Attention Anne Arundel County Move-up Buyers:

If You Ignore This Offer It WILL Cost You Thousands of Dollars

If you’re a move-up buyer you’re probably stressed and worried about selling your home in today’s cloudy real estate market.

…On the one hand, you’ve outgrown your current home: the rooms feel smaller, you need space to expand and stretch or maybe you’d like a bigger or better house so you can entertain more people at your house.

…On the other hand, you’re watching the news, you’re looking in the paper, you know how much you owe on your mortgage and you’re worried about making the whole deal work.

…Meanwhile, you know there are great deals out there to be had from the fallen prices in the real estate market.  And you’re worried you may miss out on a “once in a lifetime opportunity”.

Well, stop worrying because I have an offer that will allow you to actually put more money into your pocket when you sell your current home.

This is an Exclusive Offer… Do You Qualify?

Before I explain my offer you need to know this is only available to select move-up buyers in Anne Arundel County who meet the following criteria:

• They have a primary residence to sell in Anne Arundel County.
• They do not currently have their house listed with another agent.
• They do not currently have a Buyers Agency agreement with any other agent.
• They agree to get pre-qualified for their next purchase.
• If they are purchasing a new construction home, then I must accompany them on their first trip to the builder’s sales office.
• They must be looking to purchase a home of equal or greater value than the home they’re selling.They are purchasing a home in Anne Arundel County, Howard County, Prince Georges County or Calvert County.

If you aren’t looking to move to one of these areas after you sell your home, stop reading now because there’s nothing I can do for you.*

Everyone else, keep reading…

First, you need to absolutely know this – in spite of what you might hear, now is one of the best times in history to actually move-up to a bigger and better home.

The reality is that today’s real estate market offers a lot of advantages for homeowners who want to move-up to a larger home.

Let’s just look at the financial benefits of moving-up in today’s market, and this actually has to do with the fact that your house may have lost value over the last few years…because of the declining values in the market you may be able to trade-up in houses and increase your overall equity while doing it.

Look at this example:

If your home used to be worth $300,000 and housing prices across the board have fallen 10%, then you’re going to get $30,000 less than if you had sold your house a few years ago.

But, the fact is the house you’re going to buy is going to be 10% less also.

So if you’re looking to buy a house that was worth $600,000 a few years ago – it is now only worth $540,000.

So you’re giving up $30,000 to save $60,000 when you buy your next home.

This is a net $30,000 gain in overall equity as a result of moving up to a bigger and better home.

And in a lot of cases the larger homes have dropped more in price than starter homes!

And with home affordability at a record-high and interest rates at or near a record-low, you can now move-up and get more for your dollar today than at any time in recent memory.

This is a historic buying opportunity and for you it can mean a home with more bedrooms for the kids or a bigger yard where the dog can play.

Or it might simply mean a larger dinning room for entertaining family and friends.

Whatever your reason, today’s market makes it possible for trade-up buyers like you to afford a home you couldn’t just a few years ago and – might not be able in a few years to come.

One other thing…

As a Move-up Buyer You Are Right In the Middle of the Action:

Thanks to the U.S. Government’s stimulus program and the first time home buyer tax credit – for the first time ever, more than half of all home buyers are first-time home buyers.

Plus, more often than not, the homes these first-time buyers are looking to buy are homes currently owned by move-up buyers.

That home you bought a few years ago as your starter home, can now belong to someone else.

All of these first time buyers may make it easier to sell your home than you may expect.

And on the other side of the coin, since you’re looking to move-up you can benefit from the fact that there are less people looking to buy all of the larger, higher-priced homes that are on the market.

This lack of activity at the higher end of the housing market offers move-up buyers – like you – more negotiating power.

And it also provides the very real possibility of even greater savings on the buy side during the trade-up process.

But don’t take my word for it, here’s what the experts have to say…

WASHINGTON – Pending U.S. home sales in April posted the biggest monthly jump in nearly eight years, a sign that home sales are finally coming to life after a long and painful slump.

