SAFEGUARD #1

IDEAL AGENT MATCH TOOL

Find An Agent Who Will Safeguard the Buyer’s Real Estate Transaction, Wallets & Wealth

Realty Guardian matches Member Buyers to the most dependable, compatible, and experienced local real estate pros known for their professional reputation. They have signed Realty Guardian agreements to protect our Members. Here are the reasons you should use the IDEAL MATCH TOOL.

1. 1. Family and friend referrals can lock buyers in with an inexperienced rookie, an agent they do not like, and most importantly… without the safeguard risk training. And, with the Ideal Match Tool, all Guardian REALTORS read your summary of expectations and agree to them. Areas like communication style, availability, response times, etc.
   2. Realty Guardian believes there is a science to positive client-agent relations. Consumers are better served when an ideal agent is “custom aligned” to buyer likes, dislikes, and needs.
   3. Our agents must meet Realty Guardian’s professional reputation standards. You want to work with a local agent with solid integrity and market savvy. Inexperienced agents can fail to represent you to the best possible standards, being available to show you properties in a timely manner, and providing creative ways to compete in today’s highly competitive marketplace. Then, when a contract is signed, the agent needs to understand all the potential troubles that can mount when safeguards are not followed.

To serve our Members even better, with the IDEAL MATCH TOOL we can analyse their likes, dislikes, and preferred communication styles, allowing Realty Guardian to generate one or more local IDEAL TRUSTED GUARDIAN REALTORS®. Meet and greet. Check their style, marketing plan, and personality. You’ll be spending significant time together as you look for a dream home, negotiate, and close the transaction. Members can return for more introductions until satisfied and ready to sign a buyer’s agreement—and a listing agreement too, if also selling a house. Everyone deserves the opportunity to meet their most compatible, reliable, ideal agent, and its Realty Guardian’s mission to make that a reality when possible

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $2,500 Per Transaction, Lifetime Value: $17,500

SAFEGUARD #2

EARLY-EXIT BUYER AGENCY

GUARANTEE

Safeguard Against Incompetent Agent & Services

The biggest fear when you work with a real estate agent is being locked into a lengthy buyer agency agreement with a less than competent or responsive real estate agent, costing you valuable time and frustration in finding your dream home. Realty Guardian takes the risk and fear out of buying a home through our chosen agents by our EARLY-EXIT Buyer Agency Guarantee. When you sign up with a Trusted GUARDIAN REALTOR®, you can cancel your buyer agency agreement at any time prior to a negotiated sales contract with a 7-day written notice of cancellation. No hassles.

1. 1. You can give written notice to cancel your buyer agency representation at anytime prior to a negotiated sales contract
   2. You must notify both the agent and Realty Guardian of your wish to cancel, and the cancellation cannot be completed if a contract is negotiated between the written notice and the 7-day period is up.
   3. You can relax, knowing you won’t be locked into a lengthy binding contract.
   4. Enjoy the caliber of service confident enough to make this offer.

At Realty Guardian we have strong opinions about matching you to the best possible local real estate agent and their talents. If you are not happy with the service you receive, you should have the power to fire your agent with a 7-day written notice if all other conditions are met. While it takes a strong belief in the quality-of-service guarantee to make this kind of stand, Realty Guardian never settles for less than the highest professional standards.

We are confident that you will be happy with your Trusted GUARDIAN REALTOR® based on their years of results and the thousands of satisfied home buyers among our chosen professionals. However, if you are not pleased just let your agent know in writing you want to execute the EARLY-EXIT Buyer Agency Guarantee.

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $5,000 Per Transaction, Lifetime Value: $35,000

SAFEGUARD #3

LOVE IT OR LEAVE IT

HAPPINESS GUARANTEE

Safeguard Against Buying a Home You Don’t Like or Can’t Keep

Realty Guardian takes the risk out of buying a home by offering you our Love It or Leave It—Happiness Guarantee. Buy a home with confidence, knowing that if you don’t absolutely love it within the first 6 months after the day of closing, we will sell it for one-half the normal listing side commission, and help you find a new home. This agreement is with the understanding you will be using the same agent to help you purchase another home in our service area. We put our money where our mouth is and will make sure we find you the best home that meets your expectations.

