Home Buyers Guide and Consultation Brokered By Justin

Home Buyer’s Guide and Consultation Brokered By: Justin Hamilton Xenial Homes *Brokered by RE/MAX Results* Cell: (801) 808 -5235 www. xenialhomes. com Email: justin@xenialhomes. com

Meet the Team Justin Hamilton, PSA - Pricing Strategy Advisor RENE - Real Estate Negotiation Expert SRS - Seller Representative Specialist Buyer Specialist • • Closed over 50 transactions 10 years experience in sales and customer relations Cell: (801)-808 -5235 Email: Justin@xenialhomes. com Curry Jones Team Office Manager and Licensed Transaction Coordinator • Over 150 coordinated closed transactions in 2017 • Experienced Event Planning, Customer Service and Client Relations • Office: (801) 830 -8199 • Email: Curry@xenialhomes. com Your Dreams, Our Mission

Introduction Xenial Homes We know that for most people, buying real estate is one of the largest and most important purchases that they will ever make with lifelong implications. With this in mind, we wish to thank you for the opportunity to earn your trust and business as a Realtor, Advisor and Resource in your decision to make this important and exciting purchase. Our goals are to: 1. 2. 3. 4. 5. Educate and inform Help find the perfect home that matches both criteria and budget Negotiate the best terms Assist through the contract/escrow period Make sure the transition to home ownership go as smoothly as possible We are a NO PRESSURE team, meaning we won’t sell you a home, we only educate you so that you are able to make the best decisions based on all of the information. We look forward to getting to know you and assisting you through the difficult yet exciting process of purchasing real estate in Utah! Thank you again for the opportunity! Cell: (801) 808 www. xenialhomes. com Email: Justin@xenialhomes. com

Why Use a Buyer’s Agent Purchasing a home is a big step, and a big decision. The average person spends around 1/3 of their income on their home. The home that you choose has a big impact on your life, and can have a big impact on your finances, as well. A good Buyer’s Agent is invaluable to a Buyer, and can be the difference between a wonderful transaction, and a nightmare. 1. Full Access to the MLS - The Multiple Listing Service (MLS) is a powerful tool that only Realtors can access. When listing agents market a home for sale, they typically allow any Realtor to present the home to potential buyers, and to present contracts for purchase. The MLS is a database of all homes listed by Realtors, and represents roughly 99% of the homes for sale in any given market. The MLS has evolved into an extremely powerful search engine that allows a Realtor to enter in search criteria, and returns only homes that match those specific parameters. 2. Maximize Your Time - While driving neighborhoods is an excellent idea to help you decide which locations you prefer, it’s not a very efficient way to find your new home. Your Buyer’s Agent will listen to your needs, make fantastic suggestions based on your likes & dislikes, and provide you with a list of homes that ALL match your wants & needs. A good Buyer’s Agent will help you better organize your search & decision making process – saving you valuable time. 3. Representation - Listing Agents enter into legally binding agreements that require them to ALWAYS act in the best interest of the Seller. Luckily, your Buyer’s Agent is there to make sure YOUR best interests are accounted for. With your expert Buyer’s Agent in your corner, you can rest assured that you’re on, at least, even ground with the home seller. 4. Negotiating Power - The MLS maintains a record of, not only all homes listed by Realtors in a given market, but also the sales price of those homes. Your Buyer’s Agent will run a Comparative Market Analysis (CMA) to determine a prospective home’s Fair Market Value (FMV). In simpler terms, your Realtor will look at similar homes in the same neighborhood that have sold recently. This way, you will know whether or not the seller has their home priced fairly. 5. Experience - The average person buys 3 -5 homes in their lifetime. A good Buyer’s Agent will assist in 2 -3 home purchases every month. What might seem complicated and intimidating to you is fairly common and familiar to your Realtor. Your Buyer’s Agent will know what to expect, and will know when to alert you if anything out of the ordinary occurs. 6. Industry Contacts - It takes a lot of people to close a real estate transaction – Buyer’s Agent, Listing Agent, Loan Officer, Inspector, Appraiser, Insurance Agent, General Contractors, and sometimes more! A good agent will come with a strong closing team that has performed in the past, and will continue to perform. A transaction is only as strong as its weakest link! With your Buyer’s Agent & their closing team, you can rest assured that you will have plenty of support. 7. Peace of Mind - If you are like most people, your home is the largest purchase you will ever make. The average person spends around 1/3 of their total monthly income on their home. This is a big decision and you don’t want to go at it alone. When you use a trusted Buyer’s Agent, you know that your best interests are accounted for, and that you can feel confident in your purchase. Your Dreams, Our Mission

