selling your home

Selling Your Home

Company Overview

Com

pan

y Overview

Cutler Real Estate is a locally owned business which has specialized in and grown with many distinguished communities in Ohio, Kentucky, and Indiana. Since 1947 we have enjoyed powerful community recognition built upon our trademark of personalized service to the many families moving in and out of the area.

Because we have grown with our communities, our real estate professionals have intimate knowledge of each community’s character, mood, and growth potential. Since our Realtors live in the communities we serve, they can readily meet the unique challenges and problems families encounter in selecting their new homes. Drawing on their extensive knowledge of schools, recreational facilities, shopping requirements and transportation, our Realtors are able to better satisfy the special family housing needs of their clients.

We are a company of people...and it is because of these dedicated people you can feel confi dent that all of your real estate needs will be handled in a trustworthy, professional and effi cient manner.

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The Cutler Story

Alliance2215 West State St.Alliance, Ohio 44601330.821.1113

Carrollton704 Canton Rd. N.W., Suite ECarrollton, Ohio 44615330.627.0727

Dressler4618 Dressler Rd. N.W.Canton, Ohio 44718330.492.7230

Fairlawn2800 West Market St.Akron, Ohio 44333330.836.9141

Green971 E. Turkeyfoot Lake Rd. Akron, Ohio 44312330.896.1680

Clintonville/Beechwold4579 N. High StColumbus, OH 43214614.598.0801

Grove City3395 Farm Bank WayGrove City, OH 43123614.339.4664

Historic Dublin11 W. Bridge StreetDublin, OH 43017614.792.7500

Short North/Metro663 N. High StreetColumbus, OH 43215614.340.9660

New Albany272 E. Main St New Albany, OH 43054614.339.4664

Powell14 East Olentangy StPowell, OH 43085

Upper Arlington3380 Tremont Rd., Suite 210Upper Arlington, OH 43221614.339.4664

DublinComing Summer of 2014

Downtown Metro Offi ce1118 Pendleton Street #440Cincinnati, Ohio 45202

Harrison Ave6460 Harrison Ave., Suite 100Cincinnati, Ohio 45247513.429.4290

Hyde Park Offi ce3651 Michigan Ave. Suite 101Cincinnati, Ohio 45208

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Hudson84 Village WayHudson, Ohio 44236330.656.1081

Kent414 E. Main St.Kent, Ohio 44240330.678.1277

Medina3647 Medina Rd.Medina, Ohio 44256330.725.1052

North Canton203 Applegrove N.W.N. Canton, Ohio 44720330.499.9922

Stow/Falls3653 Darrow Rd., Suite OneStow, Ohio 44224330.688.2100

Wooster570 N. Market St.Wooster, Ohio 44691330.264.8133

Cutler Family of Companies> > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > >

CutlerCustomer Care Center

888.763.7575

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Title One Agency, Inc.

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Luxury Portfolio

Consultative Sales Commitment> > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > >

Consultation - When you work with me, I commit to:Listen to your goals

Use my specialized knowledge and training to help make sense of the complex home buyingand selling process

Recommend the right resources to help you reach your goals

Negotiation - When I negotiate for you I will:Commit to helping you negotiate the best possible price for your home

Help you obtain the most favorable terms in the shortest period of time

Effectively manage the buying or selling process to help you achieve your goals

Facilitation - Throughout the transaction I will:Work to put sales together that stay together

Help to make things happen for you

Offer you outstanding customer service and my personal expertise

Offer you a wide range of quality real estate resources, be it mortgage, title, relocation, homewarranty or fi nancial services

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Pricing Study

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We are pleased you have selected Cutler Real Estate to help you with your real estate needs. Whether you are selling, buying or leasing real estate, Cutler Real Estate can provide you with expertise and assistance. Because this may be the largest financial transaction you will enter into, it is important to understand the role of the agents and brokers with whom you are working. Below is some information that explains the various services agents can offer and their options for working with you.

For more information on agency law in Ohio you can also contact the Ohio Division of Real Estate & Professional Licensing at (614) 466-4100, or on their website www.com.state.oh.us.

REPRESENTING SELLERSMost sellers of real estate choose to list their home for sale with a real estate brokerage. When they do so, they sign a listing agreement that authorizes the brokerage and the listing agent to represent their interests. As the seller’s agent, the brokerage and listing agent must: follow the seller’s lawful instructions, be loyal to the seller, promote the seller’s best interests, disclose material facts to the seller, maintain confidential information, act with reasonable skill and care, and account for any money they handle in the transaction. In rare circumstances, a listing broker may offer “subagency” to other brokerages which would also represent the seller’s interest and owe the seller these same duties.

REPRESENTING BUYERSWhen purchasing real estate, buyers usually choose to work with a real estate agent as well. Often the buyers want to be represented in the transaction. This is referred to as buyer’s agency. A brokerage and agent that agree to represent a buyer’s interest in a transaction must: follow the buyer’s lawful instructions, be loyal to the buyer, promote the buyer’s best interests, disclose material facts to the buyer, maintain confidential information, and account for any money they handle in the transaction.

