The Coffey Group Home Buyers Guide

(941) 404-4737 www.TheCoffeyGroup.com

HOME BUYERS GUIDE HOME BUYERS GUIDE

REAL ESTATE ISLAND LIFE

REALTY

SELECTING A REAL ESTATE AGENT

Once you are serious about buying a home, find a real estate agent you trust. A licensed real estate agent can provide you with a helpful information on homes and neighborhoods that isn’t easily accessible to the public. Their knowledge of the home buying process, negotiating skills, and familiarity with the area you want to live in can be extremely valuable. Also, did you know that the buyer does not pay for their agent’s service? The seller pays the agent’s commission! Why is it important to sign the buyer agent representation contract? The buyer’s agent contractually agrees to be an advocate for the buyer, to advise, to disclose all material facts about the property, to be reasonably available to the client, and to do everything within reason to get the sale to close, while protecting the buyer’s interest. Agents are instructed to present the Exclusive Buyer Agreement at their face to face meeting with a potential client.

TOP THINGS TO KNOW WHEN CHOOSING A REALTOR

INTEGRITY | Is this person honest, ethical, and respected in the community and industry?

KNOWLEDGE | Does this person have the ability to guide me through this entire process?

RESULTS | Does this person have a proven track record to give me confidence in achieving my desired results?

TRUST | Do I trust this person to genuinely represent me and my best interest?

GOOGLE | When I Google this person, what do I find?

TEAM | Does this person have a whole team of specialized professionals working together to serve me?

EXPERIENCE | Is this person a seasoned real estate expert?

PASSIONATE | Is this person’s passion for this industry evident? SERVICES | Does this person provide state-of-the-art staging, photography, client care, and marketing?

LOCAL | Is this person truly familiar with my market?

