Home Buyers Guide - Birmingham, Alabama

BUYER’S
GUIDE
MegaAgents.com
Many agents think their most important job is satisfying
the customer. We don’t think that’s true. We believe that
satisfying the customer is simply the minimum requirement
for staying in business. We work constantly to improve our
systems, processes, and services to go well beyond the
standard level of “service” provided by most agents.
Simply put, our objectives are to get you the best value,
in the least time, and with the fewest hassles. We want to
provide the absolute best service in the industry. Period!
We want to make sure that you are 100% completely

SATISFIED with the purchase of your new home. It is our
hope that you will happily refer our Mega Team to all of
your friends and family.
The Mega Agent Real Estate Team

RE/MAX Advantage
2 www.MegaAgents.com • 205-267-1520
Meet Our Team
COLLIER
Collier Swecker is a founding partner of the Mega Agent
Real Estate Team at RE/MAX Advantage. Collier leads
the team’s listing division. Collier and his Mega Team are
among the most successful Real Estate Agents in the
Birmingham Alabama real estate market. As a Realtor®,
he has been able to utilize his legal and marketing skills
to help clients save thousands of dollars and avoid costly
contractual mistakes.
Collier graduated from Auburn University (B.A., 1998),

Cumberland School of Law (Juris Doctor, 2002) and
Washington University School of Law in St. Louis (Masters
of Law in Taxation, 2003). Collier was the principal
partner in a law practice, Swecker and Sparks, for
3 years in Auburn, Alabama.
Collier is married to Amanda Capps Swecker and lives

in North Shelby County. Collier & Amanda are the proud
parents to a beautiful daughter, Julia Abigayle.
www.MegaAgents.com • 205-267-1520 3
Meet Our Team
CARIN
Carin Charles brings extensive experience and
knowledge of advertising and marketing along with a
strong business acumen to her position as a Realtor with
the Mega Agent Real Estate Team at RE/MAX
Advantage. After 15 years specializing in marketing,
Carin merged her expertise with her passion for real
estate, providing an unsurpassed choice for anyone
ready to purchase or sell a house. With her background
in real estate investment and flipping she is able to
advise her clients on making smart real estate purchases
and maximizing profits hen selling a property.
She graduated Summa Cum Laude from The University

of Alabama (B.A., 2000) with a major in Public Relations
and a minor in Marketing. She continued her education
at The University of Alabama at Birmingham (MBA, 2004)
and earned a Masters in Business Administration with
top honors. A native of Gardendale, Alabama, Carin has
lived throughout the Birmingham-Metro area, exposing
her to the charm and character of each part of town.
She is married to Brad Charles and their family lives in the
Greystone area of Birmingham, Alabama. They have two
children, Caroline and Brennen. They are active members
of Double Oak Community Church located in the Mt.
Laurel community.
KATHY
Kathy Southerland brings over 15 years of executive
corporate experience to the Mega Agent Real Estate
Team. Kathy has a passion for finding that per ect home
for her clients. She loves putting deals together and
getting her clients the absolute best deal at the absolute
best price possible.
Kathy is a lifelong resident of Alabama and currently

lives in Pelham, Alabama. Kathy is married to Steve
Southerland and they have two children, one beautiful
granddaughter and three granddogs. Kathy enjoys
spending time with her family, reading, crafting, and
going to flea arkets and antiquing with her husband.
Meet Our Team
ANGEL
Angel Brown is a graduate of the University of Alabama at
Birmingham with a B.S. in Secondary Education (2003) and
Nursing (2005). Born and raised in Birmingham, she has lived
in many cities throughout the Birmingham Metro Area. She
is married to Clete Brown and they have two children, Abby
and Luke. Angel enjoys spending time at the lake, beach
and at her kids sporting events including gymnastics,
football and baseball.
Angel’s love of real estate has grown over the last decade.
Alongside of her husband who is a general contractor
and a residential home builder, she enjoys flipping houses
and owning investment properties. She loves sharing her
experiences and knowledge with home buyers, sellers and
investors.
HALLIE
Hallie Underwood is the Mega Team’s Director of Client
Care. She is a graduate of the University of Southern
Mississippi with a Bachelors Degree in Journalism / Public
Relations and a minor in Political Science. She loves being
involved in community service and helping others.
JULIE
Julie May is the Marketing Director for the Mega Agent Real
Estate Team and owner of Anything Creative, a creative
design fi m. Julie has partnered with the team to create
compelling advertising and sales material for our programs
and listings. She brings more than 15 years of design and
marketing experience to The Mega Agent Real Estate
Team.
Julie graduated from The University of Alabama with a

degree in Communications and a minor in the Computer-
Based Honors program. She is married to Jordan and has a
daughter, Abigail and son, Preston.
Meet Our Team
TRISTA
Trista Ehlers is the Director of Property for Mega Agent
Rental Management LLC. Trista has years of sales and
management experience along with keen attention to
details and organization. She absolutely loves working in
property management and look forwards to managing
your property.
Trista enjoys spending time with her husband James and

their two children, Laine & Bryne. In addition, she and her
family host an International exchange student every school
year. Trista’s hobbies include reading, traveling, making
jewelry, watching moves, and walking her two dogs Boris &
Luda. Trista is a member of Helena United Methodist Church
and is an active volunteer with their youth group.
RUBY
Ruby Dela Cruz is one of the Mega Team’s Lead Client
Care Managers. Ruby has a Bachelors Degree in
Advertising and has years of management and marketing
experience which enhance her ability to assist home
buyers locate that perfect home. She lives with her
husband and their one son.
REIGN
Reign Patajo is a Client Care Manager for the Mega
Agent Real Estate Team. She graduated with Bachelor’s
Degree of Science in Nursing. Formerly Reign was IP
Relay communications assistant for the deaf & mute and
administrative technology specialist. Reign loves learning
to cook, teacher of aerial arts and is a bodybuilder training
for Amateur Olympia. She lives with her husband and one
daughter.
Buying With The Mega Agent Team
Your Exclusive Buyer Agent

There are several ways in which you can be represented during the purchase of a
new home. Why do people often choose the worst form of representation? Usually
it is because of misinformation about the home buying process. Our goal is to be
your Exclusive Buyer Agent and to assist you in making well-educated and informed
decisions throughout the home buying process.
Types of Agency
There are two types of relationships that exist between Real Estate Agents & Buyers:
n Seller Agency n Buyer Agency

The agent represents the Seller The agent represents the Buyer
and owes “Fiduciary” duties to and owes “Fiduciary” duties to
the Seller Only. the Buyer Only.
There are HUGE

SERVICES/DUTIES benefits to having
PROVIDED: a Buyer’s
Agent Represent
SELLER AGENT You!
BUYER AGENT
Protect the Buyer’s Interests at ALL Times 3
Advise and/or Disclose to Buyer ALL MATTERS
(even if it means pointing out reasons NOT to Buy!) 3
Prepare Property Value Study or CMA for Buyer
(even if low) 3
Represent the BUYER Exclusively 3
Keep BUYER’S Financial capabilities, thoughts &
willingness to pay more strictly confidentia 3
Represent BUYER’S on MLS Listed properties PLUS
Foreclosures, Bank properties, Auctions, FSBOs, Builder 3
Closeouts and even OFF MARKET Properties
Negotiate Home Inspection, Repairs, Occupancy
Dates & Buyer Credits & Costs in BUYER’S Favor
3
Agent Owes Fudiciary Obligations to Buyer ONLY 3
What We Can Help You Buy

Our team of Exclusive Buyer Agents will evaluate
your home buying needs in our fi st meeting with you The
and we will then be better prepared to assist you in bottom line
your home buying search. Our team is highly skilled is to save
in locating the ideal home for you, whether it’s an you time &
existing home, a for sale by owner, or even a brand money!
new construction home!
Existing Homes
Once we know your wants and needs, we will spend time researching properties
that meet your criteria. We will show you homes listed by any brokerage fi m in the
Birmingham area, and we are able to narrow a list of hundreds of properties down
to a manageable number of properties. Our mega agents visit hundreds of homes
every month and through this real market knowledge, we are able to save you
valuable time in the home buying process. We narrow the list and show you only the
most well-kept homes, in the best areas, at the best value, that meet YOUR criteria.
The bottom line is that our systems save you time and money!
For Sale By Owner

We often work with homeowners who want to sell their home themselves. In fact, many
of our listings are people who have tried unsuccessfully to sell their homes themselves.
We maintain awareness of all for sale by owner properties in the Birmingham area and
will be happy to arrange a showing for you. In this transaction, you will continue to be
represented by us with our buyer’s representation agreement. It is the seller who loses,
as they complete the transaction with absolutely no professional representation.
New Builder Construction

Many home buyers are not aware that the sales representatives at new construction
sales centers work for the builder, and do not represent the buyer’s best interests. We
have extensive knowledge of area builder reputations, floor plan , and lots, as well as
schools, neighborhoods, and amenities. As your Exclusive Buyer Agent, we will negotiate
the purchase price on your behalf with the builder and assist you in selecting plans and
upgrades. We will work throughout the transaction to ensure the building process goes
smoothly.
So You’re Ready to Buy a New Home!

