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	Jing Xu Senne 1675 Mass Avenue Cambridge MA 02138 Phone: 617.876.2506 Cell Phone: 617.876.2506 Email: jxu.boston@gmail.com Privacy Policy			Century 21 Avon Home Buyer Representation Your Century 21 Avon Exclusive Buyer's Agent Who represents you and your Best Interests We will provide you with the Following Services: 1. ACHIEVING YOUR GOALS a. A home that Meets your needs b. In the time period you desire c. The least amount of inconvenience d. The best value achievable 2. HOME NEEDS ASSESSMENT a. Home Location b. Style of home c. Number of bedrooms & baths d. Other home amenities 3. HOME FINANCING ASSESSMENT a. Determining price range b. Alternative financing options c. Payment figures including P.I.T.I. d. Utility and repair estimates e. Income tax benefits f. Do you have to sell to buy g. Mortgage pre-approval at best rates & terms 4. BUYER EDUCATION ABOUT ALL REAL ESTATE FORMS a. Offer to Purchase & Addendums b. Lead Paint Disclosures c. Board of registration Home Inspection Disclosure 5. CRITICAL DATES & TIME LIMITS IN A TRANSACTION a. Offer to Purchase b. Inspections c. Mortgage d. Insurance e. Closing Date 6. HELPING YOU FIND THE RIGHT HOME a. Entering your home search criteria in the Multiple Listing Service (MLS) b. Daily email updates for all homes that meet your criteria c. 24 Hour access to all homes that meet your criteria d. View multiple photos, Virtual Tours on most homes Extending to FSBO's (For Sale By Owner's) 7. HELPING YOU VIEW THE RIGHT PROPERTY a. Helping you select the right house to view b. Showing you the properties c. Helping you evaluate the pluses and minuses of each 8. ONCE YOU HAVE FOUND THE RIGHT HOME a. Obtaining all the property disclosures b. Reviewing all Comparable Sales in the neighborhood c. Reviewing exact payment figures (P+I+T+I) d. Reviewing Tax Benefits of home ownership e. Checking Zoning (if applicable) f. Building Permits g. Flood Zone h. Fire Department (for underground tanks) i. Police Department (Buyer's Responsibility) 9. NEGOTIATING STRATEGY & STRUCTURING OF THE OFFER a. How long has the house been on the market b. Were there any offers made c. What are current market conditions d. Negotiation strategy in buyer's market e. Negotiation strategy in seller's market f. Property price & terms g. Do you have a house to sell? 10. PRESENTING YOUR OFFER & COUNTER OFFERS a. Personally presenting your offer in a diligent manner b. Presenting your offer in accordance with our negotiation plan c. Closing the Offer or getting a counter offer 11. CLOSING THE SALE a. Best possible price b. Best terms possible c. In accordance with negotiation plan 12. THE HOME INSPECTION a. Selecting experienced, licensed Inspector who works in your best interest b. You Inspector will provide you with a thorough inspection and a comprehensive report c. Your Buyer's Agent will assist in investigating any issues, obtain repair estimates and help you decide if you should ask the seller to renegotiate or make repairs 13. THE PURCHASE AND SALES AGREEMENT a. Selection of a Real Estate Attorney who will represent your best interest b. Your Buyer's Agent will get the agreement signed 14. FINANCING YOUR HOME a. Help you select a bank or mortgage company with the best rates & terms b. Help you submit a completed application on time 15. HOME APPRAISAL PROCESS a. Meet appraiser & provide them with Comparable Sales b. Make sure appraisal is done in a timely fashion 16. THE MORTGAGE COMMITMENT a. Your Buyer's Agent will closely monitor the loan's progress b. Make sure you receive a condition free commitment on time or get you an extension if necessary 17. FINAL DETAILS BEFORE CLOSING a. Final Water & Sewer Reading b. Final Electric Reading (if municipal) c. Smoke & Carbon Monoxide Inspection d. Final Oil Take Reading (if applicable) e. Providing you with contact information of local utilities f. providing you with a list of moving companies (if needed) g. Home Owners Insurance (provide you with a list of agents & making sure you have an Endorsed Insurance Binder) 18. FINAL WALK THROUGH OF YOUR NEW HOME a. Premises delivered vacant or in accordance with terms of "P&S" b. Premises delivered broom clean condition c. Any mandated repairs in P&S are completed Seller gives buyer home orientation 19. THE CLOSING ON YOUR NEW HOME a. Make sure you have a bank or certified check b. Make sure you have an insurance binder c. Make sure you have any other required documentation d. Make sure you get keys to the home and will use my knowledge/skills in your best interest You will be impressed with my level of Commitment, Ability, Professionalism And Service! C.A.P.S.