MEET THE TEAM THE COFFEY GROUP

THOMAS SONS DIRECTOR OF SALES

JULIE SNYDER LICENSED SALES ASSOCIATE

ALLA DANKANYCH DIRECTOR OF OPERATIONS

JANE ONTIVEROS DIRECTOR OF MARKETING

HILLARY LINARES CLIENT CONCIERGE

BRANDY LOEBKER | LICENSED BROKER & OPERATING PRINCIPAL Brandy believes the basic tenets of service should be knowledge, honesty, loyalty, and trust. Marked by this philosophy, and a high degree of work ethic, The Coffey Group has consistently been in the top 0.04% for overall sales volume for Sarasota and Manatee County. Keller Williams noƟced the success and felt the opportunity to own a Keller Williams brokerage was well deserved. Brandy has been an area resident in Sarasota for 40 years, licensed for 21 years, and is a local graduate of USF. Brandy holds mulƟple professional designaƟons including CerƟfied InternaƟonal Property Specialist, Accredited Buyer’s RepresentaƟve, and Licensed Real Estate Broker. Brandy conƟnually works with internaƟonal brokers through a referral network of members with her TransnaƟonal Referral CerƟficaƟon. She is a member of the InsƟtute for Luxury Home MarkeƟng and holds the CerƟfied Luxury Home MarkeƟng Specialist DesignaƟon and is a member of the Million Dollar Guild. Brandy was recently asked to be a Social Media Ambassador for Keller Williams Realty InternaƟonal. Brandy has established herself as an expert in the second-home and investment property market with her Resort & Second Home Specialist CerƟficaƟon and has earned the CerƟfied ResidenƟal Property DesignaƟon and is a CerƟfied AucƟon Agent. She is a NaƟonal AssociaƟon of REALTORS® Green Designee. Brandy is a CerƟfied Distressed Property Expert. Having processed countless short sales from 2006-2011, she has experience in foreclosures prevenƟon. Her mission is to help as many people as possible increase their net worth, and by doing so, she knows they will feel inclined to give back to their community. She feels everyone can benefit from working with a true Real Estate Professional Consultant. Brandy offers a 72Sold Program that creates an opportunity for you to see the highest offers from the best buyers in the market for your home in 8 days or less. Brandy specializes in Senior RelocaƟon Services. She is well versed in 1031 exchanges, DSTs, and Trusts. Her knowledge helps her in assisƟng clients in planning for their future. Brandy is the OperaƟng Principal & Broker for Keller Williams Island Life Real Estate & KW Suncoast. She felt Keller Williams was the perfect fit with the #1 training company in the world for her agents. Brandy takes a Ritz Carlton approach for client experience and owns Florida Suncoast Property management and Suncoast Repair & Remodel for residenƟal and commercial property to service all of her clients with their income-producing property needs in Southwest Florida. C & J Staging & Design was developed to showcase her properƟes in the best way possible in a compeƟƟve market. Brandy has partnered with a well-known Interior Designer, Joan Greenfield to ensure the best possible service for all of her clients’ design needs. Joan and Brandy own Coffey Group Interior Design. Brandy has joined KW Style to Design in order to provide a higher level of service with interior design, staging, and assisƟng her clients in renovaƟon projects when buying, selling, or staying in their home. Keller Concierge has helped streamline this process. KW Worldwide, KW Luxury, KW Sports + Entertainment, Next Move Military, KW Land, KW Planner, KW New Homes, & KW Commercial have allowed the team and her brokerage to form strategic relaƟonships with experienced agents across the globe. These relaƟonships have allowed the team and her brokerage to handle all of their client's real estate needs in any locaƟon with a concierge approach. Brandy owns Coffey & Company Coaching, a coaching company for business owners and real estate professionals. The purpose of this company is to coach and train companies on how to create the ulƟmate client experience, create brand awareness, and to increase their profit. Brandy is dedicated to helping others succeed and is passionate about serving her community. Brandy is the Chair of the Realtor AssociaƟon of Sarasota & Manatee County Charitable FoundaƟon, on the Board of Directors for the Realtor AssociaƟon of Sarasota & Manatee, on the Board of Directors for Florida AssociaƟon of Realtors, and the Luxury Ambassador for Keller Williams North Florida Region. Brandy was recently appointed to serve on Mote Marine Laboratory President’s Advisory Council.

OP, Keller Williams Island Life Real Estate and KW Suncoast Licensed Real Estate Broker ABR, CAA, CDPE, CDRE. CIPS, CLHMS GREEN, RSPS, TRC Team Line: (941) 404-4737 brandycoffey@thecoffeygroup.com www.thecoffeygroup.com

SPECIALIZING IN

+ Residential Sales + Seller Representation + Luxury Homes + Senior Services + Downsizing + New Construction + Lots & Land + Career Relocation + Military Housing + Distressed Properties + Commercial Sales + Investment Properties + Property Management + Rentals

MARKETING

NEGOTATIONS

OFFERS + RATIFICATION

INSPECTION

CLOSING + SETTLEMENT

APPRAISAL

DIVISIONS + PROGRAMS

@LUCIDOMARKETING Creative Division HOME ENHANCEMENT LISTING PROGRAM (H.E.L.P)

SILVER GROUP Senior Division

LUCIDO LUXURY COLLECTION Luxury Division BUILDER SALES + MARKETING Luxury Division LUCIDO COMMERCIAL Commercial Division

Update your home to appeal to the modern buyer and defer payment until settlement! LUCIDO LISTING BLITZ TM Our proven approach for listing and selling homes. Designed to strategically create a sense urgency and competition amongst buyers. LUCIDO BUSINESS BROKERS Our custom suite of services offered when buying or selling a business.

HEROES GROUP Military Division

S+E Sports + Entertainment Division

STAGED + STYLED

*CERTAIN DIVISIONS + PROGRAMS ARE CURRENTLY PRESENT IN SPECIFIC LOCATIONS.

Staging + Photography Division

LOCAL EXPERTS FROM COAST TO COAST IN THE NEIGHBORHOOD? SO ARE WE! We have Lucido agents who live and work in markets all over the country and in Canada, and Keller Williams partners in countries all over the world. So we can help you move anywhere you want to be!

