Services A Realtor Can Provide

Comparative Market Analysis
A written report of the transactions in the neighborhood to identify similar properties that
has sold recently and is currently on the market in an effort to determine a realistic price
for the subject property.

Market Preparation
Improving the condition of the home, "setting the stage" before showings, and knowing what to do when the property is being shown are just a few of the things that will help maximize the marketing efforts. We’ll take time to examine your home and explore the alternatives to showcase your property.

Homeowner’s Analysis
This is a report that illustrates the tax advantages and the investment potential of home ownership. It demonstrates how the tax savings from the interest and property tax deductions will reduce the impact of a house payment. The investment results from anticipated appreciation and reduction in the unpaid balance through loan amortization.

Special Services
If you have to vacate the property prior to selling, special services can be arranged to help
you with your specific needs such as: collecting the mail, removing advertisements,
maintaining the yard, turning off the lights at night, setting the security or sprinkler
systems, or other tasks.

Financing Alternatives
Attractive financing can actually shorten the marketing time and increase the sales price.
I stay up-to-date with the types of mortgages that are available and maintain business
relationships with mortgage professionals to provide choices. Some of the reports that I
can supply you include: buyer qualifications, 80-10-10 mortgage, 75-15-5 mortgage, 15-
year vs. 30-year mortgage, Adjustable Rate vs. Fixed Rate mortgages, rent vs. own, and
repurchase analysis. These will help buyers and sellers make better decisions.

FNMA approved loan programs
Adjustable Rate
• Community Solutions
• Energy Efficient Mortgage
• Expanded Approval with Timely Payment

RewardsSM
• Fixed-Period ARM
• MyCommunityMortgageSM
• One-Year ARM
• One-Year LIBOR-Indexed ARM
• Pledged-Asset Mortgage
• Six-Month ARM
• Six-Month LIBOR-Indexed ARM
• Two-Step® Mortgage
• Balloon

Employer-Assisted Housing
Fixed Rate
• 15 Year
• 20 Year
• 30 Year
• Biweekly Mortgage
• Community Solutions
• Energy Efficient Mortgage
• Expanded Approval with Timely Payment

RewardsSM
• Fannie 3/2SM
• Fannie 97®
• HomeChoiceSM
• InterestFirstSM
• MyCommunityMortgageSM
• Native American Housing Loans
• Pledged-Asset Mortgage
• Rural Housing Loans
• Simultaneous Seconds Mortgage

Home Construction & Renovation
• Energy Efficient Mortgage
• HomeStyle® Construction-to-Permanent

Mortgage
• HomeStyle® Renovation Mortgage

No/Low Down Payment
• Community Solutions
• Energy Efficient Mortgage
• Fannie 3/2SM
• Fannie 97®
• Fannie Mae's Community Home Buyers

ProgramSM
• Flexible 100SM
• Flexible 97®
• MyCommunityMortgageSM

Reverse Mortgages for Seniors
• HUD's Home Equity Conversion Mortgage
• Home Keeper®
• Home Keeper for Home Purchase

Special Financing
• Loans for People with Disabilities
• Native American Loans
• Rural Housing Loans

HUD FHA loan
• Fixed Rate Mortgage
• Adjustable Rate Mortgage
• Graduated Payment Mortgage
• Growing Equity Mortgage
• Rehabilitation Mortgages
• Energy Efficient Mortgages
• Mortgages for Condominium Units

HUD Insured Loans for Disaster Victims
HUD Insured Reverse Mortgages for Elderly
Homeowners
VA approved loan programs

Buyers may be unwilling to discuss their actual situation with a seller because of their
opposing objectives. The buyer is trying to get the home for the lowest price and the
seller is obviously, trying to get the highest price. Buyers may feel that they are giving
away their advantage in the negotiation process by letting the seller know personal things.
Solutions that might be best for the buyer may not be good for the seller because of the
costs associated with different packages. It is valuable to have someone who is familiar
with various mortgages to guide the parties involved

When a seller enters into a listing agreement with a real estate agent, a legal relationship
called agency is created. This requires that the agent put the seller’s interest above their
own interest. The duties required include loyalty, obedience, disclosure,
confidentiality, accounting in dealings and reasonable skill and care.

Buyer’s can obtain this same type of representation by entering into a buyer agency
agreement. The advantage is that they will have a professional looking after their
interests in an investment that will most likely be the largest that they have made.
Considering the advantages of having a professional represent you.