What you need to know before you start looking to buy

1. 1

2. Edna
Broker
Keller Williams Realty
Seattle Metro West
Cell: 206-300-2735
www.westseattleviews.com
www.ebishop.kellerwilliamsseattle.com
Dream BIG
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3. broker
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4. Why
Keller Williams
?

5. Keller Williams National
2nd largest residential real estate company in the USA
& growing fast
Believes in:
teamwork vs. competition
Offers:
top~notch ongoing training
cutting~edge technology
Winner of Inman Innovator Award
Most Innovative Real Estate Website or Service - eEdge

6. 5

7. It’s all
about
YOU
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8. Your dreams
Your concerns
Your questions
Your finances
Your time
Your life

9. Basic Information
Name
Phone
Email
Name
Phone
Email
Who is the primary contact and what is the best time and way to reach that individual?
What is prompting your move?
When do you need to be in your new home?
Are you pre-approved for a mortgage?
What is your price range?
✓If we found a home today that meets all of your needs and as many of your wants as possible, would you make an offer?

10. Your Lifestyle Interview
Lifestyle
Who will be living in the home you purchase? Will anyone else be spending more than an occasional overnight stay (e.g., parents)?
Describe your lifestyle. What do you enjoy doing at home? Do you do a lot of entertaining? How do you spend your time in the evenings and
on the weekends?
Does your home need to accommodate any special needs? Do you have any pets?
Do you have anything special that needs to be accommodated such as athletic equipment, fine art, large furniture, or a large collection?
When people come to your home, what do you want your home to say about you?
Is there anything I should know about your lifestyle that I have not asked?
Location
Tell me about your ideal location.
What is your maximum commute time and distance? What is your work address? Are schools important?
Is there a particular view you are seeking (e.g., skyline, lake, mountains)?
What else is important about your location?
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11. Your Home Wish List
House – Interior
What kind of style do you want the interior of your home to have (e.g., formal, casual, cozy, traditional, contemporary)?
What kind of floor plan do you prefer (e.g., open vs. walls between all living spaces)?
In general, what are your likes and dislikes for the interior of your home?
Bedrooms
How many bedrooms do you need?
How will each of those rooms be used?
What are your preferences for the master bedroom?
Bathrooms
How many bathrooms do you need?
What are your needs for each of the bathrooms?
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12. Kitchen
What features must your kitchen have (e.g., breakfast area, types of appliances, etc.)?
What finishes do you want (e.g., countertops, flooring, appliances, etc.)?
What are your likes and dislikes for the kitchen?
Dining Room
Would you like the dining room to be part of the kitchen configuration? What about the living room? What size dining room
table do you have?
Living Room/Family Room
Describe your likes and dislikes.
Do you want a fireplace?
What size room(s) do you have in mind?
What other rooms do you need or want?
What else should I know about the inside of the house you are looking for?

13. Summary
What are the top five things your home needs to have?
Beyond those five things, what is something else you really want to have?
If you could have something else, what would that be?

14. The Neighborhood of Your Dreams
Please consider the following and record any notes or preferences:
Areas you would enjoy
Specific streets you like
School district(s) you prefer
Your work location(s)
Your favorite shops/conveniences
Recreational facilities you enjoy
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15. Items that are hard to change:
Location Location Location
Layout & Style
View
Items that are easier to change:
Paint color
Counter tops
Appliances
Landscaping

16. Prioritizing your needs
& wants:
Items that are hard to change:
Location Location Location
Layout & Style
View
Items that are easier to change:
Paint color
Counter tops
Appliances
Landscaping

17. Frequently Asked Questions
How will you tell me about the newest homes available?
The Multiple Listing Service Website provides up-to-date information for every home on the market. I
constantly check the New on Market list so I can be on the lookout for my clients. I will get you this
information right away, the way that is most convenient for you; by phone and/or email.
Will you inform me of homes from all real estate companies or only Keller Williams Realty?
I will keep you informed of all homes. I want to help you find your dream home, which means I need to stay
on top of every home that's available on the market. Signing up for listings on my website will help as well.
Can you help me find new construction homes?
Yes, I can work with most builders and get you the information you need to make a decision. On your first
visit with the builder, I will accompany you. By using my services with a new construction home purchase,
you will receive the services I offer, as well as those provided by the builder, at no additional cost.
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18. Short sales, foreclosures & bank
owned proprieties
✦ Usually sold as is and may require work prior to closing. Also expect longer
closing times ~ so be prepared.
SHORT SALE – when the home owner owes more than the home is worth and is in a
hardship situation financially where a sale must happen (loss of job, divorce, etc.). Just
because a seller WANTS to sell does not mean the lender(s) will approve, and a hardship
must be demonstrated and documented.
FORECLOSURE – once a homeowner reaches a point where s/he cannot pay the
mortgage, a NOTICE OF DEFAULT (NOD) is filed by the lender. Often an owner
already has the home on the market as a short sale.
BANK OWNED ~ If a foreclosure property does not sell, it may be auctioned off. If it
is not bought then, the house becomes an REO that is “owned by the bank” and sold
BY the bank on the open market.
✓ I always recommend having an inspection ~ it’s cheap insurance.