There is a significant risk involved in buying a new home. You can buy a house today and next week get a job transfer notice and you need to live in another area of our community. Or, what if you buy a home near a lake only to find out that mosquitoes are overwhelming? Your new home could be smaller than you realized or too big for your family. Your new neighborhood may create some stressful dynamics. The list is endless. You don’t need that kind of stress.

Now you don’t need to fret because of the Realty Guardian’s Love It or Leave It—Happiness Guarantee. Purchase a home through a Realty Guardian agent and if you absolutely don’t love it after you move in, we will arrange with one of our Trusted Guardian REALTORS® to sell it for one-half the listing side commission within the first six months of your purchase, as long as the same agent will be helping you purchase another home in our local service area.

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $1,000 Per Transaction, Lifetime Value: $7,000

SAFEGUARD #4

WARRANTY SERVICE FEE REPAYMENT

(Available For Negotiated Sales Prices $150,000 or Above)

Safeguard Against Service Fee Costs for Warranty Covered Repairs

For buyers who have a one-year home warranty plan in place with the purchase of their home, Realty Guardian Protection will reimburse the new homeowner 50% of the cost of the service fees for the first year of coverage up to $400. For example, American Home Shield currently charges a $125 service fee when the warranty coverage is used. Buyers will get reimbursed for 50% of this cost, reducing the actual cost of the service fee back to $62.50.

As with all cash reimbursement safeguards, this compensation applies only for negotiated sales prices above $150,000. All other safeguards that are non-financial reimbursement safeguards however still apply to all transactions.

CRITICAL LOSS PREVENTION MEASURE

Cash Value Up to $400 Per Transaction, Lifetime Value: $2,800

SAFEGUARD #5

RAPID HOME LOAN

PRE-QUAL LETTER

Safeguard  Against Dream Home Loss: Rapid Loan Prequal Letters—Weekends Included

Prequalifying for a personal loan means that a lender thinks the buyer is a good candidate to formally apply for a home loan. When prequalifying for a home loan, a loan officer interviews the buyer and obtains important details to qualify the potential buyer (credit score, income, expenses, etc.). In turn the loan officer will provide loan details and cost numbers including estimated APR, monthly payment, and loan amounts.

When needed, Realty Guardian can help Member Buyers gain access to a speedy loan qualification letter to compete and win. The Realty Guardian Team hunt down the best, most experienced, and highly respected loan officers that work evenings and weekends. Secure a dream home against the competition. The IDEAL LOAN TOOL provides the needed information to help Realty Guardian Advisors to locate the best loan officer on call.

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $1,250 Per Transaction, Lifetime Value: $8,750

     SAFEGUARD #6

   IDEAL LOAN & BEST

   RATE TOOL

Safeguard Against Excessive Interest Fees: Ideal Loan & Best Rates Analysis

Complete the IDEAL LOAN & BEST RATES TOOL, and the Realty Guardian Advisor will share the Member Buyer’s financial status to the best loan providers so they can offer their best loan options based on credit score, income, down payment, etc. Realty Guardian conducts interest rate/APR probes to potentially save Member Buyers thousands of dollars in interest, when possible, while connecting with only APPROVED Loan Officers for the best, most reliable local loan processing.

“Conducting a [lender] search can save thousands of dollars by finding lenders offering a lower rate and more competitive fees,” says Greg McBride, CFA, Bankrate Chief Financial Analyst.

Lenders are expected to provide the best loan, best services, and their best rate. They must be loan officers in the local area so that buyers can personally meet and greet their loan provider. No out-of-town lenders are considered, due to the challenges buyers and agents face everyday when using long distance lenders. At-distance lenders also put the buyer at a disadvantage when competing for a house, as local lenders are considered a safer option for the seller.

The interest costs/savings over the life cycle of home loans can be significant for ordinary loans, but extraordinary for jumbo loans. Members can always depend on the IDEAL HOME LOAN & BEST RATE TOOL and the Realty Guardian Advisors for home loan options, now and in the future as the loan research continues on a regular basis.

