Powerful Technology ● Proven Systems ● Successful Results

9 0 4 . 3 3 4 . 7 4 2 6 * T e a m K n a p p . c o m

A G l o ba l N e t wo r k

We Se l l H ous e s O t he r s C ou ld n ’ t

D o y o u w a n t Te a m K n a p p t o l i s t y o u r h o u s e n o w o r

l a t e r ?

W hy C ho os e Te a m K na p p ?

T h e n u m b e r s d o n ’ t l i e . Te a m K n a p p h a s a p r o v e n t r a c k

2011 - 73

2012 - 72

2013 - 26

2011 - 118

2012 - 115

2013 - 88

AVERAGE MLS LISTING

2011 - 96%

2012 - 95%

2013 - 98%

2011 - 92%

2012 - 93%

2013 - 94%

AVERAGE MLS LISTING

89%

90%

91%

92%

93%

94%

95%

96%

97%

98%

99%

2011 2012 2013 2014

AVERAGE LIST TO SOLD %

Team Knapp MLS

0 20 40 60 80 100 120 140

2011

2012

2013

2014

AVERAGE DAYS ON MARKET

MLS Team Knapp

“Don't waste your time with any other realty team. Kim sold our home in 12 days and the entire team made the

transaction extremely seamless.” ~ Brian & Becky Feld

M LS Sa l e s I n f o r m a t ion b y O f f i ce

FLEMING ISLAND

S e l l e r s A g e n d a Fo r O u r M e e t i n g

I am looking forward to the opportunity to meet you and learn more about

your goals. It is my job to educate you about the market and help you to

establish a competitive position that will create a favorable response from

today’s buyers.

Please know that my mission is to get you where you want to go on time!

This booklet is for your review. I will pick it up when we meet. It has some

disclosure forms that you can review and fill out along with information

about me and our service. This prelisting presentation is designed to help

you better understand me, Team Knapp, my company and the process of

marketing and selling your home. Reviewing this information, in advance,

will help you to know what questions to ask and what needs to be clarified

when I arrive.

Our appointment should be about 1 hour, during which time we should

accomplish the following:

Tour your home to discover the most marketable features

Review your needs, goals and any concerns you may have

Discuss current market conditions and how they may affect you

Answer any questions you have about hiring me to represent you in the

sale of your home

If this time frame does not work for you, or if you have other thoughts on

the agenda, please let me know so that I may customize this appointment

to meet your needs...

Born and raised in the Midwest (Danville, Illinois) I learned hard work at a young age. Being the

oldest of 6 children learning to be responsible was not an option. At the same time growing up in a

small town my memories are grand. Great friends and great times. When I moved to Upstate NY I met

my husband of 21 years working for Delco. We both worked there until it was time for Tom to retire

and here we are, sunny Florida!

With the help of a team I have built a remarkable referral base and created innovative outreach

programs in the community that encourage a symbiotic relationship between the real estate

community and the neighborhoods they serve. These efforts have helped land the team in the top ten

REALTORS in Jacksonville year after year.

From the very first year I was blessed to be a top producer . What did I learn? That old

fashioned hard work, networking with fellow professionals and most importantly - remembering that

if my customers had a remarkable experience they would refer me to friends and family is what makes

a real estate professional successful.

Welcome to the wonderful world of real estate!

This is a very exciting time and we want you to feel comfortable and knowledgeable

throughout the entire process.

I will listen to your needs, keep you informed, help you through the negotiation process,

and ensure you achieve the most marketable price for your home. I welcome you to

communicate your feelings to me. After closing I will still be there to assist you if needed.

Thank you for choosing Team Knapp to help you with one of your

most valuable assets! We hope you will be so pleased with the

experience that you will want to refer us to your friends and

family!

Kim Knapp, Realtor

Kim@TeamKnapp.com

904.334.7425

About Kim...

Tom Knapp Sales Associate/Property

Management Loves working with his hands.

Kim Knapp CEO/Realtor/Founder of

Real Dynamic Agents & Real Giving Program

Loves mentoring & training.

Cari Knapp Licensed Realtor

Loves being creative.

Laci Allen Licensed Realtor

Loves learning new things!

