BHHS Nevada Properties | Don Lainer's PlatinumElite.com Luxury & Relocation Guide

Southwest Homes of Distinction

Luxury Collection

Back ed by Legendary StrengthBack ed by Legendary Strength

To be rewarding, the sale of a luxury property must be handled by an experienced specialistwith uncommon high-end expertise, connections and resources.

You can be assured of the highest level of representation when you choose an agent with our Luxury Collectionsm Division, a member of one of the top brokerages in the nation.

The Integrity of Leadership.The Strength of Reputation.The Sign of Quality.

“Always Remember, we are never to busy to help you or any personal referral from good people like you!

Thank you in advance for all your Business and Referrals!”

7475 W. Sahara Ave. • Suite 100 • Las Vegas, NV 89117 • Phone: (702) 869-9999 • Fax: (702) 317-3424

RESIDENTIAL • HIGH RISE • OFFICE • MULTI FAMILY • COMMERCIAL • INDUSTRIAL • RETAIL • LAND

Don Lainer’s Platinum Elite Group

Welcome to the Family!

Dear Client:

It is our pleasure to welcome you into The Platinum Elite Family! We go to great lengths, making every effort in hopes of a

smooth transaction for each of our clients. We sincerely wish that whether you are a savvy investor or a first time buyer you

find your investment and/or new home comfortable, enjoyable and profitable. This welcome letter will provide important

information for your Real Estate needs.

OUR COMMITMENT TO YOU!

Commitment, a word that is centered around pledging responsibility, being held accountable for what we say or do for

someone else. It becomes the yardstick that we are measured by, leaving us under close scrutiny to see if we will live up to

what we say.

At The Platinum Elite Group, we feel confident in our dedication to the industry. We strive to provide service that is responsive

and professional. We commit our time and attention to your transaction, so that you can join that confidence too.

Each of us knows the importance of repeat and referral business. It occurs when you have had a successful and pleasant

experience with us. We are committed to developing relationships, not just processing deals. We want to work with you to

find out what is important to you, and keep communication flowing so that you are always aware of the circumstances

concerning your transaction.

You are vital to us and our success. We pledge to never lose sight of that, or take the sharing of your successes with us for

granted.

These statements are our commitment to you. No lofty promises of excellence to lure you first and disappoint you later ~~just

an honest and sincere statement of service that we stand behind unconditionally.

Please peruse through our Welcome Packet and Read | Compare | Use any information that is useful to you in your current

and future Real Estate needs.

We look forward to your coming home.

On Behalf of the Platinum Elite Group Team,

Thank you for choosing…..







Dear Investor:

Thank you for choosing Don Lainer’s Platinum Elite Group for your property management, rental listing and portfolio

management needs. We greatly appreciate your trust and will attempt to provide you with the highest quality of service

available.

Just to share with you, here is a brief overview of the services that we will provide to you, and your potential resident(s).

1. We will initially collect information from you about your investment, and discuss what criteria it is that you

would like advertised.

2. We will list your property on MLS for maximum REALTOR® exposure.

3. We will then attach a lockbox so that other licensed sales agents can show the property. This step can be

modified if your wishes are different.

4. We provide general advertising for studios, one, two, three, & four bedroom apartment, home and commercial

lease/rentals. Also ran, are general ads in the local newspapers and on-line, consistent with our availability of

properties for lease, but not specific to any one property. For ads specific to your property, we suggest that you

additionally advertise in any preferred media venue, with the option of listing our contact information for

additional convenience.

5. We, of course, will additionally advertise, show and give every effort to sell the advantages of your property.

6. If requested, we can complete a credit check, employment verification, and rental history on any potential

renter, and obtain your approval before deciding on a tenant.

7. Where Owner/Client Management occurs, we can help facilitate the completion of your lease agreement and

filling out any applicable Housing Authority paperwork where applicable.

8. We will provide the resident with the necessary information to contact for emergency services, etc., as well as

where to send or deposit monthly rent payments.

Our services are invaluable and we are always available to provide you with the highest level of customer service

possible.

On Behalf of the Property Management Team,

Thank you for choosing…..


Phone: 702-869-9999 Fax: 702-317-3424

E-mail: [email protected]

7475 West Sahara Ave. Suite 100 Las Vegas, Nevada 89117

Tel: 702.869.9999

Web Site: PlatinumElite.com

Attention Realtors and Agent Minded

Applicants

Now Hiring You Deserve a Premier Career

With an Elite Group We are setting the Standard of EXCELLENCE and we are looking for Associates not willing to settle for anything less; HIRING ENTHUSIASTIC, self-disciplined, motivated, forward thinking individuals with entrepreneurial spirit capable of working in high end & large volume capacity. It’s Time to start earning what you’re worth. Always looking for outstanding individuals. Take a Look at our Award Winning Web Site or Contact one of us at: [email protected] or 702-869-9999

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Platinum Elite Group

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“Let Us Become Your REALTORS

For Life!”

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7475 West Sahara Ave. Suite 100 Las Vegas, Nevada 89117

Phone: 702-869-9999 Fax: 702-317-3424

E-mail: [email protected]

Platinum Elite Group

ÂÊj{xÇ Uâç|Çz tÇw fxÄÄ|Çz âáx à{x cÄtà|ÇâÅXÄ|àxAvÉÅ gxtÅÊ We are dedicated to providing our clients with the best property, for the best price, while making the buying experience easy. Meet with one of our experienced realty con-sultants today and let us become your REALTOR® for life!

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PlatinumElite.com is a team of professionals with Berkshire Hathaway Home Services | Nevada Properties Realtors® - One of the most trusted names in the real estate indus-try.

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PlatinumElite.com offers more real estate services than any other real estate company to ensure that you will sell your home or find the home of your dreams!

PlatinumElite.com has proven to be the #1 source for Real Estate success in Las Vegas. Our dedicated group of REALTORS® are all members of the Greater Las Vegas Associa-tion of REALTORS® and have developed a prominent reputation for credible relation-ships with their clients. Our clients then go on to purchase multiple properties, leading to growth in their real estate investment portfo-lios.

Call the professionals at PlatinumElite.com today at 869-9999 to schedule a no cost market analysis of your home’s value. Knowing the value of your home is the first step to achieving your real estate goals!