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $2,000 Per Transaction ($465 Per Year), Lifetime Value Up to $14,000

SAFEGUARD #7

HOME INSPECTOR RATINGS

Safeguard Against Bad Inspections: Home Inspector Ratings

Trusted GUARDIAN REALTORS® cannot recommend their favorite inspectors until Member Buyers review the Realty Guardian Home Inspector Ratings. We analyze the background of inspectors and grade by experience, education, number of completed inspections, etc., so buyers can make an informed decision on their best choices.

When material property defects are overlooked during the inspection, it can lead to thousands in losses with no recourse since buyers often sign a consent to limit the inspector’s liability to a few hundred dollars. Using a quality inspector is vital.

The Most Common Problems Found in Home Inspections:

• • Faulty wiring
  • Roof problems
  • Heating/cooling system defects
  • Plumbing issues
  • Inadequate insulation and ventilation in attic
  • Poor maintenance
  • Foundation issues
  • Poor drainage around the structure
  • Air and water penetrating cracks and window perimeters at exterior
  • Check your state’s home inspector regulations. Some states have none, all the more reason to review the Realty Guardian Ratings Research. https://nationalhomeinspectorexam.org

CRITICAL LOSS PREVENTION MEASURE

 Potential Value Up to $500 Per Transaction, Lifetime Value: $3,500

SAFEGUARD #8

EXPEDITED TITLE SEARCH

REVIEW

Safeguard Against Delays for Title Issues with Early Review

The process of home ownership can frequently be a long and winding road—and a “property title search” is one of the many different detours. Put simply, the property title search is a deep dive into the ownership history of the home that a seller is selling, and you are buying. It’s main goal? To make sure that the person who seemingly owns the property truly has the right to sell it.

This is a critical element of any home ownership process. Normally, the property title search will take place after the seller and the buyer have agreed on the terms of the sale; from there, the real estate agent or mortgage entity will enlist experts to pore through years—and even decades—of legal paperwork to get an accurate picture of the house’s home ownership.

Depending on the area of the country, up to 10% of transactions can have title issues that can delay the closing and throw off the moving schedules for buyers and sellers alike if not dealt with early. But if the title search is not expedited to review early in the transaction period, title defects can be discovered too late in the process causing delays and all kinds of additional hassles.

Certified GUARDIAN REALTORS® who represent Member Buyers must obtain and review the preliminary title within 10 days ofter the contract has been signed if at all possible. That means the agent must be proactive to make sure the title has been ordered and is on its way.  Why? Again… to learn early in the transaction period if there might be any issues that need to be overcome, eliminating costly delays for the Member Buyer from closing, moving disruptions, and rescheduling hassles.

Here are the most common problems found in Property Title Searches:

• • Boundary disputes
  • Bankruptcies
  • Uncovered will
  • Documents
  • Liens or debts
  • Clerical, or public records errors
  • Other owners
  • False impersonation of owner
  • Easements
  • Divorce edicts

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $500 Per Transaction, Lifetime Value: $3,500

SAFEGUARD #9

HOMEOWNERS INSURANCE

COST REDUCTIONS

Safeguard Against Homeowners Insurance Over-Payments

A standard homeowners insurance policy provides coverage to repair or replace your home and its contents in the event of damage. That usually includes damage resulting from fire, smoke, theft or vandalism, or damage caused by a weather event such as lightning, wind, or hail. Other coverage like earthquake and flood can be added.

Realty Guardian staff continually analyzes homeowners’ insurance for the best and lowest rate options, offering reviews and updates.

Ways to lower your insurance costs:

1. 1. Shop around and use a source who conducts insurance rates.
   2. Raise your deductible.
   3. Buy both auto and home policies from the same insurer.
   4. Make your home more disaster resistant.
   5. Improve your home security.
   6. Seek out other discounts, like retiree discounts or group insurance programs.
   7. Maintain a good credit record.
   8. Stay with the same insurer.
   9. Consider the home purchase location and details that can foster discount opportunities: closer distance to a hydrant, a professional rather than volunteer fire department, home’s electrical, heating, and plumbing system less than 10 years old, wind and disaster resistant homes, homes outside of the flood zone, etc.