Sara Galloway Personal Assistant/Office

Manager Loves her Navy husband!

Regina Kloosterman

Marketing Coordination Specializes in organization.

Loves to read.

John Nicholls Sales Associate/Property

Management Loves real estate.

Showing Desk Coordinators

The Coldwell Banker Vanguard staff is

available 7 days a week to schedule showings on

your home.

Katrina Proulx Licensed Listing

Coordinator/ Sales Associate

Loves her dogs!

Meet the Team!

Sherri Bankston Licensed Assistant. Loves reading and her grand-dog.

• We will hold your interest paramount at all times and pledge honesty and truthfulness in all

dealings.

• The service you receive from me will be caring, compassionate and timely. We will listen to

your needs and concerns and will treat them as if they were my own.

• We will provide advice and counsel regarding your sale, including information and input about

price and suggestions to enhance salability.

• We will be positive and enthusiastic about your property and promote it vigorously

throughout our personal networking sources as well as within all other marketing avenues.

• We will keep you informed on a weekly basis and will provide you with updates of current

market activities that affect your property, reports on other agent showings, and the status of

our marketing efforts.

• We will answer your phone calls the same day, assist in finding answers to your questions,

and find solutions for you.

• We will advise you and then negotiate on your behalf with potential buyers to secure the best

price.

• We will follow through from now until closing---and beyond; we will be with you every step

of the way in this process. If there is an issue with any aspect of the transaction before or

after the closing, we will do all in our power to assist you in finding a solution.

• You have our promise that your real estate experience with Team Knapp will be as seamless

as possible. We will follow up and do all we say we will do, that is why we put it in writing!

As you know, many Real Estate agents are unwilling to offer this level of service. We choose to

perform this way because we truly believe that when someone receives this type of personal service

they feel compelled to refer the people they care about to such a professional.

I am that professional, and I want to be your REALTOR---for life.

We believe our success depends on your success.

When you win, we win.

O ur C om mi t me nt to You

H ow Sh o u ld You C hoos e You r Re a l -

I f yo u a re s e l l i n g a ho m e , you o we i t to yo u r s e l f to c ho o s e t he

b es t Rea l to r ® f o r t he jo b . A l l r e a l e s t a t e a g e n t s a r e n o t t h e

s a m e . Yo u w a n t a g rea t Rea l to r ® , o ne w ho ha s be en i n t he

b us i nes s a l o ng t im e a nd ha s t he s a l e s num b er s to ba ck t ha t up ;

W h a t t o L o o k f o r i n a n A g e n t

S o m eo n e wh o yo u ca n co m m u n i ca t e w i t h co m fo r t a b l y a n d ea s i l y .

S o m eo n e wh o k n o ws yo u r n e ig h b o r h o o d we l l .

S o m eo n e wh o h a s a g o o d m a r k e t i n g p l a n t h a t w i l l r ea ch b u ye r s .

S o m eo n e wh o h a s ‘ b a ck - u p ’ , p r e f e r a b l y a t ea m wh o a r e a l l f a m i l i a r w i t h

Q u e s t i o n s t o A s k d u r i n g a n I n t e r v i e w w i t h a

R e a l t o r ®

H o w m a n y ye a r s h a ve yo u b e e n i n re a l e s t a te ?

W h a t i s yo u r r a t i o o f l i s t i n g p r i c e to s a l e s p r i c e ?

W h a t a re t h e a ve r a g e n u m b e r o f d a y s yo u r l i s t i n g s a re

o n t h e m a r ke t b e f o re s e l l i n g ?

W h a t w o u l d b e yo u r m a r ke t i n g p l a n f o r m y l i s t i n g ?

Wo u l d yo u h a ve a d v i c e f o r m e a b o u t t h e c o n d i t i o n o f

Less than 3% of all Real Estate Agents worldwide are CRS designated

Kim Knapp, REALTOR®, CRS

904.334.7425

Kim@TeamKnapp.com

The Certified Residential Specialist Designation, or CRS is the proven path to success in residential real estate. REALTORS® who have earned this credential did so by completing extensive training and by demonstrating significant experience in managing real estate transactions. Less than 3 percent of the more than 1 million REALTORS® working today can call themselves a CRS Designee. This group represents the elite performers in residential real estate.

