john snavley senior vice president/ chief marketing officer [email protected] 317-571-2200...

John SnavleySenior Vice President/

Chief Marketing [email protected]

317-571-2200317-571-5671

talktotucker.com/john.snavley

F. C. TUCKER COMPANY, INC.

Since 1918Indiana’s Largest Real Estate Company



317-571-2200317-571-5671



Has real estate been a good investment?You be the analyst.

Sold for $31,000 in 1964 Sold for $35,000 in 1963

Sold for $75,000 in 1963 Sold for $77,500 in 1963



317-571-2200317-571-5671



The Services I Will Provide During the

Buying Process



317-571-2200317-571-5671



Explain the details of the Purchase

Agreement and other forms used in

purchasing a home and give you a copy

for your review.

Explain all the various financing

options and offer an appointment with a

mortgage representative to pre-qualify

and determine your mortgage amount

and closing costs.

Before we start looking at homes, I will…Before we start looking at homes, I will… Answer any questions you may have in

the process

of buying a home.

Discuss and explain the BLC System.

Discuss architectural style, location,

schools and special features that you

desire.



317-571-2200317-571-5671



Three Million Homes For Sale, Updated Daily www.TalkToTucker.com

View the most comprehensive directory of homes for sale at TalkToTucker.com.

Every REALTOR’S® listings: over 19,000 in metropolitan Indianapolis and over three million throughout the United States.



317-571-2200317-571-5671



Pre-ApprovalWe recommend that before you begin your house hunting, you begin the loan pre-approval process. Getting pre-approved requires that a lender verify your financial information, and it serves as their commitment to lend a specified amount based on that information. It will give you a number of advantages.

When you find a property, sellers will take your offer more seriously given that you have a lender that has committed to backing your offer.

It does give the assurance that you’re looking at homes you can confidently afford to finance. Your efforts will be focused on properties that match your financing abilities.

You’ll have an edge over other buyers who aren’t pre-approved. In situations where there are multiple offers on a property, this can be the difference between having your offer accepted or losing the property to another buyer.

We’re eager to help you get pre-approved either through our mortgage company or any other company.



317-571-2200317-571-5671



Interest Rate FactorsFactors per $1000Interest

RateTerm

15 YearsTerm

30 Years

3 6.91 4.223 1/4 7.03 4.353 1/2 7.15 4.493 3/4 7.27 4.63

4 7.40 4.774 1/4 7.52 4.924 1/2 7.65 5.074 3/4 7.78 5.22

5 7.91 5.375 1/8 7.97 5.445 1/4 8.04 5.525 3/8 8.10 5.605 1/2 8.17 5.685 5/8 8.24 5.765 3/4 8.30 5.845 7/8 8.37 5.92

6 8.44 6.006 1/8 8.51 6.086 1/4 8.57 6.166 3/8 8.64 6.246 1/2 8.71 6.326 5/8 8.78 6.406 3/4 8.85 6.486 7/8 8.92 6.57

7 8.99 6.657 1/8 9.06 6.747 1/4 9.13 6.827 3/8 9.20 6.917 1/2 9.27 6.997 5/8 9.34 7.087 3/4 9.41 7.167 7/8 9.48 7.25

InterestRate

Term15 Years

Term30 Years

8 9.56 7.348 1/8 9.63 7.428 1/4 9.70 7.518 3/8 9.77 7.608 1/2 9.85 7.698 5/8 9.92 7.78

8 3/4 9.99 7.87 8 7/8 10.07 7.96 9 10.14 8.05

9 1/8 10.22 8.149 1/4 10.29 8.239 3/8 10.37 8.329 1/2 10.44 8.419 5/8 10.52 8.509 3/4 10.59 8.599 7/8 10.67 8.68

10 10.75 8.7710 1/8 10.82 8.8710 1/4 10.90 8.9610 3/8 10.98 9.0510 1/2 11.05 9.1510 5/8 11.13 9.2410 3/4 11.21 9.3310 7/8 11.29 9.43

This chart will help you calculate your monthly principal and interest

payments for both fixed and adjustable rate loans at various interest rates over 15 and 30 year terms. Start by finding the appropriate interest rate, and then

look across to the column indicating the desired term of the loan. The number is

the interest rate factor. This is the dollar amount required each month to

amortize $1,000 over the specified term. To calculate your principal and

interest payment, multiply the interest rate factor by the total loan amount in

$1,000’s.

