2016, 2017

4. Getting Started
Hire Your PPG Broker
Start The Mortgage Process
Buyers Consultation
1.
2.
3.
Select and View Properties
With Your PPG Broker
Write & Negotiate
Your Contract
Schedule and Attend
Your Inspections
Complete Your
Mortgage Application
Shop For
Homeowners Insurance
Time To Move…
Appraisal Time
Attend Final Walk
Through & Closing
It’s All About
You & Your Home

5. Who Works For Who?
Buyer
Seller
Buyer Agency
Buyer
Seller
Seller Agency
BuyerSeller
Transaction Broker
Agent will represent the
best interests of the
BUYER
Who Works For Who?
Buyer
Seller
Buyer Agency
Buyer
Seller
Seller Agency
BuyerSeller
Transaction Broker
The PEAK Buyer Advantage
Agent will represent the
best interests of the
SELLER
Agent will facilitate for
BOTH the Buyer and
Seller equally
Love It or Leave It Guarantee
If for ANY reason you need to sell your home within the
first 12 months after you purchase it, we will sell it for FREE.
* Ask For Details
Easy Exit Guarantee
If for ANY reason you need to cancel your
agreement with us you can. No Questions Asked!
Other PEAK Advantages
• Home Hunter Service - We keep you in front of the market
• Anytime Showings - We are a TEAM of FULL Time Agents
• Distressed Listing Alerts - Be the first to know !

6. W-2 forms from the previous two years, if you
collect a paycheck.
Profit and loss statements or 1099 forms, if you
own a business.
Two most recent paycheck stubs for eveyone on
the application.
Two most recent SIGNED federal tax returns.
A complete list of your debts, such as credit cards,
student loans, car loans and child support
payments, along with minimum monthly payments
and balances.
List of assets, including bank statements, mutual
fund statements, real estate and automobile titles,
brokerage statements and records of other
investments or assets.
Canceled checks for your rent or mortgage
payments.
Checklist
Your Mortgage
“Working with a
LOCAL LENDER
will save you time
and money”
START YOUR
PRE-APPROVAL
TODAY!
The first step to making the dream
of homeownership a reality is to find
out how much you can afford. Start
your pre-approval process today
with a local lender and find out just
how much house you can buy!

7. Top 10 things NOT to
do when buying a home
1. DO NOT change or quit your job(s)
2. DO NOT buy a car
3. DO NOT use credit cards
excessively
4. DO NOT spend your down
payment
5. DO NOT omit debts on your loan
application
6. DO NOT buy furniture
7. DO NOT apply for any new credit
8. DO NOT make any large deposits
9. DO NOT change banks
10. DO NOT co-sign any loans
Your Money
Earnest Money
This is an amount you put forth after you
go “Under Contract” on a property.
(Usually 1-2% of the purchase price)
Down Payment
The amount you put towards the loan
amount required by the lender.
(Usually 3.5 – 20 % of the purchase price)
Closing Costs
Typically this is an amount required to pay to
“close” the loan and pay for the title policy.
(Usually 1-2% of the purchase price)
Example:
Purchase Price $400,000
Down Payment $20,000
Earnest Money ($4000)
Remaining Down
Payment
$16,000
Closing Costs $6000
Cash To Close $22,000
Total Investment $26,000
Down Payment (5% of Purchase Price)
Earnest Money (1% of Purchase Price)
Closing Costs (1-2% of Purchase Price)

8. Wish List
What does your future home look like? Where
is it located? As you hunt down your dream
home, consult this list to evaluate properties
and keep your priorities top of mind.
Neighborhoods
What neighborhoods do you prefer?
Schools
What school systems do you want to be near?
Transportation
How close must the home be to these amenities:
• Public transportation / Lightrail
• Airport access
• Major highway access
• Neighborhood shopping
• Schools
• Other
Home Style
• What architectural style(s) do you prefer?
• Do you want a home, condo, or townhome?
• Would you like a 1-story or 2-story home?
• How many bedrooms do you need?
• How many bathrooms do you need?
Home Condition
• Do you prefer a new or an existing home?
• What is the age of home you would like?
• How much work would you be willing to do?
• Do you have special needs that your home
must meet?
New Construction
Representation
Negotiation
Visit A Builder
The Process
Builder sales reps represent the
interests of the Builder not the
buyer.
Once you’re ready to sign the
contract, a Realtor® can work
on your behalf to negotiate the
terms, from upgrade options to
financing and closing costs.
Reputable and honest builders
absorb this cost as part
of their expense base. So
NO COST to you.
Buyers Cost
When visiting a builder for the
first time make sure to tell them
you’re represented and hand
them one of your Realtors®
business cards. Or let’s go
together! :-)