Residential /New HomesResidential /New Homes

Bank Short Sale ListingsBank Short Sale Listings

HighHigh--Rise CondosRise Condos

Commercial / Retail / OfficeCommercial / Retail / Office

MultiMulti--FamilyFamily

Property ManagementProperty Management

Land Land

AuctionsAuctions

Investment PropertiesInvestment Properties

Luxury HomesLuxury Homes

Bank Foreclosures / REOBank Foreclosures / REO

Business OpportunitiesBusiness Opportunities

Condo ConversionsCondo Conversions

Condotel ResortsCondotel Resorts

OUR SPECIALITES Setting the Standards for Setting the Standards for Excellence Excellence

Always Looking for Always Looking for

Outstanding Associates!Outstanding Associates!

Marketing

Rectangle

Luxury Collection

The Foundation of the Luxury Collectionsm Division is Berkshire Hathaway — a name respected worldwide. We are the leader in Southwest home sales and ranked among the top real estate

companies in North America.

You can choose our company with complete assurance.

Back ed by Legendary Strength

• Over $2.5 billion in annual sales with 2,000 associatesin 21 offices

• Highest average sales price locally and nationwide

• Worldwide connection through Berkshire HathawayHomeServices relocation divisions

• Leader in Luxury Real Estate throughout the Southwest

included in Inc. Magazines’ 2013 and 2012 Inc. 500 list of the fastest-growing private companies in America.

Honored to have more top teams/agents than any other real estate company in the nation.

Ranked #3 in the Prudential Real Estate Network and in the top 26 of all real estate firms in North America.

Ranked the fastest growing real estate company in NV and AZ and the 3rd fastest growing company in the nation.

Together sold more listings at a higher value than any other real estate company in the Valley.

Voted Best Place to Work! Our Sales Executives and Staff focus on quality, integrity and expertise bringing an incredible level of customer service to our clients!

2014, 2013, 2012, Report

Arizona & Nevada Properties

Intensely Targeted Luxury Mark et Research

Luxury CollectionLuxury Collection

Your International Mark et Leader

Berkshire Hathaway is built to be forever...it’s true of all the businesses we own.“ ” — Warren Buffett, Chairman and

CEO of Berkshire Hathaway

Real Estate Done On A Global Scale:By utilizing the strength and valuable resources of one of the world’s most respected brands, we bring operational excellence and innovation as a compelling value for our customers. With a clear vision as one of the most highly valued real estate companies in the market, our powerful network of brands exemplify the reputation of Berkshire Hathaway — among Fortune’s 2013 most admired companies.

As one of the top firms in North America, backed by Warren Buffett — the world’s most successful investor — the company is a leader in all 50 U.S. states, 10 Canadian provinces, Mexico and Portugal. Together this powerhouse firm creates an international network of approximately 80,000 real estate agents and 2,800 real estate brokerage locations. The company’s U.S.-based Global Relocation Services is the #2 player in global relocation. With more than one-third of Fortune 100 companies as clients, our Relocation network moves nearly 85,000 families in and out of over 125 countries around the world each year.

A member of the over 200 billion-dollar Berkshire Hathaway Family, one of the most stable companies in the world employing over 300,000 people globally among its family of companies. Berkshire Hathaway HomeServices operates in nine countries; the U.S. under Berkshire Hathaway HomeServices, Prudential Real Estate and Real Living; Canada under the leading Real Estate Companies, Royal LePage and the luxury Via Capitale, as well as Brazil, U.K., France, Singapore, China and India. It is the only company with such reach, reputation and resources in the Real Estate Industry.

Sought-Af terExpertise

Our agents are well-known for their superb skills and finely-tuned awareness of the changing luxury market. They do vast amounts of business in Arizona and Nevada’s most exclusive communities and have forged strong relationships within the high-end real estate market. They draw on those inside connections every day to bring buyers and sellers of exceptional real estate together.

Le v er age Inside Connections

Luxury Collection

Le v er age Inside Connections

Luxury Collection

Well-established connections are essential in successfully marketing a luxury property. We maintain updated contact lists of active luxury agents throughout the southwest, across the country and around the world, and work with them to locate qualified buyers,

wherever they may be.

Our lists include:

• Top luxury agents from other firms nationwide

• Berkshire Hathaway Luxury Collectionsm Specialists worldwide

• International brokers serving high-end markets

• Local Luxury Properties Specialists

• High net-worth individuals in key feeder markets across the country

• Contacts from Berkshire Hathaway HomeService’s worldwide financial and relocation divisions

Luxury Collection

Your Buyer May Be On The Other Side Of The World.Worldwidenews standlocations including:

North AmericaUnited StatesCanadaCaribbeanMexico

South AmericaBrazilColombiaEcuador

AsiaChinaHong KongIndiaIndonesiaJapanKoreaSingaporeTaiwanThailand

Middle EastDubaiIsraelSaudi Arabia

EuropeAustriaEnglandFrance GermanyGreeceItalySpain Sweden Switzerland

Australia

Luxury Collection

Your Buyer May Be On The Other Side Of The World.

Our agents know what speaks to affluent buyers — and how to create a custom marketing plan for your property that captures their interest.

This sophisticated multimedia approach features a mix of Internet and print marketing including online home tours, elegant custom websites

and impressive full-color marketing pieces.

To find your buyers, we can advertise your property in the Berkshire Hathaway HomeServices Luxury Collectionsm Magazine, the Robb Report

Exceptional Properties Magazine, duPont Registry and many national and international publications.

The combined print and digital distribution of these magazines puts your home in front of over 125,000 upper-tier buyers in 70 countries.

K ey countries visiting

our w ebsites

United States

Canada

China

Philippines

India

United Kingdom

Australia

Egypt

France

Netherlands

Germany

Italy

Mexico

Brazil

Russian Federation

Hong Kong

Total visiting countries: 125

Luxury Collection

Global Connections

To bring your property to the attention of international buyers, our firm maintains relationships with a collection of the

finest luxury real estate brokers in the world.

The Luxury Collectionsm is the luxury marketing program of Berkshire Hathaway HomeServices.Through high-end local, national, and international marketing activities, they have grown

into a global powerhouse. With our heritage, our resources and personalized customer service, we are the leader in serving the real estate needs of affluent clientele.

Internet Maximized

Luxury home buyers will also be able to view your property on hundreds of other key real estate destinations including:

• BHHSNV.com• BHHSAZ.com• BerkshireHathawayhs.com• Trulia.com• Homes.com• RealtyTrac.com• Zillow.com• GoogleMaps.com• Oodle.com• Yahoo.com• Realtor.com• HomeFinder.com• Frontdoor.com• LVRJ.com• LasVegasSun.com• LATimes.com

And Many More...

