Your Guide to
Home Ownership
Joseph Graham presents to Kevin and Courtney Schiller
Knowledge, Experience, Professionalism
Dear
Kevin and Courtney Schiller
Sincerely,
Joseph Graham
- you're in great hands -
Meet
Joseph Graham
I am a 20+ year sales professional with a background in technology and real estate. I’ve partnered with EXP Realty, the fastest growing real estate brokerage in the world with over 87,000 agents across 30+ countries. EXP has invested heavily in Technology in order to bring the absolute best experience to our clients. I am consistently featured in the list of “top 1%” of real estate salespeople in Illinois. I am a driven, strategic executive focused on achieving high customer satisfaction levels, effectively negotiating deals and am strongly committed to achieving objectives in my business and life. I have a proven history of delivering exceptional results which fosters a relationship driven business. I am here for YOU! I am a resident of Naperville and have children who have graduated through district 203 schools, and have participated in numerous sports programs and clubs throughout the years. In my spare time I enjoy the game of baseball, outdoors and wine tasting.
Proven Track Record
Service
Provide great customer service by building bonds with clients that lead tolong-term relationships where we truly care about their needs.
Knowledge
By pursuing excellence in our expertise as agents we can better service our clients and lead them to home ownership in a smooth and easy process.
Integrity
Be ethical in all you do and communicate with honesty while paying attention to the details of each and every client, agent, and transaction.
Market Trends in Naperville, IL
Market data as of:
The Market Action Index (MAI) is a literal temperature gauge that shows whether the market favors buyers or sellers.
An MAI of 30 is typically balanced; over 30 is a seller's market, under 30 is a buyer's market.
An MAI of 30 is typically balanced; over 30 is a seller's market, under 30 is a buyer's market.
Buyer markets
Buyers get better deals and more choices when MAI is low.
Seller markets
Sellers can list for higher prices and quicker sales when MAI is high
Market data as of:
View current market trends
Scan the QR code to see the current Market Trends report
Processes
1
Consultation
We’ll sit down together and help you determine your needs wants and goals while offering my personal industry expertise and strategies for bringing your vision to life.
2
Pre-Approval
Getting pre-approved will help you know exactly what you can afford so you can confidently focus on the right homes. Plus, it shows sellers you’re serious, giving you an edge when making an offer.
3
Property tours
After you have reviewed and selected which homes you want to tour, we get to go shopping! This is where you can start figuring out what you really want in your new home.
4
Write offer
Once we find the home of your dreams, we'll submit an official offer - including but not limited to sale price, inspection contingencies, and closing costs. The seller then has time to accept, reject, or counter your offer.
5
Under Contract or Escrow
With your offer accepted, we enter a 30-day Escrow period. This involves a neutral third party company that holds funds while conducting a thorough underwriting process to ensure all aspects of the contract are upheld properly
6
Inspections
Now that you've found your home we need to order the inspection. The inspection will let you know what repairs are needed, some are minor and some may be safety issues. Don't worry, you are still protected.
7
Appraisal
The appraisal is ordered by your lender to protect their investment. They have their own checklist of things they look at for the final approval to move forward. The appraiser can demand repairs completed by the seller before they will give their approval.
8
Closing
Congratulations! You now own a home and can get moved in. It's time to celebrate and have your housewarming and show off your home. We will be standing by to answer any questions you may have about home-ownership and have a list of contractors if the need arises.
Unique Value I Provide My Clients
★
Customized listing search to find the perfect home.
★
Professional Network to help your purchase go smoothly
Professional Network
Mortgage Lender, Guaranteed Rate
Danny Delgado
NMLS # 192800
[630.973.6191]
Mortgage Lender, Old National Bank
Andrew Trassat
NLMS # 228674
630.770.9894
★
Market insights as a result of my recent sales in your area
My Recent Sales in the Naperville, IL area!
My sales activity in your desired search area will directly benefit you due to my market knowledge, negotiating prowess, and insights into local activity!
★
Exceptional reviews that reflect a pattern of excellence with my past clients.
Raving Reviews
I can't recommend Joe highly enough. I've had a number of realtors help me buy homes over the years and Joe is, far and away, the best realtor I've worked with. He constantly went above and beyond for us as we were moving from out of state to the area.
