TERMS OF USE

Last Updated: April 2023

 Please read these Terms of Use carefully before continuing on with your use of the Services. By accessing and/or using the Services (including without limitation our websites and mobile applications) You are agreeing to these Terms of Use. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT ACCESS OR USE THE SERVICES. By registering with or accessing the Service you are acknowledging and accepting these Terms of Use (these "Terms"). Capitalized terms are defined below.THESE TERMS OF USE CONTAIN A MANDATORY INDIVIDUAL ARBITRATION AND CLASS ACTION/JURY TRIAL WAIVER PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS. BY AGREEING TO THESE TERMS OF USE AND THE ARBITRATION AND CLASS ACTION WAIVER PROVISION, YOU WAIVE YOUR RIGHT TO BRING A LAWSUIT IN COURT.Coldwell Banker Real Estate LLC (“We”) fully support the principles of the Fair Housing Act and the Equal Opportunity Act.Some words used in these Terms of Use have a specific definition. You can find these definitions at the end of these Terms of Use.

1. These Terms
This is a legally binding agreement. The terms "you" and "your" refer to an individual registering with or accessing the Service. You represent that you have the full right, power, and authority to enter into and perform these Terms without the consent of any third party.We may, in our sole discretion, amend these Terms from time to time upon notice. Your continued use of the Service after any such change constitutes your acceptance of the amended Agreement. If you do not agree to any portion of these Terms at any time, you must cease your access and use of the Service.

2. Use of the ServiceA. Accounts
You may register, maintain, and create an Account for the Service. You are responsible and liable for all activities conducted in connection with your Account, for maintaining the security of your username and password, and for the accuracy of all information relating thereto, including contact, technical and payment information, and your login credentials. You will promptly (i) update any Account information when it changes, and (ii) notify us of any unauthorized use of your Account, including any security or data breach. You may only connect to the Service through your Account and in accordance with our access procedures. You will not allow an Account to be shared or used by more than one individual. By providing us with your email address you consent to us sending you Service-related notices. You must be eighteen (18) years of age or older to use the Service.

B. Service Rules
You will use the Service strictly in accordance with these Terms, all Documentation, the Privacy Policy, and Applicable Law. You will not engage in any of the following activities:

(i) use the Service in violation of any third-party license or agreement;

(ii) use the Service to collect, process, or store bank account information, credit or debit card information, personally identifiable information pertaining to children under 13, or health or medical information (including 'Protected Health Information' as defined in the Health Insurance Portability and Accountability Act of 1996);

(iii) sublicense, sell, transfer, assign, distribute, republish, rent, lease or transmit in any form or by any means any part of the Service;

(iv) use, modify, copy, or create derivative works from the Service or Marks without the applicable owner's written permission, including without limitation using automated or manual means to access Content from the Service;(v) frame, mirror, embed or otherwise incorporate any portion of the Service in any other service or product;(vi) scrape or use any automated means to collect data from the Service or any website;

(vii) reverse engineer, decompile, or disassemble any part of the Service, or use or access any part of the Service in connection with any other product or service using features, functions or graphics similar to any part of the Service;

(viii) remove, obscure, or alter any Intellectual Property Rights notice related to any part of the Service or Marks;

(ix) send or store unsolicited, infringing, harassing, obscene, threatening, harmful, defamatory, or otherwise unlawful Content;

(x) facilitate the transmission or use of any: (a) malicious code (including malware, viruses, worms, and Trojan horses); (b) traps, time bombs, or other code with a latent ability to disable or cripple software or services; or (c) code that would allow any party to interfere with or access any of portion of the Service;

(xi) interfere with, disrupt, or overburden the integrity or performance of the Service, or interfere with any other use of the Service;

(xii) attempt or assist others to attempt to gain unauthorized access to the Service or its related systems or networks; or(xiii) use the Service in any way not expressly authorized by these Terms.

C. Service Changes; Suspension
We may, without prior notice, change the Service, stop or suspend access to any or all of the Service,

or create usage limits for the Service. Your continued use of the Service after any change or limitation constitutes your acceptance thereof.

D. Monitoring; Records
We have the right, but not the obligation, to review and monitor your use of the Service at any time, with or without notice, including Communications, to ensure compliance with these Terms.

E. User Content and Behavior
Because we do not control Content, you acknowledge and agree that we are not responsible for any Content and we make no guarantees regarding the accuracy, currency, suitability, or quality of any Content. Your interactions with Users are solely between you and such Users and we are not responsible or liable with respect to any such interactions. If there is a dispute between you and any User, we are under no obligation to become involved. We reserve the right to change, condense or delete any content, information, or other materials on the Service (including your Content).