The National Association of Realtors says its seasonally adjusted index of sales contracts signed in April rose 6.7 percent to 90.3.

Economists surveyed by Thomson Reuters expected the index would edge up to 85 from a reading of 84.6 in March. It was the biggest monthly jump since October 2001.

Typically there is a one- to two-month lag between a contract and a done deal, so the index is a barometer for future existing home sales. The index was 3.2 percent above last year’s levels and has risen for three straight months after hitting a record low in January.

- June 2nd 2009 – Baltimore Sun

And take a list at this list of reasons from the National Association of Home Builders on why today’s market is ideal for move-up buyers:

1.       Interest rates are at historic lows, which means you can buy more house than you could a year ago — for the same monthly mortgage payment.

2.       Prices have come down. Even if your current home is worth less than during the last housing market peak, your dream home is likely more affordable too.

3.       There are plenty of homes on the market right now, giving you lots of choice—and negotiating power.

4.       You may have outgrown your home, but it’s probably someone else’s ideal starter home. With the $8,000 tax credit expiring Nov. 30, now is the time to market your home to first-time buyers.

“Now may be an ideal time for any family looking to upgrade from their starter home to one more suited to their current or future needs,” said Joe Robson, chairman of the National Association of Home Builders. “Buyers are able to get more home for their money by taking advantage of current prices and interest rates, along with the bargaining power that comes from the large number of homes on the market.”

– April 29, 2009 NAHB

And more:

The Pending Home Sales Index, a forward-looking indicator based on contracts signed in April, rose 6.7 percent to 90.3 from a reading of 84.6 in March, and is 3.2 percent above April 2008 when it was 87.5.

- June 2nd National Association of Realtors

“move-up buyers can take advantage of low interest rates, stable or dropping prices (depending on the neighborhood) and plenty of available homes”

– Washington Times November 7, 2008

“Home buyers across the nation are taking advantage of the record drop in real estate prices and historically low interest rates sparked by the mortgage meltdown and foreclosure crisis to move up into bigger or fancier digs.”

– MSNBC “Math smiles on move-up buyers” April 23rd 2009

“A year ago, we were starting to feel the decline of the whole industry in general.
Today, the market is actually very good and picking back up. The tax stimulus package, coupled with low interest rates, has certainly helped with first-time buyers, which in turn spurs move-up buyers. So there are great opportunities in today’s market.”

– Pittsburgh Post-Gazette May 30, 2009

What remains unclear is just how long this opportunity to move-up to a larger home at an affordable price will last. After several years of price declines, many financial experts are predicting the market is close to a bottom.

In addition, the government’s continued involvement shows that it is committed to stabilizing the housing market to stimulate the economy.

At the same time, there is much speculation that interest rates may begin to rise in the near future after remaining stagnant within the same range for several months.

“Today’s affordable prices and low interest rates have opened a great window of opportunity for all buyers, not just first-time home buyers. The big question is how long the window will stay open before it slams shut.”

– RISMedia June 4, 2009

“Sales of existing homes rose 2.4 percent in May compared to April, according to the National Association of Realtors.

And the median sales price in May was $173,000 up from $166,600 in April. Most of the sales are coming from the low-end.

Some of the surge comes from buyers taking advantage of the first-time buyer tax credit, which expires this fall.”

– WashingtonPost.com June 23, 2009

Now, are you ready to hear the offer?

Here we go…

Right now, and for a limited time, I am offering qualified move-up buyers a special reduced commission rate when they list and sell their home through me.

Call me, and if you qualify, you can sell your house for a total commission of just 4%.

If you haven’t shopped around for real estate services in a while, let me tell you this rate dramatically below what you’ll find from your typical real estate broker.

It’s my own little stimulus program to help out my friends and neighbors of Anne Arundel County.

And how much money can this special reduced rate save you?

Let’s take a look at the potential savings:

If you sell your house for:            you can save:

$200,000                                   $   6000

$300,000                                   $   9000

$400,000                                   $ 12,000

$500,000                                   $ 15,000

If you’re an average move-up buyer in Anne Arundel County then you might sell your home for right around $350,000.

