BuyerGuide

THE COMPLETE
HOME BUYING GUIDE
e Laura@LauraAndersonRealtor.com
e Hello@Bellanitta.Realtor

A Sound
In my experience, a home isn’t a dream home because of its room dimensions. It’s about
how you feel when you walk through the front door, and the way you can instantly
envision your life unfolding there. This is about more than real estate - it‘s about your life
and your dreams.
I understand you are looking for a new home, and I want to be the real estate professional
to help you. I work with each of my clients individually, taking
the time to understand their unique needs and lifestyle, and I want to do the same for you.
It’s incredibly fullling to know I am helping my clients open
a new chapter of their lives. That’s why I work so hard to not only nd that perfect home,
but also to handle every last detail of the purchase process,
from negotiating the terms of sale to recommending moving companies.
This package contains helpful information for home buyers, including an overview of the
entire purchase process, answers to frequently asked
questions, and fact sheets to help me discover the home and neighborhood
characteristics most important to you. After you’ve had the chance to
review this information, I’ll meet to go over the entire process and get started on nding
your new home. I’ll prepare an in-depth, customized package
of homes for you to review, highlighting properties that meet your criteria in
neighborhoods that suit your lifestyle. I am so excited to get started on
nding you the perfect home.
Warmest Regards,
LAURA ANDERSON
Your Realtor for Life.

MY PROMISE
Real
Value
Experience
To Laura Anderson, the real estate business means more than just selling
houses. It’s about helping her clients achieve their dreams. Laura is a
top-producing agent with the Larchmont-Los Angeles oce of Keller
Williams. Year after year Laura has been named a Top Producer at the KW
Larchmont oce, where she is honored to serve on the Agent Leadership
Council.
GIVING BACK
Laura Anderson
Top Producer | Agent
Leadership Council
CREDENTIALS
Senior Real Estate Specialist
(SRES)
Member of the National
Association of REALTOR® (NAR)
President of the local
Neighbors United Association
Business representative of the
P.I.C.O Neighborhood Council
Top Producer
Agent Leadership Council
Laura's commitment to the community
is at the heart of her business. Laura lives,
works, and gives back!
For every sale Laura donates a portion to
the following charities.
Laura learned the real estate business from her mother Gloria, who was a
top agent and manager in the Detroit area and in Santa Monica, Laura’s
early career was in the entertainment industry, producing commercials
globally with award-winning producers and directors. Eventually Laura
felt called to follow her mother’s footsteps into the real estate business.
The organizational skills she learned managing large productions were
perfectly suited to her role as a top-producing real estate agent: attention
to detail; an expert grasp of numbers and negotiating skills; an ability to
bring people together for a common goal, and a unique set of sales and
marketing strategies learned from the most creative advertising and
marketing minds in the world.
Laura Anderson is a member of the National Association of REALTORS®
(NAR), and is particularly proud of having earned the NAR’s SRES®
designation. As a Seniors Real Estate Specialist, Laura works with clients
aged 55+ as they face challenging decisions about estate planning,
retirement, changing careers, downsizing, adapting their homes to “age in
place,” moving to new homes or communities out of state, or moving into
local independent or assisted living facilities.
Laura is deeply involved with her community, supporting the Good
Shepherd Shelter, and her Annual Food Drive. She donates a portion of
the commission she receives with each sale to local charities. Laura lives
in Faircrest Heights – a mid-Los Angeles neighborhood where of the she
serves as President of the local Neighbors United Association, as well as a
business representative on the board of the P.I.C.O. Neighborhood Council,
which includes nearby neighborhoods. This central location enables Laura
to be a neighborhood specialist for some of the most popular areas on the
West Side of Los Angeles – Beverly Hills, Culver City, Downtown LA,
Faircrest Heights, Picfair Village, Hollywood Hills/Los Feliz, Beverlywood,
Reynier Village, and Playa Del Rey.