F. Your Representations You represent and warrant that you:

(i) are entitled to grant the rights and licenses to your Content under these Terms and none of your Content will infringe any party's Intellectual Property Rights or violate Applicable Law;


(ii) will not sublicense, sell, license, assign, or transfer to any party any information obtained through the Service or engage in any other commercial exploitation of the Service;

(iii) have the right and authority to enter into these Terms, and that by entering into or executing your obligations under these Terms, you will not be in breach or violation of the terms of any agreement with or obligation to any third party;


(iv) are a prospective purchaser or seller of real property in the geographic areas where we are licensed and operating with a bona fide interest in the purchase or sale of such real property;

(v) have not signed any agreement with a real estate broker or agent that would prevent you from using one of our offices as your sole and exclusive broker or agent, and you do not have a contract or agreement with any third party that would interfere with our representation of you;


(vi) will limit your search on the Service to properties within your anticipated purchase ability or price range and to the properties that meet your other criteria;

(vii) will not (a) contact the owner or seller of any property from information gained through the Service or (b) attempt to enter the property or speak with an owner or seller without an appointment set by us;

(viii) will abide by all copyright restrictions placed on the content of the Website including, but not limited to, any material or data compilations where we or others may hold the copyright;

(ix) agree that we may also represent other prospective buyers seeking to purchase properties that may meet your criteria;

(x) authorize us to review and provide copies of various documents in any of your transactions relating to the Service, including without limitation home inspection reports and closing papers;

G. Agent Users
Any User that holds any type of real-estate license, including, but not limited to a brokers, associate brokers or salespersons license other than Agents must immediately advise us before that User may access any password protected material including, without limitation, house listing data or other data compilations. We reserve the right to deny or terminate access to any real-estate agent who is not an Agent, except for the real-estate agent's limited purpose of accessing the Website for verifying compliance with MLS rules.

H. Property Data Restrictions
In addition to other restrictions herein, for the avoidance of doubt, all property data provided on the Service is for your personal, sole and private, non-commercial use and not available for redistribution, retransmission or copying. You may not sell or use such data for any purpose, other than the purpose of attempting to evaluate properties or properties for sale or purchase. You acknowledge that the MLS data on the Service is owned by the respective MLS, and you acknowledge the validity of the MLS's copyright to such data.

3. Licenses

A. License to You
Subject to these Terms, we grant you a non-exclusive, non-sublicenseable, nontransferable, limited

right, solely during the term of the Agreement, to access and use the Service solely for your non- commercial purposes related to searching for real estate for personal use.

B. License to Us
You grant to the us a non-exclusive, sublicensable, transferable, perpetual, irrevocable, royalty-free, worldwide license to use, develop, transmit, distribute, modify, reproduce, publicly display, and create derivative works of any of your Content to provide, develop, maintain, support, and improve the Service and the Affiliated Entities services.

C. Maps
The Service may feature Microsoft Bing Maps and Google Maps. Use of Microsoft Bing Maps is subject to the Bing Maps Terms of Use and use of Google Maps is subject to the Google Maps Terms of Use and Privacy Notice. Such services are not under the control of Affiliated Entities. Please review the terms of use or privacy policies of these services for rights and restrictions.

4. Ownership Rights

A. Our Ownership Rights
As between you and us, (i) we solely and exclusively own and will continue to own all right, title and interest in and to the Service and Marks; (ii) you will do nothing inconsistent with such ownership, including by challenging title or registering or attempting to register Marks or any similar trademarks; (iii) no title to or ownership in the Service or Marks, or any associated Intellectual Property Rights embodied therein, is transferred by implication to you under these Terms; and (iv) any use of Marks by you that is permitted under these Terms will inure to the benefit of and be on behalf of the applicable owner. You will promptly notify us of any use of the Service or Marks by any party that is not authorized by these Terms. If you provide us or any affiliate with Feedback, you assign to such entity all right, title and interest in and to such Feedback, including all Intellectual Property Rights therein, waiving all claims thereto, including claims of payment and credit.

B. Your Ownership Rights
As between you and us, and subject to Sections 3(B) and 4(A) above, you own all right, title and interest in and to your Content.

5. Data
You agree that the Affiliated Entities, including us, may collect, store, use, and distribute information in accordance with the Privacy Notice, including in respect of your information and data. You will comply with the Privacy Notice. Without limiting the rights contained in the Privacy Notice, You understand and agree that we may use both the data you input into as well as usage data (such as search criteria) to provide and improve our real estate services.

6. Compliance
We do not provide compliance services.You agree that the Service is provided for your convenience only, and not for purposes of enabling you to meet your obligations under Applicable Law and third-party agreements. You are solely responsible for ensuring compliance with such obligations.

7. Payment
If any amounts are due hereunder, you will pay us in accordance with statements issued by us or otherwise as agreed within the Service. Pricing for any portion of the Service is subject to change upon our notice. Pricing excludes, and you will pay, all taxes, but neither party will pay income taxes of the other party. For any amount you fail to pay by its due date, we may charge you a late penalty on the amount overdue each day it is overdue until it is paid, equal to the lesser of (a) the maximum legally permissible interest rate, and (b) an interest rate of five percent (5%), which reflects the cost of our efforts to collect your payment. You will pay amounts through the means determined by us, including without limitation through a payment service provided by us or a PSP. If a PSP is used, you may also be required to register with the PSP, agree to the PSP's terms of service and privacy policies, and go through a vetting process at the request of the PSP. Please note we are not a party to the PSP's terms of service and privacy policies and we have no obligations or liability to you under any such terms or policies.