Visit LucidoGlobal.com/locations to see all of our Lucido locations. BOB LUCIDO TEAM | LUCIDO GLOBAL | LUCIDO GLOBAL TEAM | LUCIDO GLOBAL CANADA

WHAT OUR CLIENTS ARE SAYING...

Highly likely to recommend |5.0 Bought a Single Family home in 2024 in Pinebrook, Venice, FL.

We purchased a property aŌer searching for 6 months and could not have been happier with our Coffey Group experience. Meagan West is a fantasƟc agent, friendly and very responsive. As we narrowed our search, she collected relevant property informaƟon and put everything on a spreadsheet, including links to HOA documents and local municipal websites, to help us make a final selecƟon. She conƟnued to make everything easy from the negoƟaƟon through closing. I highly recommend Meagan and the Coffey Group! - Keith & Stacey Argabright Karrie Beckmann helped us find our dream home in Florida. She is AMAZING!!! She stayed on top of the enƟre process, made sure that everything happened when it needed to and kept us well informed every step of the way. My wife and I heard from Karrie almost daily once the purchasing process was under way. We know for sure we could not have done this without her help. She is so professional yet so understanding and helpful. It was a painless process completely due to Karrie's diligence. If you are considering buying a home in the area, please use Coffey Group and consider asking for Karrie Beckmann to help you. - Tom Wolfe Brandy did the WORK it took to sell our specialty property. Found her very prompt and professional in her responses. She has great vision and insight in markeƟng. My Ɵme was not wasted by non qualified buyers. She has integrity! - Brad Grand

• Local knowledge • Process experƟse • Responsiveness • NegoƟaƟon skills

It was such a pleasure working with Thomas for our move to Venice, Florida. His knowledge of the area and the current market was most impressive and he followed our home needs to a tee. He was always available for quesƟons and ready to assist us when asked. We could not recommend him more, if anyone needs a great real estate agent, call Thomas!!! - johnkbutler13 Thomas Sons provided amazing service! He would research every home before we would even go out to look at them! He is knowledgeable, personable and professional. He actually listened to what we were wanƟng and helped us find the right home! We would absolutely recommend him to everyone! If you want someone that’s willing to bat for you, he’s your realtor! - Chicody & Nina Mays Brandy successfully and professionally sold our home and negoƟated the purchase of our new home, with both closings scheduled for the same day. A procedural issue on our buyer's end delayed closing and caused far more stress than expected but Brandy's experience and unwavering advocacy on our behalf brought it all together at the end. The window in which we had the chance to buy our current home was so incredibly narrow that we're sƟll amazed to be here - without hesitaƟon, we would recommend Brandy and would definitely ask her to be our agent again. - Mimi Steger We had an excellent experience with Brandy and Meagan when purchasing our home in Sarasota. Since we live out of state,having them represent us was incredibly helpful. Their professionalism, knowledge and experƟse is outstanding. Brandy and Meagan were both always available to answer quesƟons and accompany us to meeƟngs and walkthroughs with the builder. We highly recommend the Coffey Team for any real estate needs and know they will go above and beyond your expectaƟons! - Paul & Karen Hatch

ABSTRACT OF TITLE Report of title search by Abstractor for examination by Title Attorney AGREEMENT OF SALE Contract between buyer and seller for sale of real estate APPRAISAL Determination of value of property by licensed Appraiser CLOSING COSTS Costs of transferring property, legal fees, county/state transfer fees CLOSING DAY OR SETTLEMENT DAY Day of settlement, seller signs deed, buyer pays of property

CLOUD (ON TITLE) Unpaid tax liens, judgment liens

COMMISSION Fee for sale of real property

CONVENTIONAL MORTGAGE Mortgage loans not insured by FHA or guaranteed by Veterans Aairs

DEED Title to real property DEED OF TRUST

Security for mortgage loan which is a lien on deed

DEFAULT

Loan: Mortgage that is not paid Contract: When one party fails to adhere to the contract