Buying real estate is a complex matter at the best of times, given that there are so

many factors to consider and no two homes or transactions are alike. However,

with all the unique opportunities and potential pitfalls of the current market, it’s

even more important for you to choose a Realtor® that can guide you through

the property search, financing, negotiation and transaction processes, who knows

the local market and has the experience and track record to back it up.

Choose one of the Top Agents in the Country.

Kim Knapp was named one of the top 1000 National Agents, by the Wall

Street Journal and REAL Trends ~ Best Real Estate Agents in America in

the 2013 national ranking report produced by Real Trend and has been

nominated for the 2014 report.

"I am very honored to be on this list. It

really represents the attention we place

on customer service. You cannot

achieve the consistent level of sales we

have over the years without a customer

focused business."

Choose a Name You Know. A Brand You can Trust.

C B V M a r ke t Pe ne t r a t i on

CLAY COUNTY

1/1/2014 thru 12/31/2014

28%

1. CBV FI - $123,149,971 (602)

1. CBV FI - $53,171,573 (261)

TOP Offices - Entire MLS

We Are #1 in

NEFAR MLS

in Clay

County!

O n - L ine M a r ke t i n g

N i n e i n 1 0 H o m e

B u y e r s U s e t h e

I n t e r n e t t o S e a r c h f o r

H o m e s .

St a r t w i t h P rof e s s i o n a l P h o to g r a p h y

These are the same house!

You only get one

chance to make a first

impression!

Your H o me s F i r s t Show in g i s O n l i ne

We

“I didn't really realize what a great presentation you made on our house until I looked at a bunch of

houses in Texas. ” ~ Ken & Betty Hodges

50% of all Real Estate Searches are

done on a Mobile Device

We’ve got that Covered!

T he Le a d e r s i n M ob i l e C o ve r a g e

I n te r ne t D i s t r i b u t io n

Yo u r h o m e w i l l b e p l a c e d o n

d o z e n s o f R e a l E s t a t e S e a r c h s i t e s

I n te r ne t M a r ke t i n g

Internet exposure is KEY these days to selling your

home. We will expose your home all over the world.

We are everywhere you want to be when you are

“From staging and gorgeous photography at the beginning to facilitating inspection repairs at the end,

[Kim’s] team did it all.” ~ Robert & Mary Morales

T he i r I n te r ne t M ar ke t i ng

How Basic Listings Hurt Sellers

P r e m i e r P l a c e m e n t o n Re a l to r. co m

OUR SELLERS STAND OUT

“...have already recommended [Kim] to friends.” ~ Justin and Susan Mirgeaux

P r e m i e r P l a c e m e n t o n Tr u l i a

Trulia.com has more than 23 million visitors to their site every month.

Of those 42% are prequalified for a mortgage—that means buyers!

P r e m i e r P l a c e m e n t o n Z i l l ow

Approximately 9 million people zoom to ZILLOW each

month!

7 Million people visit Yahoo

Real Estate, which is now fed by

Zillow!

Marketing for your home on

these sites includes:

Multiple photos

Creative home description

Pricing information

Open House details

As Zillow’s #1 Agent in Clay County, Kim Knapp’s Featured

Listings are moved to the top of search results. On average,

Featured Listings generate 3x more traffic from Buyers!

“...Ron & I are still amazed at how quickly our home sold in Magnolia Point... Thanks again for all you

and your staff did to help us.” ~ Judy & Ron Burka

I n te r ne t M a r ke t i n g

Coldwell Banker On Location is the dedicated

video real estate channel on YouTube.

I n te r ne t M a r ke t i n g

Re f e r r a l N e t wo r k

$105 million in relocation

sales in 2012!

Connecting You To

The World Of Buyers

$229 million in relocation

sales in 2014!

CARTUS is the world's leading employee relocation network.

So c i a l M e d ia

So c i a l M e d ia

L e t ’s Ta l k A b o u t T h a t !

T ha t ’s w ha t yo u w a n t - Yo u r L i s t i ng be ing s ee n a nd t a l ke d a bo ut !