He would drive to homes, take videos of the neighborhood/street and provide commentary so we could get a better feel for what the area was actually like. He would send us
Joe was simply phenomenal in his guidance and approach with selling our home. We had a tight timeline and Joe’s experience and efforts certainly paid off for us with many showings and offers in just 3 days of going on the market. Joe negotiated with the potential buyers and netted us over asking price! We would highly recommend Joe for anyone looking to sell as you will not be disappointed!!! He is just a great realtor.
Joe was the realtor assigned to us by our relocation company when we first moved to Naperville. So when it came time to chose a realtor to sell the house there was no other choice than to go with Joe again. He has made both transactions smooth and effortless. We couldn't be any happier with our realtor and would recommend him to anyone else looking for a top notch professional! Thank you Joe!
Joe Graham was truly exceptional. This was my second experience working with Joe and home buying/selling. Always impressed by his professionalism, level of knowledge and data about the market and his authenticity. Joe will work with you to make your desires a reality. He is also well versed at dealing with other real estate agents. His promptness, knowledge of the market, strategic mindset, kindness and good energy made a potentially
Joe was an excellent partner every step of the way. My family had previously listed the home with another agent. During those six months with the previous agent, we did not receive a single offer nor were provided any guidance on what it would take to sell the home.
Fast forward six months and we met with Joe for the first time. He came into our home ready to talk business. He asked targeted questions to understand what our situation was and what our
Selling our home was the easiest, smoothest process. Amy was communicative on what the next steps were and hooked us up with a stager (who's advise was very helpful). They scheduled an open house the first weekend the house went up and that proved to be the best method because 1. They created hype because our house was flooded with people the full 2 hrs and we had multiple offers. Ended up selling for over asking! We also bought a new home
* Review has been shortened using AI, click the review to read the full review.
* Review has been shortened using AI.
Loyalty
This custom presentation that I’ve shared with you is an example of the care and effort I put into each client. I recognize that this purchase is one of the largest financial transactions of your life and it deserves careful consideration and wise planning. In light of this, I feel strongly that mutual respect and understanding are key components of me helping you accomplish your real estate goals.
Reviewing each others roles and responsibilities as we embark on the next steps of your home-buying journey is how we can decide if we are ready to be loyal to one another.
Reviewing each others roles and responsibilities as we embark on the next steps of your home-buying journey is how we can decide if we are ready to be loyal to one another.
Starting August 17th, 2024
It is required to complete and sign a written agreement before showing a home. This applies to buyers requiring the services of any licensed agent in the U.S. to visit a property.
By Signing the Agreement to Partner with an Agent
Our agent is dedicated to you and committed to finding a home that meets your needs.
With a proven track record
We have the knowledge and experience to be the BEST asset in your real estate endeavors.
104 More Ways
Agents Who Are Realtors ® Are Worth Every Penny Of Their Compensation.
Here’s a look at all the things – big and small –
that a REALTOR ® may do to help clients when buying a home.
Counseling Session Activities
- Prepare the buyer for executing a buyer representation agreement
- Explain agency relationships to the buyer and get state required legal consentto represent, if needed
- Inform the buyer of working relationship based on state law, the REALTORS®Code of Ethics, and the broker’s business policies
Building a Relationship
- Learn the buyer’s wants and non-negotiable needs
- Understand the buyer’s budget and what will be needed financially
- Help the buyer understand what property their chosen budget will buy
- Consider having the buyer fill out a homebuyer’s checklist
- Assist the buyer in examining how much they can afford to spend
- Provide quality lender resources
- Partner with the buyer to locate suitable properties for consideration
- Match the buyer’s needs with available property
- Constantly re-evaluate buyer’s needs and refocus property showings to fit those needs
- After ensuring the buyer understands what is done for them, how it is done,and the benefit to them, obtain signatures on the buyer representation agreement
- Explain how compensation is paid, who pays it, and what the buyer’s optionsare for paying it
Educating the Buyer
- Communicate the working relationship based on state law, the REALTORS®Code of Ethics, and the broker’s business policies
- Explain Federal and State Fair Housing laws
- Explain what to look for in applicable property disclosures
- Reassure the buyer that their personal information will remain confidential
- Inform the buyer that you will always disclose all known material defects
- In accordance with state law, provide information on checking the sex-offenderregistry and crime statistics for the neighborhood
- Discuss available resources that the buyer can check to learn more aboutprospective neighborhoods
Preparing the Buyer