Here’s an example:Interest rate: 7 3/4%

Term: 30 yearsFactor per $1,000: 7.16

Total Mortgage: $115,0007.16 x 115 = $823.40 per month



317-571-2200317-571-5671



Buyers Worksheet(Estimated Purchase Costs)

Prepared for_______________________________________________

Sale Price $__________________

Down Payment $__________________

Mortgage Amount $__________________

Term __________________

Interest Rate __________________%

Semi-Annual Taxes $__________________

Principal & Interest $__________________

Taxes $__________________

Insurance $__________________

Private Mort. Insurance $__________________

Estimated Monthly Payment $__________________

Home Phone____________________________________

Office Phone____________________________________

Sales Associates Signature_______________________________

Prepared By_______________________________________________

Closing ExpensesLoan Origination Fee $____________________

Loan Discount $____________________

Appraisal Fee $____________________ Credit Report $____________________ Lenders Inspection $____________________ Mortgage Insurance Application Fee $____________________ Assumption Fee $____________________ Health & Hospital Inspection Fee $____________________ Underwriting Fee $____________________ Delivery Service Fee $____________________ Flood Search $____________________ Interest from _______ to _______ @ $_________ day $____________________ Hazard Insurance Premium for one year $____________________ One-Time FHA insurance premium $____________________ VA Funding Fee $____________________ Hazard Insurance ______ months @ _______/month $____________________ Mortgage Insurance ______ months @ _______/month $____________________ Homeowners Association /Condo Fee $____________________ Closing Fee $____________________ My Special Agent Fee $____________________ Title Insurance $____________________ Document Preparation $____________________ Attorney Fees $____________________ Tax Service Fee $____________________ Amortization Fee $____________________ Recording Fees: $____________________ Deed $______ Mortgage $ ______ Release $_______ $____________________ Survey $____________________ Termite Inspection $____________________ Private Inspections $____________________ Other ______________________________________________ $____________________ Total Closing Expenses $____________________

Credits Against Purchase Price:Amount of Mortgage loan obtained/assumed $____________________ Earnest Money Deposit $____________________ Real Estate Taxes Payable _________________ $____________________ Interest from _________ to __________ $____________________ Miscellaneous $____________________ Total Credits $____________________ Gross Amount Due $____________________ Total Credits $____________________ Balance Due & Paid at Closing (net) $____________________



317-571-2200317-571-5671



FinancingFinancing

The F. C. Tucker Company has a professional mortgage representative servicing every office to assist its agents

and clients.

Tucker Mortgage is one of the top 10 mortgage companies in Indianapolis.



317-571-2200317-571-5671



Fixed-Rate MortgageThe interest rate stays the same for the entire term of the loan —usually 15 or 30 years — so the interest and principal portions of your monthly payment remain the same. Your payments are stable and predictable, but initial interest rates tend to be higher on a fixed-rate mortgage than on adjustable-rate loans.

Adjustable-Rate Mortgage (ARM)The interest on an adjustable-rate mortgage is linked to a financial index, such as a Treasury security, so your monthly payments can vary, up or down, over the life of the loan - usually 30 years. Some adjustable-rate mortgages have a cap on the interest rate increase to protect the borrower.

The lower initial payments on ARMs make it easier for buyers to qualify.

Adjustable-Rate Mortgage Terms Adjustment Period: The length of time between

interest rate changes on an ARM. For example, a loan with an adjustment period of one year is called a one-year ARM, which means that the interest rate can change once a year.

Annual Percentage Rate (APR): The total finance charge (interest, loan fees, points) expressed as a percentage of the loan amount.

Cap: The limit on how much an interest rate or monthly payment can change, either at each adjustment or over the life of the mortgage.

Conversion Clause: A provision in some ARMs that enables you to change an ARM to a fixed-rate loan, usually after the first adjustment period. The new fixed rate is generally set at the prevailing interest rate for fixed-rate mortgages. This conversion feature may cost extra.

Index: A measure of interest rate changes used to determine changes in an ARM’s interest rate over the term of the loan.

Margin: The number of percentage points a lender adds to the index rate to calculate the ARM interest rate at each adjustment.

