1 2 3 OF HOME BUYING

Special Real Estate Report:

"The 1 2 3 of Home Buying, Made Easy"

By William M. Slaughter, P.C., REALTOR / Designated Broker

ABR, CRS, e-PRO, GRI, RECS, RFS, SRES

Congratulations! Buying your own home is one of the smartest financial decisions you will ever make. For most Americans, the equity that they build in their home is their biggest source of wealth.

I realize that buying a home can be a stressful undertaking. Whether this is your first home purchase or your twentieth, you want things to go as smoothly as possible with no last minute surprises.

This guide is designed to familiarize you with how the whole system works, and make you as comfortable as possible about the home buying process.

As your real estate agent, I will represent your best interests throughout the entire process.

The first step is to meet with the mortgage company to be pre-approved for your loan (unless you are paying all cash). This first step is very important for several reasons.

Once you are pre-approved, you can shop for your new home in confidence, knowing that you won't have any problems getting the loan.

Many buyers who skip this step and just go out house hunting are unsure and nervous when they find a home that they like, because they don't really know for sure if they will be approved for the loan.

Loan underwriters have specific rules and guidelines they must follow. Many would-be homebuyers have been dismayed and disappointed to find out 2-3 weeks after they enter a contract that the lender has turned them down.

Please realize that one of the biggest fears a home seller has is that they will enter a contract with a buyer, prepare to move, and then find out that the buyer didn't qualify.

When you get pre-approved first, we will obtain a letter from the loan company stating the amount that you are approved for. When shown to a seller, the letter makes the seller feel more comfortable, and will add more power for us in negotiations. Many of the best homes can have several offers on them at the same time from different buyers. Often, the buyer that can show that they are already approved for their loan will get the house.

The bottom line is that getting pre-approved for your loan first means stress-free home shopping AND more leverage with the seller!

You can use any lender you wish, but I do have a group of Bankers and Brokers that have assisted my clients on past transactions. I have total confidence in this group of professionals. They can meet or beat the interest rate and pricing of any other lender, plus you will never be at the mercy of someone neither one of us knows - just waiting around helplessly trying to find out the status of your loan.

The home buying process is quite complicated, and nothing will throw a wrench into things faster than a mortgage company that drops the ball.

You may have already met with the lender. If not, here is a general list of items you should bring to your Loan Officer.

1) W-2 (2 years) & current pay stubs
2) Past 2 years pay history for landlord/mortgage company
3) Employment information (2 year history)
4) All bank account numbers and balances
5) Last 3 month's bank statements
6) Open loans - names, addresses, account #, balances, monthly payments
7) All information on any other real estate loans
8) Drivers license or other photo ID
9) Check for credit report
10) Certificate of eligibility or DD214 (VA loan only)
11) Self employed: Last 2 year's complete tax returns, year to date Profit & Loss and Balance Sheet

The next step is for you to come into the office for your initial consultation. We will sit down and evaluate your situation, and determine if it is in your best interests to proceed with buying a home at this time.

If you decide to move forward, the next step is to complete the buyer-broker agreement that authorizes me to represent your best interests.

I can then assist you every step of the way. This includes advising you about the community and specific areas, values, trends, and helping you pick the home. I also will assist with the financing, structure the contract, and handle all the negotiations.

I also coordinate all of the details with the title/escrow company, mortgage company, appraiser, inspector, other real estate agents, etc. throughout the entire process.

You can rest assured that everything will be handled properly. Clients First Realty, LLC is a professional real estate organization, with over 20 top agents. We complete hundreds of real estate transactions each year, that total in the millions.

I, as your Accredited Buyer Representative (ABR) and Certified Residential Specialist (CRS), will be hired by you to represent your best interests. My Buyer/Broker fees are transaction generated and are normally charged to the Seller's proceeds at Close of Escrow. Sometimes there are special arrangements made, but usually, there are no up front charges regarding my compensations.

The next step is to determine the features and benefits that you are looking for in a home. We will review items such as:

PRICE RANGE
AREA
STYLE
SIZE
1 OR 2 STORY
NUMBER OF BEDROOMS
NUMBER OF BATHROOMS
FAMILY/BONUS ROOM
AGE OF HOME
LOT SIZE
POOL/SPA
FIREPLACE
GARAGE
SPECIAL REQUIREMENTS, ETC.