DUAL AGENCYOccasionally the same agent and brokerage who represents the seller also represents the buyer. This is referred to as a dual agency. When a brokerage and its agents become “dual agents,” they must maintain a neutral position in the transaction. They may not advocate the position of one client over the best interests of the other client, or disclose any confidential information to the other party without written consent.

WORKING WITH CUTLER REAL ESTATECutler Real Estate does offer representation to both buyers and sellers. Therefore the potential exists for one agent to represent a buyer who wishes to purchase property listed with another agent in our company. If this occurs each agent will represent their own client, but Cutler Real Estate and its managers will act as a dual agent.

CONSUMER GUIDE TO AGENCY RELATIONSHIPS

This means the brokerage and its managers will maintain a neutral position and not take any actions that will favor one side over the other. Cutler Real Estate will still supervise both agents to assure that their respective clients are being fully represented and will protect the parties’ confidential information.

In the event that both the buyer and seller are represented by the same agent, that agent and Cutler Real Estate will act as dual agents but only if both parties agree. As dual agents they will treat both parties honestly, prepare and present offers at the direction of the parties, and help the parties fulfill the terms of any contract. They will not, however, disclose any confidential information that would place one party at an advantage over the other or advocate or negotiate to the detriment of either party.

If dual agency occurs you will be asked to consent to it in writing. If you do not agree to your agent acting as a dual agent, you can ask that another agent in our company be assigned to represent you or you can seek representation from another brokerage.

As a buyer, you may choose to work with a listing agent on a property listed with Cutler Real Estate. Provided that you have not already been working with this agent or working with any other agent under an Exclusive Agency Agreement, then you may choose to represent yourself. In that instance Cutler Real Estate will represent the seller and you would represent your own best interests. Because the listing agent has a duty of full disclosure to the seller, you should not share any information with the listing agent that you would not want the seller to know.

WORKING WITH OTHER BROKERAGESWhen Cutler Real Estate lists property for sale it also cooperates with, and offers compensation to, other brokerages that represent buyers. Cutler Real Estate does reserve the right, in some instances, to vary the compensation it offers to other brokerages. As a seller, you should understand that just because Cutler Real Estate shares a fee with a brokerage representing the buyer, it does not mean that you will be represented by that brokerage. Instead that company will be looking out for the buyer and Cutler Real Estate will be representing your interests. When acting as a buyer’s agent, Cutler Real Estate also accepts compensation offered by the listing broker. If the property is not listed with any broker, or the listing broker does not offer compensation, we will attempt to negotiate for a seller-paid fee.

FAIR HOUSING STATEMENTIt is illegal, pursuant to the Ohio Fair Housing Law, Division (H) of Section 4112.02 of the Revised Code and the Fed-eral Fair Housing Law, 42 U.S.C.A. 3601, as amended, to refuse to sell, transfer, assign, rent, lease, sublease or finance housing accommodations, refuse to negotiate for the sale or rental of housing accommodations, or otherwise deny or make unavailable housing accommodations because of race, color, religion, sex, familial status as defined in Section 4112.01 of the Revised Code, ancestry, military status as defined in that section, disability as defined in that section, or national origin or to so discriminate in advertising the sale or rental of housing, in the financing of housing, or in the provision of real estate brokerage services. It is also illegal, for profit, to induce or attempt to induce a person to sell or rent a dwelling by representations regarding the entry into the neighborhood of a person or persons belonging to one of the protected classes.

Please note: We hope you find this information to be helpful to you as you begin your real estate transaction. When you are ready to enter into a transaction, you will be given an Agency Disclosure Statement that specifically identifies the role of the agents and brokerages. Please ask questions if there is anything you do not understand.

Because it is important that you have this information, Ohio law requires that we ask you to sign below, acknowledging receipt of this Consumer Guide. Your signature will not obligate you to work with our company if you do not choose to do so.

NAME (PLEASE PRINT) NAME (PLEASE PRINT)

SIGNATURE DATE SIGNATURE DATE

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Loan ApplicationVerify Employment

Credit ReportVerify Funds

AppraisalLoan Approval

BuyerSeller

Title ExamSurvey

Owner’s Policy Of Title Insurance

Title Company

Purchase Agreement

Lender

Earnest MoneyDeposited

Deed

Documents Signed

Contingencies Removed

Obtain Homeowners Insurance

Deposit Funds

Sign Documents

Escrow Lender / Title Company

Title Transfer

Utility Transfer

Keys

Money Proceeds

Selling Your Home...is a Complex Process

From specialized marketing to fi nancing and the actual closing of the transaction, we provide the best service every step of the way.

Consultation Negotiation Facilitation

Promotion to LocalReal Estate Community

Promotion to Cutler Realtors

Yard Sign

Multiple Listing Service (MLS)

Internet Marketing

Open Houses

Direct Marketing

Local Buyer Contacts

Out-of-town Buyer Contacts

Personal Referrals

Qualifying Buyers

Showing the Home

Seller Disclosure

Securing Financing

Coordinating Inspections

Coordinating Property Survey

Closing

Possession

Answering Objections

Asking Customer to Buy

Negotiating the Sale

Purchase Agreement

Agency Relationship

Home Market Analysis

Listing

Pricing

Estimate of the Proceeds

Financing Options

Merchandising

Seller Updates

Showing Feedback

Presenting the Offer

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Agency Consultation

Seller’s AgencyI represent you, the seller, and owe you loyalty, obedience, confi dentiality, accounting and reasonable skill and care in performing my duties. I am required to act solely on behalf of your best interests and to seek the best price and terms for you. Finally, I have an obligation to disclose all material information obtained about the buyer.