Whether this is your fi st home purchase or one of many, we would like to provide
you with some basic information to prepare you for your home search. Buying a
home is an exciting process. It is important going into the transaction that you
are aware of the costs that you will incur when purchasing your home, as well as
what your monthly payments will be once you are living in your home.
3 Checks Prior to Closing
#1 FINANCING You will need to write three checks prior

to closing on your new home. All costs
Before we get started... are average and will vary with the price,
size, and features of your new home.
The single most important thing
for you to do before beginning
your new home search is to Earnest Money (Approx. $500 - $1,000):
select and meet with a local Payable to the listing agent broker at
mortgage lender. It is important
receipt of the contract. This will be
to do this before we begin our
credited toward your closing costs.
search for several reasons:
Home Inspection (Approx. $350–$450):
Payable to the inspector at time of the
1. It allows you to determine inspection during the inspection period.
how much your monthly
payment will be. Appraisal (Approx. $500):
Payable to the lender after the
2. It helps us to determine what
price range we should stay inspection period expires.
within.
3. It gives you an estimate of

how much money you will
need to have for the down
payment and closing costs.
4. Most importantly, it helps us to

negotiate from a stronger
position with the seller.
Your Monthly Payment—PITI SAMPLE PAYMENTS

Your mortgage payment based on a
The monthly payment on your new 30-year fixed-rate mortgage at 5% interest.*
home will include the principal and Loan Amount Monthly Payment
interest on the loan you receive $100,000 $537
from your mortgage company. In
$110,000 $590
addition, you will be responsible
$120,000 $644
for paying annual property taxes
$130,000 $698
and homeowner’s insurance. If you
$140,000 $751
choose, you can have your taxes and
$150,000 $805
insurance added to your monthly
payment (some loans require this), or $160,000 $859
you can pay them on an annual basis. $170,000 $912
The table at the right will give you an $180,000 $966
idea of the monthly payment you can $190,000 $1,020
expect, including your loan principal $200,000 $1,073
and interest (P & I) based on a 30-year $210,000 $1,127
fixed- ate mortgage at 5% interest. $220,000 $1,181
The interest rate can greatly affect $230,000 $1,234
your buying power. Be sure to talk with $240,000 $1,288
a lender about current interest rates $250,000 $1,342
and how they will affect your monthly $260,000 $1,395
payment. Taxes and insurance will $270,000 $1,449
vary greatly depending on the area $280,000 $1,503
in which you live and the features of $290,000 $1,556
your home. (Generally, on a $100,000 $300,000 $1,610
to $200,000 home, your taxes will range $310,000 $1,664
from $750 to $1,600 annually and your $320,000 $1,717
homeowner’s insurance will range from $330,000 $1,771
$300 to $800 annually.) $340,000 $1,825
$350,000 $1,878
Once you have found the home
$360,000 $1,932
you want to purchase, your lender
$370,000 $1,986
will complete a Good Faith Estimate.
$380,000 $2,039
The estimate will give you an
$390,000 $2,093
approximation of your closing costs
and monthly mortgage payment. $400,000 $2,147
*Monthly payments listed are principal and interest only.

Taxes, insurance, and private mortgage insurance
(if applicable) are additional.
Real Estate Experts
3 Key Benefits of
PRE APPROVAL EACH STEP
n You will know exactly how much
home you can afford, before you
OF THE WAY
You will benefit from our...
start looking and how much, if any,
cash is required and what your
monthly payments will be.
1. Innovative Home Loan Programs
n You get the best financing (lowest
rates, most favorable terms and 2. Leading Edge Technology
highest quality of service) as a result
of our long-standing relationships 3. Specialized Market Knowledge
with several of the best lenders in
4. Unique TEAM Sales Approach
the business.
5. Valuable Consumer Benefit
n You can make a stronger offer and
beat out other buyers as a result of
being pre-approved.
CONSIDER THESE 2 SITUATIONS:

Buyer A Buyer B
(Not Pre Approved) (Pre Approved)
n $325,000 n $325,000
n Offer Conditioned on Getting n Offer Made With Lender’s

Financing With No Assurance Written Pre-Approval Letter!
Of Loan Approval
n Financing GUARANTEED in
n Uncertain Ability To Secure Writing By Lender!
Purchase Funds
Which Offer Do You Think The Seller Will Accept?
Real Estate Experts
With our Specialized Knowledge Our
“When we sold our home, we
needed to find new house and
Team Will...
we only had a few weeks to close.
Collier was critical in not only n Do the best job of finding that one “perfect
showing us new homes, but in every property” for YOU.
aspect of the purchase of our new
home. From negotiating a good n Do the best job of preparing an offer that
solid price, to providing advice, to meets YOUR needs at the lowest price and
arranging a quick closing, to setting
best terms.
up inspections and etc., Collier
and the Mega Agent Real Estate
Team at RE/MAX Advantage were
n Do the best job of presenting & negotiating
fantastic. We could not have asked your offer so that the deal is in YOUR favor
for a better experience and we and YOUR interests come fi st - NOT the Sellers!
love our new home.”
n Do the best job of closing transaction with
Russell – Hoover, AL
the least cost and hassle to YOU.
“Mark was incredibly professional,

as was the staff. I couldn’t ask for Unique Team Sales Approach
a better experience. He really
knows the business which made n Most agents are one-man shows with limited
negotiating the sales price and resources, time & energy, juggling several
terms of purchase of our home
clients with little or no help and limited funds.
a much easier experience than
How can those agents give you a world class
I thought it would be. He also
made himself easily available for service experience?
questions or concerns.”
Amy – Birmingham, AL n Our hand picked Real Estate Sales TEAM has
several specialized professionals. Our TEAM
“I would recommend Carin always has time for you.
Charles to anyone who is thinking
of buying or selling a home. She is n Our unique TEAM approach means you get a
very proffessional and knows her highly qualified sta f of individuals, each with
business. She is very accessible. their own Specialized Knowledge and areas
Carin uses all the technology at of expertise.
her disposal. Her response time
is excellent. Email, text message, n Best of all, you get the entire Mega Agent
phone call. She is EXCELLENT at TEAM all working for YOU!
understanding what the client
prefers.”
James – McCalla, AL
Real Estate Experts
As Your Exclusive Buyer Agent, Our Team
Will Help you...
No other Real
n Secure the best financing at the L WEST rates
and terms for YOU. Estate Sales Team
n Find the best home for YOUR needs.
offers YOU all these
n Negotiate the lowest price & best terms for YOU.
Exclusive Buyer
n Meet YOUR home buying needs with the LEAST
Agent Services!
amount of hassle.
How Most Agents Pick Out Houses:

“Collier came highly
n They make a random search through the MLS recommended by trusted friends.
Using Collier was by far the best
n They pick out 6 to 8 homes decision of the entire house buying
n They try to sell you one of them process. Collier made himself
available no matter what time
n The wrong person is deciding which homes or what it was that I asked. His
you’ll get to see! knowledge of the area and the
business proved invaluable.
We Put YOU in Control: As stressful as buying a new

home and moving is, I could rest
assured he was working feverishly
n YOU pick the homes you want to see. to alleviate a large amount of our
worries.
n YOU get to choose when you see them and
drive by at your leisure! Sharon was quick to handle any
tasks that were presented to her
n YOU get all the info that the Realtors can see with a fantastic attitude and
including how much the present owners paid attention to our needs that is
for the property and ALL the data from MLS second to none.
system (not just the limited info the public can
We could not be more pleased
see).
with our experience at Mega
n YOU tell us which properties you are interested Agents. God forbid we have to
in and we will do additional research and move again, Collier is the first
arrange a showing of ONLY the properties YOU person I’m calling.”
want to see.
Brian Hortman, Birmingham, AL
Questions to Ask Your Realtor
Q: What are your references?

A: Your Realtor should be able to give you 5+ glowing references immediately.
If not, they might not be a Realtor® worth aligning with.
Q: Are you on a team or are you an independent agent?

A: There are benefits to both pproaches. Be sure to ask the reason “why.”
Q: How many transactions do you do each year? How many

current clients do you have?

A: You wouldn’t visit a physician, a dentist or a home builder without
experience. You should think of your Realtor® in the same way.
Q: Are you full-time or part-time as a Realtor? Do you have

another occupation?

A: This is the biggest financial t ansaction of your life. Be sure that the agent
representing you treats it that way with their time, focus and dollars.
Q: What is your communication style?

A: If you are a tech-based person and you
hire a Realtor® that isn’t - you’re set up
for frustration. The same goes if you
despise technology and your agent
relies solely on it. Make sure you’re on
the same page so expectations can
be met.
Questions to Ask Your Realtor
Q: What’s your marketing budget?

A: This is an especially vital question if you’re selling a home and equally
important to consider when you’re working with a Realtor as a buyer, too.
Your Realtor’s marketing strategies should provide the opportunity to see
listings on the market as well as potential listings (pocket listing).
Q: How do you handle a situation if you represent both the buyer and
the seller?

A: It is legal in most states for an agent to represent both a buyer and a seller.
This is called dual agency. There can be challenges and hurdles with this.
Make sure to discuss this at length with your Realtor®.
Q: What support do you have?

A: This is very important. Buying and selling real estate is a big deal and often
(vendors, resources)
times additional people and sacrifices a e needed to
make this happen for you. Make sure your Realtor® has great support to put
you in the best possible position.
Q: What are you tactics for a multiple offer situation?

A: Sometimes multiple offers will happen on a property. Handling this correctly
will mean the difference of thousands of dollars if you’re a seller or a buyer. If
this is handled incorrectly, it could result in not getting the deal you want.
Q: What seperates you from your competition?