We will do a computer search on the Multiple Listing Service (MLS) system and find a group of homes that meet your desired criteria. We will then start to eliminate homes one by one until we have settled on the right property for you. Many potential buyers prefer to drive around on their own searching for the right property, however, we have found after years of experience that this process usually is an 'exercise in futility'. You should use your REALTOR'S expertise, experience and guidance during this elimination process.

Consider your REALTOR as your real estate LIFEGUARD. He or She is there to protect your best interest in any transaction. There are a number of 'discovery' and 'disclosure' items that must be addressed on any potential property, whether RESALE or NEW BUILD COMMUNITY type homes. My best advice to you is 'get your moneys worth'. Use your REALTOR throughout the entire home buying process.

Once we find the home that best meets your needs, we will write up the purchase agreement and other necessary paperwork. Our goal is to get you the home that you want for the best possible price and terms, and we will discuss strategy for accomplishing this goal.

Once we have a accepted contract, our next step is to get a property inspection. Please remember this; NEVER buy any real estate on the resale market without a property inspection. This must be done within the first ten days after contract acceptance.

A day or so prior to closing we will conduct a "final walk-through" inspection to make certain that all items specified to stay with the home are still there, and to verify that all heating/cooling, plumbing, electrical, mechanical, and other systems are in proper working order.

There are many different forms and papers involved in the home buying process, and we know that can be a little scary to some people. You will be furnished copies of the necessary forms to be used in your transaction. We will review all of them at our first meeting to make sure you are familiar and comfortable with them. This straight forward approach is necessary for your peace of mind, confidence and trust throughout the home buying process. (NO SURPRISES!!!)

The average time from getting the contract accepted to closing is about 30 days, although shorter or longer closings can be negotiated. Every transaction is unique, so I will monitor all of the details very closely, keeping you informed every step of the way.

Remember that I am here to serve you. If you are concerned or confused at any time, let me know immediately. There is no such thing as a stupid question when you are dealing with a large investment like this!

To review, the steps in the home buying process are:

Step 1 - Determine if buying a home now is smart for you.
Step 2 - Get pre-approved for your loan.
Step 3 - Study the real estate market.
Step 4 - Identify neighborhoods you like.
Step 5 - View specific homes.
Step 6 - Pick a home that meets your needs.
Step 7 - Analyze the value.
Step 8 - Negotiate the contract.
Step 9 - Close and move.

Don't hesitate to call me any time you have a question or concern. I look forward to working with you, and seeing you settled into your new home.

CHICAGO TITLE 1ST QUARTER FREE CE CLASSES

Hello Everyone,
Here is the class and event schedule for our Arrowhead office from Jan-March. The schedule includes the Limo Tours we are offering. Please bear in mind the tours are restricted to Real Estate Agents only unless you are a sponsor of the tour.
The Commercial class is on a first come first serve basis as that fills up very soon so please RSVP as soon as you can to reserve your spot as we can accommodate only a certain amount of people.

We Thank You for your business in 2006 and look forward to working as your Partner in 2007. I will be happy to sit down with you and re-evaluate your marketing plans for the New Year as well.

May you have a Happy, Prosperous and Healthy New Year!

Elizabeth Andari
Sales Representative
Chicago Title Insurance Company
Northwest Phoenix & Arrowhead Areas
Direct:(602) 339-6001
Fax: (602) 298-0703
Email: andarie@ctt.com

For information on upcoming classes & events see my website at: www.Chicagotitlearizona.com/andari

Chicago Title Insurance Company
ARROWHEAD Office- Class Schedule & Events

January-March 2007

Wednesday 1-17-07
Arrowhead Limo Tour
Hosted by: Elizabeth Andari, CTIC Sales Rep & A Great Lender!
Dazzle your Sellers with tons of agents coming to see their property!
Leaving the office at 9:30am returning at 12:30pm (duration 3hrs)
Lunch will be served immediately after the tour so stay to eat with us!
Featuring your listings from grids : 317, 318, 321 and 322 W.of 59th Avenue
Email your plano’s to andarie@ctt.com to get on board!