Buyer’s AgencyThe buyer’s agent owes all of the fi duciary obligations listed under Seller Agency to the buyer. They will work on the buyer’s best interest and seek the best price and terms for their buyer. Finally, they have an obligation to reveal any information obtained about the seller to their buyer.

Dual AgencyOne agent may represent both parties in a real estate transaction with their consent. This normally occurs when a buyer works with a listing agent directly. A dual agent may not disclose any confi dential information that would place one party at an advantage over the other party and may not advocate or negotiate on behalf of either of the two parties.

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Home Market AnalysisThe most important part in the role of advising you is providing you with detailed information to guide you in the pricing of your home. My home market analysis will consist of data on homes similar to yours in close geographic proximity. This data will show what your home will be competing against as well as what able buyers have been willing to pay for homes similar to yours in the area.

ListingI will be completing all of the forms necessary to market your home through the Multiple Listing Service (MLS). While many agents take this step for granted, we need to carefully plan the marketing remarks we will be using to attract other Realtors and their buyers to your home, as over 60% of the homes in our MLS are sold by buyer agents.

PricingWhile our Home Market Analysis will guide you in your pricing consideration, there are other factors involved in the process. We should consider positioning your home in relation to the others you will be competing against. A minor adjustment in price may place your home in a better position in relation to the others you will be competing against.

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Estimate of the ProceedsYou obviously have goals involved in the sale of your most important asset, your home! I will provide you with a detailed estimate of the proceeds you will receive on the sale of your home so you can plan your next move.

Financing OptionsI can provide you with information on the majority of loan products that a buyer may be utilizing to purchase your home, as some may be more advantageous to you in the amount of time and expenses involved in closing - all items that play an important role in negotiating the purchase agreement for the sale of your home.

MerchandisingI will provide you with tips on how to show your home in the best possible light to potential buyers. You want to be sure that you provide the buyer with a pleasant experience when viewing your home. After all, you never get a second chance at a fi rst impression!

Seller UpdatesI will provide you with an update of the marketing of your home on a regular basis, detailing the steps that I have taken to market your home to the largest pool of buyers qualifi ed to purchase your home. In addition, each month we will review the market to investigate if a change in pricing considerations is warranted.

Showing FeedbackBuyer perception is a key factor in the sale of your home. Therefore, as soon as possible after a showing on your home, I will provide you with feedback from the buyer who viewed your home. This information may provide us with details on items that we should concentrate on when marketing your home.

Presenting the OfferOne of the most exciting and complex parts of the sale process, I will be involved in providing you with all of the information you need to make an informed decision when provided with an offer from a potential buyer. From buyer fi nancial information, inspection considerations, closing costs, possession and more, I can give you the information to accept the offer or formulate an attractive counteroffer to the buyer.

Negotiation

As your negotiator, I will be working hard to help you achieve the goals you have set in the sale of your home in the following ways:

Answering ObjectionsAs part of the negotiating process, many buyers have initial objections regarding a home. It is my job to provide them with the information they need to overcome that objection and decide to purchase your home. All Cutler Realtors are trained in the “Consultative Sales Process” which helps them provide information to overcome buyer’s objections quickly.

Asking the Customer to BuyAs part of the Consultative Sales Process, we’re trained to recognize the signals that buyers exhibit enabling us to help the buyer decide to purchase your home quicker, resulting in a faster sale.

Negotiating the SaleAs your negotiator, I will provide you with all of the information on the buyer, their fi nancing and all other contingencies involved with the offer necessary to make an informed decision. This will enable you to accept the offer or formulate an acceptable counteroffer to the buyer.

Purchase AgreementThe purchase agreement is an integral part of the sales process governing the closing process. While there are many different purchase agreement documents in use by different brokerages, as your negotiator, I will explain each part of the agreement in detail, so you will understand the entire closing process.

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Facilitation

As your facilitator, it is my job to promote your home to ensure that you receive the most money quickly, with the least amount of inconvenience. I will utilize the following tools in the process:

Promotion to Local Realtors and Cutler RealtorsPromotion to other local Realtors and over 300 Cutler Realtors is one of the most important facets of the marketing of your home. Over 60% of homes in our area are sold by Realtors other than the listing Realtor, so it is important to “get the word out” on your home to other Realtors so they can get their clients excited about your property. This is accomplished through the use of mass mail, e-mail and personal networking and may include a “Broker’s Open,” where Cutler and other Realtors are invited to view your home personally on a specifi c day and time.

The Power of a Yard SignYard Signs are one of the best ways to promote the sale of your home. Recent National Association of Realtor studies show that over 59% of home buyers found their home as a result of a yard sign.