Te a m K n a p p’s A l l O v e r I t !

V i r t ua l Tou r s

Buyers love pictures and Relocating buyers,

really love pictures! Since the first “showing” is

on-line, we provide plenty for them to see!

Team Knapp will help you stay ahead of your competition. We put your

property in front of more online buyers.

Your High Quality Tour is Distributed to all Premier sites.

Exclusive to Team Knapp ~ Print Marketing

Exclusive to Team Knapp ~ “Fletter” Marketing

Part 3

Part 2

Part 1

Target Marketing

St a y I n f o r me d

M L S C l i e n t P o r t a l - Yo u r O w n M L S

A c c o u n t

A f te r yo u r l i s t i n g i s s e t- u p a n d l i v e o n t h e M L S , we w i l l

c re a te a n a c c o u n t f o r yo u w h i c h w i l l g i ve yo u t h e a b i l i t y

“Kim and her entire support team were amazing from start to finish. We were buying a foreclosure long distance, and

the process was great. Kim was always willing to talk and was quick to respond.” ~ JT & Brittany Pianetta

Sh o w in g F e e d ba ck

You need to know what potential buyers are saying about your

home. I will provide you with showing feedback regularly.

Let’s Get Started!

So You Can ~ Start Packing!

F i ve C r i t i c a l E l e me nt s of a Sa l e

This is the number one factor in the sale of your home. Our sales and

marketing program provides exposure to a large segment of potential

buyers. The actual market value is then determined by what a buyer is

willing to pay.

The second most important factor in the buyer’s mind is location. The

proximity to area amenities and schools is typically a concern. In addi-

tion, street traffic, proximity to expressways and public transportation

are considerations.

Buyers look at the structural and mechanical integrity as well as the

upkeep and cosmetic appeal of a property. Neutral décor, including

floor and wall covering, appliances and fixtures, offer the broadest

appeal to potential buyers.

Interest rates, competition from other properties, the economy and

consumer confidence all influence the sale of your home. Each of these

factors is beyond our control, so we must respond to these conditions

with the appropriate marketing and price considerations.

The terms of a sale can make or break the contract. House sale contin-

gencies, closing dates, and exclusions of accessories or fixtures should

always be handled clearly up front in order to avoid any confusion that

could affect the sale.

P r i c i ng You r H o m e

FACTORS THAT DON’T AF F E C T THE VALUE OF YOUR PROPERTY

M ore on P r i c i ng I t R ig h t

I Will Help You Position Your Home Effectively

Price is a RANGE

Don’t believe anyone who has the RIGHT PRICE

The objective is to get to the top of the RANGE

“You showed us how to price our house to sell; you helped us set a number that was reasonable to ask

for. That worked out great! ” ~ Ken & Betty Hodges

T he P r i c e i s … N o t Up to You

Positioning Your Home Successfully Requires a

Proven Strategy.

A b out P r i ce

Your M o n ie s Wor t h . . .

How many days per week should your real estate agent take calls & answer emails? 4, 5, 7 days? How many hours per day should your real estate agent take calls

& answer emails about your listing? 6, 8, 12 hours? If your answers are 7 & 12, then you are right! That’s what it takes to successfully market and sell homes.

Ever wondered about a Realtor’s commission? Where it goes? Who’s really getting that commission percentage?

Are you getting your monies worth?

Choose a reputable Realtor with the experience and history to back it up. Choose a Name you know, a Name you can Trust.