Wednesday 1-24-07
Chicago Agent, Premier Services & Foreclosure Website
Taught By Elizabeth Andari, CTIC Sales Rep
How to do buyer and seller net sheets in seconds- download the program on your PC or Palm Pilot!
Learn how to do CMA’s/Listing Kits for your clients in just two keystrokes with Demographics, Public/Private Schools, Sales Comparables that are updated within days of their occurrence!
You can pull comps, ownership, encumbrances, demographics all on one site!
We have the best foreclosure website around! Learn how to make it work to your advantage including printing labels and mail merge letters!

Wednesday 02-07-07
How to Create Immediate Buyer Business
Taught By Elizabeth Andari, CTIC Sales Rep
Learn how to identify Best Buyer Contact Areas
Structure a Personal Buyer Contact System
Produce lasting results by Goal Setting
Get great new ideas to take your business to the next level!

Wednesday 02-14-07 (Come Enjoy our Valentines Tour!)
Arrowhead Limo Tour
Hosted by: Elizabeth Andari, CTIC Sales Rep & A Great Lender!
Dazzle your Sellers with tons of agents coming to see their property!
Leaving the office at 9:30am returning at 12:30pm (duration 3hrs)
Lunch will be served immediately after the tour so stay to eat with us!
Featuring your listings from grids : 317, 318, 321 and 322 W.of 59th Avenue
Email your plano’s to andarie@ctt.com to get on board!

Thursday 2-22-07 (3 RENEWAL HOURS)
1031 Tax Differed Exchanges - IPX
Dave Tornell, Instructor
· Legal Issues Credited Class
Assist your investor clients with the best financial strategies for their investment or income properties
Learn which properties qualify for exchanges
Learn how to increase your clients cash flow, depreciation write-off and increase their overall net assets

Wednesday 03-14-07 (St. Patty’s Day Tour)
Arrowhead Limo Tour
Hosted by: Elizabeth Andari, CTIC Sales Rep & A Great Lender!
Dazzle your Sellers with tons of agents coming to see their property!
Leaving the office at 9:30am returning at 12:30pm (duration 3hrs)
Lunch will be served immediately after the tour so stay to eat with us!
Featuring your listings from grids : 317, 318, 321 and 322 W.of 59th Avenue
Email your plano’s to andarie@ctt.com to get on board!

Thursday 3-22-07
Due Dilligence –Commercial Class (3 RENEWAL HOURS)
Taught By: Dave Miller, Commercial Sales Mgr. Chicago Title
A Must for those interested in the Commercial Arena
Become an expert on Due Dilligence for Commercial Real Estate
You will be up to speed with new legislation
Learn the Differences between Commercial & Residential Real Estate
Familiarize yourself with the Commercial Tool Box a Great Asset to your business!


CLASSES START AT 9:30 am (approximate duration: 3 Hrs)
It is Necessary to RSVP to andarie@ctt.com
or by calling (602) 339-6001


Classes are held at Chicago Title Insurance Co. (Arrowhead Office)
17235 N. 75th Ave Ste G-105
(Just North Of Toy’s R US on the NW Corner of 75th & Bell)

2006 ANNUAL HOLIDAY PARTY **

MONTI - BILL - VICKIE

TIM - VICKIE - PAT

GIDGET - FELIPE & FRIEND

MRS SLAUGHTER

DARYL - SUSAN

2006 ANNUAL HOLIDAY PARTY *

BILL-DARYL-GREGG-KERI

ANITA

TIM-VICKIE-PAT-LAURA-MR. OHMER

ROOM FOR ALL

HILTON CREW VERY NICE PEOPLE

2006 ANNUAL HOLIDAY PARTY

GIDGET AND FRIENDS

PAT, BRENDA AND JASON

MONTI-KAREN-MR. NAVARRO & FRIEND-GIDGET-MARIA-KERI

FELIPE-MONTI-KAREN

TIM-SUSAN-PAT-MARIA-DARYL

GREAT CAKE

GOOOOOOOOOD FOOD!

TAXPAYER RELIEF

Legislation included in the 1997 federal budget made significant changes that improve a homeowner's ability to profit from the sale of real estate. The capital gains tax exclusions on the sale of a principal residence is just one of several benefits for homeowners. When you sell a home you have owned and use for two of the five years prior to the sale, married couples are allowed to keep up to $500,000 in tax-free profits and taxpayers filing as singles can keep up to $250,000 before paying capital gains tax.