CRITICAL LOSS PREVENTION MEASURE

 Potential Value Up to $2,200 Per Transaction (Up to $315 Per Year), Lifetime Value: $15,400

SAFEGUARD #10

PENDING HOA REGULATIONS

REVIEW

Safeguard Against Undisclosed Pending HOA Fees

HOA stands for Homeowners Association, and rules and regulations are levied on owners for the control and maintenance of amenities within the association area/subdivision such as condominiums, co-ops, gated communities, and certain subdivisions and neighborhoods. Recorded legal documents establish rules of conduct and other property rights and privileges that all owners are to adhere to.

The primary purpose of an HOA is to protect property values and maintain common elements of the community. In this regard, the association can impose regular fees upon the homeowners to build funds for necessary property maintenance. They may also regulate specific aesthetic aspects of units. The fees can cover the upkeep of common areas such as shared hallways, elevators, lobbies, club houses, pools, building exteriors, sporting facilities, parking lots, and much more. It often covers snowplowing, gardening, and repairs to common areas.

However, there can be issues when buying a home within the control of the HOA.  In one Florida case, a subdivision HOA passed a new bylaw stating on a certain date a substantially higher fee would be assessed for any new homeowners. That increase was not publicized. A home buyer just happened to close the day after the new fees were implemented, which resulted in an additional HOA fee of $5,000 for the buyers to join the required Homeowner’s Association. The buyer could have easily closed one day earlier which have prevented this excessive cost, but their agent failed to check, and the title company failed to raise the concern.

For this reason, to protect Member Buyers, Trusted GUARDIAN REALTORS® must contact the HOA for any pending increases, undisclosed fees, or any new restrictions and regulations not yet filed on court records to protect our buyers from undisclosed fee increases or new bylaws.

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $1,500 Per Transaction, Lifetime Value: $10,500

SAFEGUARD #11

FINAL WALK-THROUGH

SAFETY CHECK

Safeguard Against Costly Surprises: Required Final Walk-Through Prior to Closing

What is a Final walk-Through? The buyer(s) and their real estate agent walks through the property to check that there’s no new damage, that all the home’s systems and appliances included in the sale are still on the premise and are working, and that the home is in an acceptable condition. You’d like to trust that everything would be fine and kosher once your offer has been accepted on a house, but that isn’t always the case. It’s wise to be vigilant and thorough throughout the entire buying process, all the way to the end.

Final walk-throughs are not required. From a liability standpoint you will always need to. The closer to the closing, the better. It’s the agent’s responsibility to schedule it. But agents will sometimes skip this important step out of busyness or laziness.

Realty Guardian “requires” all Trusted GUARDIAN REALTORS® to conduct a property walk through with the Member Buyer within 24 hours (if at all possible) of the closing and to leave behind a Personal Property List Reminder of items that are to stay. Walk-through safeguards are not done consistently with many stories of damages discovered after the closing like water streaming into the basement, leaking water from refrigerator lines causing ceilings to fall in, major appliances missing and other countless surprises.

Once the house purchase closing is done and over, getting sellers to pay for damages and missing items are nearly impossible. Prevention of any loss is the key factor. The most common problems that agents report that can delay a closing or surprise you after closing if walk-through is not conducted:

• • Seller has not even began to move out
  • Missing appliances or appliances changed out with lower grade units
  • Extremely Dirty house, or lots of items remaining in the house to clean out
  • Repairs are not completed, or repairs not completed to professional standards
  • Water flooding the basement, or ceilings collapsed from leaking plumbing
  • Squatters in house, or pets left behind including snakes
  • Move-out damage, bats, rats, or squirrels in attic
  • Trash and debris outside, including large fallen trees and junk vehicles, landscaping shrubs taken
  • Systems down, toilet overflowing, copper pipes stolen from the house

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $500 Per Transaction, Lifetime Value: $3,500

SAFEGUARD #12

WIRE FRAUD PROTOCOL

Safeguard Against Wire Fraud: Do Not Lose Hard-Earned Money

Wire transfers, which are also known as wire payments, allow money to be moved quickly without the need to exchange cash. They allow two parties to transfer funds even if they’re in different (geographic) locations safely. A transfer is usually initiated from one bank or financial institution to another. However, recently more than 13,000 people were victims of wire fraud in the real estate and rental sector, with losses of more than $213 million—an increase of 380% since 2017, according to FBI data.