- Explain the timeline for house hunting, mortgage approval, and closing
- Explain the local market and how it impacts the buyer
- Show statistics on what percentage of list price sellers in the area are currentlyreceiving
- Inform the buyer on what home features are popular
- Identify current average days on market
- Share the dangers of using the price per square foot to figure home values
- Explain the concept of absorption rate and how it impacts the buying process
- Indicate current listing months of market inventory
- Share estimated potential out-of-pocket costs to complete the transaction
- Assist the buyer in analyzing the loan estimates
- Qualify the buyer for financial ability to purchase
- Help the buyer account for the complete costs of homeownership
- Prepare lender for listing agent calls
- Assist in comparing different financing options
- Help the buyer select for viewing only those homes that fit their needs
- Proceed in showing homes that fit the buyer’s must-haves
- Caution the buyer on posting information to social media
- Review the sample sales contract so the buyer is prepared when it comes time to make an offer
Showing Properties
- Schedule showings and provide access to all listed properties as soon as theybecome available in their local MLS broker marketplaces
- Educate the buyer on the immediacy of new listings appearing in their localMLS broker marketplaces and the lag time for them to appear on somewebsites
- Collaborate with the buyer on properties they may have learned about throughtheir sphere contacts
- Research and assist on all unlisted properties the buyer wishes to see
- Preview properties prior to showing if needed
- Network with other agents to source properties not yet in their local MLSbroker marketplaces
- Contact homeowners in focus areas to see if they are considering selling
- Set up an automated email alert system through their local MLS brokermarketplaces that immediately notifies the buyer of properties that fit discussed requirements
- Arrange a tour of areas, schools, and key points of interest
- Provide resources containing neighborhood information on municipal services,schools, etc.
- Inform the buyer of negative aspects like nearby venues or operations that may result in issues that could impact value
- Check applicable zoning and building restrictions
- Help the buyer decipher public property and tax information
- Collect and share pertinent data on values, taxes, utility costs, etc.
- Compare each property shown to the buyer’s wants and needs list and remindthem of what they were looking for
- Help the buyer narrow the search until the buyer identifies top choices
Negotiating Offers
- Assist the buyer in getting the best property at the best price
- Suggest that the buyer learn more about the neighborhood prior to makingan offer
- Prepare a comparative market analysis (CMA) in advance of making an offer
- Prepare the buyer to have the most attractive offer in the current marketplace
- Explain common contract contingencies and include approved protective clauses in the purchase offer
- Ensure that the buyer receives and understands all state and federally-required disclosure forms
- Prioritize contract negotiation goals with the buyer
- Help create a negotiating strategy
- Use strategies such as an escalation clause to maintain a competitive offer
- Prepare the buyer for a multiple offer situation and develop negotiation strategies
- Write an offer that has a reasonable chance of being accepted
- Recommend optional contingencies and explain the pros and cons of using them
- Provide information on purchasing incentives that may be available
- Discuss financing alternatives
- Negotiate the buyer’s offers to arrive at the best price and terms
- Utilize hyperlocal expertise and strong communication skills to assist thebuyer in being the successful offer
Buyer Specialist
Joseph Graham
Broker, REALTOR® | 475.142605
Let's Chat.
I'm sure you have questions and thoughts about the real estate process. I'd love to talk with you about what you've read here and help you on the path to buying your new home.
I look forward to working with you.
I look forward to working with you.
Thank you!
In everything we do, we are driven to help others, because behind every transaction there is a vision, a goal, a dream waiting to come to life. In doing so, we bring our expertise, our instincts from years of experience, and our complete dedication to you.
This is only the beginning of an exciting journey to a bright and shining new future. And it's only the beginning of our commitment to servicing your every real estate need. Thank you for the opportunity to help you find your perfect home!
This is only the beginning of an exciting journey to a bright and shining new future. And it's only the beginning of our commitment to servicing your every real estate need. Thank you for the opportunity to help you find your perfect home!
We'll be right there with you, every step of the way.
Dear
Sincerely,
- you're in great hands -
Meet
Proven Track Record
Service
Provide great customer service by building bonds with clients that lead tolong-term relationships where we truly care about their needs.
Knowledge
By pursuing excellence in our expertise as agents we can better service our clients and lead them to home ownership in a smooth and easy process.
Integrity
Be ethical in all you do and communicate with honesty while paying attention to the details of each and every client, agent, and transaction.
Market data as of:
The Market Action Index (MAI) is a literal temperature gauge that shows whether the market favors buyers or sellers.
An MAI of 30 is typically balanced; over 30 is a seller's market, under 30 is a buyer's market.