Buyer’s Agency with Xenial Homes We are: 1. Full-time Realtors 2. Professionals, NOT salespersons – You will be served, NOT sold! 3. Experienced, Trained and Motivated to meet the needs of our clients! We strive to fulfill our fiduciary duties to the highest level: 1. Loyalty 2. Obedience 3. Full disclosure 4. Confidentiality 5. Reasonable care 6. All other duties required by law Read our reviews: 1. View our Zillow. com profile: https: //www. zillow. com/profile/Justin-Hamilton 9/#reviews 2. Facebook https: //www. facebook. com/pg/xenialhomes/reviews/ Commissions In Utah, most real estate transactions consist of a Listing Agent, who represents the Seller, and a Buyer’s Agent, who represents the Buyer. For homes on the MLS, the Seller offers a commission to the Buyer’s Agent. The 6% number that is often spoken of refers to the total commission the Seller pays. Often this amount is divided in half with 3% to the Listing Agent and 3% to the Buyer’s Agent. However, commissions do vary. It is all negotiable and decided between the Seller and the Listing Agent. We have seen the amount of BAC offered range from a flat $10 to as high as 4. 5% of the purchase price. The vast majority of homes listed on the MLS do offer between 2. 5% and 3%. Many homeowners try to sale their homes by themselves, For Sale By Owner (FSBO), without a Listing Agent and without listing it on the MLS. We are more than willing to help our Buyer’s purchase a FSBO. The vast majority of these Sellers are more than happy to pay a 3% BAC to a Buyer’s Agent. On our Team, we ask our clients to help us receive a 3% BAC for our services, although we only require a minimum of 2. 5% BAC on our Buyer-Broker Agency Agreement. When a Seller offers less than 3%, we ask permission from our Buyer’s to allow us to request a 3% BAC with any offer that we send in. Cell: (801) 808 -5235 www. xenialhomes. com Email: justin@xenialhomes. com

Different Types of Homes for Sale In today’s market, it is crucial that a Buyer understand the different types of listings/Sellers to have the best chances of landing an amazing deal. Below is a list of the different types of Sellers/Listings and the pros and cons of each type: 1. Equity Owner Occupied Homes: a. Definition: Sellers are owner occupants who have plenty of equity to sell their home b. Pros: Well-maintained, accurate seller disclosures, sellers great source of information c. Cons: Sellers emotionally connected to home, can make negotiations difficult 2. Rentals/Investment Properties: a. Definition: Non-owner occupied home used for rental revenue b. Pros: Seller not emotionally connected, easier to negotiate with (all about numbers) c. Cons: Bare minimum maintenance, Sellers not great help with disclosing condition 3. Flips/Remodels: a. Definition: Homes bought, remodeled, updated and sold for a profit b. Pros: Remodeling already done, negotiations just about the numbers c. Cons: Quality of remodeling, pay $2 for every $1 put in, not much info from Sellers as to history of home 4. Short Sales: a. Definition: Seller owes more than market value of home, requests bank to accept less than what is owed instead of foreclosure (foreclosure is a very costly procedure) b. Pros: Can sometimes get home for less than market value c. Cons: Take a very long time, some never work, banks often approve price higher than the list price, distressed property which has years of deferred maintenance, Sellers not great help with condition 5. Bank-Owned/Foreclosures/REO: a. Definition: Bank forecloses on a home and puts it on the market to recoup their loss b. Pros: Can sometimes be a very good deal c. Cons: No Seller Disclosures, deferred maintenance, poor condition and vandalism as home sat vacant for an extended amount of time 6. For Sale By Owners (FSBO): a. Definition: Owner tries to sell home without Realtor and off the MLS b. Pros: Can sometimes get good deal, less chance of multiple offer with less exposure c. Cons: Easy for experienced seller to take advantage of Buyer, difficult for buyer to obtain accurate info on home, lack of liability protection without Realtors 7. New Construction: a. Definition: New home partially or fully or to be built. b. Pros: Brand new; can be built custom or semi custom; usually not multiple offers; choose features and pick floor plan; usually come with warranty c. Cons: Usually end up must more costly than originally advertised/contracted; take a while to repair/find kinks; time consuming process with lots of decisions; conceptual vs. actual; can’t lock interest rate until finished; usually more expensive to build custom home Your Dreams, Our Mission

