The document provides information about Christian Nossum and Dan Keller who are real estate agents and hosts of the Seattle Real Estate Radio show, highlighting their experience and recognition in the local real estate market, and discusses the home buying process and tips for buyers in the current market.

1. Christian
Nossum
Welcome!
Dan
Keller
Les
Cutting

2. Why Awesome Nossum?
Dan
&
Christian
LIVE Every Monday!
Live on
Monday 3-4pm
Saturday 5-6pm
1300am KKOL
Live streaming on
iHeartRadio
Watch all previous
episodes on
SeattleRealEstateRadio.com

3. Recognized by their Peers
Top 10 Real Estate Agent in the Nation
Calling them one of the “Best of the Best”

4. Recognized by their Peers
Christian Nossum & Dan Keller often featured on Curbed.com as
their local Seattle Real Estate & Mortgage Experts

5. People love us on Yelp!
The
Awesome
Nossum
Group

6. Why Use The Awesome Nossum Group?
•Great Negotiators
•All About Education
•Not Pushy (at all!)
•Seattle Neighborhood Experts
•Tech Savvy
•Available 7 Days/Week
•7:30am-10pm

7. Home Buying
Understanding the
Market
The
Awesome
Nossum
Group

8. Top Concerns of
Seattle Home Buyers
29%
Rising
Mortgage %
Rates
Saving for a
Down
Payment
Low
Inventory
19% 14%
Zillow

9. Home Buying
The
Awesome
Nossum
Group
of Millennials are
putting less than a 20%
down payment
TD Bank Home Buyer Pulse Press Release - JULY 26, 2016

10. Home Buying
The
Awesome
Nossum
Group
of all buyers have a
5% or less
down payment
TD Bank Home Buyer Pulse Press Release - JULY 26, 2016

11. UP 16%
July 2015
to
July 2016
King County Home Prices…
NWMLS

12. Home Buying
“Saving up to have a larger
downpayment doesn’t always
make sense.”
The
Awesome
Nossum
Group

13. $500,000 Home 5% Down 20% Down
Down Payment $25,000 $100,000
Loan Amount $475,000 $400,000
Interest Rate 3.875% 3.875%
Principal & Interest $2,234 $1,881
PMI $269 $0
Total Payment $3,068** $2,446**
Assumes a 30-year-fixed-rate mortgage
**Assumes $500/month property tax and $65/month homeowners insurance payments
Difference in Payment $622

14. Difference in payment over the
next 12 months ($622/month x 12)
$7,464
Expected appreciation over the
next 12 months (5.1% x 12 months)
$25,500
DIFFERENCE -$18,036
Should you wait 1 year to buy?
*Based on CoreLogic’s projected appreciation of 5.1% over the next 12 months

15. Difference in payment over the
next 24 months ($622/month x 24)
$14,928
Expected appreciation over the
next 24 months (5.1% x 24 months)
$52,300
DIFFERENCE -$37,372
What if you wait 2 years to save 20%?
*Based on CoreLogic’s projected appreciation of 5.1% over the next 12 months

16. Home Buying
Steps to Buying
a House
The
Awesome
Nossum
Group

17. Home Buying
Let’s talk about your specific situation :
Your Wants and Your Needs
The
Awesome
Nossum
Group

18. Home Buying
The
Awesome
Nossum
Group

19. Home Buying
The
Awesome
Nossum
Group
Not just Pre-Approved
That doesn’t cut it in this market

20. Home Buying
The
Awesome
Nossum
Group

21. The Fun Part!
Email or Text
us the houses
you find and
like online
We work 7
days/week
Evenings and
Weekends too
We’ll set up a
time to go
check it out
7:30am -
10pm
(if not later)

22. Home Buying
The
Awesome
Nossum
Group

23. Multiple Offer Situations
Tips for winning in a bidding war
Get Pre-Underwritten
by a Local Lender
Make a Strong
Offer
Remove
Contingencies
The
Awesome
Nossum
Group

24. Consider Removing These

25. Home Buying
The
Awesome
Nossum
Group

26. Home Buying
The
Awesome
Nossum
Group

27. Home Buying
Acceptance
to Closing
The
Awesome
Nossum
Group

28. Home Buying
Earnest Money
The
Awesome
Nossum
Group

29. What is Escrow?
Hold the
Earnest
Money
Coordinate the
signing
appointments
for all parties
Receive and
disperse funds for
closing
Arrange for
Payoff of any
liens (seller’s
mortgage,
utilities, etc.)
Notify county
to change of
ownership