MORTGAGE COMMITMENT Approval of loan after all information has been verified

DOWN PAYMENT Cash of payment toward purchase

EARNEST MONEY DEPOSIT (EMD) Purchaser’s deposit held in Escrow until settlement ENCUMBRANCE Property interest or lien on property

MORTGAGE NOTE Agreement to repay a mortgage loan

PREMIUM Fee paid by borrower to HUD to pay for cost of FHA mortgage insurance

EQUITY Owner’s interest in property over mortgage value and market value ESCROW Deposit account for earnest money held in trust until settlement

PRINCIPAL Mortgage loan balance owed

PURCHASE (OR SALES) AGREEMENT Contract of sales

QUITCLAIM DEED Deed transferring ownership from one party to another party STATE STAMPS Transfer taxes paid to state or county to transfer property TAX Fee levied by government against property owners TITLE Document of ownership of property TITLE INSURANCE Insurance property owner for claims against the title TITLE SEARCH Search land records for liens or encumbrances against the title

GRANTEE Buyer of property GRANTOR Seller of property

HUD ( Housing & Urban Development) U.S Department that enforces federal housing laws

INTEREST Charge paid by borrower to lender

LIEN Claim filed against deed on property fow money owed

MARKETABLE TITLE Title is free of liens/encumbrances

MORTGAGE Liens against property for which money is borrowed

Our team sells a home every 3 hours, so you can be confident that when we have the knowledge and experience to get the job done. When you buy or sell home with us, you get industry-leading services, strategies, tools, marketing, and technology from one of the top teams with the largest real estate company in the world. You’ll have our team of experts to help navigate the process in the most streamlined and personalized way possible - to achieve your goals and exceed your expectations. For us it’s not just about the transaction - because we strive to deliver the ultimate real estate experience. That’s the Lucido dierence.

Ready to make a move? Contact us today at

LucidoGlobal.com

@LucidoGlobal

LucidoGlobal.com |

BRANDY LOEBKER c: o: brandycoffey@thecoffeygroup.com www.TheCoffeyGroup.com 941.538.7240 941.404.4737 OP, Keller Williams Island Life Real Estate and KW Suncoast, Licensed Real Estate Broker ABR, CAA, CIPS, CLHMS, CDPE, CDRE, GREEN, RSPS, TRC

SINGLE AGENT VS. TRANSACTION AGENT WHAT IS THE DIFFERENCE?!

Be informed! Whether you have purchased or sold real estate in the state of Florida, know the statutes! This explanation is taken directly from the Florida Statutes. It is important to know the difference! Agents with The Coffey Group Fine Homes International only work for our clients as a Single Agent with Exclusive Broker Agency Agreement. Establish this relationship at the onset of your relationship with your Agent.

CLIENT QUESTION: Can a real estate sales associate transact business with a real estate sales associate working under the same broker if there is an established single agent relationship with the real estate sales associate's brokerage?

ANSWER: There are two forms of representation available under a Broker license held by a real estate professional according to Florida law: the Single Agent and the Transaction Broker. These two relationships entitle the buyer or seller to different upheld duties by the real estate professional. SINGLE AGENT A Single Agent is defined by Florida Statutes Chapter 475, Part I as a broker who represents either the buyer or seller of real estate, but not both in the same transaction . It is the highest form, providing the most confidence to the customer that the Realtor represents only the customer's interest.

THE DUTIES OF A SINGLE AGENT THAT MUST BE FULLY DESCRIBED AND DISCLOSED IN

WRITING TO A BUYER OR SELLER IN AGREEMENTS FOR REPRESENTATION INCLUDE

THE FOLLOWING:

• Dealing honestly and fairly • Loyalty • Confidentiality • Obedience • Full disclosure • Accounting for all funds

• Skill, care, and diligence in the transaction • Presenting all offers and counteroffers in a timely manner, unless a party has previously directed the licensee otherwise in writing • Disclosing all known facts that materially affect the value of residential real property and are not readily observable

REAL ESTATE ISLAND LIFE

REALTY

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FINANCING GUARANTEES

Low Rate Guarantee.