Or, think about it like this…

1. Remove clutter and clear off counters. Throw out stacks of newspapers and magazines and stow away most of your small decorative items. Put excess furniture in storage, and remove out-of-season clothing items that are cramping closet space. Don’t forget to clean out the garage, too. Remove anything with eyes, i.e., pictures, magnets, nic-nacs, etc. - it’s hard for a buyer to picture themselves when they see other faces everywhere. 2. Wash your windows and screens. This will help get more light into the inter ior of the home. 3. Keep everything extra clean. A clean house will make a strong fir st impression and send a message to buyers that the home has been well-cared for. Wash fingerprints from light switch plates, mop and wax floors, and clean the stove and refrigerator. Polish your doorknobs and address numbers. It’s worth hiring a cleaning service if you can afford it. 4. Get rid of smells. Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. Open the windows to air out the house. Potpourri or scented candles will help. 5. Brighten your rooms. Put higher wattage bulbs in light fixtures to br ighten up rooms. Replace any burned -out bulbs in closets. Clean the walls, or better yet, brush on a fresh coat of neutral color paint. 6. Don’t disregard minor repairs. Small problems such as sticky doors, torn screens, cracked caulking, or a dr ipping faucet may seem trivial, but they’ll give buyers the impression that the house isn’t well-maintained. 7. Tidy your yard. Cut the grass, rake the leaves, add new mulch, tr im the bushes, edge the walkways, and clean the gutter s. For added curb appeal, place a pot of bright flowers near the entryway. 8. Patch holes. Repair any holes in your dr iveway and reapply sealant, if applicable. 9. Add a touch of color in the living room. A colored afghan or throw on the couch will jazz up a dull room. Buy new accent pillows for the sofa. 10. Buy a flowering plant and put it near a window you pass by frequently. 11. Make centerpieces for your tables. Use br ightly colored fruit or flowers. 12. Set the scene. Set the table with fancy dishes and candles, and create other vignettes throughout the home to help buyers picture living there. For example, in the family room you might display a chess game in progress. 13. Replace heavy curtains with sheer ones that let in more light. Show off the view if you have one. 14. Accentuate the fireplace. Lay fresh logs in the fireplace or put a basket of flowers there if it ’s not in use. 15. Make the bathrooms feel luxurious. Put away those old towels and toothbrushes. When buyers enter your bathroom, they should feel pampered. Add a new shower curtain, new towels, and fancy guest soaps. Make sure your personal toiletry items are out of sight. 16. Send your pets to a neighbor or take them outside. If that’s not possible, crate them or confine them to one room and let the real estate practitioner know where they’ll be to eliminate surprises. 17. Lock up valuables, jewelry, and money. While a real estate salesperson will be on site dur ing the showing or open house, it’s impossible to watch everyone all the time. 18. Leave the home. It’s usually best if the sellers are not at home. It’s awkward for prospective buyers to look in your closets and express their opinions of your home with you there. 19. Leave the lights on!

Simple Tips for Better Home Showings

First Impressions Are Lasting!

When Potential buyers approach in their cars, they make their first decision; whether or not to STOP and look inside. Therefore, a neat, attractive yard entices a buyer to view your house. Please carefully evaluate every aspect of the property’s exterior and the interior as well. A Few Suggestions for the Exterior: Keep your yard mowed, raked, fertilized, and watered. Remove all toys, bicycles, tools, unsighly patio furniture, trash items, debris, etc., from your yard. Trees and shrubs should be pruned and trimmed. Lawns and gardens should be weeded regularly. All hoses and garden equipment should be out of sight. Outdoor furniture should be kept clean and/or repainted if needed. Stack firewood out of sight. Walkways and driveways should be clear of debris. Make sure that walkways, driveways, and curbsides

are trimmed with edge trimmers. Paint your mailbox if needed. Ensure that your street number is legible. Ensure that the doorbell is in good working order. Make sure that all entrance doors - front, storm and screen - are in excellent condition. If not, replace

them if possible. Again, this is the firt impression the buyer will have of the property. Lighting and clean-liness are especially important.

A Few Other Suggestions for the Interior: Completely “declutter” the house. Pick up unnessary items from counters, floors, and stairs. Remove all smoke, pet, and hobby odors from the property. Clean all ight bulbs, light fixtures, and chandeliers sos that the property is brighter. Vacuum and shampoo all carpets. If the carpet does not clean up well, you may want to consider replac-

ing it. Use a neutral color, or remove the carpt if hardwood floors underneath are in good condition. Remove any posters and adhesives from walls and doors. Putty and paint any holes that result from nails

or other mishaps. Clean or paint the baseboards in every room. Remove all cobwebs. Repair or replace broken tiles on walls or floors in showers.

Put Your Property’s Best Face Forward!