30. Home Buying
Inspection
The
Awesome
Nossum
Group

31. Home Buying
Appraisal
The
Awesome
Nossum
Group

32. Home Buying
The
Awesome
Nossum
Group

33. Signing and Closing
A few days before closing you will sign your closing documents and
we’ll do a final walk through
On the day of closing, you will probably get your keys
sometime between 4pm - 6pm
The
Awesome
Nossum
Group

34. Home Buying
The
Awesome
Nossum
Group

35. Home Buying
The
Awesome
Nossum
Group

36. Co-Host of Seattle Real Estate Radio
Live on
Monday 3-4pm
Saturday 5-6pm
1300am KKOL
Live streaming on
iHeartRadio
Watch all previous
episodes on
SeattleRealEstateRadio.com
About Dan Keller

37. = Experience
● 2014 Top 40 Under 40 – Mortgage Professional
Magazine
● Seattle Magazine 5-Star Professional 2009-2015
● 120+ transactions a year since 2012
● Direct LOCAL Mortgage Lender
● Obsessed with “Raving Fans” service
● National Speaker
About Dan Keller

38. Experience Matters 

39. How NOT To Start….

40. How NOT To Start….

41. How NOT To Start….

42. How NOT To Start….

43. How NOT To Start….

44. What’s Really Important…

45. What’s Really Important…
We are a PURPOSE-DRIVEN mortgage team that is centered around 3 things -
- An unbelievable mortgage planning consultation
- Tons of follow-up
- An extraordinary high level of service
Our MISSION is to help our clients understand the
importance of attaining a very comfortable
mortgage payment so that they are able to save
money for retirement, and retire well-off.
Our PURPOSE is to turn our clients into advocates
by providing a world-class experience before,
during, and after funding your home loan!

46. Big TEAM To Cater To You

47. Largest Financial Decision of Your Life

48. Top 8 Concerns In 2017
Credit
Down Pmnt.
In a lease
Friends
Market... Bubble
IDK where to start
Not loan worthy
Afraid of costs

49. The 4 Parts of A Loan Approval
(4) PROPERTY

50. Benefits of Home Ownership
Think about this for a moment:
(1) You INCREASE Your Tax Benefits?
(2) You INCREASE Your Investment Strategy (the greatest ROI)
(3) You DECREASE Risk? (i.e. Diversification)
(4) Did you know there are programs where you do not need 20% down to
avoid PMI?

51. Getting A Mortgage Is Tougher Than Ever

52. 88 Ways You Will Encounter Turbulence
● Approach: Pro -vs- Amateur
● Total Cost of Buying A Home
● Seller (26)
● Borrower (35)
● Property (9)
● Inspector (4)
● Appraisal (6)
● Escrow/Title (8)

53. The Process
● Initial Discovery Call– goals, timeline, expectations
● Mortgage Concierge Center:
● (1) Complete Secure Online Intake Form
(2) Review Mortgage Planning Playbook
(3) Gather requested docs for Dan to review
(4) Dan & staff review/pre-approve
(5) Mortgage Planning Meeting is scheduled
(6) Client leaves pre-approved, budget is dialed-
in, and well-prepared to win offer!
DR/NURSE
Approach

54. The Anatomy of Your Payment
PRINCIPLE
INTERES
TP.M.I.
PROPERTY TAXES
HOME OWNER’S INSURANCE

55. Types of Mortgage Loans
GOV’T – FHA, VA, USDA, STATE BOND
CONVENTIONAL/CONFORMING
JUMBO - $592,250 and above
RARE – Rehab 203k/184 Native American
CREDIT REPAIR

56. What Causes Rates To Move?
S
T
O
C
K
S
B
O
N
D
S

57. The 4 Parts of A Loan Approval
(4) PROPERTY

58. The Dynamics of the “Best Rate”
● Credit Score (760+)
● Loan Program (30-yr/15-yr, ARM…)
● 20% Down (or more)
● Discount Points (1%+)
● SFR versus Condo (SFR)
● Timing: The Market (working with a
professional that knows how the market moves
and what indicators to watch to best advise
you when to lock)

59. The DKG Difference
● Tech savvy
● Educated/Smart Home Buyer – “Pre-Underwritten” vs. “Pre-Approved”
● Move quickly in a market that rewards efficiency
● Proven industry leader (Yelp)
● ***Accessible – Big TEAM to cater to my clients & Realtors***
● Help approximately 200 families a year
● Very competitive rates/LOCAL lender
I will NOT let you down!

60. When Is the Best Time To Buy?

61. Home Buying
What’s Next?
Let’s chat about you.

62. Home Buying
• Private 1-on-1 Half Hour Meetings
• No Pressure
• Dan will review your credit report with you
Have questions?

63. Home Buying