A: Buying or selling a home is a life changing decision. Make sure you get the
best possible representation for your real estate transaction.
Home Buying Process
PHASE ONE PHASE TWO
Initial Consultation Order Mortgage Send Loan to
with Buyer Agent Appraisal Company Underwriting
Application for Loan Approval

Loan Pre-Approval Credit Report
Buyer Agent Order

Researches Closing Attorney Title Search
Survey
Properties
View Available Final Credit Check

Properties by Lender
Mortgage
Make Offer on Company
Property Negotiate Terms Delivers Final Loan
of Offer Documents to
Closing Attorney
Final Contract Closing Attorney

Prepares Closing
Disclosure Statement
Buyer to Arrange
for Homeowner’s Buyer Brings
Insurance Cashier’s Check to
Closing
Inspection
Period Home Inspection
7-10 Days Home Ownership
Negotiate for Inspection Refer your Friends

Repairs Addendum & Family to the
Mega Agent Real
Estate Team
Inspection
Period Ends
CONTINUE TO PHASE TWO
Home Buying Process
1 Seek pre-approval
for a mortgage
Typical time frame: 1 to 2 days
8 Schedule and Attend Closing
Typical time frame: 1 weeks after receiving Final
You must know how much you can Loan Approval
spend before you spend it.
8 The Real Estate Agents involved in the transaction will
Start
Here
1 2 generally set the date and time for closing at a local law
firm or title insurance company. The Buyer will need to
have Certified Funds for any cash that he / she is required
to bring to closing
2 Find a Home:
Typical time frame: 1 to 3 months
Depending on what you are looking for, the
length of your search will vary. The average
person sees 15-20 homes with their Agent before 7 Title Loan
Approval
Typical time frame:
7
deciding on one. Internet-savvy buyers save time
by doing their 'homework' before their search. 2 weeks
The average number of homes viewed before The Purchaser will receive
buying by our internet buyers is 8-10. final loan approval from
Lender with final loan
3 terms and conditions.
3
Mortgage applications
Negotiate typically cannot be
on the Home: processed without an
Typical time frame:

Time Line Guide executed contract. If the
home is going to be
for Purchasing
1 to 3 days financed, as most are, the
Everything is negotiable so Seller will want to know
inquire about fixtures, the that you have received
final approval for your loan.
roof, HVAC Systems, Here are the steps you'll take to find and close on the perfect home.
furniture, curtains,
appliances, closing costs,
HOA dues, etc. Homes
should be delivered to you in
4 6 Step 7
6
a 'swept clean' condition. As
a result of a successful Survey & Septic
negotiation, the parties will
have a fully executed Sales 5 Inspection
Typical time frame: Occurs
Contract with all terms and
4
after Home Inspection and
conditions fully negotiated. Home Inspection: takes no more than 1 day
5
The quicker the contract can Appraisal:
be signed, the better. A Typical time frame: Within 7 to 10 The only deadline on these
business days after finalized contract Typical time frame: 7 days activities is closing. Septic
contract is binding only after
both parties sign it. (See our If the home is contingent on a satisfactory home The appraisal is ordered by the Lender and Inspection occurs only in cases
list of closing costs inspection, any repairs that need to be usually only after a home inspection is where home is serviced by a
associated with buying and negotiated as a result of the inspection are completed to the satisfaction of the Buyer. septic tank.
selling a home in Birming- typically negotiated within 3 to 5 days of the The Buyer may have to pay the Lender
ham, Alabama.). actual date of the home inspection. upfront for the Appraisal.
Home Buying Process
Tasks and Time Frames

We will go through several steps together while finding and pu chasing your home. For many
of these we simply inform you that the task has been completed for you; however, others may
require some work from you. We inform you about every aspect of the transaction and remind
you when there are tasks that you should be working to complete. The chart on the previous
page shows the fl w of these tasks so you can better understand the home buying process.
The fi st step in buying a home is to obtain loan pre-approval.

Task:
This provides you with the information you need to determine
Secure Financing how much home you can afford and what type of monthly
Time Frame: payment you are comfortable with. In addition, many sellers do
Before We Begin not consider offers from buyers who are not pre-approved. We
Looking work with several lenders who have proven to offer exceptional
customer service and competitive interest rates.
Three elements are crucial to the purchase of a home:
Down Payment, Closing Costs & Qualifying for a Mortgage
Down Payment
Conventional lenders typically require a 20% down payment, although you may be able to
find loans with no d wn payments. With down payments less than 20%, you will likely have to
pay private mortgage insurance, which guarantees the lender will be repaid in case of default.
Mortgages insured by the Federal Housing Administration (FHA) and those available to U.S.
veterans often require very low down payments. FHA only requires a 3.5% down payment.
Ask your lender if you can qualify for one of these loans.
If you have trouble coming up with the down payment, there are some tips to ease the burden:
Start early.
Begin saving for a down payment as soon as possible. After a few years, it adds up.
Ask for a Conventional 97 mortgage, underwritten by Fannie Mae.

It only requires 3% down provided that you have good credit.
Home Buying Process
Convert stocks.
Consider selling stock for the down payment. The housing market is often a better
investment. Sell an asset. If you have “toys” such as a boat, extra car, or other asset, consider
selling it for the down payment.
Money from relatives.

Today, lenders will allow you to use money from relatives as the down payment if it is
provided as a gift. Check with your lender for restrictions.
2. Closing Costs
No matter what home you buy, there will be closing costs. These can include origination fees,
title insurance, attorney fees, a termite report, appraisal fees, document preparation fees and
loan underwriting fees. Usually, these are due at closing, but in certain situations they can be
folded into the mortgage.
3. Loan Qualificatio
Primarily, your income plus the interest rate that you secure, determines the size of the mortgage
for which you qualify. The higher the interest rate, the higher your monthly payment. The higher the
monthly payment, the more income that you will need to qualify for the mortgage. Conventional
financing lenders generally limit the monthly payment to 43% of your gross monthly income.
Exceptions can be made depending on individual circumstances. The amount of debt you
currently have may also factor in the decision. You absolutely need to contact a Lender prior to
making any offer on any house. This head start gives you a chance to resolve any problems that
may arise without the pressure of contract deadlines.
Upon acceptance of your offer, you will arrange for an

Task: inspection of the property. This needs to be completed during
Inspection the inspection period so that if something is discovered during
the inspection (that you cannot live with and the seller is not
Time Frame: willing to fix), you may cancel the contract and receive a refund
At Acceptance of your earnest money. The inspection will take two to four hours,
of Offer and we strongly suggest you attend the home inspection. All
homes will likely have a long list of minor repairs. However, we
are mainly looking for major mechanical or structural defects to
the property. The cost of the inspection varies based on the size
and features of the home and will range from $350 to $450. This
payment is due at the time of the inspection.
Home Buying Process
Task: After the Inspection, we will complete an amendment to the
contract. This amendment will include any items that were
Inspection
discovered during the inspection that you would like the seller to
Addendum repair for you. We will negotiate on your behalf with the seller for
Time Frame: the repairs you want completed. Once an agreement on repairs
Immediately to be completed has been reached, you will forfeit your right to
After Receipt of ask the seller for any further repairs on the property.
Inspection Report
Task: In order to close on your new home, you need to arrange for
Obtain Homeowner’s Hazard Insurance. You will need to notify your
Homeowner’s lender of the insurance company you choose, a contact name,
Insurance and phone number. You may receive a discount by having
your car insurance and homeowner’s insurance with the same
Time Frame: company, so check with your current insurance agent about
During Inspection that. We recommend that you obtain at least two estimates
Period from different insurance agents and then make a decision.
Task:
You will need to transfer the utilities into your name before moving
Transfer Utilities/ into your new home. In order to save money on hook-up fees,
Schedule call ahead and ask the utility companies to transfer the billing to
Services your name upon cancellation by the seller. In the enclosed utility
Time Frame: provider list you will find contact in ormation for most of the utility
Two Weeks Prior companies in Birmingham and the surrounding areas. If you need
to Closing further information, please call us; we are here to help you.
Obtaining pre-approval for a home loan is just the fi st step in

Task:
funding your loan at closing. Many times buyers plan to use
Funds Available monies from stocks or 401(k) retirement plans as down payment
in the Bank/ on their new home. If you plan to liquidate stocks or 401(k) to
Ensure Loan supplement your down payment, the money from the sale of
Quality these funds must be available in the form of cash in your bank
Time Frame: account at least 72 hours prior to closing. Because a withdrawal
from a 401(k) can be a complicated and time-consuming
Two Weeks Prior
process, we advise you to begin the withdrawal of these funds
to Closing immediately.
Home Buying Process
On average, most home mortgage loans goes through a quality control check. The lender does
this to ensure that the borrower’s financial status has had no change since the pproval of the
loan was granted. No matter how good your financial situation lenders strongly advise against
changing your financial status f om the date of your loan approval. This includes, but is not limited
to, applying for new credit, gaining new credit, purchasing appliances, furniture, cars, changing
jobs or quitting your job. An appropriate time to make any of the above financial changes
would be after the closing and funding of your new home. If you have any questions about
your purchase decisions while you are waiting to close on your new home, please consult your
mortgage lender for professional advice.
Task: One day prior to closing, or sometimes just hours prior to