Multiple Listing Service (MLS)The Multiple Listing Service is a computerized database of real estate information. This database allows members to access information on your home for their clients. As a member of fi ve regional MLS services in Ohio and Kentucky, we can expose your property to the clients of thousands of Realtors throughout the region. In my role as facilitator, I will compile an exhaustive list of all of the features of your home to attract the largest possible number of potential home buyers in the area.

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Open HousesOpen Houses allow us to expose your home to buyers without a private appointment. Open Houses are usually held on Sundays since most buyers view homes on their days off. All of our Open Houses are announced on the Internet, through our website beginning of each week, allowing buyers more time to plan their weekend. More than 50% of buyers visiting our Open Houses fi nd out about them through our website!

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OPENHOUSE

Join us for an

6245 Main St. NE, North Canton

Sunday, January 15th

2:00 - 4:00 p.m.

Relocation Network

Our partnership with Leading Real Estate Companies of the World is another unique service provided by Cutler Real Estate. Relocation is more than simply moving from here to there. At Cutler it implies arrival, settling into work, home, school and activities in a new community, as smoothly as possible. Our specialized team of relocation consultants has the knowledge, experience, and resources to help individuals and families handle the unique challenges of relocating.

As a shareholder of one of the nation’s top real estate services, Cutler is connected to more than 650 member fi rms and more than 4700 offi ces with 120,000 Realtors. As a shareholder of Leading Real Estate Companies of the World, we receive inbound clients of our fellow 120,000 network associates in 24 countries - clients who may be interested in purchasing your home. As soon as your home is posted to our website, it is immediately accessible from the websites of the top real estate fi rms in the country through our network’s “Relo Home Search” program offering nearly 2 million listings online. Leading Real Estate Companies of the World is a pedigree denoting the very best companies with the most qualifi ed clientele, who wish to do business with similar fi rms in their new destination locations, attracting potential buyers for your home as a result.

Our goal at Cutler Relocation puts the customer fi rst by delivering the highest standard of service. Through our Corporate Relocation Services, Cutler provides services tailored to meet the complex and growing needs of today’s corporations and their transferring employees. To fully assist in any and all relocation needs, corporate relocation will provide the following award winning services:

Counseling Prior to Arrival

Customized Relocation Package

School Report Information

Community Tours

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Rental Assistance (Long/Short Term)

Corporate Housing Assistance

Global referral assistance available to buyor sell real estate

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Showing the HomeHouse showings are the most important aspect of the sale process. Therefore, it is important that your home be in showing-ready condition while it is on the market. As your facilitator, I have provided a short list of items that can help maximize the fi rst impression that your home will make on the prospective buyer.

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First Impressions are ImportantThe following tips will make it easier to prepare your property to sell.

The Approach. The fi rst few seconds, when your Realtor arrives with a potential buyer, can literally make or break a sale. Make certain that the fi rst things to come into view are neat and attractive.

The Entry. The front entry area and front door should be warm and inviting. The area should be swept clean, and the door itself should be in good repair (painted, if necessary). A seasonally decorative touch can set the proper inviting tone.

The View. Windows should be clean and sparkling in order to maximize the light entering the home and to provide an inviting scene from the exterior. Keep curtains and window coverings open whenever possible to achieve a bright, open effect.

The Surroundings. Faded or worn paint or papers on the walls and ceilings can create a drab effect throughout the interior and will leave an impression in the buyer’s mind that is hard to erase. Spruce up, paint up, touch up.

The Furnishings. A cluttered look makes every room seem smaller than it really is. Remove extra furnishings wherever possible to give your home a clean, simple appearance. Remember, the buyer is trying to visualize how their furniture will fi t in the home. Make it as easy as possible.

Storage. One of the fi rst things a typical buyer looks for is adequate closet and storage space. Maximize the size of your closets by removing excess items and neatly arranging those items that remain.

Bathrooms and Kitchen. These areas should be clean and spotless. No matter how relaxed a housekeeper the buyers may be in their present home, they will invariably downgrade the desirability of a home if the kitchen and baths are less than spotless. Make sure everything shines!

Fix the Little Things. Loose door knobs, doors that don’t close all the way, screens off the track and cracked window panes are all a part of everyday life, except when you’re selling your house. Little things undone can suggest neglect to a fussy buyer. For top dollar, it’s smart to fi x these items.

Shed Light on Dark Areas. Whenever possible, make sure the lights are turned on in areas of the house that appear dark.

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Preparing Your Home Checklist

OutdoorsKeep lawn neat and mowed. Replace dead plants and keep shrubs pruned.Keep driveway and steps clean of debris.Apply fresh paint as needed and replace damaged bricks or wood siding.Repair any cracked or broken windows and replace old or torn screen doors. Be sure the faucets and sprinklers are in good working order.If you have a pool or spa, be sure it sparkles. Keep the patio area neat and the yard furniture in good repair.

GarageRemove all unnecessary items. Clean the fl oor and tidy the shelves.

BathroomsCheck caulking around tubs and showers.Replace or clean shower curtain.Repair leaking faucets, and replace tile and grout if needed.

ClosetsBe sure lights work and clothes are hung neatly.Shoes or other loose items should be stored in boxes and neatly arranged on shelves.

