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Your Guide to

Home Ownership

presented to Roger & Deborah

Knowledge, Experience, Professionalism

Dear

Roger & Deborah


Buying a home is a rewarding adventure and we're so happy to have the opportunity to bring your real estate dreams to life! In doing so, we aim to instill knowledge and confidence in all our buyers while helping them successfully navigate through every step of the process.

In the following presentation, you’ll be provided an outline of everything you need to know from consultation to handing over the keys. My mission is to deliver world-class customer service and a winning experience.
Sincerely,

Joesef Jackson

- you're in great hands -

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Meet

Joesef Jackson

Your Dream - My Mission

Joesef Jackson is a trusted real estate expert, guiding both buyers and sellers through every step of their real estate journey with skill and dedication. Clients consistently rely on Joesef to manage every aspect of the process, from initial consultation to closing, knowing that his expansive network, proven marketing strategies, and personalized approach will ensure a successful transaction. His commitment to exceeding client expectations is reflected in his attention to detail, industry knowledge, and ability to craft tailored solutions for every situation.

With over two decades of experience in the real estate industry, Joesef has earned a reputation as one of the Central Coast's premier agents. His vast experience has not only sharpened his negotiation and market analysis skills but also cemented his role as a reliable advisor for his clients. He prides himself on delivering exceptional service, building lasting relationships, and helping clients achieve their real estate goals, whether they’re buying their first home, upgrading to a larger property, or selling a long-time residence.

Joesef’s accolades and continued recognition speak to his success in the field. Year after year, he is recognized as a top performer, not only for his outstanding sales achievements but also for his dedication to client satisfaction. He understands the importance of staying current with market trends and continually evolving his approach to offer cutting-edge marketing strategies, making him a leader in the local real estate market.

For Joesef, real estate is about more than transactions—it’s about building trust, fostering relationships, and helping people find the perfect place to call home. His passion for delivering results, combined with his deep understanding of the Central Coast market, makes him a true asset to anyone looking to buy or sell in the area. Whether working with first-time homebuyers, seasoned investors, or long-time residents, Joesef’s goal is always the same: to exceed expectations and make the real estate experience as seamless and rewarding as possible.
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Proven Track Record

Service

Provide great customer service by building bonds with clients that lead to long-term relationships where I truly care about their needs.

Knowledge

By pursuing excellence in my expertise as an agents I can better service my clients and lead them to home ownership in a smooth and easy process.

Integrity

Be ethical in all you do and communicate with honesty while paying attention to the details of each and every client, agent, and transaction.

Processes

1

Consultation

We’ll sit down together and help you determine your needs wants and goals while offering my personal industry expertise and strategies for bringing your vision to life.
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2

Pre-Approval

Getting pre-approved will help you know exactly what you can afford so you can confidently focus on the right homes. Plus, it shows sellers you’re serious, giving you an edge when making an offer.
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3

Property tours

After you have reviewed and selected which homes you want to tour, we get to go shopping! This is where you can start figuring out what you really want in your new home.
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4

Write offer

Once we find the home of your dreams, we'll submit an official offer - including but not limited to sale price, inspection contingencies, and closing costs. The seller then has time to accept, reject, or counter your offer.
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5

Under Contract or Escrow

With your offer accepted, we enter a 30-day Escrow period. This involves a neutral third party company that holds funds while conducting a thorough underwriting process to ensure all aspects of the contract are upheld properly
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6

Appraisal

The appraisal is ordered by your lender to protect their investment. They have their own checklist of things they look at for the final approval to move forward. The appraiser can demand repairs completed by the seller before they will give their approval.
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7

Inspections

Now that you've found your home we need to order the inspection. The inspection will let you know what repairs are needed, some are minor and some may be safety issues. Don't worry, you are still protected.
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8

Closing

Congratulations! You now own a home and can get moved in. It's time to celebrate and have your housewarming and show off your home. We will be standing by to answer any questions you may have about home-ownership and have a list of contractors if the need arises.
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Exceptional reviews that reflect a pattern of excellence with my past clients.