Long-term capital gain is also taxed at lower rates as a result of the Jobs and Growth Tax Relief Reconciliation Act passed in 2003. The maximum capital gains tax rates dropped from 20% to 15% and from 10% to 5%, effective for sales and exchanges taking place on or after May 6, 2003 and through December 31, 2007. In 2008 the 15% rate continues for higher income taxpayers, while the 5% rate for lower income taxpayers drops to 0%, but only for the 2008 tax year. On January 1, 2009, the 10% and 20% rates will be reinstated.

Consult your tax advisor for advice regarding your particular circumstance.

A REAL ESTATE AGENTS EXPERTISE

A Real Estate Agents Expertise, by Mario Romero, CRS

Are you doing the following things for your Clients? Better question, do your Clients feel you are doing these things for them? Remember, Clients Don’t Care How Much You Know, Until They Know How Much You Care.

If you are using the services of a professional real estate agent to find a new home, good communication is crucial to the transaction. A real estate agent who knows your most significant criteria can work much more effectively to show you homes that will meet your needs.Let the real estate agent know why you are interested in a specific location.

Discuss specific requirements such as proximity to your job, good schools, or recreational activities. If there are no houses available in your price range, the agent may suggest alternate neighborhoods with the same amenities. Do you need a home office or do you have hobbies that you want to accommodate? Is there a particular style of architecture that you prefer?

Agents sometimes have to be intuitive when we work with buyers. The more you can describe to your agent what elements in the home are essential and where you are willing to compromise, the easier it will be to use their expertise to find a home that's perfect for you.

ONLINE UPDATES & INFO FROM CFR

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AGAIN, HAPPY THANKSGIVING

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Does anyone know what 11-24 is besides the day after Thanksgiving or the biggest shopping day of the year?

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It's Monty Crawford's Birthday. Monty is a REALTOR with CFR.

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HAPPY BIRTHDAY MONTY

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Would like to WELCOME ABOARD four new REALTORS this week: Perry Adan, Brenda Browne, Eric Holmstedt, and Brian Rygiel. It is always great to have new people. Remember, if you know of a REALTOR looking for a home, send them to us. It's worth a $100!!

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Because a lot of our agents have full time jobs, we are going to have our training schedule set for Saturday afternoons, starting at 2:00 PM. This training will cover orientation to the company, basic paperwork, question and answer sessions, working on the MLS, ZIP Forms, etc. We ask that all new Agents attend a few of these meetings. It will help you get comfortable with the Company and some of the basic "How To's" of handling buying and selling paperwork and procedures.

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Training is a on going process in real estate. Due to the large number of laws, codes, standards of practice, etc., that controls our business we must be progressive in our learning efforts. We at Clients First Realty, LLC will always try to offer our personnel in-house training, along with our support partners at Title Companies and Lending Institutions who continually furnish on going training that is relevant to your real estate careers.

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Vickie O'Neil and myself, will make ourselves available to you on a individual bases to answer questions or to assist you with your transactions. Please do not hesitate to call if you need an answer.

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PLEASE REMEMBER TO RSVP VICKIE AT VICKIE@CLIENTSFIRSTREALTY.COM FOR THE COMPANY HOLIDAY PARTY ON FRIDAY, DECEMBER 15TH, AT THE POINTE HILTON

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CFR PERSONNEL AND SPECIAL INVITED GUEST

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You & a Guest are cordially invited to our Annual Holiday Party, Friday Dec. 15th, 6:30 PM. at the Pointe Hilton Squaw Peak Resorts Lantana Grille, 7677 N. 16th Street. (South of Northern on 16th Street) (North East corner of 16th Street & Morten)

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Again a Happy Holiday to All of YOU!!! - WMS/DB

PAPERWORK, PAPERWORK, PAPERWORK

See how HAPPY you will be when you get your paperwork done quickly, professionally and thoroughly. Two of the most important initial forms is your FAX COVER SHEET - REQUIRED DOCUMENT REFERENCE GUIDE & the CONTRACT INFORMATION SHEET for SALES, LISTINGS AND RENTALS. When the Contract Information Sheet is filled out completely and correctly, it allows a smooth transition in your transactions administrative life.

All the forms and procedures during a residential real estate transaction is designed to protect all parties involved before, during and after the transaction. By taking short cuts, you are jeopardizing all parties. This is why the policies, procedures and forms were implemented in the first place.