8. NO WARRANTIES
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. USE OF THE SERVICE HEREUNDER IS AT YOUR SOLE RISK. THE AFFILIATED ENTITIES DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY , FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON- INFRINGEMENT, AS WELL AS ANY IMPLIED WARRANTY ARISING FROM COURSE OF PERFORMANCE, COURSE OF DEALING OR USAGE OF TRADE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, NO AFFILIATED ENTITY, INCLUDING US, AND EACH OF THEIR LICENSORS AND SUPPLIERS DO NOT WARRANT THAT ANY PORTION OF THE SERVICE, CONTENT THEREIN OR MLS FEED IS ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR COMPLY WITH LAWS APPLICABLE TO YOU; THAT ANY PORTION OF THE SERVICE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED, BACKED UP, SECURE, OR FREE FROM BREACH OR INTERCEPTION OF DATA OR YOUR CONFIDENTIALITY INFORMATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SERVICE IS DOWNLOADED AT YOUR OWN RISK. NEITHER US NOR ANY AFFILIATED ENTITY WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT, SERVICE, LINK OR ADVERTISEMENT OFFERED BY ANY THIRD PARTY THROUGH THE SERVICE OR ANY LINKED WEBSITE OR SERVICE, AND NEITHER US NOR ANY AFFILIATED ENTITY WILL BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND ANY SUCH THIRD PARTY.

9. LIMITATION OF LIABILITY
IN NO EVENT WILL ANY AFFILIATED ENTITY, INCLUDING US, OR ANY OF THEIR EMPLOYEES, LICENSORS, CONSULTANTS, CONTRACTORS, OR DIRECTORS, BE LIABLE FOR COSTS OF PROCUREMENT OF SUBSTITUTE GOODS, LOSS OF REVENUES, LOSS OF PROFITS, LOSS OF DATA, ERRORS, OMISSIONS, MISCALCULATIONS, MISREPRESENTATIONS OF VALUE, OR FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, EXEMPLARY, OR OTHER DAMAGES. THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF ANY AFFILIATED ENTITY, INCLUDING US, HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THIS LIMITATION ON LIABILITY DOES NOT APPLY TO PERSONAL INJURY. OUR LIABILITY TO YOU FOR USE OF AND/OR ACCESSING THE SERVICES OR WEBSITES SHALL IN NO EVENT EXCEED THE GREATER OF THE FEES, IF ANY, YOU HAVE PAID FOR THE SERVICES OR TEN(10)DOLLARS. THEREFORE GOING LIMITATION OF LIABILITY WILL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

10. Indemnification
You will indemnify, defend and hold us, including any Affiliated Entity, harmless from and against any and all Claims to the extent arising out of or in connection with your (i) breach of these Terms; (ii) conduct involving fraud, negligence, omissions, or willful misconduct; and (iii) misuse of the Content or any other misuse of the Service.

11. Third Parties
We may, in our sole discretion, (a) delegate or subcontract the performance of any portion of the Service to third party service providers, and (b) make available one or more Third Party Products to you in connection with the Service. Third-Party Products may be separately licensed to you by their respective providers. If you access a Third-Party Product from the Service, you do so at your own risk, and the User understands that these Terms and the Privacy Notice do not apply to your use of such sites. You expressly relieve us from any and all liability arising from your use of any Third-Party Product, and we make no representations or warranties of any kind in respect thereof. PLEASE ALSO VISIT THIRD PARTY WEBSITES TO REVIEW THEIR TERMS OF USE. ADDITIONALLY, THERE MAY BE LINKS TO THIRD PARTY SITES WHICH ARE NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE.

12. Confidentiality
Recipient may use Disclosing Party's Confidential Information solely to perform Recipient's obligations or exercise its rights hereunder. Recipient will not knowingly disclose, or permit to be disclosed, Disclosing Party's Confidential Information to any third party without Disclosing Party's prior written consent, except that Recipient may disclose Disclosing Party's Confidential Information solely to Recipient's employees and/or subcontractors who have a need to know and who are bound in writing to keep such information confidential pursuant to confidentiality agreements containing nondisclosure obligations substantially similar to those in these Terms. Recipient agrees to exercise due care in protecting Disclosing Party's Confidential Information from unauthorized use and disclosure, and in any case will not use less than industry standard security measures and the degree of care a reasonable person would use. The foregoing will not apply to any information that: (i) is in the public domain through no fault of Recipient; (ii) was properly known to Recipient, without restriction, prior to disclosure by Disclosing Party; (iii) was properly disclosed to Recipient, without restriction, by another person with the legal authority to do so; (iv) Recipient independently develops without use of Disclosing Party's Confidential Information; (v) is expressly permitted to be disclosed pursuant to the terms of these Terms; or (vi) is required to be disclosed pursuant to a judicial or legislative order or proceeding; provided that, where possible, Recipient provides to Disclosing Party prior notice of the intended disclosure and an opportunity to respond or object thereto. Our Confidential Information includes these Terms, our pricing, our Intellectual Property Rights, and the Service. Notwithstanding the foregoing, our obligations under this section are subject to the disclaimers set forth in Section 8 above.

Our obligations with respect to your Confidential Information under these Terms are subject to the Privacy Notice. Please review our Privacy Notice.

13. Termination
These Terms will continue in full effect unless and until your Account or these Terms is terminated as described herein. We may terminate these Terms for convenience upon notice. Upon termination of the Agreement, the rights and licenses granted to you hereunder will immediately terminate. Upon termination of these Terms, you grant to us a non-exclusive, non-sublicenseable, non-transferable, irrevocable, and perpetual license to use the data and information collected by the Service under your Account during the term of these Terms, and to use such data and information in accordance with the Privacy Notice.