That means you could save up to $10,500 when you sell your home.

That is money in your pocket.

You can spend it any way you want.

You can use it to help pay for the cost of moving, you can go on a trip, or you can use it to decorate the new house.

The choice is yours because it’s your money.

This Is Not From A Discount Broker And It Is Not Some Discounted Real Estate Service

As part of this offer I’m providing a full-suite of real estate services for a reduced commission.

As your full-service Realtor, here is what you can expect when I am your Listing Agent:

• I will research the market and give you the best advice possible on what your sales price should be.
• I will come prepared to the listing appointment with a marketing plan in hand.
• I will walk every room of your home and give you honest and frank advice on how you can stage your home to make it sell faster.
• I will get a full property disclaimer from you and discuss and resolve any issues that might arise so we can avoid any legal troubles.
• I will enter the property into the MLS and put a lock-box and sign on your house as soon as possible.
• I will cast as wide an advertising net as possible and actively market your home using a combination of the following: Direct mail, e-mail and Internet Advertising, Local and Regional Print Advertising, Brokerage flyers, Yard signs, Weekend Directionals, and more.
• I will track all showings and call all agents for their feedback on how your home shows.
• I will communicate immediately with all interested buyers and/or their agents.
• I will provide you with frequent updates on any feedback I’ve received.
• I will present all offers to you as quickly as possible and I’ll give you all the information you need to make an informed decision.
• I will provide professional and objective advice during any negotiations keeping YOUR interest (and not my own) as the #1 Priority.
• Once an offer is accepted, I will double-check that the buyers have been pre-approved for the required loan.
• I am present at the home inspection so I can hear of any issues first hand.
• While under contract, and until settlement, I will make sure all issues are resolved by having frequent and regular contact with everyone involved.
• And I am at settlement to resolve any issues that might arise.

Oh, and one last thing…

I will hold open houses until your home is sold.

Or I’ll terminate the listing.

That’s a deal.

So, what’s the catch?

I’m glad you asked, because there really isn’t one.

The only thing I require from the whole deal is that in addition to letting me sell your home, you allow me the opportunity to represent you as your buyer’s agent when you buy your next home.

Most likely you’d probably use an agent to represent you when you buy your next home any way, by allowing me to perform both duties I can better coordinate the selling of your current home with the purchase of your next home.

And what will that cost you?

Absolutely nothing.

As you may or may not know, real estate agents are paid by the sellers, not the buyers.

So while my exclusive offer will help you save money when you sell your house, you won’t pay anything to me or any other broker when you buy your bigger and better house.

And what can you expect from me as your Buyer’s Agent?

The same full-service professionalism you can expect from me when I sell your home.

Take a look at some of the things you can expect from me as your Buyer’s Agent:

• Prior to showing even one property I will have a serious and genuine discussion about what you are looking for.
• I will make sure you are pre-approved and have a realistic expectation of what you can afford in terms of payment and property.
• I will not only advise you to get an independent home inspection, I’ll be there when it happens.
• I will inform you about home warrantly options.
• I will search the MLS for properties on a daily basis and send you preview listings of any homes that match your needs and wants.
• I will preview any homes prior to showing them to you.
• I will meet you on a frequent and regular basis to show you properties that will your needs.
• I will provide you with all relevant information you’ll need to make a decision.
• When we find the right home, I will provide you with my own comparative market analysis so you know a reasonable offer should be.
• I will present the offer immediately to the seller’s.
• I will provide professional and objective advice during any negotiations keeping YOUR interest (and not my own) as the #1 Priority.
• Once an offer is accepted, I make sure your loan application is complete and all necessary documents have been received by your loan officer.
• While under contract, and until settlement, I will make sure all issues are resolved by having frequent and regular contact with everyone involved.
• I am at settlement to resolve any issues that might arise.

And again, as your Buyer’s Agent, you don’t have to pay me anything.

You Have Nothing to Lose

I only get paid if I perform.  You don’t pay anything until we settle.