Financing Methods



317-571-2200317-571-5671



LoanProcedures

Chart



317-571-2200317-571-5671



Maintain a file of closing papers.

Explain pay-off.

Arrange for payment of expenses from

closing proceeds.

Coordinate the transfer of utilities.

At the closing I will…Discuss the proceeds and closing

statements with you.

Attend the closing and answer all

questions.

Coordinate possession of property and

keys.



317-571-2200317-571-5671



When buying or selling a home, no one can serve you better than Tucker’s

Home Services NetworkYour dedicated Personal Service Coordinator will work with you to provide the information and services you need before, during and

after your move! Through Tucker Home services, you will receive savings and a

higher level of service for a variety of requests including:

Phone/ Internet/ TV ServicesRoofing & SidingMoving CompaniesSecurity SystemGeneral ContractorLawn Care/ LandscapingPaintersHeating & CoolingCarpet CleanersFlooringPlumbingCarpentryWindows & DoorsElectricianRemodelingWindow TreatmentsUtility TransfersOver 200 Additional Services



317-571-2200317-571-5671



It’s fast, it’s free and it’s another Tucker exclusive.

Our MouseTrak program searches the entire market daily for your dream home and sends you an email when a new listing comes on the market that meets your criteria.

Over 100,000 MouseTrak emails sent per month to opt-in shoppers, plus Open House Alerts and Price Change Alerts.



317-571-2200317-571-5671



Distribution of Real Estate CommissionDistribution of Real Estate Commission

Agent Expenses

･ $206 per transaction

･ Income Taxes

･ All Social Security

･ Multiple Listing Monthly Fee

･ Lockbox Fee

･ Board & License Fee

･ Internet Fee

･ 100% Health Insurance

･ 100% Auto Expense

･ Cell Phone, Pager and Voice Mail

･ Postage

･ Advertising

･ Continuing Education

50%of the Total

Commission to the Co-operating

Broker

23.5%of the

Commission to the Agent

26.5%of the

Commission to the Company



317-571-2200317-571-5671



When you’re #1, you must know customer service. Tucker has it down to a T.



317-571-2200317-571-5671



Over 200,000 Buyers and Sellers

Represented



317-571-2200317-571-5671



Once again, the Indianapolis Business Journal has ranked the

F. C. Tucker Company as the undisputed leader in the Indianapolis real estate

marketplace!

With our growing network of statewide affiliates, we’re also the undisputed leader in Indiana and

one of the largest independent REALTORS® in the nation.

We know that the ONLY reason we’re Indiana’s number one real estate firm is because we do our

best to insure the complete satisfaction of ALL of our clients.

When you’re looking to buy or sell a home, talk to the company that’s

talking success—Talk to Tucker®!



317-571-2200317-571-5671



Indiana’s real estate leader since 1918

This information includes calculations covering home sales of $150,000 and up. Note: This representation is based in whole or in part on data supplied by the Metropolitan Indianapolis Board of REALTORS ｨ . The board does not guarantee or is in any way responsible for its accuracy. Data maintained by the Board may not reflect all real estate activity in the market.

4000

0

Closed Sales Over $150,000

F. C. Tucker had more closed sales over $150,000, than the

next three real estate companies in Indianapolis

combined.

3500

3000

2500

2000

1500

1000

500

F. C. Tucker Company

Company B

Company C

Company DCompany E Company F



317-571-2200317-571-5671



Buy with Tucker and You’ll Get More Tucker Talks Homes Magazine— Every month “Tucker publishes a magazine of its

current listing inventory (over 1,000 homes) with a color picture of every home. Homes are arranged by location and price, which makes the magazine user-friendly and sets us apart from our competitors. Available in over 350 retail outlets.

MouseTrak— Our MouseTrak program searches the entire market daily for your dream home and sends you an e-mail or fax of new listings that meet your criteria as they come on the market. You’ll be the first to know about them.

Over 5,000 Years of Experience— The management team averages 21 years and the agents average 10 years.

Tucker’s Home Services— The Tucker company offers buyers, sellers and past clients the services of a Personal Service Coordinator (PSC) who will be on-call before, during and after the move to assist with utilities transfers, moving companies, home repairs and vendors that offer premium services.

First-Time Homebuyers’ Info— At www.TalkToTucker.com you can review everything you ever wanted to know about buying and financing your new home.