MY PROMISE
Senior Real Estate
Specialist®
Your Senior Real Estate Specialist® (SRES®)
I have a passion for working with older adults and their families. I specialize in representing clients aged 55+ as they face
challenging decisions about estate planning, retirement, changing careers, downsizing, adapting their homes to “age in
place,” moving to new homes or communities out of state, or moving into local independent or assisted living facilities along
with trust and probate sales. My knowledge combined with my network of professional vendors prove to be a valuable
resource to many of my senior clients especially when it comes to buying, selling, renting, and/or relocating. Whether you’re
an empty nester looking to downsize or newly retired and searching for your dream home, you probably have a lot of
questions. Let’s sit down to discuss all of your options so you can be better prepared for your next move.
Being SRES® certified and your local real estate expert, I’m constantly consulting my senior clients with their real estate
needs, including:
– Helping you manage the financial and emotional challenges of selling a long-held family home
– Creating a customized plan to market and sell your property
– Understanding your unique needs and creating a customized plan to ensure your home meets those needs now and in the
future
– Utilizing specialized knowledge in reverse mortgages, 401(k) accounts, and IRAs for your real estate transaction
– Connecting you with their vast network of movers, attorneys, home inspectors, and other experts to help you through the
process
What is a SRES®?
A Seniors Real Estate Specialist® (SRES®) is a REALTOR® who is uniquely qualified to assist seniors in housing sales and
purchases. The SRES® designation is awarded only to REALTORS® who have successfully completed a series of educational
courses on how to help seniors and their families with later-in-life real estate transactions. They also draw upon the
expertise of a network of senior specialists, such as estate planners, CPAs, and eldercare lawyers, and are familiar with local
community resources and services. Their mission is to help seniors and their families navigate the maze of financial, legal
and emotional issues that accompany the sale of the home.
What qualities make an SRES® different?
– Has knowledge, experience and compassion in dealing with senior issues.
– Works first and foremost with the best interests of the client in mind.
– Can suggest housing alternatives, including ones that may allow an aging parent to remain in the home instead of selling it.
– Takes a no-pressure approach to the transaction and has a strong service orientation.
– Will take the time needed to make a client feel comfortable with the complex selling process.
– Understands the emotional demands a sale can make on a senior, and tries to minimize them.
– Tailors the marketing of a home to the needs of an older client.
– Can interact easily with all generations, including seniors, adult children and caretakers.
– Is knowledgeable about local senior housing options and elder support services.
– Has a wide network of other senior-focused professionals who can assist in tax counseling, financial and estate planning,
and other aspects of the sale and move.

MY PROMISE
Senior Real Estate
Specialist®
Why use an SRES®?
Over the age of 50 and considering selling the family home?
You need a REALTOR® with senior experience, knowledge and marketing savvy. Those qualities, along with a special
knowledge of managing the sale of a home for those over the age of 50, are what SRES® designees can bring to your next
real estate transaction. SRES® designees are certified senior specialists and astute to the financial and emotional challenges
senior clients face when they sell a long-held family home. SRES® designees not only can create a customized approach to
marketing and selling your property, but they also can work with you to explore your housing options to ensure that your
next home best serves your current and future needs. Such certified specialists have special knowledge about everything
from reverse mortgages and the importance of universal design to the uses of pensions, 401k accounts, and IRAs in real
estate transactions. They’ll also help you steer clear of loan schemes and scams that victimize aged 50+ borrowers. And
when you need help from other professionals, SRES® designees can tap their network and put you in touch with qualified
home inspectors, movers, attorneys, CPAs and other experts. SRES® designees have all the resources and knowledge to
simplify the transaction and eliminate the anxiety of selling your home. So if you’re thinking of buying, selling, renting or
relocating, I’m the local real estate expert in your area and can help you with your real estate transaction.
Let’s Review Your Situation
Nearly everyone wishes to age in place as they grow older. But often, the spacious family house becomes too burdensome,
financially and physically, to maintain for my clients 55+.
Determining your next step?
It can entail a complex set of decisions relating to finances, ideal over 50 housing locations and property types, as well as
anticipating future needs as you or your loved ones age.
I will consult with you to review your current housing situation and outline the topics to weigh as you consider your next
move. We will discuss pertinent information on 50+ housing trends, financing and market conditions.
You’ll have access to my team of experts and advisors to help you with every step while you’re exploring your options and
determining the very best place to call home.