KitchenReplace counter tile or grout if needed.Clean oven and wax fl oor.Be sure sinks are clean.

Living AreasBe sure drapes and carpets are clean.Apply paint as needed.Be sure all electrical systems and plumbing are in good working order.Replace light bulbs as needed.Clean windows inside and out.

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Communication/FeedbackCommunication is a vital part of the home selling process. From setting up show-ings to providing important feedback from potential buyers and their Realtors, Cutler Realtors strive to make this part of the process worry-free.

Realtors have the option of employing our Showing Time/Call Coordinator system to aid them in this function. Call Coordinators in each offi ce can schedule appoint-ments through this computerized system, logging each showing. In addition, the system has the ability to send out feedback reports to the Realtors that show the properties via e-mail or fax, enabling them to obtain vital feedback quickly!

Another great function of the Showing Time system is its reports. Call Coordina-tors log each call on your property and where it was generated from, so we can gauge how successful our marketing is. All showings are logged as well, allowing your Realtor to provide you with a detailed activity report on your listing, breaking down marketing results and showings.

Pre-Approving BuyersIt is important that we make sure the buyer that becomes interested in your home is qualifi ed to purchase it. As your facilitator, I know the questions that need to be asked to ascertain the buyer’s qualifi cation. In addition, through our in-house lender, Westfi eld Bank, I have the ability to have the buyer pre-approved to ensure that your closing will occur smoothly, without any unwanted surprises.

Personal ReferralsOne of the most underrated sources of buyers is an agent’s sphere of infl uence. As your facilitator, my personal marketing to my sphere of infl uence provides a steady stream of buyers to me, one of which may be just the right buyer for your home!

The Closing ProcessIt is my job to handle the details on the closing of your property. I will facilitate the following items in your closing:

InspectionsWith the help of my closing coordinator, we will arrange for the buyer’s inspectors to inspect your home within the timeframe allotted in your purchase agreement. In addition, I will ensure timely follow-up for the results of the inspections.

FinancingOur closing coordinator will be in constant communication with the buyer’s mortgage company, providing me with detailed updates on the buyer’s fi nancing, which I will communicate to you in a timely manner.

Title WorkWe will ensure professional title work and services through our title partner, Title One, located in our offi ce.

ClosingIf possible, we will coordinate your escrow closing to occur in our offi ce with our partner, Title One.

PossessionI will coordinate possession between you and the buyer and notify the buyer or their agent regarding utility transfers.

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Financing Options

Let our mortgage specialists show you how we are more than just a loan offi cer - we are your personal Mortgage Loan Originators.

Request a consultation. Let’s discuss your fi nancing needs and mortgage options for buying a new home.

Why should you look to us for all your home financing needs?We believe in earning the loyalty of you, our customers. We are committed to customer satisfaction and our goal is to earn your repeat business through exceptional service.

One of our strengths is our professional staff. They are knowledgeable employees that are committed to helping you obtain your home fi nancing goals.

We offer a wide range of products and services to meet your individual needs.

We are a local company who understands your needs and the area in which you live.

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Title One Agency, Inc.

Title ServicesTitle One Agency, Inc., an affi liated company of Cutler Real Estate was established in 1985. Title One is a chartered title company which was formed to provide full title services to the customers of Cutler Real Estate, and also to customers of Westfi eld Bank who do not have an existing relationship with a local attorney or title company.

The services of Title One, when used in conjunction with Westfi eld Bank and/or the real estate company, can greatly reduce the processing time of sales and/or mortgages. In addition to title services, Attorney Jay L. Cutler and Attorney Robert Campbell provide in-house legal consultation on matters pertaining to real estate for the Realtors of Cutler Real Estate.

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Insurance Services

Maconachy Stradley Insurance AgencyOffering high quality insurance plans that meet your unique needs.

Of all the things you have to do when buying a new home the thing that many buyers take for granted is buying insurance. Insuring your new home should be more than a casual act. You need a professional to thoroughly analyze your insurance needs and present a package that will protect your interests.

Maconachy Stradley Insurance Agency is an independent insurance agency representing numerous companies including Cincinnati Insurance Company, Motorists Mutual, Auto Owners, Indiana, Progressive/Drive Insurance and American Physicians Assurance Corporation. This allows them to competitively quote a wide range of products to fi t each customer’s individual needs.

Maconachy Stradley is a full service agency with a full line of Property and Casualty insurance. Maconachy Stradley Insurance Agency, Cutler Real Estate, Westfi eld Bank and Title One Agency, Inc. are members of the “Cutler Family of Companies” joined together to provide you all the benefi ts of “one stop shopping”.

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DotLoop> > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > >

Is My eSignature Legal?Federal and state laws provide that electronic signatures - like those used by DotLoop - are uniformly to the same extent as traditional written signatures. For more information please visit www.ftc.gov.

What is DotLoop?A transaction hub that connects people and documents. DotLoop allows real estate buyers and sellers to review, electronically sign and store their transaction in the most effi cient way.

Why Use DotLoop?

Time Savings: Save as much as 10 hours per transaction byeliminating the need to print, fax, scan and deliver documents.

Convenience: Access the transaction at anytime, anywhere withinternet access!

Security: Add a level of security to one of the most importanttransactions of your life.