19. How does for sale by owner (FSBO) work?
Homeowners trying to sell their home without agent representation are usually doing so in the hopes of
saving the commission. If you see a FSBO and want the advantages of my services, let me contact the
owner for you and make an appointment. Most times the homeowner will work with an agent, even though
their home is not listed, since the agent is introducing a potential buyer to their property.
Can we go back through our property again once an offer is made, but before possession?
Usually, we can notify the seller and schedule a convenient time to visit the property again. Immediately
before the closing, we will schedule a final walk-through and inspection of your new home.
Once my offer is accepted, what should I do?
Celebrate and focus on moving into your new home! You will want to schedule your move, pack items and
notify businesses of your address change & ttain home owners insurance. You will also receive a HUD
statement, which will indicate the amount you will need to bring to closing.

20. The Home Buying Journey
On the path towards home ownership, you’ll find these important landmarks:
1. Get Pre~Approved ~ Choose a lender that will help you through the steps & guarantee your loan.
2. Find a home and have the offer accepted.
3. With the offer you will need:
✦ Earnest money check which will be held by Keller Williams & deposited by Escrow once the offer
is accepted.
✦ Earnest money check is usually around 2% of the sale price.
✦ Pre~approval letter stating the amount of the offer.
4. Have the home inspected by the person of your choice.
✦You will want to be at the inspection ~ it is your chance to get to know your house. If you need a
list of inspectors I can provide that for you.
5. The lender will order a home appraisal and title.
6. An underwriter will review the final loan documents and give approval.
7. You and the seller sign closing documents with an escrow company
8. The loan funds and title is recorded at the courthouse.
9. Move in!

21. Low interest rates allows you
to buy MORE house for LESS
$$$

22. Lower interest rates mean MORE
HOUSE for your $$$
✓mortgage calculator

23. THE TEN COMMANDMENTS
When Applying For A Home Loan
Here are a few rules to live by between the time you make your loan application and the day you close
your home purchase:
1. Thou shalt not change jobs, become self-employed, or quit your job no matter how much
you may hate it, until the day after your purchase closes!
2. Thou shalt not buy a car, truck or van unless you want to be living in it.
3. Thou shalt not use charge cards excessively or let your accounts fall behind.
4. Thou shalt not spend money you have set aside for closing.
5. Thou shalt not omit debts or liabilities from your loan application.
6. Thou shalt not buy furniture until you own a home to put it in.
7. Thou shalt not originate inquiries into your credit.
8. Thou shalt not make large deposits without first checking with your loan officer.
9. Thou shalt not change bank accounts.
10.Thou shalt not co-sign a loan for anyone.

25. Besides me “your
Realtor” your
Mortgage Person
can make a
HUGE difference

26. Contact a loan officer today . . .
What’s different about
Don Zender
Evergreen Home Loans: MLO ID: 9023
“People Helping People Buy Homes” Call: (206) 999-5390
Windy Montero
‣They are a Mortgage Banker
MLO ID: 211013
‣They have their own underwriting
Call: 245-4882
‣They have the ability to broker to other companies
(Banks can only offer their own rates & programs) Ginny Lee
‣ Seller Guarantee: will pay the seller $1,000 (subject MLO ID: 211165
only to receipt of approved appraisal, title & inspection) Call: (206) 774-7501

27. one option to consider:
Contact a loan officer today . . .
What’s different about
Don Zender
Evergreen Home Loans: MLO ID: 9023
“People Helping People Buy Homes” Call: (206) 999-5390
Windy Montero
‣They are a Mortgage Banker
MLO ID: 211013
‣They have their own underwriting
Call: 245-4882
‣They have the ability to broker to other companies
(Banks can only offer their own rates & programs) Ginny Lee
‣ Seller Guarantee: will pay the seller $1,000 (subject MLO ID: 211165
only to receipt of approved appraisal, title & inspection) Call: (206) 774-7501

28. Bullet proof your offer:
*Pre~Inspection
*Shorten inspection times
*Work with the sellers
*Offer an educated offer
* Write a letter to the sellers