Cyber-crimes are on the rise. Mortgage wire fraud is a scam in which a hacker poses as a real estate agent or party to the transaction and convinces individuals to divert closing funds to a fraudulent account. Best practice is that any wish to pay for any closing costs via wire transfer from your bank account, it should be dealt with directly with the title and settlement provider in conjunction with learning your final funds amount. If a Trusted GUARDIAN REALTOR® or the title company directs you to provide wire instructions via email for your closing funds, ALWAYS phone verify with the appropriate recipient that the requested information is legitimate, and that the ABA, routing numbers, account numbers, and/or SWIFT codes are correct!

Hackers can break into a real estate professional’s email account and sit in silence, monitoring for upcoming transactions. Once the hackers find a victim in the process of buying a home, they send a fake email that looks like it’s from their agent, lender or attorney with wiring instructions to a fraudulent account. The homebuyer then unwittingly wires the funds directly into the hacker’s account. When they click send, the money is gone. Hackers can also trick agents into downloading malicious software either through an email or by other means. From there, hackers have access to any information needed to steal money.

To protect our Members from this issue, there are four key points we want you and your agent to follow to ensure you are protected:

1. Always use telephone person-to-person communication, talking to the person asking for money.

2. Use strong, unique passwords.

3. We instruct title companies to not email or text wire information.

4. Understand the normal means of communication so you’ll be more aware if something seems off. Trust your gut.

Trusted GUARDIAN REALTORS® are instructed to follow fraud protocols for any wire transfer, using strong passwords and wire transfer approvals. All must be monitored with safety checks to verify the wire is legitimate, so no money is wired to a criminal.

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $10,000 Per Transaction, Lifetime Value: $70,000

Related Article: One in Ten Americans Targeted for Real Estate Fraud, One in Twenty Suffer Losses, Survey Reveals

SAFEGUARD #13

MOVING CONCIERGE SERVICES

Safeguard of Time, Peace of Mind: Move Made Easier

When using the Realty Guardian Platform for a home purchase, Members have the option to use the Realty Guardian affiliate Utility Concierge at no-cost, with services including:

1. 1. Filing a change of address
   2. Help new owners set up utilities and other home services like TV, internet, home phone, and security (however, in some states like Kansas, the owner has to make the connection call to the utility companies.
   3. Coordinating pet move or pet adoption accommodations
   4. Coordinating vehicle transportation
   5. Coordinating specialty items (piano, wine collection, grandfather clock, etc.)
   6. Arranging the storage of belongings onsite or offsite
   7. Full packing and unpacking services
   8. Arranging cleaning services, like janitorial and carpet cleaning
   9. Junk removal
   10. Handyman services
   11. Disassemble/reassemble of gym, office, and billiard table

Utility Concierge partners with all of the major providers, so they are able to provide a choice model for you. They present you with pros and cons of each provider, provide side-by-side price comparisons, and highlight any hidden fees or price increases. They are often able to get those services set up for you, and even assist in moving the dates–if your closing date changes.

**Depending on various state and county laws, some basic utility providers will require the homeowner to agree to terms and conditions. If this is the case, Utility Concierge gets you as close to the finish line as they legally can by:

• Verifying the utility provider(s) for the new address
• Providing details on what the client will need (closing papers, a letter of credit to bypass deposits, information on any deposits that are required, state-issued ID’s, etc.)
• Providing any and all application links
• Sharing the providers’ contact information
• Assisting with wait times if the client is having issues

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $1,000 Per Transaction, Lifetime Value: $7,000

SAFEGUARD #14

ENDORSED SERVICE PROVIDERS LIST

Safeguard Against Unreliable Providers: Creating a Better Home & Life

Wish you knew what the top home services that real estate agents endorse from their every day experience in the real estate grind? Whether it is the lawn needing a fresh cut, the gutters in need of a solid cleaning, or the annual chimney sweep before winter—homeowners have a lot on their plate when it comes to home maintenance. The time, energy, and knowledge involved when it comes to maintaining a home can be burdensome for homeowners, whether selling a house or trying to improve your current home to stay.