How Do I Review & Sign?1. Open the email you receive from your agent and click “View document” button. 2. Review document by scrolling through, or click “Go to fi rst fi eld” to start signing. 3. Click the pink signature/initial fi elds and confi rm signature by clicking “Confi rm and sign” on pop up box. 4. Go to next signature/initial fi eld, if applicable, and fi nally click “Confi rm Signing” when all fi elds are completed. 5. Establish password to create DotLoop account for ease of signing and access to future documents. 6. You will then see your DotLoop account.

Five Critical Elements of a Sale

Asking PriceThis is the number one factor in the sale of your home. Our sales and marketing program provides exposure to a large segment of potential buyers. The actual market value is then determined by what a buyer is willing to pay.

Property LocationThe second most important factor in the buyer’s mind is location. The proximity to area amenities and schools is typically a concern. In addition, street traffic, proximity to expressways and public transportation are considerations.

Property ConditionBuyers look at the structural and mechanical integrity as well as the upkeep and cosmetic appeal of a property. Neutral décor, including floor and wall covering, appliances and fixtures, offers the broadest appeal to potential buyers.

Market ConditionsInterest rates, competition from other properties, the economy and consumer confidence all influence the sale of your home. Each of these factors is beyond our control, so we must respond to these conditions with the appropriate marketing and price considerations.

Contract TermsThe terms of a sale can make or break the contract. House sale contingencies, closing dates, and exclusions of accessories or fixtures should always be handled up front in order to avoid any confusion that could affect the sale.

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Positioning Your Home...in the Marketplace

The pricing triangle represents all of the potential buyers in the market for a given home. As the asking price increases toward the peak of the triangle, the number of potential buyers who are willing to pay a premium price for the home declines, until the buying public perceives that the price is so high that no prospects are attracted at all.

Ideally, you should price your home in the range of actual fair market value. Setting a fair asking price helps you obtain the maximum selling price for your home.

Higher PricesAttract FewBuyers

Number of Buyers

Higher Price $$$

Actual Fair Market Price $$

Lower Price $

Lower PricesAttract Many Buyers

FairMarketValue

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The Drawbacks...of an Overpriced Property

Many sellers think that an overpriced property simply can be reduced if it doesn’t sell. The danger with this approach is that by the time the property is fi nally reduced to its market value, it may have been on the market so long that buyers perceive it to be a tainted property. Buyers then question how long the home has been on the market and why it hasn’t sold. Their offer to purchase, based on that knowledge may be below it’s actual value. As real estate professionals, we use market research to arrive at an initial price that is both realistic and fair to you as the seller, but also attractive to buyers. This pricing process takes in to account a number of key factors, which include the property location and condition, and the market history and current activity.

Initial Above Market Asking Price

Days on the Market

FairMarketValue

1st Price Reduction

2nd Price Reduction

3rd Price Reduction

Final Below MarketSelling Price

0 20 40 60 80 100

Price

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“Couldn’t We Try...This Price for a Couple of Weeks?”

Realtors are constantly on the alert for new properties to show to their active, qualifi ed buyers. As a result, the majority of showings by Realtors on a new listing occur when the house is fi rst placed on the market.

Once this group of Realtors and buyers has seen the property, showing activity decreases to only those buyers new to the market. Therefore, it is important to position your home at the best price during the fi rst market exposure.

A new property on the market generates a high level of interest

Week 1

Act

ivity

Week 2 Week 3 Week 4

Peak market awareness during the fi rst two

weeks on the market

Declining awareness and interest as other new properties arrive

on the market

Continued decline in awareness and interest

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Warranty Benefits

Whether you are selling or buying, HSA Home Warranty protection is one of the most important features of your home. Through the use of the Home Protection Plan administered by Home Security of America, Inc., you are provided with confi dence that protection has been provided against the cost of repairing or replacing mechanical and structural systems in the home which fail due to normal wear and tear.

As a Seller:You’re protected while your home is on the market. Mechanical system failures are covered during the listing period for up to one year - you simply pay a low deductible.

You have a marketing edge. An HSA Home Warranty can help sell your home faster and closer to your asking price. The warranty enhances your home’s value to prospective buyers and helps secure the best possible price for your home.

You’re helping prevent post-sale disputes. If an unexpected failure occurs in your home after the sale, the buyer turns to HSA for resolution instead of you.

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Marketing Program

Mark

eting

Pro

gram

Information Sources used in Home Search

Source: 2012 National Association of RealtorsProfi le of Home Buyers and Sellers

Home Book/Magazine

NewspaperOpenHouse

Yard SignRealtor

90%

18%

27%

45%

53%

87%

InternetSharon FletcherSharon Fletcher, REALTORREALTOR®

330.802.8938 • [email protected] • SFletcher.CutlerHomes.com

I've GotI've Got

2873 Rich Rd.Great brick ranch. Newer windows,

furnace and A/C. Sits on 1.5 acres at

end of dead end street. This gorgeous

setting is convenient to highways and

shopping but tucked away in wonder-

ful seclusion, park like setting, finished

room in basement. $134,500

CutlerHomes.com/1379495

3624 Durham Dr.Large ranch in Mt. Vernon Estates. Great

floor plan, fenced yard, beautifully land-

scaped w/gazebo and deck, newer carpet,

all appliances. 3 bedrooms, master suite

w/large bath, 2.5 baths, treed backyard

private. Wonderfully maintained home.