Raving Reviews

"Throughout the entire process of looking for a home, Jossef was the rock through it all. He was patient, knowledgeable and the voice of reason. He explain things so that I understood them. Finding a home wasn’t easy and I went through 4 realtors until I found Jossef. I reached out on a Thursday and we had an offer accepted on the following Sunday. It is because of him that my family and I are comfortable in our new home."
A. Pollard - Atascadero
"Joesef recently helped us purchase a 2nd home in SLO, he went above and beyond to make it a really fantastic experience for us. The transaction had some unusual complications that he went out of his way to help us navigate. Being from out of area his local knowledge was invaluable. I wouldn’t hesitate to work with him again, he is now our guy in the SLO area".
B. Evens - SLO
"Joesef Jackson is a seasoned professional that brings a huge level of pride of ownership to his business. He is a fantastic communicator, very pragmatic, has very high business acumen and is an all around pro at what he does. He’s someone we choose in a pretty high stakes process of selling our multimillion dollar home and then helping us close on another multimillion dollar home. My wife and I have worked with many realtors and brokers over the past and simply put, Joesef was the best. His marketing efforts put our home in the absolute best light possible, combined with an equally strong social media presence. He’s a solid negotiator and advisor that boasted a humbleness that’s sourly missed by most other people in this field. We cannot recommend his services higher."
                       J. Damron - SLO
"I highly recommend Joesef. We began our home search 3 years ago when we were in no way ready to purchase a home. Joesef was so patient with us as we came and went from looking at homes. He never pressured us or seemed irritated that we weren't immediately ready to purchase. When we finally were ready, he was very helpful, setting us up with a local lender who was amazing and made the process refreshingly easy. He gives fantastic advice and tailored the homes we visited to our specific criteria. Most of all, Joesef was fun to work with, always up-beat and enjoyable to be around. Joesef made the experience personal and did his best to accommodate all our unique needs, including working hard to close our escrow as soon as possible since we're expecting a new baby in a few weeks. Thank you so much, Joesef, we absolutely LOVE our new house!!!!"
                     O. Hanna - Atascadero

Review has been shortened using AI, click the review to read the full review.

Loyalty

This custom presentation that I’ve shared with you is an example of the care and effort I put into each client. I recognize that this purchase is one of the largest financial transactions of your life and it deserves careful consideration and wise planning. In light of this, I feel strongly that mutual respect and understanding are key components of me helping you accomplish your real estate goals.

Reviewing each others roles and responsibilities as we embark on the next steps of your home-buying journey is how we can decide if we are ready to be loyal to one another.
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Starting August 17th, 2024

It is required to complete and sign a written agreement before showing a home. This applies to buyers requiring the services of any licensed agent in the U.S. to visit a property.
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By Signing the Agreement to Partner with an Agent

I'm dedicated to you and committed to finding a home that meets your needs.
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With a proven track record

I have the knowledge and experience to be the BEST asset in your real estate endeavors.

Signing a Touring Agreement, Buyers Broker Agreement

  • This is an agreement to engage with a professional real estate agent to consult, show homes, negotiate contracts, and advocate.
  • It will establish the length of the agreement
  • It shows the agent/broker's services and responsibilities
  • It explains the agreement's exclusivity between Broker and client, what fees are owed for services rendered, and how to terminate the agreement. It mentions additional fees if the buyer signs with more than one agent.
  • It provides a clear explanation of the various ways an agent can be compensated for their services to the Buyer.
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105 More Ways

Agents Who Are Realtors ® Are Worth Every Penny Of Their Compensation.

Here’s a look at all the things – big and small – that a REALTOR ® may do to help clients when buying a home.

Counseling Session Activities

  • Prepare the buyer for executing a buyer representation agreement
  • Explain agency relationships to the buyer and get state required legal consent to represent, if needed
  • Inform the buyer of working relationship based on state law, the REALTORS® Code of Ethics, and the broker’s business policies

Building a Relationship

  • Learn the buyer’s wants and non-negotiable needs
  • Understand the buyer’s budget and what will be needed financially
  • Help the buyer understand what property their chosen budget will buy
  • Consider having the buyer fill out a homebuyer’s checklist
  • Assist the buyer in examining how much they can afford to spend
  • Provide quality lender resources
  • Partner with the buyer to locate suitable properties for consideration
  • Match the buyer’s needs with available property
  • Constantly re-evaluate buyer’s needs and refocus property showings to fit those needs
  • After ensuring the buyer understands what is done for them, how it is done,and the benefit to them, obtain signatures on the buyer representation agreement
  • Explain how compensation is paid, who pays it, and what the buyer’s options are for paying it

Educating the Buyer

  • Communicate the working relationship based on state law, the REALTORS® Code of Ethics, and the broker’s business policies
  • Explain Federal and State Fair Housing laws
  • Explain what to look for in applicable property disclosures
  • Reassure the buyer that their personal information will remain confidential
  • Inform the buyer that you will always disclose all known material defects
  • In accordance with state law, provide information on checking the sex-offender registry and crime statistics for the neighborhood
  • Discuss available resources that the buyer can check to learn more about prospective neighborhoods
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REALTORS® are members of the National Association of REALTORS®

Preparing the Buyer

  • Explain the timeline for house hunting, mortgage approval, and closing
  • Explain the local market and how it impacts the buyer
  • Show statistics on what percentage of list price sellers in the area are currentlyreceiving
  • Inform the buyer on what home features are popular
  • Identify current average days on market
  • Share the dangers of using the price per square foot to figure home values
  • Explain the concept of absorption rate and how it impacts the buying process
  • Indicate current listing months of market inventory
  • Share estimated potential out-of-pocket costs to complete the transaction
  • Assist the buyer in analyzing the loan estimates
  • Qualify the buyer for financial ability to purchase
  • Help the buyer account for the complete costs of homeownership
  • Prepare lender for listing agent calls
  • Assist in comparing different financing options
  • Help the buyer select for viewing only those homes that fit their needs
  • Proceed in showing homes that fit the buyer’s must-haves
  • Caution the buyer on posting information to social media
  • Review the sample sales contract so the buyer is prepared when it comes time to make an offer