14. Third Party Beneficiary
You expressly acknowledge and agree that we have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof, and that we will have the full benefits of these Terms. These Terms do not and are not intended to confer any rights or remedies upon any person other than the parties and as otherwise expressly stated herein.

15. Assignment
These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by

you without our prior written consent, but may be assigned by us without restriction. Any attempted transfer or assignment in violation hereof will be nil and void.

16. General

A. Nature of Relationship
The relationship of the parties under these Terms will be that of independent contractors. Neither these Terms as a whole or any part of these Terms will render either party the agent, representative, servant, or employee of the other party. Neither party has the power, express or implied, to bind the other party in any manner or to make representations on behalf of the other party regarding any matter. Except as stated in the Agreement, we will in no way be restricted from using or commercializing all or any portion of the Service or performing or receiving any services from any third-party including services the same as or similar to the Service provided or received in connection with these Terms.

B. MODIFICATION
We may modify any of these terms and conditions at any time, in our sole discretion, by posting the updated Terms. The changes will become effective no sooner than 30 days after posting, please check the Terms from time to time for updates. YOUR CONTINUED USE OF AND/ACCESS OF THE SERVICES OR THE WEBSITES FOLLOWING A CHANGE WILL CONSTITUTE YOUR ACCEPTANACE OF THE CHANGE.

C. AGREEMENT TO ARBITRATE DISPUTES
PLEASE READ THIS SECTION CAREFULLY - IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. ARBITRATION IS A WAIVER OF THE RIGHT TO BRING SUIT IN COURT.

THIS SECTION CONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER. IF YOU ARE A U.S. RESIDENT, YOU ALSO AGREE TO THE FOLLOWING MANDATORY ARBITRATION PROVISIONS:

WE BOTH AGREE TO ARBITRATE:

You and all Affiliated Entities agree to resolve any claims relating to these Terms through final and binding arbitration, except that, to the extent you have in any manner violated or threatened to violate our intellectual property rights (for example, trademark, trade secret, copyright, or patent rights). Under such circumstances, any Affiliated Entities may bring a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Site, or intellectual property infringement (for example, trademark, trade secret, copyright, or patent rights) without first engaging in arbitration or the informal dispute resolution process described above.

WHAT IS ARBITRATION: Arbitration is more informal than a lawsuit in court and seeks to resolve disputes more quickly. Instead of a judge or a jury, the case will be decided by a neutral arbitrator who has the power to award the same damages and relief that a court can. Thus, you agree that you are waiving your right to sue or go to court to secure relief, and instead agree to the arbitration process as stated in this provision. If any provision of this arbitration agreement is found unenforceable, the unenforceable provision shall be severed, and the remaining arbitration terms shall be enforced.

ARBITRATION PROCEDURES: The Federal Arbitration Act governs the interpretation and enforcement of this dispute resolution provision. Arbitration shall be initiated through JAMS. Any dispute, controversy, or claim arising out of or relating to these Terms shall be referred to and finally determined by arbitration in accordance with the JAMS Streamlined Arbitration Rules and Procedures.If there is a conflict between JAMS Rules and the rules set forth in this Agreement to Arbitrate, the rules set forth in this Agreement to Arbitrate will govern. The JAMS Rules and instructions for how to initiate an arbitration are available from JAMS at http://www.jamsadr.com or 1-800-352-5267. To initiate arbitration, you or we must do the following things:

• (1) Write a demand for Arbitration. The demand must include a description of the Claim and the amount of damages sought to be recovered. You can find a copy of a Demand for Arbitration at www.jamsadr.com.

• (2) Send three copies of the Demand for Arbitration, plus the appropriate filing fee to your local JAMS office.

• (3) Send one copy of the Demand for Arbitration to the other party.

Payment of all filing, administration and arbitrator fees will be governed by the JAMS Rules, except that for claims of less than $1,000, you will be obligated to pay $25 and we will pay all other administrative costs and fees. In addition, for claims of less than $1,000, we will reimburse you for the $25 fee if the arbitrator rules in your favor. Arbitration under this agreement shall be held in the United States county where you live or work, New Jersey, or any other location we mutually agree to, subject to New Jersey law. The arbitration may award on an individual basis the same damages and relief as a court (including injunctive relief). Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

AUTHORITY OF ARBITRATOR: The arbitrator will decide the rights and liabilities, if any, of you and us, and the dispute will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the authority to award monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the Arbitration Rules, and the Terms. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and us. The arbitrator's decision may be entered as a judgment in a court of competent jurisdiction.

NO CLASS ACTIONS: You may only resolve disputes with us on an individual basis and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed.

WAIVER OF JURY TRIAL: THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by arbitration. Arbitration procedures are typically more limited, more efficient and less costly than rules applicable in court and are subject to very limited review by a court. In the event any litigation should arise between you and the Affiliated Entities in any state or federal court in a suit to vacate or enforce an arbitration award or otherwise, BOTH PARTIES HEREBY WAIVE ALL RIGHTS TO A JURY TRIAL, instead electing that the dispute be resolved by a judge. YOU ACKNOWLEDGE THAT YOU HAVE BEEN ADVISED THAT YOU MAY CONSULT WITH AN ATTORNEY IN DECIDING TO ACCEPT THIS AGREEMENT TO ARBITRATE.