closing, the closing attorney will complete the Closing
Closing
Disclosure statement. This is the document that tells us how
Disclosure much money you will need to bring to closing.We will call
Time Frame: you with this amount and tell you the location of the closing.
One Day Prior You will then need a cashier’s check made out to the closing
to Closing attorney in the correct amount. Bring this check along with
your driver’s license to closing. You may also be able to wire
funds directly from your bank.
You will receive keys to your new home from the seller
Task: when the loan funds. You may be able to begin moving
Closing in immediately following closing. The closing will take
Time Frame: approximately one hour.
Day of Closing
Estimated Costs
BUYER PAYS FOR: APPROXIMATE AMOUNT:
Earnest Money Min. $500
Appraisal $450
Credit Report $30
Home Inspection $350-$450 (based on square footage)
Origination Fee 1% of the loan amount
Attorney Fee $375
Termite Inspection $150
Survey $300 - $500
Flood Certificatio $15
Recording Fee $1 per thousand of purchase price
Deed Tax $1 per thousand of consideration (amount you put down)
Mortgage Tax $1.50 per thousand borrowed
Title Insurance Purchase Price x .00355 / 2
Property Tax/HOA Dues Prorated from date of closing
Express Mail $35-$40
Hazard Insurance Purchase price / 1000 x $3.50
Prepaid Interest Daily interest amount x days remaining in month
OUR CANCELLATION GUARANTEE
Your Agreement With Other Agents is Full Of Potential Pitfalls
Entering into a buyer’s agreement with a real estate agent can be a risky business. Every sales
representative will promise the world when it comes to finding you a home, but how many of them
actually deliver on the promises? According to a recent survey, more than 80% of homebuyers were
dissatisfied with the performance of their agent, even if that agent sold them a property. The fact is, most
buyer agreements lock you into long-term commitments and lengthy broker protection periods with heavy
cancellation fees. In other words, it’s an agreement that your agent can get out of, but you can’t.
Your Agreement With Us Is Risk-Free!
As your Buyer Specialist, my job is simply to find you the right home as quickly as possible, before the
competition finds it. The reason I’m so confident I can do this (and do it well!) is because our team has
already helped hundreds of people just like you.
My pledge is to provide to you with the highest level of service in the real estate industry, and my
commitment to this pledge is 100%. So here is my Guarantee: I am so confident that our real estate
systems will work for you, I will allow you to cancel our buyer agency agreement at any time prior to
submitting an offer to purchase a home, with no penalties or obligations, if you feel that my service does
not live up to my promise.
Buyer: ___________________________________ Date: ____________________
Buyer: ___________________________________ Date: ____________________

BUYER AGENCY AGREEMENT
Date: ____________________ Expiration Date: ______________________
Buyer(s): __________________________________________________________________
Agent: _______________________________________ Broker: REMAX ADVANTAGE
1. Agency Agreement. Buyer retains Agent and Broker to act as Buyer's real estate agent in the purchase and/or
leasing of real property. Agent agrees to represent Buyer in accordance with the duties of a real estate broker /
agent set forth under Alabama law, including the duty to make a good faith and continuous effort to find a property
for Buyer. Buyer has received a copy of the pamphlet, What Consumers Need to Know When Working With a Real
Estate Broker, which provides buyers with a description of the different types of brokerage arrangements so that
consumers can choose the type of brokerage services best suited to their needs. (A copy of this can also be found
at www.MegaAgents.com.) By authorizing Broker / Agent as Buyer’s exclusive agent, Buyer agrees to conduct
negotiations for the property through Broker / Agent, and to refer all inquiries by any sources whatsoever to Broker /
Agent.
2. If, during the term of this Agreement, Buyer purchases any Property for which Agent provided Real Estate Broker
Services. On listed property, Agent's compensation will be the selling office commission paid by Seller, subject only to a
minimum commission of $2,500. Any monetary difference between the amounts paid by the Seller as commission and
$2,500 shall be paid by the Buyer, at closing. On unlisted properties or properties where the Seller will not pay a Buyers
Agent commission, Buyer agrees to pay a minimum commission of $2,500. Any commission paid by the Seller or Sellers
Broker shall be credited towards Buyer's commission due to Broker /Agent. If the commission paid by the Seller or Seller’s
Broker is more than the amount due Agent under this paragraph, then agent shall be entitled to the full amount of any
commission paid by the Seller. All commissions shall be paid at closing or in a case where the Buyer has defaulted on any
sales contract the commission that was due to Broker / Agent shall become due and payable immediately in cash from the
Buyer. Buyer agrees that Broker / Agent may be compensated by both Buyer and Seller. Buyer understands that if Broker /
Agent is compensated by Seller or Seller’s Broker, such compensation does not compromise Broker / Agent’s duty to Buyer.
Additionally, if additional compensation, incentive, bonus and/or valuable consideration is offered through the MLS or
otherwise, Buyer will permit the Broker / Agent to receive it in addition to the normal commission referenced herein.
Broker / Agent shall timely disclose the promise or expectation of receiving any such additional compensation and confirm
the disclosure in writing before the Buyer accepts an offer to buy a property.
3. Termination. Buyer, Broker / Agent may terminate this Agreement at any time by giving written notice. If Broker /
Agent terminates this Agreement, Buyer shall be released from any further obligations. If Buyer terminates this Agreement
or it expires, then Buyer shall be released from all obligations, except that if Buyer purchases a property within 60 days
after termination or expiration, and Broker / Agent provided real estate brokerage services for that property during the term
of this Agreement, then Buyer agrees either: (1) to use Broker / Agent's services in connection with that purchase in
accordance with the provisions of paragraph 2; or (2) to pay Broker / Agent the commission that would have been
received in connection with the transaction, even if a commission is also paid to another Broker / Agent. Buyer agrees not
to terminate this Agreement to prevent Broker / Agent from receiving a commission.
4. Condition of Property And Necessity of inspection: Buyer acknowledges and agrees that:
a. In locating properties for Buyer, Broker / Agent may rely on statements or representations of others and that any given
property may not satisfy all the requirements expressed by Buyer, and that Buyer makes Broker / Agent makes no
representations whatsoever regarding the condition of property or its suitability for Buyers intended purposes.
b. Broker / Agent lack the expertise to determine the condition of he property and therefore, Buyer will not rely on any
statements or omissions made by Broker / Agent regarding the condition of the property and/or the boundary lines of the
subject property.
c. Buyer, not Broker / Agent, has the responsibility to determine or verify, either personally, or through, or with a licensed
contractor or other representative of Buyers choosing, any and all conditions of the property material to Buyerʼs decision
buy the property.
d. Buyer is aware that professional inspection services and/or contractors may be engaged for this purpose and that Broker /
Agent strongly recommends the use of such professionals.
5. Attorney Fees. In the event of a fee dispute, the prevailing party shall be entitled to reasonable attorney fees and
actual expenses.
6. Agent Contact Information. Buyer may reach Agent at the following telephone and fax numbers:
Office: (205) 267-1520; Fax: (205) 267-1519.
7. Geographic Boundaries of Agreement. This Agreement is limited to Residential or Commercial
Real Estate located in the State of Alabama.
8. Nondiscrimination: It is illegal to discriminate in the sale or lease of real estate because of race, color, religion,
handicap, familial status, sex, or national origin.
This agreement is intended to be the legal and binding contract of all parties, and may affect your legal rights. If not understood, seek competent legal
and/or tax advice. Signatures on this Agreement may be obtained on fax copies for the purpose of contractual agreement; therefore, such fax
signatures shall be deemed legal and binding.
________________________________________ REMAX ADVANTAGE

Buyer Date Brokerage Firm Name
! ____________________________________ ___________________________________
Buyer Date Broker / Agent Date
2635 Valleydale Road, Suite 200
Birmingham, AL 35244
(205) 267-1520
Buyer Match Making Form

BUYER INFORMATION
First: ____________________________________________ Last: _____________________________________________________
Buyer email: ________________________________________________________________________________________________
Buyer phone number: ________________________________________________________________________________________
Country: ___________________________________________________________________________________________________
Street: _____________________________________________________________________________________________________
City: _______________________________________________________________________________________________________
State: ___________________________________________ Zip Code: ________________________________________________
Buyer birth date: ____________________________________________________________________________________________
INTEREST QUESTIONNAIRE
How much do you want to spend per month?

• How much have you saved for a down payment? _______________________________________________________
• Have you been pre-approved with a lender? q Yes q No Lender: _____________________________________
• What type of loan will you be getting? ________________________________________________________________
• How much money have you saved for closing costs? ____________________________________________________
If we found the perfect house today, could you buy it? q Yes q No
• If not, when is the correct timing? ____________________________________________________________________
___________________________________________________________________________________________________
In what areas can you see yourself living? ____________________________________________________________________

• Why? _____________________________________________________________________________________________
___________________________________________________________________________________________________
• What is important to you about this reason? ___________________________________________________________
___________________________________________________________________________________________________
In what type of home do you really see yourself living? _______________________________________________________

___________________________________________________________________________________________________
___________________________________________________________________________________________________
• What is it about this type of home that’s important to you or hits your hot buttons? _________________________
___________________________________________________________________________________________________
___________________________________________________________________________________________________
Glossary
The terms in this glossary refer to your primary mortgage loan and do not
* necessarily apply to your home equity loans and home equity lines of credit.
Abstract of Title – A condensed history or summary of all transactions affecting a