Sw eeping Online Exposure

Luxury Collection

The vast majority of home buyers start their search on the Internet.Our proven strategy is designed to get your home in front of the largest online audience of affluent buyers.

With showcased listings on Trulia.com/Zillow.com, some of the industry’s leading real estate search engines, eBlast flyers to top local and National REALTORS®, mobile-friendly websites and premier positioning in our digital Full Inventory Buyer’s Guide —

we have the market covered.

Arizona Homes For Sale

The

Luxury Understood

Talus at Troon North

Featured Luxury Collection Listing

The Ray Group - 480.502.3700

See Page XX for more information

Volume 3, Issue 2

Homes Available from $30,000

to $3,000 Inside or Visit

www.bhhsaz.com

Destination Living

Luxury Collection

Ne vada

The Las Vegas Valley is like few places on Earth. Here you can choose to live in the luxurious and exciting energy of The Strip or the more relaxed upscale atmosphere of Henderson, Summerlin and other surrounding cities.

With Lake Mead and Mt. Charleston just a few minutes away you can luxuriate in a beautiful day of skiing or boating and be home in time to experience Las Vegas’ extravagant entertainment and night life.

With magnificent award winning golf courses— both private and public, sumptuous world class dining, stunning productions, plays and the symphony you will never be left wanting.

Revel in one of the most unique shopping experiences in the world. High-end department stores and exclusive boutiques offer the latest international fashions and service beyond compare.

With a 24 hour lifestyle, night or day you can live, work and play in one of the most amazing settings in the world.

Prov en Results — Ne vada

Luxury Collection

Queensridge Listed $5,500,000

Las Vegas Listed $7,299,000Lake Las Vegas Sold $7,425,000

Tournament Hills Listed $9,900,000

Queensridge Listed $6,600,00

Las Vegas Sold $6,500,000

Tournament Hills Sold $6,500,000

MacDonald Ranch Listed $8,750,000

Summerlin Village Listed $6,499,000 Southern Highlands Sold $5,959,000

Summerlin Village Listed $15,900,000 Las Vegas Sold $14,900,000

Prov en Results — Arizona

Luxury Collection

With a pedigree like no other our Luxury specialists have the knowledge, experience and international networks to ensure your distinctive

property is placed in front of affluent buyers from around the world who are looking in the southwest market.

Southwest Homes of Distinction

©2014 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity.

EQUAL HOUSINGOPPORTUNITY



How? You Ask….

Earn

Rew

ard

s!

Our Referral Program allows you to earn Rewards and | or

other promotional items such as gift cards to your favorite

restaurant, store, & much more! Current Rental Residents

have the option to trade rewards for rent credits. Just refer

a friend or family member and receive the promotion of your

choice . To qualify complete the following & return it with

your Referral Please either contact us at

[email protected] or 702-869-9999!

Referrals: Do you know of anyone who is interested in purchasing, selling, or renting? Yes No

Referral One: Buyer Seller Renter Landlord

Name: Phone: Email Address:

Address: City: State: Zip:

Referral Two: Buyer Seller Renter Landlord (Note: Information must be verifiable at time of Referral)

Name: Phone: Email Address:

Address: City: State: Zip:

Referring Party (Your Name): Number: Date:

What is your Favorite: Restaurants: Stores: Movies:

Clubs/Organizations: Entertainment/Hobbies/Interests:

Refe

r Fa

mily

or

Frie

nds

&

When Buying and Selling Always Use The Platinum Elite Group!

Direct: 702-869-9999

Email: [email protected]

www.PlatinumElite.com

5000-0000-NA

Berkshire Hathaway Home Services

Nevada Properties, REALTORS®

7475 W. Sahara Suite #100

Las Vegas, NV 89117

A Proud Sponsor Of

The Sunshine Kids

T H E K N O W L E D G E R E S O U R C E P R E S S

K N O W L E D G E I S P O W E R

The Knowledge ResourceFOR

First-Time Home Buyers

Your Agent Is the Best GuideSave Time, Money, and Frustration

The Keys to HomeownershipUnlock the American Dream

Is Buying the Right Choice?Advantages of Owning a Home

Tired of Renting? Need Tax Deductions?What a Difference a Deduction Makes

Build EquityMoney in Your Pocket

Before You Start Looking for a Home...Define Your Lifestyle

Home BuyingOne Step at a Time

How Much Home Can You Afford?Your Loan Consultant Can Help You

Your AgentIs the Best Guide

A good agent knows thehousing market inside andout and will help you avoida wild goose chase. He orshe can help you purchasea home whether it is his orher own listing or listed byanother agent or is beingsold by the owner directly.Your agent may be awareof homes that are availablethrough sources that you

wouldn’t be able to find on your own. These professionals also know homeprices and can advise you on the value of specific homes.

Most importantly, a real estate professional will guide you through thecomplex process of buying a home. The maze of financial options, legal doc-uments, disclosure requirements, inspections and a host of other details aresimplified by the use of an experienced specialist.

In addition, agents are often your best source for general informationabout a community; specific information about schools, churches, stores; andtips on house inspectors and comparable prices. Perhaps you’re wonderinghow much an agent is going to charge you for all this help. Well, the good newsis that normally it won’t cost you a cent.

Agents receive payment by a commission that the seller pays. However,that doesn’t affect the dedication or the spirit of teamwork that your agent willput into helping you find and buy the home of your dreams. After all, his orher success depends on your success.

How to find your new home faster. Be specific.• Tell your agent what you can afford.• Let your agent know exactly what you’re

looking for in a house.• Be as specific as possible at all times with your agent so that he or she can

better serve your needs.

2

Working with areal estateprofessional cansave you endlessamounts of time,money andfrustration.

Working with areal estateprofessional cansave you endlessamounts of time,money andfrustration.

Checklist

Here’s a list of what you canexpect from your agent:

Your agent should understandyour price range and type ofhouse you are interested inbefore he or she starts showingyou houses.

Your agent can provide youwith the facts you need to makeyour own purchase decisions.

Your agent can act as a knowl-edgeable representative whenyou make an offer and negoti-ate the price.

Your agent should be able toadvise you on obtaining financ-ing for your home.