$230,900CutlerHomes.com/1382193

Vacant Lots in Barberton

New larger lots, sized in New Haven, Friend

Builders Inc. will build, pick from numer-

ous floor plans - customize changes to suit

lifestyle. Amenities, playground, pavilion,

green space, putting green, brucce ball,

sidewaks, streetlights, landscaping included.

$49,000 each.CutlerHomes.com/1387829


85-VL Monroe, Barberton

Friend Builders Inc. Construction starting

for Spring '06. Colonial w/first floor master

suite, offering larger lots, great open floor

plans, sidewalks, streetlights, landscaping.

The Monteray by Friend Builders pictured.



New Construction, Spring '06 Friend Build-

ers Inc. Exciting new floor plans, larger

lots. Amenities abound in new concept

community, picnic pavilion, playground,

putting green, sidewalks, streetlights, green

spaces and landscaped homes. Model of

Friend Builders Inc "Washington" pictured.



New Construction starting Spring '06

- Friend Builders Inc. Exciting new floor

plans. New larger lots, amenities in great

new concept neighborhood, sidewalks,

st. lighting, picnic pavilion, landscaped

homes. This is a representation of

homes built by Friend Builders and not

necessarily the one that will be built on

this lot. Material/color selection is only

representationa. $205,000


3780 Ridgewood Rd.

Desirable Copley location. Great

brick ranch w/land. Newer carpet,

hardwood flooring, ceramic flooring.

3 bedrooms, 1.5 baths, 2 car garage, 2

car detached garage. $183,900


3695 Durham Dr.Custom built Todd Wallace home. Meticu-

lously maintained, great open floor plan,

neutral carpets, flooring, move right in.

Professionally landscaped, underground

sprinklers, finished basement. Best buy

in Mt. Vernon. Easy commute Cleveland/

Akron/Canton. $242,900


106 Park St.Absolutely charming cape on quiet

street. 3 bedrooms, 2 baths, fenced

yard. Super well maintained, land-

scaped and move-in ready. Newer

roof, heat and A/C. Note bay

window. 25 year shingles are 8 years

old. $114,900CutlerHomes.com/1378768

408 Dan St.Charming 2 bedroom ranch nestled

in the trees in a beautiful country set-

ting. Updated kitchen, wood laminate

floor, rec room in walkout basement,

newer carpet, and glass block win-

dows. $88,000CutlerHomes.com/1380592


New Construction starting spring '06 Friend

Builders Inc. Exciting new floor plans, new larger

lots, amenities abound in concept neighborhood,

picnic pavilion, playground, putting green,

horse shoes, greenspaces, sidwalk, st. lighting

and landscaped homes. The Lexington to be

constructed. This is representative of home, but

not necessarily the same materials/colors will be

used. This is a 4 bedroom, 2/5 bath w/first floor

master. Open kitchen/great room and formal

dining room. $230,000


7131 Elgin Dr. SWSpectacular panoramic lake front home.

Unparalleled lake front property. Sprawl-

ing 1 flr living w/views from every vantage

point. Entertaining was clearly priority in this

home design. Huge deck, gas grill, common

living areas have easy flow. Bdrms separated

for optimum privacy. Storage everywhere.


I invite you to visit my website at www.ivegotyourkeys.com

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Internet Exposure

Selling a Home? Why Cutler Real Estate’s Website Marketing works to YOUR Benefi t:

As a seller, our promise to you is to sell your home in the shortest amount of time for the most amount of money with the least inconveniences to you and your family. Our award winning website helps us achieve this goal by utilizing the following:

Each home listed has its own unique Internet address. When your home is advertised in print its’ unique Internet address will be displayed. When readers input your homes’ Internet address they will be taken directly to your homes’ webpage. This direct link will help increase the Internet views of your home.

CutlerHomes.com features multiple photos for your home as well as personalized comments to encourage prospective buyers to schedule a showing.

CutlerHomes.com attracts thousands of buyers daily. If your home matches the buyers search criteria, we will generate a direct email to those customers featuring your property information.

Cutler Real Estate recognizes that one website isn’t enough—and you don’t know where the buyer is looking. Therefore we feature your home on numerous national and local websites as well:

CutlerHomes.comHGTV’s FrontDoor.comPropertyPursuit.comReloHomeSearch.comYahooRealEstate.comAOLRealEstate.comTrulia.com Craigslist.com

On CutlerHomes.com we have made it easy for prospective buyers to receive more information or coordinate a showing on your home.

CutlerHomes.com provides your Cutler Real Estate REALTOR® with a report of exactly how many prospects your home is attracting via the internet. Your Realtor can provide you with this report as well.

LuxuryPortfolio.com focuses on upscale homes, serving the owners, buyers and sellers of these prestigious properties.

With 90% of home buyers starting their search on the internet, it’s to youradvantage to feature your property there, and why not use an awardwinning, buyer-friendly website - CutlerHomes.com!