There are many options, but the 11 most common home service providers are:

• • Plumbing services
  • Gutter cleaners
  • Paint & drywall repairs
  • Cleaning
  • Landscaping & lawn care
  • Chimney sweeps
  • Siding repairs
  • Cracked concrete
  • Siding repairs
  • Handyman
  • Remodelers
  • HVAC systems
  • Window cleaning

In addition to hiring dependable home service companies, other service advisors also play an important role in building wealth and providing advice. In a trusting relationship, good advisors can step in to remind families of their long-term goals and to point them toward the things they can control, including costs, diversification, and tax efficiency. Realty Guardian is constantly studying service providers including Lifestyle Advisors such as Tax Preparers and CPAs, Financial Wealth Advisors, Living Trust & Will Advisors.

The Realty Guardian staff will always pursue the best of the best service providers and advisors. Landing the right contractors and sound financial counsel protects Members against unscrupulous contractors, potential troubles, costly mistakes, and loss of wealth. Our list continues to grow and even change over time. Just contact Realty Guardian for our list of Endorsed Service Providers.

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $2,500 Per Transaction, Lifetime Value: $17,500

SAFEGUARD #15

CONTRACT FAILURE & CANCELLATION™

FAILED TRANSACTION REIMBURSEMENT

Available For Negotiated Sales Prices $150,000 or Above)

Safeguard for Out-of-Pocket Costs: Deals Gone Bad & Contingency Issues

Realty Guardian provides BUYER CASH Safeguards for contract purchases that fail due to no fault of the Buyer as long as the seller has released the Buyer based on the terms of the contract. For example, 1) a bad appraisal when a new sales price cannot be negotiated, 2) the lender financing falls through after a letter of qualification was issued by the lender, and 3) repairs that cannot be agreed upon.  Up to one-half the cost of the appraisal (up to $600) and one-half the cost of any inspections related to the purchase (up to $600) is covered by the Realty Guardian Buyer’s Safeguard Plan. 

As with all cash reimbursement safeguards, this compensation applies only for negotiated sales prices above $150,000. All other safeguards that are non-financial reimbursement safeguards still apply to all transactions.

CRITICAL LOSS PREVENTION MEASURE

Cash Value Up to $1,200 Per Transaction, Lifetime Value: $8,400

SAFEGUARD #16

LEGAL CONSULTATION SAFEGUARD™

(Available For Negotiated Sales Prices $150,000 or Above)

Safeguard Against Surprising Legal Consultation Expenses

You might need legal assistance and expert advice if you feel you have been wronged during or after a transaction. Legal matters are very delicate, and you should not take them lightly. Real estate dealings may be fraught in difficulties and legalities based on various factors such as hidden undisclosed defects, breach of contract, and other factors which can add up to thousands of dollars. For every transaction on the Realty Guardian Platform, Member Buyers are entitled to 50% of the cost for the first legal consultation session during the contract period and the first year that follows should the need arise to consult a real estate attorney related to the home purchase when using a Trusted GUARDIAN REALTOR®.

A seller might:

1. 1. Not Disclose All Past Property Problems: In their enthusiasm to sell their property, sellers may not be as open as they should be about past property problems.
   2. Not Think Through Fixtures: Confusion and conflict over what is considered a fixture of a property is common between buyer and seller.
   3. Say the Wrong Thing to the Buyer: Some sellers have found themselves facing a lawsuit for giving the buyers false information which they rely on when making their decision to purchase the property.
   4. Cover Up Property Problems: Sellers may be tempted to cover up property problems, so they aren’t obvious when prospective buyers inspect the property. It might be paint to cover imperfections, furniture placement to cover damaged walls or flooring, or paneling to cover termite damage.
   5. Not Disclose Neighborhood Issues: Disclosures do not only pertain to defects within the property. In most states, it’s also necessary to disclose any other issue that can materially affect the value or desirability of a property and its intended use.

As with all cash reimbursement safeguards, this compensation applies only for negotiated sales prices above $150,000. All other safeguards that are non-financial reimbursement safeguards however still apply to all transactions.

CRITICAL LOSS PREVENTION MEASURE

Cash Value Up to $600 Per Transaction, Lifetime Value: $4,200

SAFEGUARD #17

TITLE FRAUD ALERT REVIEW

Safeguard Against Home Equity & Title Thief

Everything is stored online these days including your home’s title information. Domestic and international cyber-thieves target U.S. homeowners equity in their homes. Removing you from your new home’s title takes just minutes. Then they forge their name on the title document and refile it. Next, they take out loans using your home’s equity and stick you with the payments. You likely won’t know until you get a late payment or foreclosure notice from several banks. Identity theft programs, banks, and homeowner insurance policies DON’T protect you.