 OPT-OUT OF AGREEMENT TO ARBITRATE: You can decline this agreement to arbitrate by emailing us at [email protected] and providing the requested information as follows: (1)Your Name; (2) the URL of Terms of Use and Agreement to Arbitrate Disputes; (3) Your Address; (4) Your Phone Number; (5) and clear statement that you wish to opt out of this arbitration provision in the Terms of Use. The Opt-Out Notice must be emailed no later than 30 days after the date you first accept the Terms of Use by using the website.

Choice of Law/Forum Selection In any circumstances where the Agreement to Arbitrate Disputes permits the parties to litigate in court, these Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, excluding its conflict of law rules. You further expressly consent and agree to submit to the exclusive jurisdiction and venue of a court of competent jurisdiction in the United States District Court for the District of New Jersey or in state court in Morris County, New Jersey.

D. Notices

All notices and other communications to be given to any party hereunder will be sufficient for all purposes hereunder if in writing, properly addressed as set forth below in this section and delivered (a) by hand or courier (delivery of notice deemed to occur upon delivery), (b) if sent electronically on the date delivered to the authorized email address, (c) by overnight delivery service (delivery of notice deemed to occur upon delivery and written confirmation thereof by such service), (d) by certified or registered mail, return receipt requested, with appropriate postage prepaid (delivery of notice deemed to occur upon signature of the receipt by the recipient), or (e) if from us to you, posted to your Account on the date posted. If to us, notices may be sent to [email protected]. If to you, your email and mailing address as identified in our records.

E. Headings; Interpretation
Section headings used in these Terms are used for convenience only and are not to be considered in construing or interpreting these Terms. As used herein, "including" means "including without limitation."

F. Severability
The provisions of the Terms are intended to be interpreted in a manner which makes them valid, legal, and enforceable. In the event any provision of the Terms is found to be partially or wholly invalid, illegal or unenforceable, such provision shall be modified or restricted to the extent and in the manner necessary to render it valid, legal, and enforceable. It is expressly understood and agreed between the parties that such modification or restriction may be accomplished unilaterally by us, or alternatively, by disposition of an arbitrator or a court of law. If such provision cannot under any circumstances be so modified or restricted, it shall be excised from the Terms without affecting the validity, legality or enforceability of any of the remaining provisions.

G. Waiver
A waiver of any provision of these Terms must be made in writing to be effective, and our waiver of a

breach of any provision or right contained in these Terms will not constitute a continuing waiver or waive any subsequent breach or right.

H. Force Majeure
Except with respect to your payment obligations, neither party will be liable for failures or delays in the performance of its obligations hereunder due to causes beyond its reasonable control, including, in respect of the provision of the Service, failures or delays caused by our service providers, any act of God, sabotage or terrorist attacks, inclement weather, accidental damage, vandalism, failure or shortage or power supplies, flood, drought, lightning or fire, strike, lock-out, trade dispute or labor disturbance, or any act or omission of government or other competent authorities, including those related to communicable diseases, epidemics, pandemics or other dangers to public health.

I. Entire Agreement
These Terms, and documents incorporated herein, comprises the entire agreement between us and

you and supersedes all prior or contemporaneous negotiations, discussions, or agreements, whether written or oral, between the parties regarding its subject matter.

J. Survival
Sections 1, 2(E), 2(F), 2(G), 2(I), 3(B), 4-17 will survive any termination or expiration of these Terms.

Definitions.

"Account" means the account provided by us that you to manage and access the Service."Affiliated Entities" means, collectively, us, and our parent, subsidiaries, affiliates, and, where applicable, our and their service providers and licensors.


• "Agent" means a real estate-broker, salesperson, agent, associate broker, or similar state licensed real-estate professional licensed with one of our franchisees."App" means a mobile application that may be provided as part of the Service."Applicable Law" means any statute, law, ordinance, rule, regulation, or requirement of a governmental entity that applies to a party or its business.


• "Claim" means, collectively, claims, costs, damages, losses, liabilities, Fines, and expenses (including reasonable attorneys' fees and costs).


• "Communications" means parts of the Service that includes electronic communications services, and document storage and management services, all as provided by us (or, at your selection, by a third party through a Third-Party Product) for your use.


• "Confidential Information" means any information that (i) a party ("Disclosing Party") discloses to the other party ("Recipient"), either directly or indirectly, in writing or orally or by inspection of tangible objects, and (ii) identified as confidential at the time of its disclosure or that should reasonably be understood to be confidential in nature.


• "Content" means any content, data or information provided by a party for inclusion in the Service or uploaded to, transmitted or submitted by a party through the Service, including Communications.


• "Documentation" means the technical and operational documentation made available to you by us regarding any portion of the Service."Feedback" means ideas, suggestions, or recommendations on the Service provided by you."Fine" means any and all fines, penalties, refunds, charges, debits, deductions, legal fees and costs incurred by or other sums payable to any party.


• "Intellectual Property Rights" means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, rights of privacy, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory, or other jurisdiction.


• "Marks" means an Affiliated Entity's proprietary trademarks, trade names, and service marks, including registrations and applications for registrations thereof and all renewals, modifications and extensions thereof."MLS Feed" means a local listing service ("MLS") feed(s) provided through the Service."Privacy Notice" means the Privacy Notice for a Website or App and other portions of the Service, as provided and modified by us from time to time in our discretion.