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To HomeownershipThe KeysThe Keys

Welcome to First-Time Home Buyers – The Most Comprehensive Guide for Beginners.Inside you'll find the basic information that will help you begin the home-buyingprocess:

Before you startlooking for a home• What kind of home do you want? Need?

• What can you afford?

• How do you apply for a home loanand when?

• Do you have mortgage approval?

• Do you understand mortgage options?

You’re ready to start looking• How to look for a home

• Home buyer’s checklist

• How to find a good agent

Now that you’ve foundyour home• Making an offer

• The home inspection

• Homeowner’s insurance

• What are closing costs?

• The closing

• Keeping your paperwork organized

• Glossary of mortgage terms

• Common real estate terms

3

Is Buying the Right Choice?Advantages of Owning a Home

In spite of the risks and responsibilities, millions ofpeople enjoy the rewards of homeownership. Thereare many reasons to take this significant step.

A home is a sound long-terminvestment.When you carefully choose a home you can afford,the potential payoff is great. Each month when youpay your mortgage, you’re building equity by reduc-ing the amount that you owe your lender. The longeryou stay in your house, the more equity you will have.Unlike most things you buy, a home will generallyincrease in value as time passes, building moreequity. Remember, however, there is no guaranteethat your home’s value will appreciate.

Homeownership offers great tax advantages.Mortgage interest and real estate taxes are usually tax deductible. This allows you to subtractpart of your housing-related expenses from your income, which could reduce your tax billsignificantly.

A first home often leads to a better second home.As you build up equity in your current home, it is usually easier to move up to an even nicerhome in the future.

You are better able to plan your housing costs.Rent increases are unpredictable and usually beyond your control. One thing is certain: overtime, rent will increase, while the cost of homeownership is much more predictable.

You gain the satisfaction and security of ownership.You can decorate and improve your home according to your own needs and desires. Owninga home may give you a new sense of pride in your surroundings and encourage you and yourfamily to plant deeper roots in your community.

4

Tired of Renting?Need Tax Deductions?

5

Rent vs.OwnTAX QUESTION

What a difference adeduction makes

Is the federal income tax mortgage

interest deduction really a useful tool

by which the government can promote

homeownership?

Home buyers, particularly those

on the verge of making the transition

from renting to owning, but also

those in the trade-up market, fre-

quently seek information about how

the mortgage deduction actually

works.

The chart presented here clearly

indicates what a big difference the

deduction makes. The chart is for

general illustration purposes because

individual circumstances vary.

1,500300500

2,300

6,0004,600

39,4006,378

IncomeItemized Deductions

State Income TaxOther Taxes - DMVContributions & OtherInterest PaymentsPoints (2)Real Estate TaxesTotal Itemized Deductions

Deduction Used(standard or itemized)

Exemptions (2)Taxable IncomeFederal Income Taxes

Tax Savings: FederalState

Total Tax Savings: First YearFirst Year - MonthlyAnnual (after 1st year)

700300500

12,1102,7001,800

18,110

18,1104,600

27,2904,091

2,287800

3,087250

2,600

As Renters$50,000

As Buyers$50,000

RENT VS. OWNHow the Mortgage Interest Deduction

Helps Homeowners

John and Jane have a combined income of

$50,000 a year. They purchased a home in

January, 1992, for $150,000, putting 10%

down and financing the remaining $135,000

with a 30-year, 9% mortgage.

Their monthly principal and interest

payments amount to $1,086 a month. Here’s

how tax deductions will save them cash in the

first year and in years to come.(Figures are for illustration only. Your figures may differ.)

Buy Now!Buy Now!

6

The Rent You Pay ... Could Build Equity

in Your Own Real Estate

$300

350

400

450

500

550

600

650

700

750

800

850

900

1000

Per Month 10 Years 15 Years 20 Years 25 Years 30 Years

$61,453

71,696

81,398

92,180

102,422

112,665

122,907

133,149

143,391

153,634

163,576

174,118

184,360

194,603

$124,341

145,065

165,788

186,511

207,235

227,959

248,682

269,405

290,129

310,853

331,576

352,280

373,023

393,766

$227,811

265,779

303,748

341,116

379,684

417,652

455,621

493,590

531,558

569,527

607,495

645,464

683,432

759,369

$398,050

464,392

530,733

597,075

663,417

729,758

798,100

862,442

928,783

995,125

1,061,467

1,127,808

1,194,150

1,326,833

$678,146

797,171

904,195

1,017,220

1,130,244

1,243,268

1,356,293

1,469,317

1,582,341

1,695,366

1,808,390

1,921,415

2,034,439

2,260,488

Do you realize how much you pay in rent over a period of years? In addition to the monthly payment, youshould figure in the amount you would have accumulated had you invested your payments and earned 10 per-cent interest. This gives you a total picture of what is happening to your money. The rent you pay adds up to asizeable sum.

Using this chart, find your per month rental payment to discover how much money you are “giving away” in rentand interest over 10, 15, 20 or 30 years ... money which could be used to build equity in your own real estate!

What kind of home do you want? Need?Before you get out there and start looking at houses,it's a good idea to determine not only what you wantin a house but also, more importantly, what you need.It focuses your house-hunting and saves valuabletime trudging through houses you wouldn’t dream ofliving in.

You can use the worksheet on the next page to listyour wants and needs, but first, here are some thingsto think about as you set your priorities:

Where do you want to live? Close to where youwork? Close to your extended family, or as far fromthem as possible? Do you need schools? How importantis it to be close to shopping, hospitals, entertainment,community amenities, and how about traffic? Lookingfor a house really starts with looking for a neighbor-hood. Deciding where you want to live will save you alot of time as well as miles on your odometer, and iskey to narrowing your search.

How long do you expect to live in your first house? For instance, if you plan on living inyour first home for only a few years and intend to move

before you have children, proximity to schools maynot be an issue, but resale value probably will be. Onthe other hand, if you plan on staying for ten years ormore and having a family, schools and square footagewill be priorities.

What don't you like about where you'recurrently living? Making a list of what you defi-nitely do not want in a home will help you weed outhouses without having to waste your valuable timelooking at them.

It may seem obvious, but take a good lookat your lifestyle. Do you entertain a lot? Then you'llwant a home that lends itself to that. Do you work fromhome? You'll need a home with a place to create anoffice. Are you a gardener? Then lot size is a priority.