MY PROMISE
Real
Value
Your
Realtor®
Bellanitta Guerra
Buyer’s Agent |
Realtor®
CREDENTIALS
BA in English from Channel Islands
University
Member of National Association of
Realtors (NAR)
Member of California Association of
Realtors (CAR)
Member of the Beverly Hills Greater
Los Angeles Association of Realtors
(BHGLAAR)
7 Reasons to Work With a REALTOR®
REALTORS® aren’t just agents. They’re professional members of the National
Association of REALTORS® and subscribe to its strict code of ethics. This is
the REALTOR® dierence for home buyers:
1. Ethical treatment.
Every REALTOR® must adhere to a strict code of ethics, which is based on
professionalism and protection of the public. As a REALTOR®’s client, you
can expect honest and ethical treatment in all transaction-related matters.
The rst obligation is to you, the client.
2. An expert guide.
Buying a home usually requires dozens of forms, reports, disclosures, and
other technical documents. A knowledgeable expert will help you prepare
the best deal, and avoid delays or costly mistakes. Also, there’s a lot of jargon
involved, so you want to work with a professional who can speak the
language.
3. Objective information and opinions.
REALTORS® can provide local information on utilities, zoning, schools, and
more. They also have objective information about each property. REALTORs®
can use that data to help you determine if the property has what you need.
By understanding both your needs and search area, they can also point out
neighborhoods you don’t know much about but that might suit your needs
better than you’d thought.
4. Expanded search power.
Sometimes properties are available but not actively advertised. A REALTOR®
can help you nd opportunities not listed on home search sites and can help
you avoid out-of-date listings that might be showing up as available online
but are no longer on the market.
5. Negotiation knowledge.
There are many factors up for discussion in a deal. A REALTOR® will look at
every angle from your perspective, including crafting a purchase agreement
that allows enough time for you to complete inspections and investigations
of the property before you are bound to complete the purchase.
6. Up-to-date experience.
Most people buy only a few homes in their lifetime, usually with quite a few
years in between each purchase. Even if you’ve done it before, laws and
regulations change. REALTORS® handle hundreds of transactions over the
course of their career.
7. Your rock during emotional moments.
A home is so much more than four walls and a roof. And for most people,
property represents the biggest purchase they’ll ever make. Having a
concerned, but objective, third party helps you stay focused on the issues
most important to you.

The Guide to
Buying a Home
My real estate business has been built around one guiding principle:
It’s all about you.
Your needs
Your dreams
Your concerns
Your questions
Your finances
Your time
Your life
My focus is on your complete satisfaction. In fact, I work to get the job done so well, you will want
to tell your friends and associates about it. Maybe that’s why more than 50 percent of my business
comes from repeat customers and referrals.
Good service speaks for itself. I’m looking forward to the opportunity to earn your referrals, too!
Its All
About
You
Our Team's Approach
As a Buyer’s Agent Team, we work with a select few
individuals at a time, customizing a plan to work
together to find and obtain the right house for you.
After we have an accepted offer, we utilize our
extensive resources and services, along with our own
proven reputation and relationships in the real estate
industry, to guide and protect you through as
seamless a transaction as possible, all the while
negotiating for your absolute best dollar value.
A good Listing Agent knows the advantage of
working with a Buyer’s Agent that not only has an
established reputation in the industry, but also is
affiliated with a major company like Keller Williams.
Such a Buyer’s Agent gives added appeal to the
buyer’s offer, sometimes factoring heavily when
dollar amounts are close in multiple offer situations,
because it adds to the likelihood of a successfully
closed deal.
The best part of doing what we do is knowing that we get to help people “find their way home”. It’s
a big city. It’s easy to get lost and feel like it’s moving a mile a minute. We understood how
important it was to find a neighborhood that felt like a community and a be in a home that makes
you smile. This is what we focus on in our business. We are a community driven team we bring
our personal touches and details to the experience of anyone looking for real estate here. Not
just to find a wood frame structure and 4 walls, but to really find a place that encompasses
everything our client is looking for in a place to call home.

