IT'S NO SECRET THAT OWNING A HOUSE OR CONDOMINIUM IS THE KEY TO FINANCIAL SECURITY Mary Genovese Colvin takes the time every day to learn what's going on in the Arizona Real Estate market, property by property. Mary takes advantage of a database that is much more than a computer program. She uses the latest technology and applies a great deal of intangible knowledge to make wise real estate recommendations. CREATING SATISFIED CUSTOMERS   "My wife and I looked for a new house for 3 years before we met Mary. We purchased the first place she showed us. Mary knows Real Estate but she really knows what her clients want!   -Ann and Howard Sacks   "Mary Genovese Colvin is nothing less than the Best, Most Honest, and Most Competent Realtor in Arizona. She works equally hard for all her clients, regardless of the dollar amount involved. She's the greatest!   -James Kephart, Esquire PURCHASE CONTRACTS Most negotiations are conducted in writing. When the Agreement is prepared and signed, it is traditionally accompanied by a good faith deposit made out to the Escrow Company. If the offer is accepted, an additional deposit is required to bring the amount being held in escrow to 10% of the sale price. If the offer is rejected by the Sellers, the initial good faith deposit is returned to the Buyers and the Purchase Contract is declared void. All terms of an accepted Purchase Contract are binding, so be sure to detail all of your terms in writing prior to submitting an offer to the Seller, or the Seller's Agent. Closing costs incurred as part of the purchase will differ based on the parameters of the Purchase Contract. Mary will give you an estimated breakdown of your closing costs and your monthly payment before you sign an Purchase Contract.

BUYING A RESIDENCE RAISES MANY QUESTIONS Mary answers the tough questions every day. Her expertise and experience will give you the answers to your real estate questions. What are some of the tax advantages of owning a home? What price home can I afford? What is the best way to know what kind of home is right for me? What's the most efficient way to know what is on the market? OBTAINING A MORTGAGE Today's mortgage financing is as complex as it is varied, so contacting a lender even before you find a home to purchase is sometimes advised. Mary can assist you in finding the mortgage with the best terms and the lowest rates for your individual needs. CLOSE OF ESCROW Close of escrow, an agreed upon time between Buyer and Seller, usually takes place within 60 - 90 days after the Sellers acceptance of an offer. Close of escrow, transfer of title, conveyance and closing are all terms used to describe the final step of your purchase. ESSENTIAL TECHNOLOGY Technology has always been at the forefront of Prudential Arizona Properties / Sterling Fine Homes & Land's business strategy. Proven in it's ability to increase efficiency and consumer satisfaction, technology is an integral factor in Prudential Arizona Properties / Sterling Fine Homes & Land's incredible rate of growth. 24 hour voice mail service, a network of Internet sites, and full computerization are just a few of the every day systems that assist our team of professionals in delivering a level of service to consumers that cannot be exceeded. REMEMBER! Ownership is a durable investment, which allows you to take control of your housing costs.

MARY GENOVESE COLVIN Associate Broker 6702 E. Cave Creek Rd., Suite A Cave Creek, Arizona 85331 Direct: 602-568-5100 · Fax: 480-575-6578

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