Keep these things in mind as you make your listof wants and needs. Remember, your list should beflexible in case you can't find a home in your pricerange with all the amenities you want. It's a good ideato put the list in order of importance. For instance,an eat-in kitchen may be more important to you thana fireplace.

7

Before you start looking for a home...

A tip from me:A tip from me:Arrange for movers now.I will offer suggestions soyou can shop for the bestprice.

Home Buying: One Step at a TimeSelect an agent and establish a relationshipI am a full-time, professional agent with extensive market knowledge. We will work closely togetherto find the right home for you.

Initial consultation with your agent to evaluate your needs and resourcesOnce I determine your needs, I will help you evaluate financial institutions and loan programs inorder to make a wise choice. We will meet to discuss your needs and analyze your resources.

Identify property to buyI will show you homes based upon the criteria that we establish. The more precise and direct youare, the more successful our search will be.

Determine Seller’s motivationOnce you have found the home that you wish to purchase, I will do the necessary research to helpyou structure an effective offer.

Write offer to purchaseI will draft the Purchase Agreement for you, advising you on protective contingencies, customarypractices, and local regulations. At this time, you will need to provide an “earnest money” deposit,usually from 1 to 3% of the purchase price (the deposit is not cashed until your offer has beenaccepted by the Seller).

1.2.

3.4.5.

8

Offer PresentationI will present your offer to the Seller and the Seller’s agent. The Seller has threeoptions: he or she can accept your offer, counter your offer, or reject your offer.My personal knowledge of your needs and qualifications will enable me to rep-resent you in the best way possible.

Seller’s ResponseI will review the Seller’s response with you. My negotiating skills and knowledgewill benefit you in reaching a final agreement.

Open EscrowWhen the Purchase Agreement is accepted and signed by all parties, I will openescrow for you. At this time your earnest money will be deposited. The escrowcompany will receive, hold and disburse all funds associated with your transaction.

Contingency PeriodThis is the time allowed per your Purchase Agreement to obtain financing, per-form inspections, and satisfy any other contingencies to which your purchase issubject. Typical contingencies include:

• Approval of the Seller’s Disclosure Statement• Approval of the Preliminary Report from the Title Company• Loan approval, including an appraisal of the property• Pest inspection and certification

Homeowner’s InsuranceI will coordinate between your Insurance Agent and the Escrow Officer to makesure your policy is in effect at the close of escrow.

Down Payment FundsYou will need a Cashier’s Check or money transfer several days prior to the clos-ing date of escrow.

Close EscrowWhen all of the conditions of the Purchase Agreement have been met, you willsign your loan documents and closing papers. You will deposit the balance ofyour down payment and closing costs in escrow and your lender will deposit thebalance of the purchase price. The Deed will then be recorded at the CountyRecorder’s office and you will take ownership of your home.

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Home Buying: One Step at a Time

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House HuntingPriorities Worksheet

Newer Home (0-5 yrs)

Single Story

Cabin Style

Central Air

Bedroom on 1st Floor

Family Room

Recreation Room

Library/Study

Laundry Room

Finished Basement

Swimming Pool

Tennis Court

2 or More Car Garage

Attached Parking Facilities

1/2 or More Acres

2 or More Acres

10 or More Acres

Waterfront Property

Swimming Pool

Security Features

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Older Home (75+ yrs)

Two ore More Stories

Fireplace

Bathroom on 1st Floor

Breakfast Area

Great Room

In-Law/Guest Suite

Basement

Spa

Patio or Deck

Irrigation System

Mature Planting

1 or More Acres

5 or more Acres

20 or More Acres

Fenced Yard

Clubhouse

Hospitals

APPROXIMATE PRICE RANGE:

Minimum: Maximum:

Minimum Number of Bedrooms:

Minimum Number of Baths:

Minimum Square Footage of Home:

GENERAL HOME FEATURES:

INTERIOR FEATURES:

EXTERIOR FEATURES:

LOT FEATURES:

COMMUNITY AMENITIES:

How much homecan you afford?

Few things are more frustrating than falling in love with a house only to discover it's notaffordable. How do you know what you can afford? By knowing how much money you qualifyto borrow. Use the following worksheet and your calculators to determine your price range.

Your loan consultant, however, will help determine exactly how much you can qualify for,but there are two things you'll want to consider before applying with a lender.

How's Your Credit? Check your credit report. It contains yourcredit score, which is vital for qualifying for a loan. Orderyour credit report from the three major credit bureaus,check them carefully for discrepancies anderrors and have each bureau clear themfrom your report.

Monthly Payment. Calculate how muchof a monthly payment you're comfortable pay-ing. You may qualify for a loan amount thatwould require a higher monthly payment thanyou'd like to pay. Sit down and figure out your month-ly expenses in a new home. Remember that with home-ownership you will incur financial responsibilities such asmaintenance, improvements, taxes, insurance and possiblyassociation fees.

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LOAN TYPE YOU’RE CONSIDERING

Down Payment

Mortgage Term (in years)

Monthly Payment Desired

MONTHLY INCOME

Wages Before Taxes or Deductions

Investment Income Before Taxes

Other Income

EXISTING MONTHLY PAYMENTS

Auto Loans

Student Loans

Credit Cards and Other Loans

OTHER MONTHLY DEBT

Alimony

Child Support

TAXES & INSURANCE YOU EXPECT TO PAY

Yearly Property Tax

Yearly Property Insurance

Home Affordability WorksheetIt’s important to determine things like yourmonthly payment, how much you can affordto borrow, how much house you can affordto buy and much more. Here's the typeof information you'll need to have onhand.

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T H E K N O W L E D G E R E S O U R C E P R E S S

K N O W L E D G E I S P O W E R

The Knowledge ResourceFOR

Finding The Perfect Real Estate AgentF O R S E L L E R S :Finding the Perfect Agent… Your Agent

Does Your Agent Really Work for You?Agents Must Now Disclose

Agent InterviewsGood Questions

Who’s Involved?Sellers’ Helpers

F O R B U Y E R S :What Type of Buyer Are You?Your Profile

Open HousesGood Way to Start

Agent InterviewsGood Questions

New Home Wish ListMaybe You Can Have It All!

Who’s Involved?Buyers’ Helpers

F O R S E L L E R S A N D B U Y E R S :Moving ChecklistStart Packing

Finding the PerfectReal Estate Agent...Your Agent

The tried-and-true way to find a real estate agent is to ask friends and relatives for a refer-ral of someone they know or have used successfully and would use again if the need arose. Theway to find the perfect agent is to interview the referred agents and then select the one that bestfits your needs.