Not my favorite topic, but one that has to be covered from time to time. When dealing with lenders, title & escrow, appraisers, inspectors, etc., you will find some great ones in the metro area. You will also find ones with poor attitudes and some that are full of themselves. This attitude comes across to your CLIENTS and is a direct reflection on you. If you need some personal guidance concerning this matter, drop by for a chat with me or Vickie O'Neil. Sometimes our guidance and experience can save you from losing repeat business from your CLIENTS.

It is your responsibility to insure that the Title & Escrow Companies furnish you and your brokerage with the necessary documents. Even though we have to chase papers from time to time, it is much easier for you to handle the situation. (A Lot Less Feathers Get Ruffled)

Now on the very POSITIVE, for the most part, I say at least 95% of the time, your paperwork is looking great. Thanks for ALL your HELP, concerning your laboring tree by-products.

Have A Great Day and Keep Writing Those Deals - WMS / DB

FYI E-NEWS IN NOVEMBER

ENVIROMENTAL DATA RESOURCES AND REPORTS

Third-Party Disclosure Legislation Provides Confusion – Clarity Coming!

Last legislative session, HB 2779 allowed a seller of real property to authorize a third-party company to produce a limited disclosure statement on their behalf. The legislation also required that companies providing these reports had to possess $10 million dollars worth of insurance as well as indemnify parties to a real estate transaction in the event their disclosure report contained en error. What started out as a very simple law and a limited disclosure report, became confusing for REALTORS® and their clients. Third-party companies have been marketing the new law to real estate stakeholders as the new law requires compliance or that it is mandatory to purchase third-party disclosure reports(NOT TRUE). In the upcoming 2007 Legislative Session, AAR will either be seeking a repeal of the recently enacted law or amend it to prohibit false marketing efforts to real estate industry partners and sellers. If you have recently received marketing material by a third-party company that seems suspect, please forward a copy to AAR and your Broker/Manager.

TECHING UP WITH COMPUTER FAXES

In the real estate business, we are always faxing things back and forth on every transaction. If you have a computer and printer, you can easily have a fax as well.

There are several places you can go to get this service, but www.GODADDY.com is a good source and easy to use. Just go to the main page, find the Business Button on green task bar, move arrow over, get drop down, click on FAX THRU EMAIL. You can get an 800 fax number or a local fax number; you can get different size usage programs, depending on your fax volume. When you get a fax, it comes straight to your email address as an attachment. You can then save it to your clients file, print it or forward it, or all of the above. Your monthly expense is about the same as getting an additional phone line to your house or office, without having to buy a fax machine and all those ink cartridges. A lot of agents will have a traditional fax, as well as an e-Fax. The advantages and conveniences will surpass the expense.

COMPANY’S HOLIDAY GET TOGETHER – COMING SOON

Vickie has already started to work on the Holiday Company Party and the date is Dec 15th on a Friday. Please keep this date open, if you can. You will receive more info as the event gets closer.

KEEP THOSE AGENTS COMING

Don't forget to keep sending your agent prospects to Vickie O'Neil, Director of Agent Services. She is always looking for new REALTORS and BROKERS for 'The Company'.

Have a Great Day - WMS / DB

ADMINISTRATIVE UPDATES & INFO

Special Thank You

Thank you to the Agents, Vendors, and Associates that have helped with the New Agent Recruiting. We have added several new REALTORS® to the CFR roster in October. Again, THANK YOU for all your efforts.

Administrative Information for CFR Agents

There are three fax lines coming in to the Corporate Office. Your primary fax number is 602-296-7768. The secondary administrative fax is 602-358-7851 and there is a direct fax to the Broker at 602-374-2792.

Please use the primary fax whenever you are sending paperwork to the office and this is also the fax number we want given out to vendors and associates. The additional fax line information is for CFR Agents, Brokers and Staff.

The primary fax is designed to handle up to six incoming faxes at a time and also has twelve hours of memory storage, but just in case of paper jams, out of paper, out of toner, etc., you will have the additional numbers to use. We hope you find this information helpful.

REALTOR® Designation Awareness Month

All of your Local, State and National Associations of REALTORS® are pleased to announce the arrival of REALTOR® Designation Awareness Month. NAR has established November as a month in which to encourage its members to "Keep it in the Family" by starting, completing, or continuing an official NAR-endorsed designation program through NAR or one of its affiliates. NAR and its nine Institutes, Societies, and Councils offer twenty advanced education designation and certification programs to help members remain up-to-date in the dynamic environment of Real Estate. The National Association of REALTORS® and the Glendale Board of REALTORS® strongly encourage its members to increase their professional image, marketability, productivity, and income through the pursuance of a designation or certification program.