If we don’t settle, I don’t get paid.

What if I don’t sell your home?

In the unlikely event I can not get your home sold – then you’ll pay me nothing.  The money and time I invested to sell your home will be my loss, not yours.

What if we don’t find a home to buy?

Again, if we’re not able to find you the right home at the right price, we can cancel the listing on your current home and you’ll owe me nothing.

This sounds too good to be true, are there any other catches?  What about admin fees?

If you’ve talked to anyone who has bought or sold a home in the last few years you know that it is now customary for agents to charge admin fees in addition to their regular commission.

A lot of agents acting as listing agents or buyers agents charge these fees to cover the extra overhead costs associated with the processing of contracts, running their offices, etc.  In fact many of these agents are just passing on costs that their broker’s charge to them.

To be honest, my situation isn’t much different.  Anne Arundel Properties, the company I work for, also charges an admin fee for each transaction to cover the cost of processing and storing the records associated with the deal.

But as part of this special offer I’m going to pay for that out of my pocket.

So, you can add one more thing to this offer:

No Admin Fees Ever

All real estate commissions are negotiable, but did you know some real estate agents charge as much as 8% or 9% to sell your home, and then they also charge you an admin fee on top of that.

I’ve heard people complain that they pay their agent that much money and then they never hear from their agents, or the agents refuse to hold open houses.

The homeowners are stuck waiting until the listing agreement expires until they can get a more responsive agent.

With this special offer, I’m not going to charge you 9%, or even 5%.

Your total commission to all agents will be 4% – that’s it.

And no admin fees.  Ever.

Now, I don’t want you to get the wrong idea.

It is still a tough market out there. Foreclosures and short sales are undercutting the prices of existing homes.

So even though I’m confident your home will sell, you should be prepared for it to take some time.

How long exactly will depend on the condition of your house and the price you ask for it.

This is something we’ll discuss in detail when we meet.

Benefits of the Move-Up Buyer Program:

• I will coordinate both settlements of the sale and the purchase of both properties.
• You receive the same professional service as you should normally expect from a full service Realtor.
• You have one exclusive agent to handle all of the details.
• Open Houses until your home is sold.
• No Admin Fees Ever.
• AND you save thousands of dollars in the process.

If you give me 20 minutes – I’ll show you how to save thousands on the sale of your home.

Call me today to set-up a listing appointment.

Or if you prefer you can e-mail me.

I am a licensed Realtor with Anne Arundel Properties 410-224-0155.

P.S. – If you contact me right now, and you use Heritage Financial and Heritage Title Company to do the settlement of your new home, you’ll get an extra $1000 off the closing costs of your transactions.

P.S.S. – Due to the high level of professional service that I’m offering through this special, I can only do a limited amount of these transactions at any given time.

If I was to do any more than that then I’d be shorting someone out of something.

When you take all of the things into consideration that I’ll be doing for you: advertising, open houses, showings, etc. – it wouldn’t be fair to you or any of my other clients for me to spread myself too thin.

Therefore, this is NOT an unlimited service.

As much as it pains me, if I get a full load of listings, I’ll have to turn away clients.  Even if that means I’ll be turning away money, I have to do it – there just isn’t any other way for me to keep up the level of service that my clients expect of me.

And my clients have to come first.

So unfortunately, this offer is on a first come first served basis.

So Call Me Today.

Vinny Goldsmith

301-452-7906

*Note:  If you are looking to sell your home, but you don’t intend to buy another home in any of the surrounding areas, I can still work as your listing agent.

You’ll get all of the above services that I’ve listed above, it’ll just cost a little bit more.

Due to the time and expense that I invest into each listing, I typically charge a 5% listing commission.  If you feel this is something you’d be interested in then please call me at 301-452-7906 to discuss it.

If your home is currently listed with another brokerage, this is not a solicitation. MLS, Multiple Listings and Realtor are registered trademarks of the National Association of Realtors. Price and terms subject to change without notice. Buyers and Sellers may choose to end contract at any time.