You will want to determine certain important facts:

• How well does the agent know the local real estate market?

• What is his or her track record compared to local statistics?

• Does this person have good negotiating skills?

• Does this person have a good reputation within the industry?

Finding the right agent is essential to making your home-selling experience a positive one.You’re about to embark on a journey that will require preparations, decisions, time andpatience. Your relationship with the agent you select will help keep your stress level undercontrol and ultimately be responsible for the financial outcome of your transaction.

Define your objectives before starting and communicate these clearly to your agent.Knowing what is most important to you will help him or her strategize to help you meet yourgoals:

• What are your main objectives?

• Is speed most important?

• Or is it the highest price?

• Do you want the agent to report daily activities?

• Or only significant activity?

• Do you prefer an aggressive approach?

• Do you want the agent or support staff to be available 24/7?

Knowing your requirements before interviewing will assure you of making the best choice.Find out as much as you can about each agent from the party who made the referral. Speak witheach in person or on the phone and ask the questions supplied in the “interview” section of thisguide. Before making your final decision you should meet face to face with the agents you areseriously considering. Knowing what is important to you will help you find your perfect agent.Time invested upfront will prevent frustration later.

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3

Does the Real Estate AgentWork for the Buyer or the Seller?

While this does not pose as much of a problem for sellers since it is clear that the listing agent is working forthem, disclosure is now required by state law.

Real estate agents are required to disclose who they are working for, the buyers or the sellers or both. Inmost cases, before being shown property or discussing financial ability to purchase or lease property, clients willbe presented with a form, the Agency Disclosure Statement, indicating whom the agent will represent in the trans-action. Although you will be asked to sign this form, acknowledging that it was given to you, it is not a contractand does not obligate you to work with the agent — it simply serves as a consumer disclosure form to protectyour interests.

In the past, buyers assumed that the agent showing properties to them was representing them. The agentwould call them to inform them of new listings, would write up offers to purchase and give them information aboutfinancing and other related issues. Buyers would feel free to give them confidential or strategic information with-out knowing that the agent would pass this information on to the sellers, sometimes placing them at a disadvan-tage in the transaction.

In some cases, you may also be given another form, the Dual Agency Disclosure Statement. You may be askedto sign this form to indicate that you have been informed that the agent will be representing you as the buyer, aswell as representing the seller.

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Does the Real Estate AgentWork for the Buyer or the Seller?

All other reasons aside, this is most important, from a strategic perspective:

Seller’s Agent

• Seller’s agent works for the real estate company hired by the seller to sell their property.

• In Multiple Listings, all agents are sub-agents of the listing agent and represent the seller.

• Confidential information should not be given to a seller’s agent.

• Even after a seller’s agent has disclosed his or her agent status, confidential or strategic information should not be given.

• The disclosure statement is not a contract, only a disclosure.

Buyer’s Agent

• Buyer’s agent works for buyer only. You may be asked to sign an exclusive agreement with that agent, for a pre-determined period of time.

• The period of time can be any you both agree on, even as little as one day.

• Signing an agreement does not obligate you to pay the agent a fee (unless clearly stated and agreed to); real estate agents are usually paid a commission from the sale.

• You will be required to pay the agent a fee if you purchase a “For Sale By Owner” home during the periodof time you are under contract to the agent.

• When a buyer's agent shows a listing held by the agent’s own real estate firm, he or she has responsibilitiesto both parties. Since the seller pays the commission, the agent’s loyalties are split.

• When the agent’s loyalties are clearly split, the Dual Agency Disclosure must be presented to buyer and seller in advance and both must agree.

• Buyers would be wise to work with a buyer’s agent to ensure that their goals are met in an unbiasedmanner.

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Continued from page 3

Here are questions that will help you narrow the list of candidates:

• Are you a full-time or part-time real estate agent?

• How many years have you been in the real estate business?

• Is your license in good standing?

• How many homes have you sold in your career?

• How many homes have you sold in my area last year? …this year?

• How does that number of sales compare to the statistics of the National Association ofREALTORS®?

• What is your educational background?

• Do you offer any guarantees? What are they?

• May I call some of your past clients?

• What kind of experience and training do you have in negotiating?

• Can we get out of the listing without a hassle if we’re not pleased with your services? (Ask if a clause to that effect can be written into your agreement.)

Interviewing the Agent(Sellers)

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Continued on Page 6

• Will you design a written marketing plan specifically for our property?

• Where does your company rank among other companies in the area?

• Are you a member of the NATIONAL ASSOCIATION OF REALTORS®? Are you a member of the localBoard of REALTORS®?

• Are you a member of the MLS?

• Does your company have a widely-recognized logo that will call more attention to our home?

• How often will you be in touch with us from the time we hire you until escrow closes?

• Do you personally or does your company spend money on advertising?

• Specifically what type of advertising will you use to sell our home?

• If you’re not personally available, what support do you have in place to take care of myneeds?

• What do you do, if anything, to help prepare our home for sale?

• Do you market within as well as outside the real estate profession?

• Will you invest time marketing specifically to homeowners in this area to find out if theyknow someone who would like to live in this neighborhood?

• Will you hold Open Houses? How effective are your Open House strategies?

• Will you do Direct Mailings about my property? How many? How often?

• Will you personally handle all contract negotiations?

• What commission rate do you charge?

• Will your rate be lower if you sell my house yourself as well as list it?

• In the current market, at what price do you think our home will sell?

• Will you prepare a comparative market analysis for our home?

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Interviewing the Agent(Sellers)

Continued from Page 5

• Advertising Agency and/or Newspapers/Magazines

• Appraiser

• Legal Advisor

• Contractor (if repairs needed)

• Buyer's Mortgage Company

• Buyer's Loan Officer

• Lending Underwriter

• Loan Processor

• Title Company Representative

• Title Processor

• Attorney (in some cases)

• Current Mortgage Holder

• Moving Company

• Utility Company

• Termite Inspector

• Land Titles Office Representative

• Septic/Sewer Inspection

• Structural Engineer (in some cases)

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Who’s Involved in theSeller’s Transaction?