• "PSP" means a third-party payment service provider selected by us.

• "Service" means our hosted service (including Websites and Apps), software, Documentation, and any services made available to you by us hereunder, all as may be modified by us from time to time in our discretion.


• "Third Party Products" means the third-party applications and/or services, if any, which may be offered, made available or integrated by us to you for use as part of, or in connection with the Service.

"User" means users of the Service.

"We," "our," and "us" means Coldwell Banker Real Estate LLC.

"Website" means a website that may be provided by us as part of the Service.

"You" and "your" means the individual entering into these Terms with us.

PRIVACY POLICY

What Expenses Should First-Time Homebuyers Budget for in Tempe, AZ?

What Expenses Should First-Time Homebuyers Budget for in Tempe, AZ?

October 14, 2026•22 min read

Buying your first home in Tempe is exciting, especially when you start picturing what life might look like once you have a place of your own. Maybe you are looking forward to having a backyard, getting closer to work, or finally settling into a neighborhood where you can put down roots. But before you start making offers, there is one part of the process you really need to get comfortable with: the cost of owning a home.

A lot of first-time buyers focus on the purchase price and monthly mortgage payment. That makes sense because those are usually the biggest numbers they see when they start shopping. The problem is that buying a home comes with several other expenses, and some of them show up before you even get the keys. Others become part of your monthly budget once you move in.

Tempe buyers also have a few local details to think about, including summer cooling bills, water usage, neighborhood association fees, and the age and condition of the home they choose. A condo near downtown Tempe may come with a different set of expenses than a single-family home in a quiet residential neighborhood, even if the two properties seem affordable at first glance.

So, how much should you actually budget for your first home? The answer depends on the property, your loan, and the kind of lifestyle you want to maintain after moving in. Let's break down the expenses worth planning for before you make one of the biggest financial decisions of your life.


Start With More Than the Purchase Price

Before looking at individual expenses, take a step back and consider the full cost of buying and owning a home. The price listed online tells you what the seller wants for the property. It does not tell you how much cash you will need to close, what your monthly bills will look like, or whether you will have enough money left over to handle an unexpected repair.

For example, you might find a home in Tempe that fits comfortably within your mortgage preapproval. Once you add property taxes, homeowners insurance, utilities, and any homeowners association fees, though, the monthly payment could be higher than you expected. Then there are the one-time expenses, such as inspections, closing costs, moving expenses, and the items you need to make the house feel like home.

This is why I recommend building your budget around two separate numbers. The first is the amount you need to purchase the property and get through closing. The second is what it will cost to live there every month, with some extra money set aside for repairs and unexpected expenses.

Keeping those numbers separate makes it easier to see whether a home is genuinely affordable. You do not want to spend nearly all your savings getting the keys, only to realize you have very little left when the air conditioner needs attention or your first utility bills arrive.


1. Your Down Payment

The down payment is usually the first major expense buyers think about, and it can have a big effect on how much money you need upfront.

Many people assume they must save 20% of the purchase price before buying a home. That is not always the case. Depending on your qualifications and loan program, you may be able to buy with a much smaller down payment. Some conventional loan programs allow eligible buyers to put down as little as 3%, while FHA loans generally require at least 3.5% for borrowers who meet the applicable credit and underwriting requirements.

Let's say you purchase a home for $400,000. A 3% down payment would be $12,000, a 3.5% down payment would be $14,000, and a 5% down payment would be $20,000. Putting down 20% would mean bringing $80,000 toward the purchase price.

Those numbers make it easier to see why you should explore your financing options before deciding how much you need to save.

A smaller down payment can help you buy sooner, but it usually means borrowing more money. Depending on your loan, it may also mean paying private mortgage insurance or another form of mortgage insurance. That additional cost needs to be included in your monthly budget.

You should also avoid putting every dollar you have into the down payment just to reduce your loan balance. Having some savings left after closing can make the first year of homeownership much less stressful.


2. Closing Costs and Loan Fees

Closing costs are another expense that catches first-time buyers off guard. These are the fees and prepaid expenses associated with finalizing your mortgage and transferring ownership of the property.

As a starting point, you can estimate roughly 2% to 5% of the purchase price for buyer closing costs, excluding the down payment. Your actual amount could fall outside that range depending on your loan, lender, property, and purchase agreement.

On a $400,000 home, that estimate works out to approximately $8,000 to $20,000. That is a substantial amount of money to have available on top of your down payment, so it is worth discussing these costs with your lender early in the process.

Closing costs can include loan origination fees, appraisal fees, credit report fees, title services, escrow or settlement fees, recording charges, and prepaid items such as homeowners insurance and property taxes. Some lenders also collect money upfront to establish an escrow account for future tax and insurance payments.

Not every fee applies to every transaction, and the buyer and seller may negotiate who pays certain costs. In Arizona, local customs and the terms of the purchase contract can affect how expenses are divided, so do not assume every transaction follows the same arrangement.

Ask your lender for a Loan Estimate once you apply for a mortgage. This document gives you an early breakdown of the expected loan terms and costs. Later, review your Closing Disclosure carefully so you can compare the final figures with what you were originally quoted.

The earlier you understand these numbers, the less likely you are to face an unpleasant surprise a few days before closing.