particular tract of land.
Adjustable-Rate Mortgage (ARM) – interest rates on this type of mortgage are
periodically adjusted up or down, depending on a specified financial inde
AIR - Adjustable interest rate.
Adverse Possession - a claim made against the land of another by virtue of open and
notorious possession of said land by the claimant.
Agent - acts on behalf of another, representing that person’s interests and serving as an
intermediary.
ALTA - American Land Title Association, a national association of title insurance
companies, abstractors and attorneys specializing in real property law. Its headquarters
are in Washington, D.C.
Amortization – a method of equalizing the monthly mortgage payments over the life of
the loan, even though the proportion of principal to interest changes over time. In the
early part of the loan, principal repayment is very small and interest repayment very
high; at the end of the loan, that relationship is reversed.
Annual Percentage Rate (APR) – the actual finance cha ge for a loan, including points
and loan fees in addition to the stated interest rate.
AP – Adjustable Payment
Application – the submission of a consumer’s financial in ormation for the purposes of
obtaining an extension of credit, and consists of the submission of the consumer’s name,
income, social security number, property address, estimate of the value of the property,
mortgage loan amount sought.
Appraisal - an expert judgment of the value or worth of a property.
Appraiser - works on behalf of a lender and provides a market analysis of the property.
ARM - see “Adjustable Rate Mortgage”
Assessed Value – value placed on property by a municipality for purposes of levying
taxes which may di er widely from appraised or market value.
Assignment of Funds – a direction to a third party to transfer funds from the sale or
mortgage of one property directly to the Settlement Agent for the specified cont act
property.
Assumable Mortgage - A mortgage which, by its terms, allows a new owner to take over
its obligations.
Balloon Payment - a large principal payment due all at once at the end of some loan
terms.
Glossary
Buyer's Broker - most real estate brokers and agents work only for the sellers. A buyer's
broker serves the interest of the buyer and has no relationship with the seller.
Broker – a real estate professional that has a higher level of training than an agent.
Generally, this is one who is the legal representative or proprietor of the office
Business Day – defined di ferently for the Long Estimate (LE) vs. Closing Disclosure (CD).
For the Loan Estimate, a business day is a day on which the creditor’s offices a e open
to the public for carrying out substantially all of its business functions. For the Closing Dis-
closure, a business day refers to all calendar days except Sundays and federal
holidays specified in 5 .S.C. 6103(a) such as New Year’s Day, Martin Luther King Jr.’s
Birthday, Washington’s Birthday, Memorial Day, Independence Day, Labor Day, Columbus
Day, Veteran’s Day, Thanksgiving Day, and Christmas Day.
Buyer’s Agent (or Selling Agent): – works with the buyer to locate a suitable property
and negotiate a successful home purchase.
Cap - limit on how much the interest rate can change in an ARM.
Capital Gains - the profits that an i vestor realizes when he or she sells their investment
property for a price that is higher than the purchase price. For example, if you purchase
a property for $100,000 and sell it some years later for $150,000 your capital gain is
$50,000.
CFPB - Consumer Financial Protection Bureau, an entity created by the Dodd-Frank Act.
Chain of Title - a term applied to the past series of transactions and documents
affecting the title to a particular parcel of land.
Closing – The consummation of a real estate transaction. The closing includes the
delivery of a deed, financial adjustment , the signing of notes, and the disbursement of
funds necessary to complete the sale and loan transaction.
Closing Costs – expenses for services incidental to a sale of real estate, such as sales
commissions, loan fees, title fees, appraisal fees, etc.
Closing Disclosure (CD) –CFPB mandated form replacing the HUD-1 and TIL (Truth in
Lending) on impacted transactions designed to provide helpful disclosures to
consumers in understanding all the costs of the transaction. This form is given to the
buyer (consumer) three business days before closing.
Commission – fee (usually a percentage of total transaction) paid to an agent or broker
for services performed.
Comparable Market Analysis (CMA) – a written analysis of houses having similar
characteristics currently being offered for sale as well as comparable houses sold in
the past six months. This enables you to determine if you are paying market value for a
home, and to identify whether market prices are rising or falling.
Condominium (Condo) – type of real estate ownership where the owner has title to a
specified unit and sha ed interest in common areas.
Glossary
Consummation – when the consumer becomes contractually obligated to the creditor
on the loan.
Consumer – borrower / buyer
Contingency – a condition in a contract that must be met for the contract to be
binding.
Contract – binding legal agreement between two or more parties that delineates the
conditions for the exchange of value (example: money exchanged for title to property).
Conversion Clause – a provision that allows converting an ARM to a fixed- ate loan
after a specified inte val.
Debt-to-Income Ratio – a formula lenders use to determine the loan amount for which
you may qualify. Also known as the "back-end ratio." Guidelines may vary, depending on
the loan program.
Deed – legal document that formally conveys ownership of property from Seller to
Buyer.
Down Payment – percentage of the purchase price which the Buyer must pay in cash
and may not borrow from the lender.
Earnest Money – monetary deposit paid when the sales contract is signed before
closing.
Eminent Domain – the power of the state to take private property for public use upon
payment of just compensation.
Encroachment – A trespass or intrusion onto another’s property, usually by a structure,
wall or fence.
Equity – the value of the property actually owned free & clear by the homeowner:
purchase price plus appreciation plus improvements, less mortgages and liens.
Escrow – an item of value, money or documents, deposited with a third party to be de-
livered upon fulfillment of a condition For example, the doposit by a borrower with the
lender of funds to pay taxes and insurance premiums when they become due, or the
deposit of funds or documents with an attorney or escrow agent to be disbursed upon
the closing sale of real estate.
Exception – in legal descriptions, that portion of land to be deleted or excluded. The
term often is used in a different sense to mean an encumbrance on title, excluded from
coverage in a title insurance policy.
Fannie Mae – see Federal National Mortgage Association.
Federal Home Loan Mortgage Corporation (Freddie Mac) and Federal National
Mortgage Association (FNMA, called “Fannie Mae”) – privately owned corporations
created by Congress that buy mortgage notes from local lenders and are responsible
for the guidelines a majority of lenders use to qualify borrowers.
Glossary
Fee Simple Estate – the greatest possible estate in land where the title is held completely
and without any limitations or conditions. Sometimes designated simply as “Fee.”
FICO Score – a numerical rating developed and maintained by Fair Isaac and
Company that indicates a borrower's credit worthiness based on a number of criteria.
Finance Charge – the total cost, including all fees, points and interest payments a
borrower pays to obtain credit.
Fixed Rate Mortgage – a mortgage on which the same rate of interest is charged for the
life of the mortgage.
Fixture – a recognizable entity (such as a toilet bowl, kitchen cabinet, or light unit) that is
permanently attached to property and belongs to the property when it is sold.
Float the Rate – this term is used when a mortgage applicant chooses not to secure a
rate lock, but instead allows the note rate pricing to fluctuate until the pplicant
decides to lock in, usually no later than fi e days prior to closing.
Flood Certification – a common term for a Federal Emergency Management Agency
(FEMA) Standard Flood Hazard Determination Form (SFHDF). This determines whether
land or a building is located within a Special Flood Hazard Area for purposes of flood
insurance requirements under the National Flood Insurance Program.
FSBO – a property that is For Sale by Owner and is not listed with a real estate broker.
GFE – Good Faith Estimate provided by the lender on a federally mandated form to
disclose to borrower the estimated charges for closing.
Hazard Insurance – compensates for property damage from speciffied haza ds such as
fi e and wind. More complete coverage is given by all-risk homeowner’s insurance.
Home Equity Line of Credit (HELOC) – A loan in which the lender agrees to lend a
maximum amount within an agreed period (called a term), where the collateral is the
borrower’s equity in his/her house.
Home Inspector – provides an objective and independent comprehensive written
report on a home’s condition, major systems and components.
Home Inspection Report – prepared by a quali ed Home inspector to evaluate a
property’s structure and mechanical systems.
HUD-1 – a precise breakdown of closing costs for both Sellers and Buyers (also known as
HUD 1 Settlement Statement) required by RESPA until October 3, 2015, then only in the
following transactions – HELOCs, reverse mortgages, mobile, homes, co-ops, consumer-
purpose loan secured by commercial real estate.
Impounds – another term sometimes used for “Escrows” collected and held by a lender
to pay taxes and insurance on the mortgaged property.
Interest – the cost of borrowing money, usually expressed as a percentage over time.
Joint Tenancy – an estate where two or more persons hold real estate jointly for life, the
survivors to take the entire interest on the death of one of the joint tenants.
Glossary
Judgment – a decree of a court. In practice, this is the lien or charge upon the land of
a debtor resulting from the court’s award of money to a creditor. Also see “Judgment
Lien.”
Judgment Lien – the charge upon the land of a debtor resulting from the decree of a
court properly entered into the judgment docket.
Lien – a security claim on property until a debt is satisfied
Listing Agent – through a broker forms a legal relationship with the homeowner to sell
the property.
Listing Agreement – agreement whereby an owner engages a real estate broker for a
specified pe iod to sell property, for which sale the agent & broker receives a
commission.
Loan Estimate (LE) – form replacing the GFE and early TIL designed to provide disclosures
that will help consumers understanding the key features, costs, and risks of the
mortgage loan for which they are applying. Initial disclosure to be given to the
consumer three business days after application.
Loan Officer (or Mortgage Consultant) – representative of a bank or other financia
institution, who helps customers identify their borrowing options and helps them
understand & secure the terms of their loan.
Market Value – the price that is established by present economic conditions, locations,
and general trends.
Mortgage – security claim by a lender against property until the debt is paid.
Mortgagee – the mortgage lender.
Mortgagor – the mortgage borrower.
Multiple Listing Service (MLS) – a computer-based shared listing service for real estate
agents that provides information on most of the houses for sale in an area.
Negative Amortization – a method of calculating fixed monthly payments i
combination with a variable interest rate. When monthly payments are not enough to
cover interest costs, unpaid interest is added to the principal balance.
Nonconforming Loan – conventional home mortgages not eligible for sale and delivery
to either FNMA or FHLMC because of various reasons, including loan amount, loan
characteristics, or underwriting guidelines.
Origination Fee – application fee(s) for processing a proposed mortgage loan.
Glossary
Piggy Back Loan – "Piggy Back Loan" is a slang term, which really is another way of
describing 1st and 2nd mortgages that close concurrently. In today's mortgage lend-
ing environment, obtaining a piggy back loan can be very difficult if a bor ower has less
than 20% for a down payment. In such instances, obtaining one mortgage with private
mortgage insurance may be the only option.
PITI – principal, interest, taxes, and insurance forming the basis for monthly mortgage
payments.
PMI – Private Mortgage Insurance. An insurance contract which insures that the named
lender will recover a specific pe centage of the loan amount from the insurer in the
event the loan goes bad.
Points - a one-time special fee or extra charge paid to a lender in order to secure a
loan. Expressed as a percentage of face amount of mortgage.
Power of Attorney - an instrument authorizing another to act on one’s behalf in legal
matters.
Pre-Paids - closing costs related to the mortage loan which are collected at loan
closing - including per diem prepaid interest and initial deposits of monthly escrows of
taxes and insurance.
Prepayment Penalty – a fee paid by a borrower who pays off the loan before it is due.
Prequalification - informal estimate of how much nancing a potential borrower might
expect to obtain, done before paying substantial loan application fees.
Principal - one of the parties to a contract; or the amount of money borrowed, for
which interest is charged.
Prorate - divide or assess proportionately, typically property taxes & HOA dues.
Realtor® - a licensed real estate agent and member of the National Association of
Realtors®. They also belong to state and local Association of REALTORS.
Real Estate Agent – individual licensed by the state to represent parties in the transfer
of property. Every Realtor is a real estate agent, but not every real estate agent has the
professional designation of a realtor.
RESPA - Real Estate Settlement Procedures Act.
Set Back Lines - Those lines which delineate the required distances for the location of
structures in relation to the perimeter of the property.
Settlement – all financial t ansactions required to complete contract performance/
obligations.
Survey - a house location survey (also known as a physical improvement survey), which
is the type of survey generally required by lenders and title insurance underwriters. If a
purchaser plans on making improvements to the property, or wants to be able to see
the property line on location, a boundary survey (also known as a staked survey) can
be ordered. The cost of a boundary survey usually runs twice the cost or more of a
location survey.
Glossary
TIP – Total Interest Percentage: total amount of interest paid over the life of the loan, expressed
as a percentage of amount borrowed.
Title – legal ownership and right to use and possession of a specific p operty.
Title Insurance – protects insured against covered loss resulting from defects in the title.
Title Search – detailed examination of the recorded document history of a property to
determine condition of title & any encumbrances.
Unreleased Mortgage – a mortgage or lien recorded in the Court records that appears to be
outstanding because no Certificate of Satis action/Deed of Release has been recorded.
USDA Rural Home Loan – along with loans guaranteed by the VA, loans guaranteed by the
USDA remain one of the few nationally offered loan programs available with no down payment.
While the program includes the word "rural" in its name, this is not necessarily the case with all
properties. The program's requirements mandate that both the property and borrower must
qualify. These requirements are dependend on the physical location of the property and the
maximum household income. Ask your lender for details so you can determine if this type of
program would be a good option for your situation.
Vacation Home – a home where you spend any appreciable amount of time away from your
primary residence for the purpose of leisure activities. A vacation home is not rented out for
longer than 14 days in even given calendar year.
Variable Rate Mortgage – a loan in which the interest rate fluctuates with the cost of funds or
some other index.
Variance – (also known as tolerance) the change between a good faith charge provided on
the LE and the actual charge on the CD.
Walk Through – Depending on the terms of the contract of sale or based on local custom, a
walk-through or pre-settlement inspection may be scheduled prior to settlement or closing of the
transaction. The primary purpose of this type of inspection is to make certain the property is in the
agreed-upon condition, repairs (if any) from the home inspection are complete, and to confi m
that nothing has gone wrong with the property since the buyer’s last viewing.
CLEANING GUIDE
Suggested products to help keep your new home spick & span
WHAT TO USE: WHAT NOT TO USE:

Bona Wood Floor Cleaner Ammonia Cleaners, wet mop, oil soaps,
Hardwood / Laminate Floors www.mybonahome.com vinegar & water
Tile Flooring, Shower, and Mr. Clean (dilute in water before use)
Steel wool (S.O.S pad), Ajax, scouring
powders or other abrasives that can
Tile Grout www.MrClean.com
scratch the finish oil / ammonia cleaners

Spot Shot Nothing but specific cleane s for carpets,
Carpet www.spotshot.com do NOT use carpet powders

Granite Pledge Specialty Surfaces Furniture Spray Bleach or ammonia based cleaners
Stainless Steel Appliances Pledge Specialty Surfaces Furniture Spray Bleach, Steel Wool (S.O.S. pad)
Stainless Steel Sink Bar Keepers Friend Bleach, Steel Wool (S.O.S. pad)
www.barkeepersfriend.com
Cook Top Cerama Bryte Abrasive Cleaners (Ajax or Comet), Steel

www.ceramabryte.com wool, or Bleach
Borax
Garbage Disposal www.20muleteamlaundry.com
Bleach or drain cleaners
Windex Multi-Surface Detergents, ammonia based products,

Mirrors & Windows www.windex.com scapers, abrasive cleaning solutions
Clorox Clean-Up
Bathtub www.clorox.com
Abrasive Cleaners (Ajax or Comet)
Bar Keepers Friend

Bathroom Sink www.barkeepersfriend.com
Lysol Power Toilet Bowl Cleaner

Toilet www.lysol.com
Ammonia based products, harsh

Bona Cabinet Cleaner chemicals, abrasive cleaning products,
Cabinets www.mybonahome,com steel wool, bleach, silicone-based
products, or wax polishing products
Built-In Shelves Pledge Specialty Surfaces Spray Anything with strong chemicals
Swiffer 360 degree Duster

Ceiling Fan www.swiffer.com
Anything with strong chemicals
Pledge Multi-Surface Everyday Cleaner

Light Fixtures www.Pledge.com
Borax & hot water

Brick www.20muleteamlaundry.com
Steel Wool
eXIMO Waterless Concrete Cleaner

Concrete www.mycaf.com
Steel Wool
Area Utility Providers
ALABASTER Gas CALERA Trash
Electric Spire Electric Republic Services
Alabama Power Co. (800) 292-4008 Alabama Power Co. (205) 923-1650
(800) 245-2244 www.SpireEnergy.com (800) 245-2244 www.republicservices.com
www.AlabamaPower.com/ www.AlabamaPower.com/
Residential/ Telephone Residential/ Gas
AT&T (Bellsouth) Spire
Water (888) 757-6500 Water (800) 292-4008
Alabaster Water www.Att.com City of Calera www.SpireEnergy.com
(205) 663-6155 (205) 668-3503
www.AlabasterWater.com Cable/Satellite TV www.CityofCalera.org Telephone
Dish Network AT&T (Bellsouth)
Trash (888) 825-2557 Sewer (888) 757-6500
City of Alabaster www.Dish.com City of Calera www.Att.com
(205) 664-6810 DirecTV (205) 668-3503
www.CityofAlabaster.com (800) 531-5000 www.CityofCalera.org Cable/Satellite TV
www.DirecTV.com Dish Network
Gas Trash (888) 825-2557
Spire BIRMINGHAM Calera Public Works Dept www.Dish.com
(800) 292-4008 Electric (205) 668-3511 DirecTV
www.SpireEnergy.com Alabama Power Co. www.CityofCalera.org (800) 531-5000
(800) 245-2244 www.DirecTV.com
Telephone www.AlabamaPower.com/ Gas Spectrum
AT&T (Bellsouth) Residential/ Spire (833) 694-9256
(888) 757-6500 (800) 292-4008 www.Spectrum.com
www.Att.com Water www.SpireEnergy.com
Birmingham Water Works CLAY-CHALKVILLE
Cable/Satellite TV (205) 244-4000 Telephone Electric
Dish Network www.BirminghamWater AT&T (Bellsouth) Alabama Power Co.
(888) 825-2557 Works.com (888) 757-6500 (800) 245-2244
www.Dish.com www.Att.com www.AlabamaPower.com/
DirecTV Trash Residential/
(800) 531-5000 City of Birmingham Cable/Satellite TV
www.DirecTV.com (205) 254-6314 Dish Network Water
Spectrum www.BirminghamAL.gov/ (888) 825-2557 Birmingham Water Works
(833) 694-9256 pickup www.Dish.com (205) 244-4000
www.Spectrum.com DirecTV www.BirminghamWater
Gas (800) 531-5000 Works.com
BESSEMER Spire www.DirecTV.com
Electric (800) 292-4008 Spectrum Trash
Alabama Power Co. www.SpireEnergy.com (833) 694-9256 Republic Sevices
(205) 245-2244 www.Spectrum.com (205) 923-1650
www.AlabamaPower.com/ Telephone www.RepublicServices.
Residential/ AT&T (Bellsouth) CHELSEA com
(888) 757-6500 Electric
Bessemer Utilities www.Att.com Alabama Power Co. Gas
(205) 481-4335 (205) 245-2244 Spire
www.BessemerUtilities.com Cable/Satellite TV www.AlabamaPower.com/ (800) 292-4008
Dish Network Residential/ www.SpireEnergy.com
Water (888) 825-2557
Bessemer Utilities www.Dish.com Sewer Telephone
(205) 481-4335 DirecTV Southwest Water Authority AT&T (Bellsouth)
www.BessemerUtilities.com (800) 531-5000 (205) 987-8352 (888) 757-6500
www.DirecTV.com www.swwc.com www.Att.com
Trash Spectrum
City of Bessemer (833) 694-9256 Water Cable/Satellite TV
(205) 424-4084 www.Spectrum.com Southwest Water Company Dish Network
www.Bessemeral.org (205) 733-1672 (888) 825-2557
www.swwc.com www.Dish.com
Note: Republic Services is also commonly known as “Allied Waste.”