Buying a Home The 5 Stage Home Buying Process 1) Preliminary Stage – Resource/Advisor • Choose a Buyer’s Agent - Discuss Agency • Get Pre-Approved with Preferred Lender (Trust & Communication) • Discuss Desired Criteria with Agent 2) Home Showings - Local Market Expert/Tour Guide • • Tour Homes (Typically 2 -5 homes per outing) Revise Criteria and Tour Homes as Needed Discuss Pros/Cons of Favorite Homes Choose Home to Make Offer 3) Negotiations - Negotiator • • Perform CMA (Comparative Market Analysis) to Identify Market Value Discuss Home Buying Strategy Per Market Conditions Draft, Sign and Present Offer to Listing Agent with Convincing Information Negotiate until Acceptance or Rejection 4) Under Contract – Problem Solver/Mediator • • Forward Executed Contract to Lender for Processing Collect and Deposit Earnest Money into Brokerage Trust Account Order and Review Preliminary Title Report Review and Discuss Seller Property Condition Disclosures Due Diligence Deadline: Inspections, Renegotiate Terms as needed Appraisal Deadline: Review Appraisal, Renegotiate Terms as needed Financing Deadline: Work with Lender to get Final Approval 5) Closing – Facilitator (Second Pair of Eyes) • • Review Closing Documents for Accuracy (HUD-1) Attend Closing/Settlement with Buyer(s) Follow-up on Funding and Recording Help Client Move and Set-up Utilities After closing we are still your agent! We are more than happy to assist you with any questions, concerns or needs that may arise after closing! Cell: (801) 808 -5235 www. Xenialhomes. com Email: Justin@xenialhomes. com

Our Commitment to You This presentation has explained there are many factors that go into the successful purchase of a home. The buyers criteria must be determined and refined, the right home must be found, educated and experienced negotiations must take place, financing must be obtained, problems must be worked out, organized and systematic follow-up and mediating must occur, and the right professionals need to be in place to make sure this all happens! The Fields Team knows how to handle every aspect of the sales process, from assisting in determining criteria to making attractive offers to ensuring that everything's signed, sealed and delivered by the closing date -- and we keep our clients fully informed every step of the way! We do so because we really enjoy helping people with their real estate needs, and take great satisfaction in doing everything we can to get them through the major transition that accompanies the purchasing of real estate When you purchase real estate with us, we promise to provide you with first-class real estate service so you get the best deal on the best home for you and the whole experience is as enjoyable and stress-less as possible. That is our commitment to you and we look forward to being of service. Additional Incentives Our business-marketing plan is based in part on the principle that the best businesses are referral based. In addition, we reduce the listing commission even further for repeat clients, for those who agree to both buy and sell properties through us, for certain types of professionals, and also when we find the buyer through the listing. In addition, as a client you will be invited to the events that we sponsor, including FREE rides in the RE/MAX hot air balloon, Pre-Opening Showings of Blockbuster movies, "Party at the Park/Beach" Events, BBQ's, etc. Be sure to register to The. Fields. Team. com to receive announcements for these events in addition to quarterly market updates and other important real estate announcements. My goals are to make the buying and selling process a very positive experience while getting the best deal possible in your behalf, and prove to you that client satisfaction is truly my number one priority so you feel comfortable referring your friends, family and acquaintances.