CLEAN ⟡ CLEAN ⟡ CLEAN

T h e Roa d to G e t t i n g You r H om e on t h e M arke t

Step 1: Home Staging

First Impressions are everything and you only get one chance to make a good one! Have you no-

ticed that brand new homes seem to sell no matter the market? That's because builders create beautiful

model homes with strong visual and emotional appeal. Buyers are drawn to these fresh, well-decorated

and well-maintained homes. The goal is to present your home at its very best in order to sell quickly

and for the highest price. (See the Guide to Home Staging for more information)

Step 2: Schedule Photography

Remember, the first “showing” of your home will likely be on-line so photographs mean every-

thing! The National Association of Realtors stated in a 2010 study that 84% of homebuyers said that

photos and detailed property descriptions are the most important feature when searching for homes on

-line. Everyday buyers make decisions about which homes to see and - which to skip – If you can’t get

them in the house then you can’t sell the house… In this case, pictures are worth a lot more than a thou-

sand words – (think dollars!)

Step 3: Confirm Homeowners Association Information

Step 4: Research Covenants & Restrictions

Step 5: Coordinate Showing Instructions

Step 6: Test Key on Door and Place Lockbox

Step 7: Place Sign in Yard

Step 8: Enter Listing into Multiple Listings System (MLS)

a. Confirm geo-tag for address mapping

b. Confirm all details and features (over 100 fields)

c. Create description that sells

d. Confirm tax records and attach to listing

e. Confirm directions to property

f. Upload documents – HOA Disclosure, Survey, Floorplan, Sellers Disclosure, Covenants & Re-

strictions, Special Features Sheet (if needed)

Step 9: Edit and Upload Professional Photos

Step 10: Syndicate Listing to Over 500 Websites

“Just perfect! Team Knapp knows their business. They do exactly what they promise. We had more showings in 3 days!

after we signed up with Team Knapp than in 7 weeks with our previous realtor. Kim Knapp sold the house in under a

week, and took care of everything.” ~ Sascha Balzer

What is a Short Sale?

A short sale in real estate is not always a pleasant transaction. There are many ways to lose a home but signing away ownership in a manner that destroys credit, embarrass-es the family and strips an owner of dignity is one of the hardest. For owners who can no longer afford to keep

mortgage payments current, there are alternatives to bankruptcy or foreclosure proceedings. One of those options is called a "short sale." When lenders agree to do a short sale in real estate, it means the lender is accepting less than the total amount due. Not all lenders will accept short sales or discounted payoffs, especially if it would make more financial

sense to foreclose; moreover, not all sellers nor all properties qualify for short sales. If you are considering buying a short sale, there could be drawbacks. For your protection, I suggest that all borrowers: Obtain legal advice from a competent real estate lawyer Call an accountant to discuss short sale tax ramifications

As a real estate agent, I am not licensed as a lawyer nor a CPA and cannot advise on those consequences. Except for certain conditions pursuant to the Mortgage Forgiveness Debt Relief Act of 2007, be aware the I.R.S. could consider debt forgiveness as income, and there is no guarantee that a lender who accepts a short sale will not legally pursue a bor-rower for the difference between the amount owed and the amount paid. In some states, this amount is known as a deficiency. A lawyer can determine whether your loan qualifies for a deficiency judgment or claim.

Although all lenders have varying requirements and may demand that a borrower submit a wide array of doc-umentation, the following steps will give you a pretty good idea of what to expect. Call the Lender

You may need to make a half dozen phone calls before you find the person responsible for handling short sales. You do not want to talk to the "real estate short sale" or "work out" department, you want the super-visor's name, the name of the individual capable of making a decision.