An MAI of 30 is typically balanced; over 30 is a seller's market, under 30 is a buyer's market.
Buyer markets
Buyers get better deals and more choices when MAI is low.
Seller markets
Sellers can list for higher prices and quicker sales when MAI is high
Market data as of:
View current market trends
Scan the QR code to see the current Market Trends report
Processes
1
Consultation
We’ll sit down together and help you determine your needs wants and goals while offering my personal industry expertise and strategies for bringing your vision to life.
2
Pre-Approval
Getting pre-approved will help you know exactly what you can afford so you can confidently focus on the right homes. Plus, it shows sellers you’re serious, giving you an edge when making an offer.
3
Property tours
After you have reviewed and selected which homes you want to tour, we get to go shopping! This is where you can start figuring out what you really want in your new home.
4
Write offer
Once we find the home of your dreams, we'll submit an official offer - including but not limited to sale price, inspection contingencies, and closing costs. The seller then has time to accept, reject, or counter your offer.
5
Under Contract or Escrow
With your offer accepted, we enter a 30-day Escrow period. This involves a neutral third party company that holds funds while conducting a thorough underwriting process to ensure all aspects of the contract are upheld properly
6
Appraisal
The appraisal is ordered by your lender to protect their investment. They have their own checklist of things they look at for the final approval to move forward. The appraiser can demand repairs completed by the seller before they will give their approval.
7
Inspections
Now that you've found your home we need to order the inspection. The inspection will let you know what repairs are needed, some are minor and some may be safety issues. Don't worry, you are still protected.
8
Closing
Congratulations! You now own a home and can get moved in. It's time to celebrate and have your housewarming and show off your home. We will be standing by to answer any questions you may have about home-ownership and have a list of contractors if the need arises.
Unique Value I Provide My Clients
★
Customized listing search to find the perfect home.
★
Professional Network to help your purchase go smoothly
Professional Network
★
Market insights as a result of my recent sales in your area
My sales activity in your desired search area will directly benefit you due to my market knowledge, negotiating prowess, and insights into local activity!
Price Range
Beds & Baths
Property Types
★
Exceptional reviews that reflect a pattern of excellence with my past clients.
Raving Reviews
Review has been shortened using AI, click the review to read the full review.
Review has been shortened using AI.
Loyalty
This custom presentation that I’ve shared with you is an example of the care and effort I put into each client. I recognize that this purchase is one of the largest financial transactions of your life and it deserves careful consideration and wise planning. In light of this, I feel strongly that mutual respect and understanding are key components of me helping you accomplish your real estate goals.
Reviewing each others roles and responsibilities as we embark on the next steps of your home-buying journey is how we can decide if we are ready to be loyal to one another.
Reviewing each others roles and responsibilities as we embark on the next steps of your home-buying journey is how we can decide if we are ready to be loyal to one another.
105 More Ways
Agents Who Are Realtors ® Are Worth Every Penny Of Their Compensation.
Here’s a look at all the things – big and small –
that a REALTOR ® may do to help clients when buying a home.
Counseling Session Activities
- Prepare the buyer for executing a buyer representation agreement
- Explain agency relationships to the buyer and get state required legal consent to represent, if needed
- Inform the buyer of working relationship based on state law, the REALTORS® Code of Ethics, and the broker’s business policies
Building a Relationship
- Learn the buyer’s wants and non-negotiable needs
- Understand the buyer’s budget and what will be needed financially
- Help the buyer understand what property their chosen budget will buy
- Consider having the buyer fill out a homebuyer’s checklist
- Assist the buyer in examining how much they can afford to spend
- Provide quality lender resources
- Partner with the buyer to locate suitable properties for consideration
- Match the buyer’s needs with available property
- Constantly re-evaluate buyer’s needs and refocus property showings to fit those needs
- After ensuring the buyer understands what is done for them, how it is done,and the benefit to them, obtain signatures on the buyer representation agreement
- Explain how compensation is paid, who pays it, and what the buyer’s options are for paying it
Educating the Buyer
- Communicate the working relationship based on state law, the REALTORS® Code of Ethics, and the broker’s business policies
- Explain Federal and State Fair Housing laws
- Explain what to look for in applicable property disclosures
- Reassure the buyer that their personal information will remain confidential
- Inform the buyer that you will always disclose all known material defects
- In accordance with state law, provide information on checking the sex-offender registry and crime statistics for the neighborhood
- Discuss available resources that the buyer can check to learn more about prospective neighborhoods