9. Make Your Offer
Once you have found the property you want, we will write a
purchase agreement. While much of the agreement is
standard, there are a few areas that we can negotiate:
The Price
What you offer on a property depends on a number of factors, including its condition, length of
time on the market, buyer activity, and the urgency of the seller. While some buyers want to
make a very low offer, just to see if the seller will accept, this often isn’t a smart choice
because the seller may be insulted and decide not to negotiate at all.
Date and Deadlines
If you can be flexible on the possession date, the seller will be more apt to choose your offers
over others. Make sure you’re available for inspections and to have conversations with your
agent. If you have vacations planned or trips that you know about, please let me know.
Additional Property
Often the seller plans on leaving major appliances in the home, however, which items stay or
go is often a matter of negotiation.
Presenting Your Offer
Typically you will not be present at the offer presentation; we will present it to the listing agent
and/or seller. The seller will then do one of the following when considering your offer:
By far the most common is the counter offer. In these cases, my experience and negotiating
skills become powerful in representing your best interests.
When a counter offer is presented we will work together to review each specific area of the
counter offer, making sure that we move forward with your goals in mind and ensuring that we
negotiate the best possible price and terms on your behalf.
Accept RejectCounter

10. * Keep in mind that they are many other types of
inspections, tests, and certifications that we recommend
when appropriate for the property you’re interested in.
The cost of these tests are not covered by the Seller nor
are they required to fulfill your contract to purchase. We
always recommend that you choose inspections that will
help you make the best decision possible.
Home Inspection ($350+)
This is optional and is recommend to get an
overview of general condition of the
property. (based on the size of the home
and age)
Sewer Inspection ($99 - $200+)
This will send a camera down into the
home’s sewer system to look for cracks,
roots, or any other breaks in the line.
(Average cost to replace a sewer line -
$4500- $15,000)
Radon Test ($150+)
This test will determine the level of Radon
Gas levels in the home. (According to EPA,
radon gas is the second most leading
cause of lung cancer in non-smokers)
Survey Fee / ILC ($400+ - $3000)
This fee goes to a survey company to verify
all property lines and things like shared
fences on the property. (When Applicable)
Appraisal ($800+)
This is paid to a 3rd party appraisal
company to confirm the fiar market value
of your new home.
Out Of Pocket Expenses
Under Contract
We Proudly Support The
Following Organizations
Shop For Home Owner’s Insuranace
Don’t Forget…
1. Start as soon as you go under contract!
2. Get multiple quotes
3. Ask for a C.L.U.E. report
4. Check to see if your home is in a floodplain
5. Ask about multiple policy discounts
5 Things To Consider when shopping
for Home Owner’s Insurance.

11. Closing 101
Prepare for it
Closing day marks the end of your home buying process
and the beginning of your new life! To make sure your
closing goes smoothly you should bring the following:
A certified check for closing costs and down payment.
Make the check payable to yourself; you will then
endorse it to the title company at closing.
• An insurance binder and paid receipt
• Photo IDs
• Social Security numbers
• Addresses for the past 5 years
Own it
Transfer of title moves ownership of the property from the
seller to you. The two events that make this happen are:
Delivery of the buyers funds
This is the check or wired funds provided by your
lender in the amount of the loan sent to the tilte
company.
Delivery of the deed
A deed is the document that transfers ownership of
real estate. The deed names the seller and buyer,
gives a legal description of the property, and contains
the notarized signatures of the seller and witnesses.
At the end of closing the deed will be taken and
recorded at the county clerk’s office. It will be sent to
you after processing.
Need a recommendation?
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over 100+ contractors and other useful
household vendors we love to work with.
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