Tucker Mortgage— Every Tucker office has a mortgage loan officer to assist clients. Pre-approval of mortgages within 2 hours gives you the power of a cash buyer. Tucker Mortgage represents over 40 lenders throughout the country.

Information— TalkToTucker.com— Consumers can search for and view homes for sale throughout Indiana and over 2,000,000 homes for sale throughout America. In addition, the Tucker website provides links to web sites of art and cultural centers, universities, sporting venues, and other major, local attractions. Tucker is a real estate leader on the web and averages over 30,000 listing searches a month.



317-571-2200317-571-5671



13 offices and over 700 sales associates strategically located throughout the city.

9201 Group9201 North Meridian Street, Suite 250Indianapolis, IN 46260

Carmel1119 Keystone WayCarmel, IN 46032

Castleton9111 Allisonville RoadIndianapolis, IN 46250

Downtown342 Massachusetts AvenueIndianapolis, IN 46204 East28 Yorkshire BoulevardIndianapolis, IN 46229

Fishers12692 East 116th StreetFishers, IN 46037

Keystone3405 East 86th StreetIndianapolis, IN 46240

Meridian North9277 North Meridian StreetIndianapolis, IN 46260

Noblesville100 Lakeview DriveNoblesville, IN 46060

Northeast9930 Geist Crossing DriveIndianapolis, IN 46256

South705 South State Road 135Greenwood, IN 46143

West10188 East US Highway 36Avon, IN 46123

Zionsville10 North First StreetZionsville, IN 46077



317-571-2200317-571-5671



Over 1,400 sales associates that

refer buyers from city to city.



317-571-2200317-571-5671



You and Your Sales AssociateSales Associates Depend on You— Sales Associates spend many hours holding houses open,

researching financing alternatives, keeping abreast of the current market and market trends, and pursuing continuing education studies. All of this activity (and much more) is done with a desire and a dedication to earn the loyalty of clients and build a reputation for efficient, friendly and professional service. Each Associate’s success depends on referrals, recommendations and repeat business.

The Tucker Sales Associate you choose can give you information about any property on the market, even when the sign in the front yard belongs to another company or a builder. You only need one Sales Associate to help you find the home of your dreams.

Sales Associates are Self-Employed— Self-employed means that a Sales Associate does not receive a salary, a company car, an expense account, vacation pay, insurance or retirement benefits, etc. In addition to these expenses, the Associate also pays license fees, monthly Multiple Listing Service fees and annual membership dues to local, state and national REALTOR® associations.

Each Tucker Associate has a contractual agreement with the F. C. Tucker company, Inc. This agreement states that the individual may list and sell real estate as an Independent Contractor representing the F. C. Tucker Company.

Sales Associates Earn Commissions— At the time of closing, after all the work has been completed to the satisfaction of everyone concerned, the real estate commission is subtracted from the seller’s proceeds. This commission is then divided between the company and the Sales Associate representing the seller, and the company and Sales Associate assisting the buyer.

Each member of the Tucker Team is dedicated to giving each client (past, present and future) the very best service. They exemplify the professionalism you’ve come to expect when you Talk to Tucker®— Indiana’s #1 Real Estate Company.



317-571-2200317-571-5671



The All NewTalkToTucker.com

• Easier Navigation

• Faster Searching

• Improved Mapping

The One-Stop Solution for Real Estate.



317-571-2200317-571-5671



It’s Easy

1…to get all the information you need when

looking for your dream home. With the revolutionary all-new F. C. Tucker web site you can view nearly every home for sale in the area and price range you desire. You can see maps showing nearby schools, stores, hospitals, golf

courses, parks and so much more.

Open your internet browser and type in the address www.TalkToTucker.com

2 Click on “Search for Homes” where you can search for homes by street name, area, price and more.

3 View nearly every home for sale in the area. When you have found a home you are interested in, you can see maps showing nearby schools, stores, hospitals, golf courses, parks and so much more.



317-571-2200317-571-5671



Use Your Phone to Find Your HomeEnter the street address of any home for sale in central Indiana— not just Tucker

homes! You’ll get price, photos, features and more.

iTucker.com

john snavley senior vice president/ chief marketing officer [email protected] 317-571-2200...

Documents

tucker company

mortgage company

buying process slide

loan preapproval process

mortgage representative

financing abilities

financial information

various financing options