Preparing the Buyer
- Explain the timeline for house hunting, mortgage approval, and closing
- Explain the local market and how it impacts the buyer
- Show statistics on what percentage of list price sellers in the area are currentlyreceiving
- Inform the buyer on what home features are popular
- Identify current average days on market
- Share the dangers of using the price per square foot to figure home values
- Explain the concept of absorption rate and how it impacts the buying process
- Indicate current listing months of market inventory
- Share estimated potential out-of-pocket costs to complete the transaction
- Assist the buyer in analyzing the loan estimates
- Qualify the buyer for financial ability to purchase
- Help the buyer account for the complete costs of homeownership
- Prepare lender for listing agent calls
- Assist in comparing different financing options
- Help the buyer select for viewing only those homes that fit their needs
- Proceed in showing homes that fit the buyer’s must-haves
- Caution the buyer on posting information to social media
- Review the sample sales contract so the buyer is prepared when it comes time to make an offer
Showing Properties
- Schedule showings and provide access to all listed properties as soon as they become available in their local MLS broker marketplaces
- Educate the buyer on the immediacy of new listings appearing in their local MLS broker marketplaces and the lag time for them to appear on some websites
- Collaborate with the buyer on properties they may have learned about through their sphere contacts
- Research and assist on all unlisted properties the buyer wishes to see
- Preview properties prior to showing if needed
- Network with other agents to source properties not yet in their local MLS broker marketplaces
- Contact homeowners in focus areas to see if they are considering selling
- Set up an automated email alert system through their local MLS broker marketplaces that immediately notifies the buyer of properties that fit discussed requirements
- Arrange a tour of areas, schools, and key points of interest
- Provide resources containing neighborhood information on municipal services,schools, etc.
- Inform the buyer of negative aspects like nearby venues or operations that may result in issues that could impact value
- Collect and share any other vital information on available homes, remembering to follow all fair housing laws at all times
- Check applicable zoning and building restrictions
- Help the buyer decipher public property and tax information
- Collect and share pertinent data on values, taxes, utility costs, etc.
- Compare each property shown to the buyer’s wants and needs list and remind them of what they were looking for
- Help the buyer narrow the search until the buyer identifies top choices
Negotiating Offers
- Assist the buyer in getting the best property at the best price
- Suggest that the buyer learn more about the neighborhood prior to makingan offer
- Prepare a comparative market analysis (CMA) in advance of making an offer
- Prepare the buyer to have the most attractive offer in the current marketplace
- Explain common contract contingencies and include approved protective clauses in the purchase offer
- Ensure that the buyer receives and understands all state and federally-required disclosure forms
- Prioritize contract negotiation goals with the buyer
- Help create a negotiating strategy
- Use strategies such as an escalation clause to maintain a competitive offer
- Prepare the buyer for a multiple offer situation and develop negotiation strategies
- Write an offer that has a reasonable chance of being accepted
- Recommend optional contingencies and explain the pros and cons of using them
- Provide information on purchasing incentives that may be available
- Discuss financing alternatives
- Negotiate the buyer’s offers to arrive at the best price and terms
- Utilize hyperlocal expertise and strong communication skills to assist the buyer in being the successful offer
Buyer Specialist
Let's Chat.
I'm sure you have questions and thoughts about the real estate process. I'd love to talk with you about what you've read here and help you on the path to buying your new home.
I look forward to working with you.
I look forward to working with you.
Thank you!
In everything we do, we are driven to help others, because behind every transaction there is a vision, a goal, a dream waiting to come to life. In doing so, we bring our expertise, our instincts from years of experience, and our complete dedication to you.
This is only the beginning of an exciting journey to a bright and shining new future. And it's only the beginning of our commitment to servicing your every real estate need. Thank you for the opportunity to help you find your perfect home!
This is only the beginning of an exciting journey to a bright and shining new future. And it's only the beginning of our commitment to servicing your every real estate need. Thank you for the opportunity to help you find your perfect home!
We'll be right there with you, every step of the way.
Starting August 17th, 2024
It is required to complete and sign a written agreement before showing a home. This applies to buyers requiring the services of any licensed agent in the U.S. to visit a property.
By Signing the Agreement to Partner with an Agent
Our agent is dedicated to you and committed to finding a home that meets your needs.
With a proven track record
We have the knowledge and experience to be the BEST asset in your real estate endeavors.