DirecTV Trash DirecTV Trash
(800) 531-5000 AMWASTE (800) 531-5000 Santek
www.DirecTV.com (205) 788-1400 www.DirecTV.com (205) 631-1313 www.
Spectrum www.AMWASTE.net Spectrum santekenviro.com
(833) 694-9256 (833) 694-9256
www.Spectrum.com Gas www.Spectrum.com Gas
Spire Spire
COLUMBIANA (800) 292-4008 FULTONDALE (800) 292-4008
Electric www.SpireEnergy.com Electric www.SpireEnergy.com
Alabama Power Co. Alabama Power Co.
(800) 245-2244 Telephone (800) 245-2244 Telephone
www.AlabamaPower. AT&T (Bellsouth) www.AlabamaPower. AT&T (Bellsouth)
com/Residential/ (888) 757-6500 com/Residential/ (888) 757-6500
www.Att.com www.Att.com
Water Water
Columbiana Water Works Cable/Satellite TV Birmingham Water Works Cable/Satellite TV
(205) 669-5805 Dish Network (205) 244-4000 Dish Network
www.CityofColumbiana. (888) 825-2557 www.BirminghamWater (888) 825-2557
com www.Dish.com Works.com www.Dish.com
DirecTV DirecTV
Trash (800) 531-5000 Trash (800) 531-5000
The City of Columbiana www.DirecTV.com AMWASTE www.DirecTV.com
(205) 669-5800 Spectrum (205) 788-1400 Spectrum
www.CityofColumbiana. (833) 694-9256 www.AMWASTE.net (833) 694-9256
com www.Spectrum.com www.Spectrum.com
Gas
Gas FORESTDALE Spire HOMEWOOD
Spire Electric (800) 292-4008 Electric
(800) 292-4008 Alabama Power Co. www.SpireEnergy.com Alabama Power Co.
www.SpireEnergy.com (800) 245-2244 (800) 245-2244
www.AlabamaPower. Telephone www.AlabamaPower.
Telephone com/Residential/ AT&T (Bellsouth) com/Residential/
AT&T (Bellsouth) (888) 757-6500
(888) 757-6500 Water www.Att.com Water
www.Att.com Birmingham Water Works Birmingham Water Works
(205) 244-4000 Cable/Satellite TV (205) 244-4000
Cable/Satellite TV www.BirminghamWater Dish Network www.BirminghamWater
Dish Network Works.com (888) 825-2557 Works.com
(888) 825-2557 www.Dish.com
www.Dish.com Trash DirecTV Trash
DirecTV Advanced Disposal (800) 531-5000 City of Homewood/Street
(800) 531-5000 (205) 620-6148 www.DirecTV.com & Sanitation
www.DirecTV.com www.AdvancedDisposal. Spectrum (205) 332-6816
Spectrum com (833) 694-9256 www.Homewoodal.net
(833) 694-9256 www.Spectrum.com
www.Spectrum.com Gas Gas
Spire GARDENDALE Spire
FAIRFIELD (800) 292-4008 Electric (800) 292-4008
Electric www.SpireEnergy.com Alabama Power Co. www.SpireEnergy.com
Alabama Power Co. (800) 245-2244
(800) 245-2244 Telephone www.AlabamaPower. Telephone
www.AlabamaPower. AT&T (Bellsouth) com/Residential/ AT&T (Bellsouth)
com/Residential/ (888) 757-6500 (888) 757-6500
www.Att.com Water www.Att.com
Water Birmingham Water Works
Bessemer Utilities Cable/Satellite TV (205) 244-4000
(205) 481-4335 Dish Network www.BirminghamWater
www.BessemerUtilities.com (888) 825-2557 Works.com
www.Dish.com