Timely Sign Removal

Whenever you have a listing and have set up a yard sign, it is your responsibility to remove the signage once the listing has reached the Close of Escrow, expired or has been cancelled. The accepted industry timeline is 48 hours. Remember, Courtesy is Contagious.

Thanks Again for Being part of CFR, WMS / DB

NEW SIGN - CONGRATULATION - WELCOME ABOARD !!!

The new CFR house sign attached to a 'red post' stands out from way down the street. Great way to bring attention to your listings. It won't take to long before the 'red post' branding will become synonymous with Clients First Realty.

We all should congratulate Mr. Navarro. 90 days in the business over $30,000 in commissions RECEIVED. This is during a slow market. Please don't tell Felipe.

Like to WELCOME Laura Ohmer from High Profile, Edward Olson from Westford College of Real Estate and Tim Riordan from Century 21. Some of the students we have talked too had some problems with the test. Don't give up. Test isn't easy for everyone but it can be passed if you study hard.

The first orders placed for the car magnets should come in today or Monday. Remember if you want a set, the Company is paying half.

Both Chicago Title and Magnus Title are offering classes. Please take advantage of them when you can. Some qualify for CE hours. Remember, you need 24 hours every two years to maintain your licenses. You have certain mandatory categories that must be satisfied in your 24 CE hours. Please don't wait until the last minute to renew your licenses.

Do you want to qualify for your CBR (Certified Buyers Representative)designation? Westford College is holding a three day course, Oct 30th, 31st and Nov 1st.

Clients First Realty is going to start a session every Wednesday from 5 to 7 called "Ask The Broker". Just show up with your questions or areas you need some coaching with. We will try to address all legitimate topics that you want to learn about.

Clients First Realty is proud of our REALTORS and Staff. We want to show you off on the Corporate Website. Please send us your BIO and PICTURE to display. Thank you to the Agents who have already sent theirs in!!!

Talk To You Soon, WMS/DB

NEW CAR MAGNETS AVAILABLE NOW !!!

To All Agents, Brokers, and Staff

You can order 12 X 18 car magnets with your name and phone # on them. They are manufactured through Realty Signs. The cost on each set of signs is currently $110 + Tax. If you decide you want a set, just contact the office and we will order them for you. As an incentive to everyone, the Company will split the cost of these advertising magnets. Your cost will then be $55 + Tax and will be billed to your quarterly statement.

Just call or email the office to place your order. WMS/DB

DUE DILIGENCE - INSECT INSPECTIONS

This is an attempt to clarify the Company's position on what is commonly referred to as "the termite report". Clients First Realty, LLC does not place the wood infestation report as a mandatory item for our Agents, but we HIGHLY recommend that it is done on each and every transaction. According to AAR's Resale Purchase Contract 5/05, page 5, paragraph 6c, lines 198-202 the following will be found.

"Wood-Destroying Organism or Insect Inspection: IF CURRENT OR PAST WOOD-DESTROYING ORGANISMS OR INSECTS (SUCH AS TERMITES) ARE A MATERIAL MATTER TO THE BUYER, THESE ISSUES MUST BE INVESTIGATED DURING THE INSPECTION PERIOD. The Buyer shall order and pay for all wood-destroying organism or insect inspections performed during the Inspection Period. If the lender requires an updated Wood-Destroying Organism or Insect Inspection Report prior to COE, it will be performed at Buyer's expense."

I have found a simple clause placed on each contract where I represented the Buyer clarifies what your Buyer expects to happen if termites are found in the prospective property being purchased. Making this clear up front, should help insure a smoother transaction through the Due Diligence phase of the transaction. The clause reads as follows and is normally placed on page 8 (Additional Terms Section) AAR RPC 5/05 Form:

Seller agrees that, based on termite report, seller will correct all issues and procure a clear termite report acceptable to lender and treat the entire home for termites or treat as per warranty, if any.

I hope this answers the questions that several Agents had concerning this item.

Have A Great Day, WMS/DB

A NEW LOOK IS COMING ! ! !