8

What Type of Buyer Are You?Your first steps toward buying a home can be daunting. However, by following some the guidelines we offer,

you will soon be ready to move forward with your plans, secure in the knowledge that you have done your home-work to assure a positive outcome. Armed with a clear vision of who you are as a buyer, you should soon be mov-ing into your new home.

You will be able to assist your agent in finding your dream home at a price you areprepared for by clearly communicating:

• Price range?

• First-time or repeat buyer?

• Current mortgage status if repeat buyer?

• Estimated available down payment?

• When will you be ready to buy?

• Is your new home purchase contingent on selling your existing home?

• Are you pre-qualified by a lender?

A home is one of the largest purchases most of us will ever make. Just as real estate agents are always tellingus about “location, location, location” when it comes to deciding which home to buy, there’s nothing like“preparation, preparation, preparation.” Before embarking on your search, take the time to create a realisticfamily-friendly budget and establish with your lender just how much house you can really afford. In our “wishlist” section, we’ve listed many features; select the ones that you must have, the ones that you want but could livewithout; then start cutting if your budget won’t stretch for all the desired features.

Once you are pre-qualified by your lender, begin your search. With a clear understanding of your require-ments and priorities, your search for your new home should be pleasant, satisfying and short.

This process can be very time consuming. Take care to schedule house-hunting appointments around yourother activities to avoid frustration and stress.

Should You Attend Open Houses?

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As we said earlier, beginning the process of searching for a new home can be intimidating. Attending adver-tised open houses may be an easier way to ease into your search. These are held every weekend and are listedin your local newspapers. Appointments are not required.

Attending open houses can be a great way to see many properties in a few weeks. It will give you an idea ofprices in the neighborhoods you are interested in without the pressure of making a commitment to an agent.Since not all properties are shown through open houses, realize that you will miss many that are shown byappointment only.

Be selective in this process. It’s easy to get caught up in the excitement of house hunting, but attending toomany open houses can lead to burnout, confusion and disappointment, especially if you’re looking out of yourprice range. Also, consider getting pre-approved for a mortgage before looking so that you will know what pricerange to concentrate on. At this point, we’re assuming that you haven’t yet selected an agent, but once you do,always be upfront with the agent conducting the open house about this relationship. Doing so will prevent mis-understandings about commissions if you should end up buying the house.

Remember, you will be a guest in someone’s home:• Come at the specified time, not earlier and not later. • Please register and present identification, if asked. Real estate agents work alone sometimes and need to

be cautious. • Get a copy of the multiple listing sheet or flyer if you're interested in a particular property. It’s difficult to

Continued on Page 10

remember the specifics once you leave and visit a number of other houses. Takes notesif necessary.

• Leave children and/or pets with a sitter. It will be easier for you to concentrate on the property and ask relevant questions.

Find out about the neighborhood:• Is this a friendly neighborhood?

• Is this a noisy area? (better to know before buying)

• Are the streets congested with traffic around during rush hours?

• Are the streets safe at night?

• Are the schools good?

• Are there nearby medical facilities, churches, shopping areas and grocery stores?

• What about taxes, local government and law enforcement?

• Have plans for new developments, or facilities you might object to, been approved by the planning commission?

You may want to do some further fact-finding on your own:• Drive or walk around the neighborhood at various times of the day or evening.

• Make note of the condition of houses and lawns. Peeling paint on houses, dirty windows, trash cans in plain sight, cars on the lawns, overgrown grass and weeds would indicate a poorly kept neighborhood.

• Contact the local police department and ask for crime statistics.

• Check alleys and public buildings for graffiti that could indicate gang activity.

• How much do local schools spend per child? Ask about test scores.

• You’ll want to know about local transportation as well as your commute time to work.

• What about neighborhood shopping and recreational facilities?

• Research recent selling prices for houses in the neighborhood, increase in value in the past 10 years and property tax increases.

• Call the water, disposal, gas, cable, phone and electric companies for utility costs.

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Should You AttendOpen Houses?

Continued from Page 9

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• Do you work full-time or part-time as a real estate agent?

• How well do you know the specific area(s) I’m interested in?

• Will you handle all aspects of my transaction or will your support staff handle most of it?

• Will you be accessible when I need you?

• Will you give me a comparative market analysis (CMA) of recent sales in the area and homes currently for sale?

• Is your license in good standing?

• What is your educational background?

• Will you use the MLS listings and the Internet to find properties with the features I want, in my price range?

If interviewing for an Exclusive Buyer’s Agent, also ask these questions:• Will you confirm in writing that your firm does not accept listings?

• Can you work with me on homes for sale by owner, new construction, and multiple listings?

• Can you work with me on both new and existing homes?

• Are you familiar with new home developments in the area I’m looking at?

• Do you have knowledge of different builders’ reputations in the industry?

• Are you a member of local and national REALTOR® associations?

• Will we work under a formal exclusive buyer’s contract?

• Do you charge a good faith fee and is this fee returned to me at close of escrow since you will be receiving a commission from the sale?

If you’re not familiar yet with the concept of a buyer’s agent, not to worry… this trend has onlybeen around since the mid-1980s. Prior to that time, agents could represent both seller and buyerand no one appeared to recognize this as a conflict of interest. Since the seller was paying theagent’s commission, he would consider his or her duty to be to the seller, and would not nec-essarily be representing the buyer’s best interests.

Today, a buyer’s agent works solely for the buyer and represents only the buyer’s best interests.Most states require disclosure as discussed earlier.

Interviewing the Agent(Buyers)

Try to define as closely as possible the neighborhoods, type of housing and features that youare looking for, and make a list for your real estate agent. The closer you are able to describeyour dream home to your agent, the sooner you’ll be living in it. Don’t forget to define yourprice range, based on discussions with a lender of your choosing. If you feel that you may havesome credit issues, you would do well to start working with the lender as soon as possible toresolve these and obtain your loan.

Agents usually insist on working with clients who are pre-qualified as this assures the seller thatthe buyer is serious and able to purchase a home. Being pre-qualified places you in a strongernegotiating position.