3. Home Inspections and Other Upfront Checks

Before buying a home in Tempe, you will want to know what you are getting into. That means budgeting for inspections and any additional evaluations that make sense for the property.

A general home inspection can help identify concerns with the roof, plumbing, electrical system, visible structure, appliances, and other major components. The inspector may find relatively minor maintenance issues, but they could also uncover problems that deserve a closer look before you move forward.

Depending on the home, you might also want a separate roof inspection, sewer line evaluation, pest inspection, or specialist assessment of a particular concern. These services can add to your upfront costs, but they may give you information that helps you make a more informed decision.

This is particularly worth considering when looking at older Tempe homes. A property may have attractive updates and fresh paint while still having an aging air conditioner, worn roofing materials, or plumbing that needs attention. Cosmetic improvements are easy to notice during a showing. The condition of the major systems is often harder to judge without professional help.

Inspection fees vary with the size, age, and type of property, as well as the services you request. Ask for quotes before scheduling appointments, and avoid choosing an inspector based on price alone.

Also, remember that an inspection is not a guarantee that nothing will go wrong after closing. It is a way to understand the property's current condition as well as possible before you commit to the purchase.


4. Property Taxes

Property taxes are another expense you need to include when calculating the cost of homeownership in Tempe.

Arizona property taxes depend on several factors, including the property's assessed value, applicable assessment rules, and the tax rates imposed by the relevant taxing jurisdictions. The amount you pay can differ significantly from what another homeowner pays, even if the two homes have similar purchase prices.

When comparing properties, ask for the current property tax information and have your lender estimate the amount that may be included in your monthly mortgage payment. Keep in mind that the seller's current tax bill is not necessarily a perfect prediction of your future costs, so it is worth checking the property's details rather than relying on a rough percentage.

You should also look at whether the home has special assessments or other property-related charges that could affect your budget. The Arizona Department of Real Estate's buyer checklist encourages purchasers to review relevant disclosures, including taxes, assessments, utilities, and property owners association details.

If your mortgage includes an escrow account, your lender may collect part of your estimated annual property taxes with each monthly payment and pay the bill when it comes due. If taxes increase, your escrow payment could rise as well.

It is easy to overlook this expense when you are focused on the mortgage principal and interest, but property taxes are part of the ongoing cost of owning the home. Make sure your monthly estimate includes them from the beginning.


5. Homeowners Insurance

Homeowners insurance helps protect your home and belongings against covered losses, and most mortgage lenders require borrowers to maintain appropriate coverage throughout the loan term.

The cost depends on factors such as the home's replacement value, age, construction, location, coverage limits, deductible, and insurance history. Two homes with similar asking prices can have different insurance premiums, so getting a quote for the actual property is more useful than relying on a statewide average.

In Tempe, you will also want to think about the wear and tear that comes with the desert climate. Roof condition, the age of the heating and cooling equipment, and the materials used in the home can all be relevant when an insurer evaluates the property.

Pay attention to the deductible, too. A lower premium may look attractive, but a higher deductible means you will need to pay more out of pocket if you have a covered claim. Choose a policy that fits your budget without leaving you unable to handle the deductible.

Arizona's Department of Insurance and Financial Institutions offers consumer guidance on homeowners insurance, including coverage needs, replacement costs, deductibles, and policy options.

One more thing: standard homeowners insurance generally does not cover flood damage. Depending on the property's location and your circumstances, separate flood insurance may be worth considering, and it can be required by a lender for a home in a designated high-risk flood area.

Get insurance quotes while you are still evaluating the property. It is much better to know the likely premium before closing than to discover that your monthly housing costs are higher than expected after you move in.


6. Mortgage Insurance, If Your Loan Requires It

If you make a smaller down payment, you may have to pay mortgage insurance. This is separate from homeowners insurance, and the distinction matters when you are comparing loan options.

For many conventional loans, private mortgage insurance, commonly called PMI, may be required when the down payment is below 20%. FHA loans have their own mortgage insurance rules, which can include upfront and ongoing premiums depending on the loan terms.

The amount varies based on the loan program, down payment, credit profile, and other factors. Your lender should explain whether mortgage insurance applies, how much it will cost, and when it may be removed if the loan allows for that.

This is one reason a lower down payment does not always translate into the lowest overall monthly cost. You may need less cash to buy the property, but your recurring payment could be higher.

That does not automatically make a smaller down payment a bad choice. For some buyers, keeping more cash available for emergencies and moving expenses is worth the additional monthly cost. The key is to compare the full payment rather than making the decision based on the down payment alone.


7. Utilities and Summer Cooling Bills

If you are buying your first home in Tempe, pay close attention to utility costs. The Arizona summer can be hard on a household budget, especially when temperatures climb and your air conditioner runs for long stretches of the day.

Your electric bill will depend on the size of the home, insulation, window placement, air-conditioning efficiency, thermostat settings, and how many people live in the property. A larger house with older equipment may cost considerably more to cool than a smaller, well-insulated home.

Before making an offer, ask whether the seller can provide recent utility bills. A full year of records is particularly useful because it gives you a better idea of the difference between mild-weather months and the hottest part of summer.

You will also need to account for water, wastewater, trash collection, internet, and any gas service the home uses. The City of Tempe publishes its current municipal utility rates, including water, wastewater, stormwater, and solid waste charges. Reviewing the city's utility rate information can help you understand some of the charges you may see after moving in.