Hey Everyone

Just letting you know what's going on with your Company. We are presently redoing the YARD SIGNS, so to create a stronger, more recognizable branding. Should have the first few within the next couple of weeks. Hopefully, if it works like we think it will, the RED POST will create the positive branding we are searching for with our listing signs.

Just a reminder, if you have changed addresses since joining CFR, please update our files with an email or fax. Arizona Department of Real Estate requires you change your records online within 10 days of the move. If you need help doing this, just give us a call and we will walk you through the process.

FYI reminder... Take advantage of the Chicago Title Classes, if you have time... They are free and informative. The instructors are great and they always have cookies.

The New Transaction Tracking System is working great. This is a quick and easy way to keep you up to date on your transactions. If you have any concerns or questions about the system give me or Vickie a call. If you see a way it could be better, please make us aware of it. If the change is possible and benefits everyone, we will attempt to implement it.

Have A Great Day, WMS/DB

New Transaction Tracking System

The New Transaction Tracking System is in place. A simple but professional method for you to know what paperwork we have received and what we are missing. Lets you know when your clients file is complete. Shows what corrections are needed, if any.

Log on the www.ClientsFirstRealty.com go to the RESOURCES tab, scroll down to CFR AGENT ONLY, click and log in. ( ID cfr agent - PW agent ) Once you are logged on, you will find the Transaction Tracking System, click, find your name, click again and find your clients. Each client will have a TRANSACTION SYSTEM CONTROL SHEET. There are three types of control sheets. ( Listings, New Build, & Resale Purchase ) The whole system is very easy to read and understand, once you have went through it a couple of times. If you have any questions on how to use the system, please call and we will be happy to walk you through the process. The Transaction Control Sheets will be in PDF format. The download for Adobe Reader is in the same section under free downloads.

Once you send the corrected or additional paperwork in you will see it change on the Tracking System, normally within 72 hours.

This is just another way Clients First Realty, LLC is trying to assist you during your transaction.

Good Listing and Selling - WMS/DB

Ordering Business Cards Online

It is 'Company' policy that Agents can create and buy their business cards wherever they want. They must use a company approved logo. CFR management must proof and approve the final draft.

We have found that pricing from print companies varies a tremendous amount. In an attempt to assist the new agents, the 'Company' has through Print Firm, Inc., an online printer, created a simple and reasonable card template that any agent or employee can use. Just plug in your picture and personal information and your new cards will be shipped to you, normally, within 48 hours.

Just go to the corporate website, www.ClientsFirstRealty.com, click on the RESOURCE tab, scroll down to #810 to order your business cards. Click through and you will be connected to Print Firm, Inc. and Clients First Realty, LLC's card template page. We will be adding card templates from time to time that you will be able to pick from. If you create your own card and you want to share your design with other CFR personnel, it may become a template choice also.

The back of your Print Firm business card can come with an annual calendar, printed mortgage calculator or you can leave it blank. Because these cards are in template form, there is an limited amount of things that can be done (your picture, personal connect information and 'back of card' options).

We have found the pricing $50 to $75 per thousand is about half the price over local pricing, which normally runs $90 to $150 per thousand (unless you have a friend in the printing business).

Print Firm, Inc is a nationwide client base company, used by a large number of well known organization (Re/Max, Century 21, etc.).

CFR is making this business item available to CFR personnel as a convenience. Again, this is NOT a directive or mandatory item. Only use it, if YOU choose too.

Talk to you soon, WMS

"Reddy Realty" Jumps For Clients 1st

Hi Everyone

We need to Welcome some new people to the Company; Susan Harvey from High Profile Realty, Patrick Nguyen from Pro Alliance, Gidget Garcia and Jenny Sample from Westford College. CFR is extremely proud to have these four new members.

Remember, we need to sign up 90 more agents by the end of the year. Please send any of your agent referrals to Bill or Vickie. It’s worth $100 to you, if they sign up.

Vickie O’Neil, Director of Agent Services, is always available to answer your questions and is the person you should go to, if for some reason you can not reach your DB (which does not happen to often!).

Please let us know if you want to sit an open house or if you have one you need someone to attend for you.

We have added several new features to the Corporate Website. Please check it out when you have time.

Chicago Title offers on going educational classes and all you have to do is call them and let them know you want to attend a class. I have known Judy Powell, a Chicago Title Manager and a Certified Real Estate Trainer, for years and know you will enjoy attending any of her instructional classes.