Don’t pay for a lender’s oce and overhead. We are direct to wholesale, and we pass the savings on to you. Lock and Shop Guarantee. Lock Your Rate While You Shop for up to 360 Days! Rate Buydown Guarantee. Knock 1% O Your Rate for the First Year with our 1-0 Buydown Product. Rate Protection Guarantee. If You Aren’t Happy with Your Mortgage, We Will Refi It at No Closing Cost to You. Same Day Approval Guarantee. Get Preapproved to Purchase within 24 Hours! 14-Day Clear to Close Guarantee. Close in 14 Days or Less, or We’ll Pay for Your Appraisal!

BUY WITH MOXIE,

OWN WITH CONFIDENCE

LIMITED TIME SPECIAL OFFER Moxie will contribute $1,000 towards your closing costs if you buy a home via VIP Buyer Program.

This is not a commitment to lend. All oers are contingent on using Moxie Mortgage to finance your purchase and on qualification per full underwriting guidelines. Oers may not be redeemed for cash and are non-transferable. Conditions and exclusions apply. You, as the client, are solely responsible for selecting your mortgage provider. These financing guarantees no longer apply should you select a mortgage provider other than Moxie Mortgage. Contact Moxie Mortgage for more information.

MOXIEMORTGAGE.COM NMLS# 1660690

FGS0.0124

MOVING DAY CHEAT SHEET A FEW WEEKS BEFORE 1 YOU MOVE Schedule a mover - the good ones tend to book up fast! If you don’t have one in mind, ask friends for recommendations or search online reviews. 2 Schedule a cleaning service to come after the movers, unless you plan to tidy up the home after the move yourself. 3 Transfer your utilities or schedule the disconnect of utilities and installation of new services. If you’re 4 Start getting rid of what you don’t plan to take with you. Start listing items for sale online or donating items. 5 Acquire packing boxes, packing tape, and some bubble wrap. See if any friends or local stores have boxes you can take o their hands for free. X X X

moving to a dierent city, since some cable companies get booked up weeks in advance. If possible shoot for cable/internet installation the day after the move since you’ll be so busy on moving day and your timing might be unpredictable.

6 Begin packing. Start with items you won’t need for a while, like winter clothes or books, and aim to pack a few boxes week

(or day) so the move doesn’t sneak up on you.

THE DAY BEFORE YOU MOVE

1 If you haven’t already, label to the boxes indicate which room at your new home each box should go into. You could also put stickers or masking ta on furniture to label where it should go.

2 Stock up on some bottled water and snacks like granola bars, to help fuel you and the movers on moving day.

3 If you don’t have any handy, take out some cash so you can easily tip the movers the next day.

5 Put some essentials,

4 If you have a pet, consider dropping

including a change of clothes, medicines, and travel-sized toiletries, in an overnight bag do you’ll have basic necessities on your first night at your new home. You’ll be pretty exhausted and probably won’t want to go digging through boxes for toothpaste or underwear.

them o with a friend or family member the night before the move so they’re not in the way risk of escaping the day of the move.

2 If you have a vehicle, consider putting breakable items and small valuables, like jewelry and important documents, in your car and transferring them yourself.

3 Pack up ot throw

4 Do a final

5 Keep an eye on the

ON THE DAY OF THE MOVE

1 Wake up well before the movers are scheduled to arrive and take a deep breath.

away any last-minute like toiletries or perishable food.

walk-through all cabinets and drawers to make sure you got everything.

movers to ensure your items are handled with care.

6 When you get to the new home, label any rooms that correspond to box labels that may not be obvious to movers (like if a bedroom and study could be mixed up) to ensure items go in the right place.

to guide you through your home buying process. While the process can seem daunting, rest assured, we are here to guide, educate, network, advocate and negotiate on your behalf. FOR THIS OPPORTUNITY Thank you

It’s what we do and we do it well!

BRANDY LOEBKER c: 941.538.7240

REAL ESTATE ISLAND LIFE

brandycoffey@thecoffeygroup.com

REALTY

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