The Guide to
Buying a Home
Home
Buying Process
I love helping buyers nd their dream home. That’s why I work with each client individually, taking the me
to understand their unique lifestyles, needs and wishes. This is about more than a certain number of
bedrooms or a parcular zip code. This is about your life. And it’s important to me.
When you work with our team, you get:
- A knowledgeable and professional REALTOR®
- A commied ally to negoate on your behalf
- The backing of a trusted company, Keller Williams Realty
I have the systems in place to streamline the home-buying process for you. As part of my service, I will
commit to helping you with your home search by:
- Previewing homes in advance on your behalf
- Personally touring homes and neighborhoods with you
- Keeping you informed of new homes on the market
- Helping you preview homes on the web
- Advising you of other homes that have sold and for how much
- Working with you unl we nd the home of your dreams

YOUR DREAM HOME
Finding Your Way Home
Has Never
Been Simpler
My app makes
achieving your
homeownership goals
more accessible than
ever before.
So much more than search,
its industry-leading feature
set and rich insights will
prepare you to handle (and
enjoy) the entire journey.
Get to know my favorite
features before you take it
for a spin.
Guide
When middle-of-the-night questions come up or you want real-time
information about the status of your transaction, Guide gives you the
tools to anticipate and act on every step of the buying process. Paired
with my expertise, you'll have everything you need to light your way home.
Search
Find your dream home in whatever way works best for you. Whether by
neighborhood, school district, ZIP code, and more, my app has the tools
to flex with your needs, even when your search extends nationally.
Neighborhoods
Get real-time stats on specific communities and go deeper to see what
makes them tick. From the locals' favorite coffee shop to the book club
that meets once a week, you'll get an idea of what it's like to actually
live there.
Collections
Ready to
download my
app?
Your search results will be filled with homes you want to save … and some
you'd rather forget. My app lets you “favorite” the homes you love and hide
the ones you don't. Create Collections to organize your favorites so you
can share and find them with ease and discuss with whomever you please.
Scan barcode

MY PROMISE
Searching
MY KW APP
COVID-19 doesn't have to impact your
search for the perfect home. Below are
some of the precautions I am taking
to maximize your search results while
minimizing your risk.
With my KW App, you can safely search for your
next home from the comfort of your current one.
Search properties via zip code, neighborhood, or
school district and schedule a virtual tour of the
ones you love directly in the app!
SOCIALLY DISTANT TOURS
Want to see a property in person before making
an oer? Reach out to schedule a private tour
following these social distancing guidelines:
• Maximum of four people per appointment (ve
including myself)
• General symptoms assessment upon arrival
(including temperature check)
• Masks to be worn over the nose and mouth at
all times while on property
• Disposable shoe coverings to be worn at all
times while inside the house
• Appointments will last no more than an hour
• Majority of discussion will take place in
well-ventilated areas
• High-touch surfaces will be disinfected after
showing
• All follow-up paperwork will be conducted
digitally
CONTACTLESS TRANSACTIONS
These safety measures are standard
for all transactions, but I am more
than happy to honor any additional
precautions you have in mind.
All showing requests, oers, and as much of
the closing process as possible will be handled
digitally. Any necessary in-person interactions
will take place in well-ventilated areas following
social distancing guidelines.

The Guide to
Buying a Home
Mortgage &
LoanProcess
Funding Your Home Purchase
1 Financial pre-qualification 4
or pre-approval
2
Application and interview
Buyer provides pertinent
documentation, including
verification of employment
Credit report requested
Appraisal scheduled for
current home owned, if any
Underwriting
Loan package is submitted
to underwriter for approval
5
Title company
Title exam, insurance and title
survey conducted
Borrowers come in for final
signatures
Funding
Lender review the loan package
Funds are transferred by wire
3
Loan approval
Parties are notified of
approval
Loan documents are
completed and sent to title

The Guide to
Buying a Home
Making
Offer
The
Price
The
Move-in
Date
Additional
Property
Once you have found the property you want, we will
write a purchase agreement. While much of the
agreement is standard, there are a few areas that we
can negotiate:
What you offer on a property depends on its condition, length of
time on the market, buyer activity, and the urgency of the seller.
While some buyers want to make a low offer just to see if the seller
accepts, this often isn’t a smart choice, because the seller may be
insulted and decide not to negotiate at all.
If you can be flexible on the possession date, the seller will be
more apt to choose your offer over others.
Often, the seller plans on leaving major appliances in the
home; however, which items stay or go is often a matter of
negotiation. Typically, you will not be present at the offer
presentation - we will present it to the listing agent and/or seller.
The seller will then do one of the following:
- Accept the offer
- Reject the offer
- Counter the offer with changes
CONGRATS!
YOU'RE APPROVED
FOR A LOAN!
Follow these tips to
protect your loan.
DO:
Notify your lender of any address
change, whether it's your home
address or another listed on your
application
Notify your lender of any salary
or wage changes
Be prepared to provide proof of
significant bank deposits
Acquire homeowner's insurance
immediately after going under contract
Keep all forms of debt paid
and in check
DO NOT:
Make large purchases using existing
credit without first talking to your lender
Apply for or acquire any additional lines
of credit
By far the most common is the counteroffer. In these cases, my experience
and negotiating skills become powerful in representing your best interests.
When a counteroffer is presented, you and I will work together to review
each specific area of it, making sure that we move forward with your goals
in mind and ensuring that we negotiate the best possible price and terms
on your behalf.
Pay off, transfer, or close credit balances
unless your lender instructs you to do so
Change jobs without first talking to
your lender
Co-sign for another person seeking
to obtain a line of credit or to make a
purchase
Pay off collections before conferring
with your lender
HAVE-ON-HAND
A month's worth of your most
recent pay stubs
Copies of your federal tax returns
and W-2’s from the last two years
The names and addresses of
your employers over the last
two years, compiled into
one list
Last two months of
bank statements
A copy of your real estate
agreement
The names and addresses of
your landlords over the past
two years
Divorce/separation decree
Child support papers
Bankruptcy, discharge of
bankruptcy papers

The Guide to
Buying a Home
Escrow Process
(Based on a 30 day Escrow)
Closing 101
Own It
Transfer of tle moves ownership of the property from the seller to you. The two events that make this
happen are:
Delivery of the buyer funds
This is the check or wire funds provided by your lender in the amount of the loan.
Delivery of the deed
A deed is the document that transfers ownership of real estate. The deed names the seller and buyer, gives
a legal descripon of the property, and contains the notarized signatures of the seller and witnesses.
At the end of closing, the deed will be recorded at the county clerk’s oce. It will be sent to you aer
processing.
The best part is when we give you the keys to your new home!

FAQ's
Frequently
AskedQuestions
Do I Need a Real Estate Agent?
Real estate agents can help you narrow your
housing options. The U.S. Department of
Housing and Urban Development
recommends the use of a real estate agent.
Make sure the agent works for you so the
agent will be working for your interests. Your
agent can take your criteria for a home,
including cost, neighborhood, schools, home
size and amenities, and match it with the
Multiple Listing Service (MLS), which lists all
of the homes for sale in a particular area. If
you’re purchasing government housing,
such as a HUD home, you must have an
agent.
What Are the Up-Front Costs?
You are responsible for two upfront costs
when you buy a home. First there is earnest
money, which is a small deposit that lets the
seller know you’re serious about buying the
home. Earnest money can be anywhere from
$500 to $2,000. The second is the down
payment, which is a percentage of the cost of
the home. Lenders have different
requirements for down payments. Traditional
lenders usually seek a down payment of at
least 10 percent. Lenders backed by the
government can seek less, if you qualify. FHA
has a program where you are only required to
make a 3 percent down payment.
What Happens at Closing?
Closing is when you sign all of the loan and
ownership paperwork and take over the
home. At closing you will be responsible for
taking care of some costs, including title
insurance and points to lower the interest rate
on your mortgage, along with fees for loan
origination, loan applications, appraisals,
housing surveys and even your first month of
homeowner’s insurance. These costs can be
up to 8 percent of your purchase price.
How will you tell me about the
newest homes available?
The Multiple Listing Service Website provides
up-to-date information for every home on the
market. I constantly check the New on Market list
so I can be on the lookout for my clients. I will get
you this information right away, the way that is
most convenient for you; by phone and/or email.
Will you inform me of homes
from all real estate
companies or only Keller
Williams Realty?
I will keep you informed of all homes. I want to
help you find your dream home, which means I
need to stay on top of every home that’s
available on the market.
Can you help me find new
construction homes?
Yes, I can work with most builders and get you
the information you need to make a decision.
On your first visit with the builder, I will
accompany you. By using my services with a
new construction home purchase, you will
receive the services I offer, as well as those
provided by the builder, at no additional cost.
How does for sale by owner
(FSBO) work?
Homeowners trying to sell their home without
agent representation are usually doing so in
the hopes of saving the commission. If you see
a FSBO and want the advantages of my
services, let me contact the owner for you and
make an appointment. Most times the
homeowner will work with an agent, even
though their home is not listed, since the
agent is introducing a potential buyer to their
property.
Can we go back through our
property again once an offer is
made, but before possession?
Usually, I can notify the seller and schedule a
convenient time to visit the property again.
Immediately before the closing, I will schedule
a final walkthrough and inspection of your
new home.

FAQ's +
Moving Checklist
Frequently Asked Questions - Cont..
Once my offer is accepted, what should I do?
Once all applicable inspections are completed, celebrate and focus on moving into your new home! You will want to
schedule your move, pack items and notify busin esses of your address change. I will provide you with a moving
checklist to help you remember all the details. I will also give you a good faith estimate and HUD statement, which
will indicate the amount you will need to bring to closing.
Moving Checklist
Above &Beyond
To me, providing exceptional service involves more than just making your real estate dreams come true. It requires
taking the next logical step; helping you thro ugh the details after you officially own your home.
I have worked with the following service professionals, and highly recommend them to my clients:
General Property Inspectors:
- Makai Building Inspection David Hext - 310.502.9518, makaibuildinginspection.com,
info@makaibuildinginspection@yahoo.com
- Inspection Pros Garett Martell - 855.200.7767, inspectorgarett@gmail.com
Termite & Pest ControI inspection & Service:
Del Rio Pest Control Fernando Gonzalez – 626.930.8722
Retrofit Inspection & Service:
LA Water & Gas Venus & Isreal – 818.774.9600
Sewer Line Inspection:
Pete the Plumber Pete & Chris – 323.654.5404
Chimney & Fireplace Inspection & Service:
Chimney Inspection Office line – 818.244.6639, service@chimneysafetyexperts.com
Chimney Doctor Mike Lowe – 818.383.1441
Roof Inspector:
Top Roofing Marc Ravid– 323.509.7774, toproofing1@gmail.com, latoproofing.com

GLOSSARY
Commonly
Used Terms
ANNUAL HOUSEHOLD INCOME
Collective income from everyone in
your household before taxes or other
deductions are taken, investment income
or dividends, Social Security benefits,
alimony, and retirement fund withdrawals.
APR
APR refers to the annual percentage
rate, which is the interest rate you'll pay
expressed as a yearly rate averaged over
the full term of the loan. APR includes
lender fees in the rate, so it's usually higher
than your mortgage interest rate.
APPRAISAL
A written justification of the price paid for a
property, primarily based on an analysis of
comparable sales of similar homes nearby.
APPRAISED VALUE
An opinion of a property's fair market value,
based on an appraiser's knowledge,
experience, and analysis of the property.
Since an appraisal is based primarily on
comparable sales, and the most recent
sale is the one on the property in question,
the appraisal usually comes out at the
purchase price.
CLOSING COSTS
Generally 2 to 5 percent of the purchase
price include lender fees, recording fees,
transfer taxes, third-party fees such as title
insurance, and prepaids and escrows such
as homeowner's insurance, property taxes,
and HOA fees.
CLOSING DISCLOSURE
A document that provides an itemized
listing of the funds that were paid or
disbursed at closing.
DEED
The legal document conveying title to
a property.
DOWN PAYMENT
A cash payment of a percentage
of the sales price of the home that
buyers pay at closing. Different
lenders and loan programs require
various down payment amounts such
as 3 percent, 5 percent, or 20 percent
of the purchase price.
EARNEST MONEY DEPOSIT
Also known as an escrow deposit,
earnest money is a dollar amount
buyers put into an escrow account
after a seller accepts their offer.
Buyers do this to show the seller
that they're entering a real estate
transaction in good faith.
ENCUMBRANCE
Anything that affects or limits the
fee simple title to a property, such
as mortgages, leases, easements,
or restrictions.
EQUITY
A homeowner's financial interest in
a property. Equity is the difference
between the fair market value of the
property and the amount still owed on
its mortgage and other liens.
ESCROW
Putting something of value, like a
deed or money, in the custody of
a neutral third party until certain
conditions are met.

GLOSSARY
HOMEOWNERS ASSOCIATION FEE (HOA)
A fee required when you buy a home
located within a community with an HOA
that typically pays for maintenance and
improvements of common areas and may
include the use of amenities.
HOMEOWNER'S INSURANCE
Insurance that provides you with property
and liability protection for your property
and family from damages from a natural
disaster or accident. Lenders usually
require borrowers to buy
homeowner's insurance.
HOME WARRANTY
A contract between a homeowner and a
home warranty company that provides for
discounted repair and replacement service
on a home's major components, such as
the furnace, air conditioning, plumbing,
and electrical systems.
LENDER FEES
Part of the closing costs of a home
purchase and may include an application
fee, attorney fees, and recording fees. The
lender's underwriting or origination fee is
usually 1 percent of the loan amount.
LOAN TYPES
Mortgages have different terms ranging
from 10 to 30 years and are available
with fixed or adjustable interest rates.
Your lender can discuss down payment,
insurance, credit requirements, and other
specifics of various loan types.
MONTHLY DEBT
The minimum payment on credit card
debt; auto, student, and personal loan
payments; and alimony or child support.
Rent or mortgage for a property that you
will pay after your home purchase must
also be included.
MORTGAGE
A loan from a bank, credit union, or
other financial institution that relies
on real estate for collateral. The bank
provides money to buy the property,
and the borrower agrees to monthly
payments until the loan is fully repaid.
MORTGAGE INSURANCE
Insurance that protects the lender
and repays part of the loan if the
borrower defaults and the loan can't
be fully repaid by a foreclosure sale.
Usually required on loans with less
than a 20 percent down payment.
PROPERTY TAXES
Typically imposed by local
governments on real property
including residential real estate. The
tax rate can change annually, and
the assessed value of your property is
usually recalculated annually.
PREPAIDS
Prepaids are expenses paid at
the closing for bills that are not
technically due yet, such as property
taxes, homeowner's insurance,
mortgage insurance, and HOA fees.
THIRD-PARTY FEES
Any closing costs charged by
someone other than your lender,
typically including fees for an
appraisal, a property survey, a title
search, owner's and lender's title
insurance, and sometimes
an attorney.