However, homeowners are paying hundreds and in time thousands of dollars for a third party to protect them against this fraudulent activity when you can receive notifications directly from the some participating county government Land Records offices at NO COST when a document is filed with your name match.

Realty Guardian will notify you if this service is available in your area, so you can decide what is best for you, but potentially saving you thousands of dollars paid to third parties, and protecting you with notifications if you don’t carry any coverage by third party protection.

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $2,500 Per Transaction, Lifetime Value: $17,500

SAFEGUARD #18

HOMEOWNERS QUARTERLY NEWSLETTER

& SEASONAL MAINTENANCE ALERTS

Safeguard Against Information Deficit: Maintaining Home’s Condition & Value

All MEMBERS receive Realty Guardian’s four-page quarterly newsletter printed and delivered by USPS to your mailbox, tightly packed with home trends, home maintenance, lawn and garden tips, cool ideas like vintage furniture, up-to-date paint colors and decorative ideas, how to raise your home value, and fun recipes. Plus, Realty Guardian sends automated quarterly emails for seasonal home maintenance reminders to our HOMEOWNERS. The commitment to consistently communicate also serves as a reminder Realty Guardian has every MEMBER’S best interests top of mind and are willing, ready, and able to help improve and protect your current and future home value.

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $200 Per Transaction, Lifetime Value: $1,400

SAFEGUARD #19

ANNUAL CUSTOM PROPERTY REPORTS

Intrinsic Safeguard Against a Changing Market & Any Neighborhood Decline
In a 12+ Page Custom Report

Where available, upon Membership and every anniversary thereafter, the Member Homeowner will receive a 12+ page ANNUAL CUSTOMIZED PROPERTY REPORT featuring their property and neighborhood with easy-read charts and stats.

Depending on your location and available data, the Property Report might include the home’s current Property History, Comparable Properties, Mortgage & Deed History, Sales & Financing Activity, Estimated Home Values, 12-Month Changes in Value, Neighborhood Housing Stats, Demographics, Quality of Life Stats, and much more.

As a REALTY GUARDIAN Member, you can request an updated report anytime during the year.

CRITICAL LOSS PREVENTION MEASURE

Potential Value Up to $200 Per Transaction, Lifetime Value: $1,400

SAFEGUARD #20

BUYER RELOCATION SERVICES

Safeguard for Relocation Move: Professional Connections in Other Cities

When relocating outside of the home area to anywhere else in the US, a Realty Guardian Staff Advisor will locate a Trusted GUARDIAN REALTOR® or if not available in that area, will locate an experienced REALTOR® in the destination city who can meet our Member Buyer’s needs to help expedite their home search, transaction, and move. Realty Guardian will share our Package of TRANSACTION SAFEGUARDS™ with that agent, seeking his/her agreement to follow as many as possible to meet our high standards.

If using the referred REALTOR® for your transaction with a sales price $150,000 or above, Realty Guardian will protect you with 50% shared costs up to the limits. WARRANTY SERVICE FEE REIMBURSEMENT SAFEGUARD up to $400 (up to 6 service calls) if a one-year warranty is purchased, CONTRACT FAILURE & CANCELLATION SAFEGUARD™ up to $1,200 reimbursements for appraisal and inspection expenses on any purchase that goes badly and is officially released according to the terms of the contract.

Also, LEGAL CONSULTATION SAFEGUARD™ up to $600 reimbursement will be provided for the relocating Member Buyer if legal advice is needed on their end during the transaction or the first year after the closing for any Realty Guardian Platform Referral to the out-of-town agent.

As with all cash reimbursement safeguards, this compensation applies only for negotiated sales prices above $150,000. Other safeguards that are non-financial reimbursement safeguards still apply when a GUARDIAN REALTOR is available at the new location destination.

CRITICAL LOSS PREVENTION MEASURE

Cash Value Up to $2,200 Per Transaction, Lifetime Value: $15,400