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CutlerHomes.comHGTV’s FrontDoor.comPropertyPursuit.comReloHomeSearch.comYahooRealEstate.comAOLRealEstate.comTrulia.com Craigslist.com

CutlerHomes.com

To sell your home, you need to expose your home to the most buyers. We now distribute our listings to some of the biggest real estate names on the Internet, Trulia.com, FrontDoor.com and Realtor.com. Together with other popular sites, we market your home to millions of prospective buyers locally and nationally.

Direct Mail

Did you know that direct mail is one of the most effective ways to market your property?

Cutler Realtors are afforded the ability to create custom and stock “Just Listed”, “Just Sold” and “Open House” postcards.

Our Realtors can order their postcards online and within minutes, postcards detailing the features of your home will be sent out to numerous potential buyers!

JUSTSOLD

This Home Was 5201 Mill Street, Akron

JUST LISTED

This Home Was

2442 Court St., Jackson Twp.

Everything new in this designer showcase starter home. The updates have been done with quality in mind. Newer furnace, plumbing, electric, waste lines, tilt-in windows, glass block, updates kitchen & bath with ceramic tile, new carpet & fl ooring throughout. Three season sun room is extra sq. ft. living space. Outside fi replace & patio. So pretty!

SUSIE SMITH(O) 330.000.0000(C) [email protected]

JUST

LIS

TED 2442 Court StreetJackson Township

ADDRESS

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Luxury Portfolio International® is the luxury face of Leading Real

Estate Companies of the World® the largest global network of

premier locally branded companies dominated by many of the

world’s most powerful independent luxury brokerages. Our

award-winning website was launched in 2005 and in its fi rst

year featured more $1 million-plus residences than other luxury real estate organizations.

The network continues to grow and now markets over 25,000 of the world’s most

remarkable homes annually and attracts over 3 million high-net-worth visitors a year by

presenting a gallery of the fi nest luxury properties and brokerage worldwide, our brand

is recognized throughout the world as the luxury standard of excellence.

In addition, we are unmatched in the global arena, with properties in over 47 states in the

US and 30 countries, website visitors from over 200 countries/territories every month, site

translation in nine languages, conversion to multiple currencies and a total inventory of

available properties totaling over $44 billion with an average price over $2.6 million dollars.

The 200 luxury affi liates represent the luxury component of an organization which

encompasses over 500 companies, 4,000 offi ces and 120,000 associates producing $272

billion in sales last year, with over one million transactions in more than 40 countries. Based

in the United States, Luxury Portfolio International® is backed by the experience of the

most well respected and well known experts in luxury real estate in markets worldwide.

This group collectively has decades of experience in the high-end luxury real estate market.

Luxury Portfolio> > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > >

A mortgage short sale is an option to prevent foreclosure. In a short sale situation your lender agrees

to sell the house to a third party for less than what you currently owe on your mortgage. Due to the

recent economy, short sales have become more prevalent. If you are struggling with your monthly

payments and owe more than your home is worth, there is help with a real estate short sale.

Why a Short Sale?

• As a seller you have the most to benefi t in a short sale situation.

• A foreclosure will have a huge effect on your credit report.

• After the sheriff sale is complete and the property is sold, the mortgage lender could sue you for the total loss the lender incurred on the property. This is called a defi ciency judgment.

• A successful short sale allows YOU to walk away from the home without recourse, without a judgment and without a foreclosure on your credit.

• It is truly the best scenario in a bad situation.

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AdditionalInformation

Ad

ditio

nal In

form

ation

Check List for Moving

Before You Leave

Address ChangePost Offi ce: Give forwarding addressCharge accounts, credit cardsSubscriptions: Notice requires several weeksFriends and Relatives

BankTransfer funds, arrange check cashing in new cityArrange credit references

InsuranceNotify company of new location for coverage

UtilitiesGas, light, water, telephone, fuelGet refunds on any deposits

Medical, Dental, Prescription HistoriesAsk doctor and dentist for referralsTransfer needed prescriptions, eyeglasses, X-raysObtain birth records, medical records, etc.

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And Don’t Forget toDefrost freezer and clean refrigerator. Place charcoal to dispel odors.

Have appliances serviced for moving.

Clean rugs or clothing before moving. Have them wrapped for moving.

Check with your Moving Counselor: Insurance coverage, packing & unpacking labor, arrival day, various shipping papers, method and time of expected payment.

Plan for special car needs of infants.

On Moving DayCarry enough cash or travelers checks to cover cost of moving services and expenses until you make banking connections in new city.

Carry all jewelry and documents yourself: or use registered mail.

Plan on transporting pets: they are poor traveling companions if unhappy.

Double-check closets, drawers & shelves to be sure they are empty.

Leave all old keys needed by new tenant or owner with Realtor.

At Your New AddressCheck on service of telephone, gas, electricity & water.

Check pilot light on stove, hot water heater, incinerator & furnace.

Have new address recorded on driver’s license. Register car within 5 days after arrival in state or a penalty may have to be paid when getting new plates. Apply for a state driver’s license.

Register children in school.

Arrange for medical services: doctor, dentist, etc.

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CutlerHomes.com