Submit Letter of Authorization

Lenders typically do not want to disclose any of your personal information without written authorization to do so. If you are working with a real estate agent, closing agent, title company or lawyer, you will re-ceive better cooperation if you write a letter to the lender giving the lender permission to talk with those specific interested parties about your loan. The letter should include the following:

Property Address Loan Reference Number Your Name The Date Your Agent's Name & Contact Information

“Laci did a wonderful job of assisting us with purchasing a short sale home.” “...short sales are notorious for being difficult

purchases.” There were several times during the purchase where [we] were very frustrated or confused. Laci was terrific with

educating us, being considerate of our frustrations, and holding our hands at times.” ~ Allison

Loan Reference Number Your Name The Date Your Agent's Name & Contact Information

Preliminary Net Sheet

This is an estimated closing statement that shows the sales price you expect to receive and all the costs of sale, unpaid loan balances, outstanding payments due and late fees, including real estate commissions, if any. Your closing agent or lawyer should be able to prepare this for you, if you do not know how to calculate any of these fees. If the bottom line shows cash to the seller, you will probably not need a short sale.

Hardship Letter

The sadder, the better. This statement of facts describes how you got into this financial bind and makes a plea to the lender to accept less than full payment. Lenders are not inhumane and can understand if you lost your job, were hospitalized or a truck ran over your entire family, but lenders are not particularly empathetic to situations involving dishonesty or criminal behavior.

Proof of Income and Assets It is best to be truthful and honest about your financial situation and disclose assets. Lenders will want to know if you have savings accounts, money market accounts, stocks or bonds, negotiable instruments, cash or other real estate or anything of tangible value. Lenders are not in the charity business and often require assurance that the debtor cannot pay back any of the debt that it is forgiving. Copies of Bank Statements

If your bank statements reflect unaccountable deposits, large cash withdrawals or an unusual number of checks, it's probably a good idea to explain each of those line items to the lender. In addition, the lender might want you to account for each and every deposit so it can determine whether deposits will continue.

Comparative Market Analysis

Sometimes markets decline and property values fall. If this is part of the reason that you cannot sell your home for enough to pay off the lender, this fact should be substantiated for the lender through a

comparative market analysis (CMA). Your real estate agent can prepare a CMA for you, which will show prices of similar homes:

Active on the market Pending sales Solds from the past six months.

Purchase Agreement & Listing Agreement When you reach an agreement to sell with a prospective purchaser, the lender will want a copy of the offer, along with a copy of your listing agreement. Be prepared for the lender to renegotiate commissions and to refuse to pay for certain items such as home protection plans or termite inspections.

Now, if everything goes well, the lender will approve your short sale. As part of the negotiation, you might ask that the lender not report adverse credit to the credit reporting

agencies, but realize that the lender is under no obligation to accommodate this request. Credit report status is not always negotiable.

F o re c l o s u re a n d S h o r t S a l e P ro ce s s

O ur Se r v i ce Sp e a ks F o r I t s e l f

A n d T h e n S o m e . . .

Creating Customers For Life

Our business at Team Knapp is built on creating one satisfied customer at a time & being your realtor for Life! Our goal is that after the transaction you will be so pleased with our service you will feel confident referring us to family and friends.

“I wanted to sell my house and I wanted to use the agent that had the best sales record. I did the research. Collected data on homes

sold in my area in the past three years (I found data on 92 homes). Among other data I logged the listing agent, date listed, date

sold, original listed price and final sold price. I used Excel to summarize the results. Kim Knapp and her team sold homes

quicker than all other agents. Kim and her team also had the highest average percentage sold price compared to

original listed price. I contracted Kim and her team and quickly discovered why she had the best results of all the other agents.

Team Knapp staff includes a professional staging consultant that provided detailed, room by room recommendations to properly

stage my house. I followed those recommendations and the result was amazing. The house looked like a model! Kim sent a

professional photographer to take the pictures for the listing. He used very high quality equipment and took a LOT of pictures,

including pictures from a drone mounted camera for some of the outside shots. The result was a listing with large, very high

quality, clear, focused and properly lit pictures of every room and all outside areas of the house. An interactive virtual tour was

included that allowed prospective buyers to select which rooms and areas to walk through just as they would when actually on the

premise. Kim and her team use scheduling and document management systems that insured there were no delays throughout the

entire process. Conclusive results, Kim listed my home and I received a full price offer in less than a month!

Professional service with outstanding results! Plus Kim and her whole team are really nice people!” ~ Lance Garret

3168 Hwy. 17 S., Suite A Fleming Island, FL 32003

904.334.7426 TeamKnapp.com