Cable/Satellite TV Shelby County Trash DirecTV
Dish Network Water Service Hueytown City Hall (800) 531-5000
(888) 825-2557 (205) 678-2818 (205) 491-7010 www.DirecTV.com
www.Dish.com www.shelbycounty www.hueytownal.org Spectrum
DirecTV alabama.com (833) 694-9256
(800) 531-5000 Gas www.Spectrum.com
www.DirecTV.com Sewer Spire
Southwest Water (800) 292-4008 Sewer
HELENA Company www.SpireEnergy.com Jefferson County Sewer
Electric (205) 733-1672 (205) 325-5390
Alabama Power Co. www.swwc.com Telephone
(800) 245-2244 * Certain Shelby County AT&T (Bellsouth) LEEDS
www.AlabamaPower. areas only. (888) 757-6500 Electric
com/Residential/ www.Att.com Alabama Power Co.
Trash (800) 245-2244
Water City of Hoover Cable/Satellite TV www.AlabamaPower.
Helena Water (205) 444-7543 Dish Network com/Residential/
(205) 663-1670 http://wasteservices- (888) 825-2557
www.CityofHelena.org hoover.com www.Dish.com Water
DirecTV Leeds Water Works
Trash Gas (800) 531-5000 (205) 699-5151
Santek Waste Services Spire www.DirecTV.com www.lwwb.com
(205) 631-1313 (800) 292-4008 Spectrum
http://wasteservices- www.SpireEnergy.com (833) 694-9256 Trash
helena.com www.Spectrum.com EcoSouth Services
Telephone (205) 974-2287
Gas AT&T (Bellsouth) IRONDALE www.EcoSouthServices.net
Spire (888) 757-6500 Electric
(800) 292-4008 www.Att.com Alabama Power Co. Gas
www.SpireEnergy.com (800) 245-2244 Spire
Cable/Satellite TV www.AlabamaPower. (800) 292-4008
Telephone Dish Network com/Residential/ www.SpireEnergy.com
AT&T (Bellsouth) (888) 825-2557
(888) 757-6500 www.Dish.com Water Telephone
www.Att.com DirecTV Irondale Water AT&T (Bellsouth)
(800) 531-5000 (205) 951-1410 (888) 757-6500
Cable/Satellite TV www.DirecTV.com www.cityofirondale.org www.Att.com
Dish Network Spectrum
(888) 825-2557 (833) 694-9256 Trash Cable/Satellite TV
www.Dish.com www.Spectrum.com Irondale Sanitation Dish Network
DirecTV (205) 951-1420 (888) 825-2557
(800) 531-5000 HUEYTOWN www.cityofirondale.org www.Dish.com
www.DirecTV.com Electric DirecTV
Spectrum Alabama Power Co. Gas (800) 531-5000
(833) 694-9256 (800) 245-2244 Spire www.DirecTV.com
www.Spectrum.com www.AlabamaPower. (800) 292-4008 Spectrum
com/Residential/ www.SpireEnergy.com (833) 694-9256
HOOVER www.Spectrum.com
Electric Water Telephone
Alabama Power Co. Bessemer Utilities AT&T (Bellsouth) MAYLENE
(800) 245-2244 (205) 481-4335 (888) 757-6500 Electric
www.AlabamaPower. www.BessemerUtilities.com www.Att.com Alabama Power Co.
com/Residential/ (800) 245-2244
Warrior River Authority Cable/Satellite TV www.AlabamaPower.
Water (205) 477-5791 Dish Network com/Residential/
Birmingham Water Works www.warriorriverwater. (888) 825-2557
(205) 244-4000 com www.Dish.com
www.BirminghamWater
Works.com
Water Cable/Satellite TV Leeds Water Works Telephone
Alabaster Water Dish Network (205) 699-5151 AT&T (Bellsouth)
(205) 663-6155 (888) 825-2557 www.lwwb.com (888) 757-6500
www.AlabasterWater.com www.Dish.com Odenville Water Works www.Att.com
DirecTV (205) 629-5801
Trash (800) 531-5000 www.oubwater.org Cable/Satellite TV
Republic Services www.DirecTV.com Dish Network
(205) 923-1650 Trash (888) 825-2557
www.RepublicServices. MONTEVALLO Advanced Disposal www.Dish.com
com Electric (205) 620-6148 DirecTV
Alabama Power Co. www.AdvancedDisposal. (800) 531-5000
Gas (800) 245-2244 com www.DirecTV.com
Spire www.AlabamaPower. Spectrum
(800) 292-4008 com/Residential/ Gas (833) 694-9256
www.SpireEnergy.com Spire www.Spectrum.com
Water (800) 292-4008
Telephone Montevallo Water www.SpireEnergy.com NORTH SHELBY
AT&T (Bellsouth) (205) 665-9045 COUNTY & INDIAN
(888) 757-6500 www.MontevalloWater. Telephone SPRINGS
www.Att.com com WINDSTREAM Electric
(800) 501-1754 Alabama Power Co.
Cable/Satellite TV Trash www.WindStream.com (800) 245-2244
Dish Network Republic Services www.AlabamaPower.
(888) 825-2557 (205) 923-1650 Cable/Satellite TV com/Residential/
www.Dish.com www.republicservices.com Dish Network
DirecTV (888) 825-2557 Water
(800) 531-5000 Gas www.Dish.com Pelham Water
www.DirecTV.com Spire DirecTV (205) 620-6420
Spectrum (800) 292-4008 (800) 531-5000 www.PelhamOnline.com
(833) 694-9256 www.SpireEnergy.com www.DirecTV.com
www.Spectrum.com Spectrum Trash
Telephone (833) 694-9256 Waste Management
MIDFIELD AT&T (Bellsouth) www.Spectrum.com (205) 841-2740
Electric (888) 757-6500 www.WM.com
Alabama Power Co. www.Att.com MOUNTAIN BROOK
(800) 245-2244 Electric Gas
www.AlabamaPower. Cable/Satellite TV Alabama Power Co. Spire
com/Residential/ Dish Network (800) 245-2244 (800) 292-4008
(888) 825-2557 www.AlabamaPower. www.SpireEnergy.com
Water www.Dish.com com/Residential/
Bessemer Utilities DirecTV Telephone
(205) 481-4335 (800) 531-5000 Water AT&T (Bellsouth)
www.BessemerUtilities.com www.DirecTV.com Birmingham Water Works (888) 757-6500
Spectrum (205) 244-4000 www.Att.com
Trash (833) 694-9256 www.BirminghamWater
City of Midfield www.Spectrum.com Works.com Cable/Satellite TV
(205) 923-7578 Dish Network
www.CityofMidfield.com MOODY Trash (888) 825-2557
Electric AMWASTE/City of Mtn Brook www.Dish.com
Gas Alabama Power Co. (205) 802-2390 DirecTV
Spire (800) 245-2244 www.MtnBrook.org (800) 531-5000
(800) 292-4008 www.AlabamaPower. www.DirecTV.com
www.SpireEnergy.com com/Residential/ Gas Spectrum
Spire (833) 694-9256
Telephone Water (800) 292-4008 www.Spectrum.com
AT&T (Bellsouth) Birmingham Water Works www.SpireEnergy.com
(888) 757-6500 (205) 244-4000
www.Att.com www.BirminghamWater
Works.com
ODENVILLE Telephone www.AlabamaPower.
Electric AT&T (Bellsouth) com/Residential/ Telephone
Alabama Power Co. (888) 757-6500 AT&T (Bellsouth)
(800) 245-2244 www.Att.com Water (888) 757-6500
www.AlabamaPower. Birmingham Water Works www.Att.com
com/Residential/ Cable/Satellite TV (205) 244-4000 Cable/Satellite TV
Water Dish Network www.BirminghamWater Dish Network
Odenville Water (888) 825-2557 Works.com (888) 825-2557
(205) 629-5801 www.Dish.com www.Dish.com
www.oubwater.org DirecTV Trash DirecTV
(800) 531-5000 Advanced Disposal (800) 531-5000
Trash www.DirecTV.com (205) 620-6148 www.DirecTV.com
Waste Management Spectrum www.AdvancedDisposal. Spectrum
(205) 841-2740 (833) 694-9256 com (833) 694-9256
www.WM.com www.Spectrum.com www.Spectrum.com
Gas
Gas PELL CITY Spire SHELBY
Spire Electric (800) 292-4008 Electric
(800) 292-4008 Alabama Power Co. www.SpireEnergy.com Alabama Power Co.
www.SpireEnergy.com (800) 245-2244 (800) 245-2244
www.AlabamaPower. Telephone www.AlabamaPower.
Telephone com/Residential/ AT&T (Bellsouth) com/Residential/
AT&T (Bellsouth) (888) 757-6500
(888) 757-6500 Water www.Att.com Water
www.Att.com Pell City Water Dept. Shelby County
(205) 338-2244 Cable/Satellite TV Water Services
Cable/Satellite TV www.epell.net Dish Network (205) 678-2818
Dish Network (888) 825-2557 www.shelbycounty
(888) 825-2557 Trash www.Dish.com alabama.com
www.Dish.com Arrow Disposal DirecTV
DirecTV (205) 884-8267 (800) 531-5000 Trash
(800) 531-5000 www.Pell-City.com/ www.DirecTV.com The City of Columbiana
www.DirecTV.com garbage Spectrum (205) 669-5800
Spectrum (833) 694-9256 www.CityofColumbiana.
(833) 694-9256 Gas www.Spectrum.com com
www.Spectrum.com Spire
(800) 292-4008 PLEASANT GROVE Gas
PELHAM www.SpireEnergy.com Electric Spire
Electric Alabama Power Co. (800) 292-4008
Alabama Power Co. Telephone (800) 245-2244 www.SpireEnergy.com
(800) 245-2244 AT&T (Bellsouth) www.AlabamaPower.
www.AlabamaPower. (888) 757-6500 com/Residential/ Telephone
com/Residential/ www.Att.com AT&T (Bellsouth)
Water (888) 757-6500
Water Cable/Satellite TV Birmingham Water Works www.Att.com
Pelham Water Dish Network (205) 244-4000
(205) 620-6420 (888) 825-2557 www.BirminghamWater Cable/Satellite TV
www.PelhamOnline.com www.Dish.com Works.com Dish Network
DirecTV (888) 825-2557
Trash (800) 531-5000 Trash www.Dish.com
AMWASTE www.DirecTV.com Waste Management DirecTV
(205) 788-1400 Spectrum (205) 841-2740 (800) 531-5000
www.AMWASTE.net (833) 694-9256 www.WM.com www.DirecTV.com
www.Spectrum.com Spectrum
Gas Gas (833) 694-9256
Spire PINSON Spire www.Spectrum.com
(800) 292-4008 Electric (800) 292-4008
www.SpireEnergy.com Alabama Power Co. www.SpireEnergy.com
(800) 245-2244
TALLADEGA Trash VESTAVIA HILLS
Electric Republic Services Electric
Alabama Power Co. (205) 923-1650 Alabama Power Co.
(800) 245-2244 www.RepublicServices. (800) 245-2244
www.AlabamaPower. com www.AlabamaPower.
com/Residential/ com/Residential/
Gas
Water Spire Water
Talladega Water (800) 292-4008 Birmingham Water Works
(256) 362-4439 www.SpireEnergy.com (205) 244-4000
www.Talladegawsb.com www.BirminghamWater
Telephone Works.com
Trash AT&T (Bellsouth)
Inside City Limits: (888) 757-6500 Trash
City of Talladega www.Att.com City of Vestavia Hills
(256) 362-6211 (205) 978-0150
www.talladega.com Cable/Satellite TV www.VestaviaHills.net
Dish Network
Outside City Limits: (888) 825-2557 Gas
Waste Pro www.Dish.com Spire
(205) 432-0878 DirecTV (800) 292-4008
www.WasteProUSA.com (800) 531-5000 www.SpireEnergy.com
www.DirecTV.com
Gas Spectrum Telephone
Spire (833) 694-9256 AT&T (Bellsouth)
(800) 292-4008 www.Spectrum.com (888) 757-6500
www.SpireEnergy.com www.Att.com
TRUSSVILLE
Telephone Electric Cable/Satellite TV
AT&T (Bellsouth) Alabama Power Co. Dish Network
(888) 757-6500 (800) 245-2244 (888) 825-2557
www.Att.com www.AlabamaPower. www.Dish.com
com/Residential/ DirecTV
Cable/Satellite TV (800) 531-5000
Dish Network Water/Trash/Gas www.DirecTV.com
(888) 825-2557 Trussville Utilities Spectrum
www.Dish.com (205) 655-3211 (833) 694-9256
DirecTV www.Trussville.com www.Spectrum.com
(800) 531-5000
www.DirecTV.com Telephone
Spectrum AT&T (Bellsouth)
(833) 694-9256 (888) 757-6500
www.Spectrum.com www.Att.com
TARRANT Cable/Satellite TV
Electric Dish Network
Alabama Power Co. (888) 825-2557
(800) 245-2244 www.Dish.com
www.AlabamaPower. DirecTV
com/Residential/ (800) 531-5000
www.DirecTV.com
Water Spectrum
Birmingham Water Works (833) 694-9256
(205) 244-4000 www.Spectrum.com
www.BirminghamWater
Works.com

Home Buyers Guide - Birmingham, Alabama

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Home Buyers Guide - Birmingham, Alabama

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BUYER’S

We want to make sure that you are 100% completely

The Mega Agent Real Estate Team

Collier graduated from Auburn University (B.A., 1998),

Collier is married to Amanda Capps Swecker and lives

She graduated Summa Cum Laude from The University

Kathy is a lifelong resident of Alabama and currently

Julie graduated from The University of Alabama with a

Trista enjoys spending time with her husband James and

Your Exclusive Buyer Agent

n Seller Agency n Buyer Agency

There are HUGE

What We Can Help You Buy

For Sale By Owner

New Builder Construction

So You’re Ready to Buy a New Home!

3 Checks Prior to Closing

#1 FINANCING You will need to write three checks prior

3. It gives you an estimate of

4. Most importantly, it helps us to

Your Monthly Payment—PITI SAMPLE PAYMENTS

*Monthly payments listed are principal and interest only.

CONSIDER THESE 2 SITUATIONS:

n Offer Conditioned on Getting n Offer Made With Lender’s

Which Offer Do You Think The Seller Will Accept?

“Mark was incredibly professional,

How Most Agents Pick Out Houses:

We Put YOU in Control: As stressful as buying a new

Q: What are your references?

Q: Are you on a team or are you an independent agent?

Q: How many transactions do you do each year? How many

Q: Are you full-time or part-time as a Realtor? Do you have

Q: What is your communication style?

Q: What’s your marketing budget?

Q: What support do you have?

Q: What are you tactics for a multiple offer situation?

Q: What seperates you from your competition?

Application for Loan Approval

Buyer Agent Order

View Available Final Credit Check

Final Contract Closing Attorney

Negotiate for Inspection Refer your Friends

CONTINUE TO PHASE TWO

3 terms and conditions.

Typical time frame:

Tasks and Time Frames

The fi st step in buying a home is to obtain loan pre-approval.

Three elements are crucial to the purchase of a home:

Down Payment, Closing Costs & Qualifying for a Mortgage

Ask for a Conventional 97 mortgage, underwritten by Fannie Mae.

Money from relatives.

Upon acceptance of your offer, you will arrange for an

Obtaining pre-approval for a home loan is just the fi st step in

Task: One day prior to closing, or sometimes just hours prior to

Your Agreement With Other Agents is Full Of Potential Pitfalls

Your Agreement With Us Is Risk-Free!

Buyer: ___________________________________ Date: ____________________

Buyer: ___________________________________ Date: ____________________

Agent: _______________________________________ Broker: REMAX ADVANTAGE

________________________________________ REMAX ADVANTAGE

Buyer Match Making Form

How much do you want to spend per month?

In what areas can you see yourself living? ____________________________________________________________________

In what type of home do you really see yourself living? _______________________________________________________

Buyer: _______________ Date:

Buyer: _______________ Date: