A home isn’t a dream home because of its room
dimensions. It’s about how you feel when you walk
through the door.
Ask about our BUYER’S ADVANTAGE
PROGRAM! ... The perfect home guaranteed,
hassle free, and for less money!
This package contains helpful information for home buyers,
including an overview of the entire purchase process, moving
checklists, and fact sheets to help us discover the home and
neighborhood characteristics most important to you.
We would like to prepare an in-depth, customized package of
homes for you to review, highlighting properties that meet your
criteria in neighborhoods that suit your lifestyle.
FREE Professional Consultation. Call Anthony Direct:
717-926-3143
SelectRealtyServices.net
For Real Estate
It’s All About You!
Our 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
Purchasing a home is a very important decision and a big undertaking in
your life. In fact, most people only choose a few homes in their lifetime.
We are going to make sure that you are well equipped and armed with up-todate information for your big decision. We are prepared to guide you
through every phase of the home-buying process.
Our focus is on your complete satisfaction. In fact, we work to get the job
done so well, you will want to tell your friends and associates about it.
Maybe that’s why 50% of Area Pro Realty’s business comes from repeat
customers and referrals.
Good service speaks for itself. We look forward to the opportunity to earn
your business.
The Home Buying Process
Your Lifestyle Interview
Please take time to review & complete the following 3 forms as much as possible, as they will be a great
tool to help you narrow down and focus on the most important aspects you desire in your new home.
During your Buyer's Consultation, we will discuss each topic and I will make detailed notes so that I will
be able to focus on your needs to find you the best home to fit those needs. Should those needs change or
need tweaking along the way, we can always look back to these forms for reference.
A home is about more than the number of bedrooms or bathrooms. It's about how you feel when you're in
it. To really pinpoint the type of home you're looking for, consider the following questions:
1. What makes you comfortable in your current home? Is there anything in particular
you would like to duplicate?
________________________________________________________
________________________________________________________
2. What is your primary reason for searching for a new home?
________________________________________________________
________________________________________________________
3. Do you have children? What are their ages, interests and activities?
________________________________________________________
________________________________________________________
4. Do you entertain a lot? What areas of your home will you primarily use to entertain?
________________________________________________________
________________________________________________________
5. How long do you expect to live in the home?
________________________________________________________
6. Do you have any pets that stay in the house or outside?
________________________________________________________
7. Would you consider yourself to be more casual or formal?
________________________________________________________
8. When you imagine your dream home, what do you see? What images come to mind?
___________________________________________________________
Your Home Wish List
Creating a list of the desired features and amenities for your new home will help me
target the properties that meet your criteria.
Please consider the following and record any notes or preferences:
1. House style_______________________
2. Number of bedrooms______________
3. Number of bathrooms______________
4. Living room______________________
5. Dining room______________________
6. Family room______________________
7. Fireplace_________________________
8. Home office______________________
9. Kitchen__________________________
10. Basement_______________________
11. Garage stalls____________________
12. Lot size_________________________
13. Pool____________________________
14. Age of property__________________
15. View____________________________
16. Fencing_________________________
The Neighborhood of Your Dreams
More than just the home, it's important to think about the type of neighborhood that is
right for you.
Please consider the following and record any notes or preferences:
1. Areas you would enjoy__________________________________________________
2. Specific streets you like__________________________________________________
3. School district(s) you prefer______________________________________________
4. Your work location(s)___________________________________________________
5. Your favorite shops/conveniences_________________________________________
6. Recreational facilities you enjoy___________________________________________
Any additional items to consider when selecting our target neighborhoods:____________
________________________________________________________________________
________________________________________________________________________
________________________________________________________________________
________________________________________________________________________
We will discuss these aspects and many more in a
FREE Professional Consultation.
Call Anthony direct at 717-926-3143.
NOW…. What are the five most important aspects of
your interview you must have in your new home?
1
2
3
4
5
_______________________
_______________________
_______________________
_______________________
_______________________
Congratulations! You took the first step in making your
home search a whole lot easier!
The Mortgage and Loan Process
Funding your home purchase
Financial pre-qualification or pre-approval
Application & interview
Buyer provides pertinent documentation, including verification of employment
Credit report is requested
Appraisal scheduled for current home owned, if any
1
Underwriting
Loan package is submitted to underwriter for approval
2
Loan Approval
Parties are notified of approval
Loan documents are completed and sent to title
3
Title Company
Title exam, insurance and title survey conducted
Borrowers come in for final signatures
4
Funding
Lender reviews the loan package
Funds are transferred by wire
5
Why pre-approval?
We recommend you get pre-approved by a reputable lender before beginning your home
search. Knowing exactly how much you can comfortably spend on a home reduces the
potential frustration of looking at homes beyond your means. It also may give you an
advantage against another buyer making an offer - it lets the seller know that they won't
endure the "waiting game" while a lender does the legwork to get financing for the other
buyer.
Making An Offer
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:
The Price
What you offer on a property depends on a number of factors, including its condition,
length of time on the market, buyer activity, and the urgency of the seller. While some
buyers want to make a very low offer, just to see if the seller will accept, this often isn't a
smart choice, because the seller may be insulted and decide not to negotiate at all.
The Move-in Date
If you can be flexible on the possession date, the seller will be more apt to choose your
offer over others.
Additional Property
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; I 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
By far the most common is the counter offer. In these cases, my negotiating skills
become powerful in representing your best interests.
When a counter offer is presented, you and I will work together to review each specific
area of the counter offer, 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.
What Happens Next
After your offer has been accepted, what happens next? A Title Company may
handle the following items. NOTE: In different parts of the country, attorneys,
lenders, escrow companies and other persons who are independent of title companies
perform some or all of these functions.
Earnest Money – An agreement to convey starts the process once it is received at
the Title Company. Once you submit the loan application, it is usually subject to a
credit check, an appraisal, and sometimes, a survey of the property.
Tax Check – What taxes are owed on the property? The Title Company contacts the
various assessor-collectors.
Title Search – Copies of documents are gathered from various public records: deeds,
deeds of trust, various assessments and matters of probate, heirship, divorce, and
bankruptcy are addressed.
Examination – Verification of the legal owner and debts owed.
Document Preparation – Appropriate forms are prepared for conveyance and
settlement.
Settlement – An Escrow Officer oversees the closing of the transaction: seller signs the
deed, you sign a new mortgage, the old loan is paid off and the new loan is established.
Seller, agents, attorneys, surveyors, Title Company, and other service providers for the
parties are paid. Title insurance policies will then be issued to you and your lender.
Title Insurance - There are two types of title insurance:
■ Coverage that protects the lender for the amount of the mortgage
■ Coverage that protects the equity in the property
Both you and your lender will want the security offered by title insurance. Why?
Title agents search public records to determine who has owned any piece of property,
but these records may not reflect irregularities that are almost impossible to find. Here
are some examples: an unauthorized seller forges the deed to the property; an unknown,
but rightful heir to the property shows up after the sale to claim ownership; conflicts
arise over a will from a deceased owner; or a land survey showing the boundaries of
your property is incorrect.
Mistakes to Avoid When Buying a Home
Buying Mistake #1: Failing to have a plan
Deciding to buy a home is probably the biggest financial decision you’ll ever make. It’s
an exiting decision, but it’s serious business too, and you deserve serious advice.
Buying Mistake #2: Thinking that I can’t afford a home
Many people feel that they can’t afford a home, but affording a home has never been
easier. Mortgage rates are more flexible today than ever, and the tax laws favor home
ownership like no other tax shelter. Home ownership is a durable (real) investment.
Although no one can say if a specific home will appreciate in value, generally speaking,
the odds favor the homeowner. Numerous unique tax advantages are available to
homeowners. The thousands of dollars you pay in mortgage interest is deductible. This
tax deduction along can sometimes make owning your own home cheaper than renting
with after tax take home dollars.
Buying Mistake #3: Failing to properly screen your Realtor
The quality of your home buying experience is dependent upon your skill at selecting the
best qualified person. It’s interesting that in the real estate business, someone with many
successfully closed transactions usually costs the same as someone who is inexperienced.
An experienced buyer’s agent could mean a lower price at the negotiating table, buying
in less time, and with the minimal amount of hassles. Your agent should be a skilled
win-win negotiator!
Buying Mistake #4: Failing to get pre-qualified for a mortgage loan
Don’t waste hours searching for a home that is not in your price range! Save time and
money by pre-qualifying for a loan. This process is simple. A lender will ask you basic
questions concerning your history, run a credit report, and determine your buying power.
Buying Mistake #5: Failing to obtain a home inspection from a qualified inspector
The job of a professional home inspector is to look over every major part of a home and
write a report that judges the home’s quality and condition. A home inspection reports on
the structural and mechanical condition of the home. After the inspection, you will have
the facts you need to make a decision about buying your home.
Mission Statement
The Select Realty Services Team strives to impact the buyer and sellers experience
through combining knowledge, technology, compassion, and respectful relationships.
We believe adding value to our clients is our duty and their dreams are our
responsibility. Select Realty Services will provide distinctive programs for buyer and
sellers that will educate clients, add immense value to the transaction, and manage the
entire process with great ease. We are fortunate and grateful to have the opportunity to
do work of such purpose in people’s lives and know that its our duty to spread that
purpose through charitable contributions. Select Realty Services will have a lasting
impact on the communities around Central PA and abroad by conducting business with
compassion for clients and the purpose we serve and extending our advocy for
knowledge, relationships, and service. (Link to SRS Difference)
Philosophy
Our Mission- To have a lasting impact on our clients’ real estate experiences for life.
Our Vision-We seek to specialize our skills in a team format and utilize the best tools,
resources and training to inform our clients to make the best possible decisions.
Our Values- Honesty, Respect, Dedication and Integrity
Our Beliefs- are in who we are and how we conduct our Business. The Select Realty
Services core values are the foundation for providing the ultimate in service and building
relationships for life.
SELECT REALTY SERVICES – Core Values at work…
Our Belief System in Action
Commitment-To your Needs and Goals
Communication-To Establish and Nurture Relationships
Customers-Are our Top Priority
Teamwork-Enhancing Customer Service by Utilizing Individual Strengths.
Trust-Earn and Maintain mutual respect
Success=Results
Win-Win-We will find a way
Integrity-Always do the right thing…
GET TO KNOW US…
Anthony Lynam, Realtor, CNE, CDPE
Jen Prol, Buyer’s Specialist
Personal Mission statement:Be the best I can be to serve others to the best of my abilities. I love to
educate, train, and inspire people to do great things. I have a wonderful family in my life who keep me
grounded and drive me to work hard. They are the reason I do everything in my life. If I can leave a
positive impact in someone’s life that I touch, then I feel I have succeeded.
Business information: With experience in construction, financing, real estate investing, and real
estate transactions, Anthony has become a trusted advisor to his clients in all real estate matters. He is
certified as Negotiation Expert and Internet Marketing Specialist Designation. This has helped him
analyze how to get the most for his clients. He is detailed in the numbers and values of his transactions
to make sure his buyers get the best deal and his sellers net the most money. Anthony has a passion for
real estate that started with helping his family rehab properties at a young age. Not only has he bought,
renovated, and sold properties of his own, he has also helped his clients make smart decisions using all
his available resources. He continues to educate himself in all facets of real estate. His #1 goal is to
help his clients reach their goals. This focus has enabled him to rank amongst the top 10% of real
estate agents based on sales volume and he continues to successfully grow his business. What’s
important to my business? Your Home Your Values Your Investment Your Lifestyle .
Cary Loyd, Broker
Cary J. Loyd is the Broker of SELECT REALTY SERVICES. Cary has been serving home buyers
and sellers in the Central PA with honesty and integrity since 1996. His passion is helping every
agent achieve their maximum potential thereby enhancing the Real Estate experience for SELECT
REALTY SERVICES clients. Cary has worked diligently to build lasting relationship in the
Susquehanna Valley and throughout the mid-state
TESTIMONIALS:
WE HAVE BEEN FORTUNATE TO WORK WITH ANTHONY AND HIS TEAM
TWICE IN THE PAST FEW YEARS. THE FIRST TIME WAS WHEN WE SOLD
OUR HOME TO MOVE OUT OF STATE, AND THE SECOND TIME WAS
THREE YEARS LATER WHEN WE MOVED BACK TO PENNSYLVANIA.
SELLING A HOME CAN BE STRESSFUL ENOUGH, BUT DOING IT LONG
DISTANCE, WITH THE ADDED COMPLICATION OF THE SHORT SALE IS
ESPECIALLY DIFFICULT. ANTHONY HANDLED EVERYTHING FOR US.
HE LOOKED AT NUMEROUS OPTIONS, NEGOTIATED THE MORTGAGE
COMPANIES, OBTAINED MULTIPLE OFFERS, AND TOOK GREAT CARE OF
THE PROPERTY IN OUR ABSENCE, INCLUDING SHOVELING SNOW SO
THE PROPANE COMPANY COULD FILL THE TANK. ANTHONY
CONSISTENTLY WENT OVER AND ABOVE ANYTHING WE COULD HAVE
HOPED FOR.
WE WERE SO GRATEFUL TO ANTHONY THAT WHEN IT WAS TIME TO
MOVE BACK TO PENNSYLVANIA, THERE WAS NO QUESTION AS TO WHO
OUR REALTOR WOULD BE. WITH ANTHONY’S GUIDANCE WE QUICKLY
FOUND THE PERFECT HOME, AND BY FOLLOWING HIS SOUND ADVICE,
WE GOT A GREAT VALUE. ANTHONY IS A PROFESSIONAL AND WE
ALWAYS RECOMMEND HIM AND HIS TEAM TO ANYONE WE KNOW IN THE
MARKET FOR A REALTOR.
DAVE AND JAN THOMPSON
HARRISBURG, PA
TESTIMONIALS:
MY NAME IS MIRO GOJMERAC, ORIGINALLY FROM STEELTON AND
NOW MOVING TO NEW CUMBERLAND THANKS TO ANTHONY AND HIS
TEAM. THE FIRST TIME I MET ANTHONY WAS AT AN APPOINTMENT IN
LEMOYNE, HE WAS VERY THOROUGH WITH EXPLAINING EVERYTHING
ABOUT THE HOUSE HE WAS SHOWING AND PROVIDED US WITH SPACE
TO CHECK EVERYTHING OUT.
GOING FORWARD WE USED HIM TO
SHOW US OTHER PROPERTIES BECAUSE OF THE FIRST IMPRESSION HE
EMBEDDED INTO OUR HEADS.
ANTHONY DID EVERYTHING IN HIS POWER TO NEGOTIATE FOR US, HE
DEFINITELY DID WHAT WE ASKED HIM TO DO AND WENT ABOVE AND
BEYOND TO MAKE SURE HE KEPT US IN THE LOOP DURING THE ENTIRE
PROCESS. ANTHONY WAS FLEXIBLE WITH OUR SCHEDULE AND SET UP
SHOWINGS FOR US IN A TIMELY MANNER.
ANTHONY DID A FANTASTIC
JOB IN MAKING SURE EVERYTHING WAS IN OUR BEST INTEREST.
MIRO GOJMERAC.
My name is Todd Shenk and I am from the Harrisburg area. I found Anthony on the internet. We
needed to sell my parents house so we set up a meeting with Anthony. We were pleased that he had
done his homework as he showed us a list of properties we were going up against. I was impressed
with Anthony from that moment and right then I knew he was the realtor for us. He set everything up
and did all the listings. We worked together for about a month, which is all it took to list, sell, and
settle on the house. Anthony was very professional and I will work with him again if the need arises.
If the conversation comes up about real estate, I would recommend Anthony to anyone! Anthony was
there to help us and we truely appreicated all of his hard work! We know he will do the same for all
his clients! have a great day!
Todd
TESTIMONIALS:
My name is Jessica Coy and my husband is Daniel. We lived in Carlisle for the first 5 years of our
marriage. I am originally from Gettysburg and he is originally from Shippensubrg.
I was referred by a friend that I work with. She gave me great reviews.
I had a lot of good experiences, but my favorite moment was probably when I found out that the house
that we ended up buying was no longer under contract and we looked at it that day.
I had negative experiences with a previous realtor who was clearly only trying to make money and
tried to pressue us into getting a house that was not fit for us. Anthony was professional and
extremely helpful in trying to find us a house that fit our needs while also our budget. Anthony does
not appear to be in this profession for the money but to make people happy with the houses that they
are buying. He helped us by fighting the bank and also mowing the grass! He was approachable and
down to earth. I would recommend him to everyone I know trying to buy a house.
Jessi and Danny
Anthony was referred to us from a past co-worker and friend. He knew that me and my husband had
on opposite opinions on what we were looking for and immediately said “you need to call my friend,
Anthony”. After speaking with Anthony and sitting down with him initially I knew we were going to
work well together.
Working with Anthony was refreshing. He never gave up hope that he would find us a home even
after what seemed like a thousand showings and a few offers that we didn’t get. As frustrating as it
can be to find something for a couple that doesn’t necessarily see eye to eye on what they want in a
house…he never got frustrated or quit on us. I would be lying if I said my favorite moment was
finding our “dream house”…maybe for my husband since he got his fixer upper that he wanted. But
one thing is for sure, I went against my gut feeling and am happy I took the plunge on the house that
we bought and know (with a little convincing from Anthony and my husband) that it was a good buy.
If all of the above isn’t enough, I can also say that he goes above and beyond to find the right home
and also sell your home. He’s organized, responsive and patient just to name a few and has an overall
positive attitude when it comes to home buying / selling. I never felt as though he was “pushing” me
to buy a house just to buy a house…he remained optimistic yet kept us grounded on our decisions and
went above and beyond to get our offer approved.
Sherri & Dereck Clinkscale
Additional Resources
We have even more FREE and valuable information posted on our Web site,
including the following, to name a few:
■ Factors to consider before making an offer
■ Finding bargains in foreclosed properties
■ Four tips for buying a home that will appreciate in value
■ How financing might affect your offer
■ Make an offer that will not be refused
■ New home vs. pre-owned: which is a better option?
■ Tax breaks that save homeowners money
■ The advantages of home ownership
■ Tips for first-time homebuyers
■ What are buyers’ costs?
■ and MUCH MORE!
Visit our Web site at:
SelectRealtyServices.net
For Real Estate
717-926-3143