Here are some ideas. Feel free to delete some of these and add your own:

Type of housing:• Single family dwelling

• Condo

• Townhouse

• Cooperative

Neighborhood (be as specific as possible):• Urban

• Suburban

• Rural

• Gated – Security – Community Pool – Golf – Tennis

• Senior Development 55+

• Lakeside

• Mountains

• Close to Schools, hospitals and shopping

Necessary Features (elaborate where needed):• Number of Bedrooms

• Master Bedroom Suite

• Number of Bathrooms

• Tubs and Separate Showers

• Eat-in Kitchen

• Refrigerator

New Home Wish List

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New Home Wish List

13

Necessary Features (elaborate where needed):

• Electric range/cooktop

• Built-in range/oven

• Gas or Electric Range

• Self-cleaning Oven

• Microwave Oven

• Disposal – Trash Compactor

• Dishwasher

• Family Room

• Formal Dining Room

• Forced Air/Heat

• Garage: Number of Cars

• Garage: Attached – Detached

• Automatic Garage Door

• Lot Size

• New House

• Maximum Age of House

• Approx. Square Footage of House

• Number of Floors

• Large Backyard

• Landscape sprinklers

• View

• Fireplace

• Finished Basement

• Pool/Jacuzzi

• Patio/Porch

• Stucco Exterior

• Wood Siding

• Brick

• Newer roof

• Security System

• Good freeway access

• Appraiser

• Legal Advisor

• Contractor (if repairs are needed)

• Mortgage Company

• Credit Bureau

• Lender or Loan Officer

• Lending Underwriter

• Loan Processor

• Title Company Representative

• Title Processor

• Attorney (in some cases)

• Current Mortgage Holder

• Moving Company

• Utility Company

• Termite Inspector

• Land Titles Office Representative

• Septic/Sewer Inspection

• Home Inspector

• Structural Engineer (if needed)

Who’s Involved in the Buyer’s Transaction?

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Making your move as easy as possible and savingyou both time and frustration is what this section is allabout. Entrusting all your worldly possessions to amoving company and hoping they will deliver themback to you when you want them, where you want them,seems to require a giant leap of faith. Moving has beenrated, by some, as the third most highly pressuredexperience next to going to jail or getting married!

Look over the list below and check off each as it’sdone. Before you know it, your move will be over and you and your family will be enjoying your new home.

• File your change of address with the post office. • Transfer utilities, schedule meter readings: have handy the turn-off date at your current address and turn-

on at your new address. • Contact moving companies for estimate. • Get moving boxes. • Set moving schedule. • Re-confirm with movers the date and time of their arrival at your home on moving day. • Let your movers know what you expect of them. • Ask movers the extent of packing and readiness expected of you. • Does the moving company have insurance coverage in case of damage?• Is insurance coverage for replacement or fair market value? • Establish termination date for delivery of mail and newspapers. • Send change of address cards to insurance companies, credit card companies, and service providers. • Notify your automobile insurance company of your new address. • Inform your children's school of your move and new address.• Start registering process at your children’s new school. • Obtain medical and dental records if you’ll be changing providers. • Send your bank your change of address or close or transfer your bank account. • Have pilot lights for the stove, water heater and furnace checked at your new home. • After moving, check with Post Office to see if any mail is being held for you. • Change voter registration. • Notify Department of Motor Vehicles of your new address.

Enjoy your new home!

Packing and Moving





UTILITY INFORMATIONELECTRIC Las Vegas, Henderson, North Las Vegas: NV Energy 6226 W. Sahara Ave, Las Vegas, Nevada 89153 702-367-5555 / 702-402-5000 www.nvenergy.com

GAS Las Vegas, Henderson, North Las Vegas: Southwest Gas Corporation 1374 W. Cheyenne Av. Ste. 107, N. Las Vegas, Nevada 89030 1-877-860-6020 www.swgas.com

WATER Las Vegas Valley Water District 1001 S. Valley View Blvd., Las Vegas, Nevada 89153 702-870-4194 / 702-870-2011 www.lvvwd.com Henderson Water & Sewer: 240 Water St., Henderson, Nevada 89015 702-267-5900 www.cityofhenderson.com North Las Vegas water, sewer, & trash City of North Las Vegas 2200 Civic Center Dr., North Las Vegas, Nevada 89030 702-633-1484 / 702-633-1000 www.cityofnorthlasvegas.com

SEWER Las Vegas Sewer District 5857 E. Flamingo Rd., Las Vegas, Nevada 89122 www.cleanwaterteam.com 702-458-1180 / 702-434-6600 Henderson Water & Sewer: 702-267-5900 www.cityofhenderson.com North Las Vegas water, sewer, & trash City of North Las Vegas 702-633-1484

TRASH / DISPOSAL SERVICES Las Vegas & Henderson: Republic Services of Southern Nevada 770 E. Sahara Ave., Las Vegas, Nevada 89104 702-735-5151 www.republicservicesvegas.com North Las Vegas water, sewer, & trash City of North Las Vegas 702-633-1484

CABLE | INTERNET | PHONE Las Vegas, Henderson, North Las Vegas: Cox Communications 750 N. Rancho Dr., Las Vegas, Nevada 89106 702-383-4000 or www.cox.com 702-244-7400 / 1-866-304-6820 CenturyLink 330 S. Valley View Blvd., Las Vegas, NV 89106 www.embarq.centurylink.com

US POSTAL INFORMATION General Information 702-361-9212 www.usps.com

EDUCATION Clark County School District 702-799-5011 www.ccsn.nevada.edu University of Nevada, Las Vegas 702-895-3011 Community College of S.Nevada 702-651-4000 University of Phoenix 702-876-5004

DEPARTMENT OF MOTOR VEHICLES For information on vehicle registration or obtaining a drivers license, contact the Department of Motor Vehicles at: 8250 W. Flamingo Rd., Las Vegas, Nevada 89147 2701 E. Sahara Ave., Las Vegas, Nevada 89104 7170 N. Decatur Blvd., N. Las Vegas, Nevada 89131 1399 American Pacific Dr., Henderson, Nevada 89074 702-486-4368 / 702-455-4316 www.dmvnv.com

Welcome to spectacular living at;

Address:

City, St, Zip:

Don Lainer’s Platinum Elite

Group

http://www.nvenergy.com/

http://www.swgas.com/

http://www.lvvwd.com/

http://www.cityofhenderson.com/

http://www.cityofnorthlasvegas.com/

http://www.cleanwaterteam.com/

http://www.cityofhenderson.com/

http://www.republicservicesvegas.com/

http://www.cox.com/

http://www.embarq.centurylink.com/

http://www.usps.com/

http://www.ccsn.nevada.edu/

http://www.dmvnv.com/

BHHS Nevada Properties | Don Lainer's PlatinumElite.com Luxury & Relocation Guide

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