30. A Home Warranty
can pay for
itself if something
breaks
after closing . . .

31. OLD REPUBLIC
HOME
WARRANTY
275$60 Seller/Buyer $ Trade
Call Fee
Coverage
$255 Condo/
Mobile Home
$60 Trade
Call Fee
Check Out our NEW
400
Ultimate Protection $
Platinum Plus Plan $475
Colorado, Utah, Washington Application
Ideal for
Short Sale and
Foreclosed Homes
People Helping People
w w w. o r h p . c o m 800.445.6999
P.O. Box 5017 San Ramon, CA 94583-0917
,
Proudly Serving the
Real Estate Industry Since 1974
more information
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32. Bundled Coverage
Comprehensive Plus Plan Includes:
$255 Standard Plan Coverage
• Plumbing System • Ceiling Fans
• Plumbing Stoppages • Attic and Exhaust Fans
• Toilets • Doorbell
Colorado/Washington/Oregon/Illinois • Sump Pump (Permanently installed) • Smoke Detectors
Home Warranty Plan • Built-in Whirlpool Bathtub Motor Pump
• Recirculating Hot Water Pump
• Dishwasher
• Range/Oven/Cooktop
• Water Heater • Built-in Microwave
• Central Heating System* • Garbage Disposal
13 SEER • Ductwork • Instant Hot Water Dispenser
ge
Covera t NO • Electrical System • Trash Compactor
da • Telephone Wiring • Central Vacuum System
Include al Cost! • Garage Door Opener
n
Additio
+ Evaporative Cooler Option
$60 Air Conditioning/
+ $45 Comprehensive Option e.
Best Valu ge.
era
Most Cov gs!
= $360 Still $330! $30 Savin
*Covered for seller only when Optional Seller’s Heating
and Air Conditioning coevrage is purchased.
Limits of Liability
1. FNHW’s liability is limited to failures due to normal wear and tear during the term of the contract.
2. FNHW has the right to a second opinion.The contract holder may order their own second opinion, but
shall be responsible for that cost.
3. FNHW will determine whether a covered item will be repaired or replaced.Except as otherwise noted in
We’ll protect your this contract, replacements will be of similar features, capacity, and efficiency as the item being replaced.
FNHW is not responsible for matching brand, color and/or dimensions.When parts are necessary for
completion of service, FNHW will not be responsible for delays that may occur in obtaining those parts.FNHW
investment… reserves the right to repair systems and appliances with non-original manufacturers’parts, including rebuilt or
refurbished parts.Repairs and/or replacements that are subject to a manufacturer’s warranty are excluded
from this contract.FNHW is not responsible or liable for the disposal cost(s) of appliances, systems, equipment
While you enjoy your home.
and/or components of equipment including refrigerant,contaminants,and/or other hazardous or toxic materials.
4. When federal, state or local regulations, building and/or similar code criteria require improvements and/or
additional costs to service a covered system and/or appliance, including permits, the costs to meet the proper
code criteria shall be the sole responsibility of the contract holder, except where otherwise noted in this
contract.FNHW will be responsible for repairs and/or replacement of covered systems and/or appliances after
1-800-TOCOVER (1-800-862-6837) the proper code criteria are met, except where otherwise noted in this contract.When upgrading covered
systems, parts or components to maintain compatibility with equipment manufactured to be 13 SEER*
www.homewarranty.com compliant, FNHW is not responsible or liable for the cost of construction, carpentry, or other structural
modifications made necessary by installing different equipment.FNHW is not responsible to perform service
involving hazardous or toxic materials and/or conditions of asbestos. *Seasonal Energy Efficiency Ratio
A F I D E L I T Y N AT I O N A L F I N A N C I A L , I N C . C O M PA N Y
more information
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33. What is GREEN &
why does it matter?
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34. Green can mean:
sustainability
walking score
energy efficiency
nearby parks & views
natural resources & light
rain barrels
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35. GREEN tips
eco friendly paint
full spectrum light bulbs
or low energy light bulbs
non toxic cleaners
vegetable garden
recycle
rain barrels
seal up and repair leaks
of cold air & water
natural light
walk score
neighborhood / community

36. Why Green?
Green homes create more
value for YOU in how YOU live
green home advisor | home
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38. What folks are saying . . .

39. testimonials
Joe Schafer ~ If you want a person who is all about you in every detail of the buying or selling real estate process you not only
want Edna Bishop, YOU NEED HER! Edna has a true eye for detail when viewing properties, she has remodeled three of her own
homes from top to bottom. She acted as the general contractor on each remodeling project. Edna's one smart cookie, she does the
research and always ask the right questions, there's no wool she can't see through! Having Edna Bishop in your corner doesn't
end at closing, she will be there for life. Anytime you need to ask questions about real estate, interior design for future resell value
or just need good honest contractor referrals, she's there to help!
Nancy Haugen ~ Dear Edna: I wanted to write a big thank you for all you did to sell my house for me. The process was truly
amazing, from the full-price offer on my first open house to your sound advice. Your calm demeanor, and common sense really
helped me through the stressful parts. You are truly one of the hardest working individuals I have ever met, and you are always
upbeat, and know that everything will work out. Thank you for believing in me, and my house. Sincerely, Nancy Haugen
Julie Tonkinson ~ I have had the pleasure of working with Edna as my agent as I went through the process of buying my first
condo. Right from the beginning, she made me feel comfortable and secure in the process and in working with her. She was very
organized and worked to educate me on the steps in the process and terminology. Even with my busy work week, she was terrific
about sending me listings, being flexible, and working with my schedule.
Edna was a great fit for me because she isn't pushy or hurried. She got to know what I was looking for and found the perfect
condo for me. I couldn't be more pleased with my new home. Not only does it have everything I was looking for, but she made sure
it was well-inspected and was a good investment.
Even months later, I am still telling people what a great agent she is recommending her. I couldn't have asked for a better agent in
helping me buy my first home!

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41. What would make
your experience a
10+ in buying
your home?
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43. OK guys ~ let’s go buy your new home