MY PROMISE
"Laura made us feel like we were her only clients. Immediate responses, quick turnaround
time, endless phone calls to talk us off ledges, hold our hands, give her impartial advice or
patiently walk us through the process of first-time home buying. Her knowledge, skill and
customer service are all top notch, but with Laura you also get an agent who is sensitive to
the emotional roller coaster of the home buying process."
Suzanne & Max – Happy Buyers
10960 Longford St, Sylmar
“Laura is a rarity - knowledgeable, experienced, genuine, and trustworthy. Her skills and
character produce phenomenal results. She’s my go to for any real estate purchase or sale.
I’d recommend anyone searching for help buying or selling to have Laura by your side. She
will guide you through it all, and with a calmness and confidence to know you’re going to
rock it. Trust me you have nothing to lose.”
Ravinder Khalsa – Happy Seller & Buyer
1949 S Crescent Heights Blvd, Faircrest Heights
“Laura was both our buying and selling agent and worked tirelessly to help us achieve our
goals. She guided us through the entire process, helped keep us focused on what we needed
to accomplish, and addressed our concerns with patience and sensitivity. We would
definitely recommend her!”
Brad & Nancy Leeds – Happy Buyers & Sellers
8162 Manitoba #214, Playa del Rey
“I cannot say enough about my experience with Laura, she was thorough, diligent, and
understanding. Making every part of the home buying process enjoyable. This was our first
home purchase and it definitely will not be our last. And I can guarantee Laura will be our
agent next time.”
Tim Duenas & Tabitha Baker - Happy Buyer
2050 Panamint, Los Angeles
"Laura Anderson will always be highly recommended by me. She is extremely
knowledgeable, responsive and a true professional! I was sent daily listings within my price
range to review and possibly go for a showing of all interested listings. With her guidance, I
was able to visit open house for several properties. She was available to review properties
and assist with showings of all the properties I showed interest. Once I found a property to
make an offer on, she helped me come up with a offer amount and communicated with the
listing agent to work her magic to get the deal done for me. She helped me connect to a
funding source that helped me get what I needed to close the transaction.”
Tim Duenas & Tabitha Baker - Happy Buyer
2050 Panamint, Los Angeles
“Almost 6 years ago I met Laura Anderson when I was searching for my first home, and since
the beginning she has been more than amazing with helping me with the process of home
ownership! Anytime I had a question Laura was available, and there was never an issue that
Laura could not help me to solve. Now, here I am selling my beloved home and guess who
was by my side? Laura is more than a Realtor to me, she has become Family."
Loren Turner – Happy Seller & Buyer
Long Beach

MY PROMISE
Promise
to
To consistently and clearly
communicate with you in the
manner and frequency that
you prefer
To treat you and your family with
straightforwardness, integrity, and
respect at all times
To answer your questions, ease
your concerns, reduce your stress,
and expertly handle the entire real
estate transaction
To serve the community as a
leader in the real estate industry
and as a friend and neighbor
To hold myself accountable to
finding the perfect home for you -
after all, that is what my business
is built on
To always do the right thing, even
if it isn't what is easiest
To take care of your needs at the
highest level through unparalleled
professionalism and attention to
detail. No request is too small
To serve as a trusted local expert
and adviser by your side

MY PROMISE
Trusted
Partner
From the day you partner with us, and even past the day you step
foot in your new home, consider us your dedicated real estate
advisers. Whatever you need, we have the resources and expertise
to guide your decisions. Throughout your transaction, you can
come to us for both the little things and the important steps, like
comprehensive home insurance and competitive financing - we
have the inside edge on both.
After your purchase, ask us to recommend fully vetted service
specialists or about how you can care for your home. Further down
the road, should you ever want to sell, we will be your trusted point
team. You'll always have our number, and we'll always be ready to
spring into action; just say the word!

MY PROMISE
Promise
to the
Community
WE LIVE HERE, WE GIVE HERE
RED DAY
RED Day, which stands for Renew, Energize and Donate, is
our annual day of service. Each year on the second Thursday
of May, we celebrate RED Day as a part of our legacy worth
leaving. Making a difference in the lives of others and
bettering the communities that we serve lies at the heart of
the Keller Williams culture.
ENRICHING OUR COMMUNITY
Habitat for Humanity in [city name] embodies a value close to
my heart: HOME. It's where the heart is and the more people
who have a home, the more our community can thrive. Each
year, I join forces with other like-minded folks and contribute
what I can to ensure a strong future for the residents of our
town.
YOUR COMMUNITY SERVICE
Habitat for Humanity in [city name] embodies a value close to
my heart: HOME. It's where the heart is and the more people
who have a home, the more our community can thrive. Each
year, I join forces with other like-minded folks and contribute
what I can to ensure a strong future for the residents of our
town.