Chicago Title Insurance Company
North West Office- Class Schedule
September-December 2006

Friday 10-06-06 (3 RENEWAL Hours)
Cost Sheet Class**

• Class No. C5939-General Credit Hours
• How to accurately prepare and understand all of the charges as well as learn where they originate. Please bring a calculator with you to class. You will soon be an expert at doing them yourself with or without a computer program.
• Check out our Chicago Agent Cost Sheet Software it will do them in seconds it will be presented at the meeting for you!

Friday 10-20-06
How to Create Immediate Buyer Business

• Learn how to identify Best Buyer Contact Areas
• Structure a Personal Buyer Contact System
• Produce lasting results by Goal Setting
Get great new ideas to take your business to the next level!

Thursday 11-09-06
Residential Resale Purchase Contracts** (3 RENEWAL Hours)

• Class no. C4920- Contract Law Credited Class
• Understanding the ins and outs of the NEW contract
• Become an expert at filling out contracts
• How to protect yourself against misunderstandings
• A Must for all Realtors

Friday 11-15-06 (3 RENEWAL HOURS)
1031 Tax Differed Exchanges TPX -Dave Tornell, Instructor

• Legal Issues Credited Class
• Assist your investor clients with the best financial strategies for their investment or income properties
• Learn which properties qualify for exchanges
• Learn how to increase your clients’ cash flow, depreciation write-off and increase their overall net assets

** WE WILL NOT BE HAVING ANY CLASSES IN THE MONTH OF DECEMBER DUE TO ATTENDANCE DURING THE HOLIDAY SEASON.

CLASSES ARE TAUGHT BY JUDY POWELL, Certified Real Estate Trainer

CLASSES START AT 9 am (approximate duration: 3 Hrs)
RSVP to andarie@ctt.com OR CALL (602) 863-6979

Classes are held at Chicago Title Insurance Co. (Northwest Office)
15810 N. 35th Ave Phoenix. AZ (between Greenway & Bell Rd)

Help Us Find Agents

First I would like to welcome Anita Taylor to the company. Anita is a full time manager for Desert Schools Credit Union. She also is working on her Masters in Business. Obviously she is staying busy.

We need to put on 100 Agents by the end of the year. Fairly a big task, but I still believe it can be done. However, I will need everyones help to accomplish this. The Company will pay you $100.00 dollars for anyone you send us and they sign up with CFR. We will write you a check or you can credit it to your statement charges. Any Agent you come in contact with, simply ask them if they are considering changing to another Company. If so, have them contact us before making their decision. The faster we get these Agents, the faster we can start planning on additional office locations, fast track training programs and technology improvements.

We are definitely moving in the right direction but need to intensify our efforts to accomplish the necessary outcome desired. Keep focused and THANK YOU all for your help.

Bill Slaughter - Designated Broker

Welcome Aboard

Would like to take a minute to welcome Burton Lambson and Felipe Navarro, two new Agents joining Clients First Realty, LLC.

To all agents, remember your ethics training class must be taken once every 4 years. If you are new, you will probably schedule this class within the first 30 days after joining your local association. If you don't remember when you last took your ethics training, you can check with your local association to find out. This training is mandatory to maintain your REALTOR status.

If you need help learning the ARMLS website and all of its features, please contact TEMPO and take advantage of the instructional courses they offer. The expense and time is minimal and you will discover what a valuable tool you have with this website.

Again, Thanks For Being Here and Have a Great Week,

Bill Slaughter

Welcome CFR Agents, Brokers & Staff

This is the first posting of the new "Clients 1st Bulletin Board". This tool will be used to communicate information about listings, open houses, educational events and classes, general company related topics, Q & A that will be beneficial to everyone with CFR, comments, and pro active exchanges between all CFR personnel. This is just one of the many tools that you will find, that will create a avenue of communication and involvement for and from the members of CFR.

It is my desire and goal, that you become familiar with this bulletin board and use it in a positive manner, to draw desired results and exchanges from all of CFR's personnel.

There will be a link places on the Corporate website, under "RESOURCES", plus a link will be e-Mailed to you from time to time, allowing you to view and comment on different topics, as well as to create new postings of your own, that you feel would be a benefit to everyone.

Again, Thank You, for being part of CFR and have a GREAT Day.

Bill Slaughter, Designated Broker