Showing Properties

  • Schedule showings and provide access to all listed properties as soon as they become available in their local MLS broker marketplaces
  • Educate the buyer on the immediacy of new listings appearing in their local MLS broker marketplaces and the lag time for them to appear on some websites
  • Collaborate with the buyer on properties they may have learned about through their sphere contacts
  • Research and assist on all unlisted properties the buyer wishes to see
  • Preview properties prior to showing if needed
  • Network with other agents to source properties not yet in their local MLS broker marketplaces
  • Contact homeowners in focus areas to see if they are considering selling
  • Set up an automated email alert system through their local MLS broker marketplaces that immediately notifies the buyer of properties that fit discussed requirements
  • Arrange a tour of areas, schools, and key points of interest
  • Provide resources containing neighborhood information on municipal services,schools, etc.
  • Inform the buyer of negative aspects like nearby venues or operations that may result in issues that could impact value
  • Collect and share any other vital information on available homes, remembering to follow all fair housing laws at all times
  • Check applicable zoning and building restrictions
  • Help the buyer decipher public property and tax information
  • Collect and share pertinent data on values, taxes, utility costs, etc.
  • Compare each property shown to the buyer’s wants and needs list and remind them of what they were looking for
  • Help the buyer narrow the search until the buyer identifies top choices

Negotiating Offers

  • Assist the buyer in getting the best property at the best price
  • Suggest that the buyer learn more about the neighborhood prior to makingan offer
  • Prepare a comparative market analysis (CMA) in advance of making an offer
  • Prepare the buyer to have the most attractive offer in the current marketplace
  • Explain common contract contingencies and include approved protective clauses in the purchase offer
  • Ensure that the buyer receives and understands all state and federally-required disclosure forms
  • Prioritize contract negotiation goals with the buyer
  • Help create a negotiating strategy
  • Use strategies such as an escalation clause to maintain a competitive offer
  • Prepare the buyer for a multiple offer situation and develop negotiation strategies
  • Write an offer that has a reasonable chance of being accepted
  • Recommend optional contingencies and explain the pros and cons of using them
  • Provide information on purchasing incentives that may be available
  • Discuss financing alternatives
  • Negotiate the buyer’s offers to arrive at the best price and terms
  • Utilize hyperlocal expertise and strong communication skills to assist the buyer in being the successful offer

Advocating for the Buyer and Facilitating the Close (Part 1/2)

  • Advocate for the buyer throughout the entire process
  • Encourage the buyer to fully investigate their options in terms of a home inspector, title company, appraiser, mortgage lender, and other services
  • Present a list of the types of required and optional inspections such as environmental, roofing, and mold
  • Review and discuss home inspection concerns
  • Negotiate repair requests from home inspection
  • Guide the buyer on meeting all contract deadlines
  • Assist in coordinating communications
  • Advise the buyer to review the settlement statement
  • Inform clients that they need to transfer utilities to the new residence
  • Schedule final walkthrough
  • Accompany the buyer on the walkthrough
  • Assist the buyer in questioning the appraisal report if it affects the financing
  • Confirm clear-to-close with the lender
  • Ensure all parties have all forms and information needed to close the sale
  • Remind the buyer of the location where the closing will be held
  • Confirm the closing date and time, and notify parties if there are changes
  • Gather all required forms and documents for closing
  • Explain flood insurance to the buyer
  • Explain title insurance to the buyer and refer to qualified insurance broker
  • Order any surveys needed

Advocating for the Buyer and Facilitating the Close (Part 2/2)

  • Order the appraisal
  • Order the title search
  • Confirm the status of the loan funding
  • Check addendums and alterations for agreed terms
  • Review the buyer’s closing statement to ensure accuracy
  • Explain wire fraud risks and remind clients to verify all wiring instructions before transferring funds
  • Double-check all tax, homeowners’ association dues, utility, and applicable prorations, if relevant
  • Request final closing figures from the closing agent (often an attorney ortitle company)
  • Receive and carefully review closing figures to ensure accuracy
  • Receive and carefully review title insurance commitment with the buyer
  • Advise the buyer to re-key their locks and to consider a one-time cleaning service or landscaping before moving day
  • Review documents with the closing agent (attorney)
  • Support the buyer in any final closing activities
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"Great customer service is not just about solving problems; it’s about creating opportunities." — Shep Hyken

I'm Here For You-

I'm sure you have questions and thoughts about the real estate process. I'd love to talk with you about the home we saw today and the path to buying your new home.

I look forward to working with you.
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www.SLOLifeRealtyGroup.com
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Thank you!

In everything I do, I'm driven to help others, because behind every transaction there is a vision, a goal, a dream waiting to come to life. In doing so, we bring our expertise, our instincts from years of experience, and my complete dedication to you.

This is only the beginning of an exciting journey to a bright and shining new future. And it's only the beginning of our commitment to servicing your every real estate need. Thank you for the opportunity to help you find your perfect home!
I'll be right there with you, every step of the way.