Do not forget to budget for internet service and any subscriptions or services you will need to work from home or manage your household. Those expenses may seem small individually, but they add up when combined with the rest of your monthly bills.

If you are comparing homes, think about the way you actually live. Do you work from home? Do you prefer keeping the house cool all day? Will you be away for much of the summer? Your habits will affect what you spend, so use the available utility history as a starting point rather than assuming every household will have the same bills.


8. HOA Fees and Community Assessments

Some Tempe properties belong to a homeowners association, or HOA, and those fees should be part of your affordability calculation before you make an offer.

Depending on the community, HOA dues may help pay for landscaping, shared amenities, private roads, exterior maintenance, or other common expenses. Condo communities can have additional shared building costs, while some single-family neighborhoods have relatively modest dues because they provide fewer shared services.

The amount can vary widely, so check the actual fee for the property you are considering rather than assuming it will be similar to the dues in another neighborhood.

You should also review what the fee covers. If an association maintains common landscaping or a shared pool, you may have fewer direct maintenance responsibilities for those areas. That can be convenient, but it does not mean all maintenance is included.

Ask about special assessments, too. These are additional charges that may be imposed when an association needs money for major repairs, improvements, or expenses that regular dues do not cover. Review the available association documents, meeting minutes, budget, and reserve information when possible.

A property with a lower purchase price can become less affordable once you add a substantial HOA payment. On the other hand, a home with reasonable dues and useful shared services might make sense for your lifestyle.

If you are considering a condo or townhouse, take a close look at the association's financial health and insurance arrangements. The monthly dues are only one piece of the picture.


9. Repairs, Maintenance, and Unexpected Problems

This is the expense first-time buyers often underestimate because it is difficult to predict exactly what a home will need.

When you rent, you can usually contact the landlord when something major breaks. Once you own the property, you are responsible for arranging and paying for repairs that fall within your responsibilities as the homeowner.

That might mean replacing a leaking water heater, repairing a broken appliance, fixing a damaged fence, or dealing with a plumbing problem. In Tempe, you also need to pay attention to air-conditioning maintenance, roof wear, exterior finishes, and the effects of prolonged heat on certain materials and equipment.

A useful starting point is to set aside money every month for home maintenance instead of waiting until something breaks. Some homeowners use a rough guideline of 1% of the home's value per year, but that is only a planning tool, not a reliable estimate for every property. A newer home may need less routine work initially, while an older home with aging systems may require much more.

For example, 1% of a $400,000 home's value would be $4,000 per year, or about $333 per month. You do not necessarily have to spend that amount every year, but the example shows why it helps to build a maintenance reserve over time.

The right amount depends on the property's age, condition, size, and equipment. If the inspection reveals that the roof or air conditioner may need replacement soon, create a separate savings plan for those larger expenses rather than relying only on your general maintenance fund.

You will probably have a few repairs that feel inconvenient or arrive at the wrong time. Having money set aside will not prevent every problem, but it can stop one broken appliance from turning into a financial crisis.


10. Moving Costs, Furniture, and Getting Settled

Once the purchase is complete, you still have to move into the house. This is the point when many buyers realize that the money they saved for closing did not account for everything they need during the first few weeks.

Moving expenses can include hiring movers, renting a truck, purchasing packing supplies, paying for temporary storage, and taking time away from work. The amount depends on how far you are moving, how much you own, and whether you plan to handle most of the work yourself.

Then there are the smaller purchases that make a home functional. You may need window coverings, light fixtures, cleaning supplies, shelving, basic tools, outdoor equipment, or furniture that did not fit in your previous space.

It is tempting to buy everything at once, especially when you want the house to look finished. Try to resist that urge until you have lived there long enough to understand what you actually need.

Start with the essentials, such as a comfortable place to sleep, working appliances, basic kitchen supplies, and anything needed for safety or privacy. You can add decorative items and upgrade furniture over time.

If your new home has a yard, remember that outdoor maintenance can bring additional expenses. Lawn equipment, irrigation repairs, patio furniture, and shade solutions can all affect your first-year budget. Even a relatively simple backyard may need a little attention before it feels ready for regular use.

Leaving room for these expenses will help you settle in without putting every purchase on a credit card.


11. Pest Control, Landscaping, and Other Local Costs

Some expenses are easy to miss because they do not appear on your mortgage estimate. In Tempe, that can include pest prevention, landscaping, irrigation maintenance, and occasional work needed to keep the property comfortable in the desert climate.

Pest control needs vary from one property to another. Some homeowners arrange regular preventive service, while others schedule treatment when a problem appears. If the inspection identifies signs of termites or other pests, ask a qualified professional what follow-up work may be needed and whether there are ongoing costs to consider.

Landscaping is another area worth checking before you buy. A home with mature trees, extensive planting, or a large lawn may require more maintenance than a property with a simpler yard. If the home has an irrigation system, ask about its condition and look for signs of leaks or damaged components.

Water use can also affect your monthly expenses, particularly if you have substantial outdoor landscaping. The city's utility information can help you understand the applicable water charges, but your actual bill will depend on usage and the property's setup.

You may also want to budget for shade screens, weatherstripping, air-conditioning servicing, or other improvements that help the home handle hot weather more comfortably. These are not necessarily immediate expenses, but they are worth keeping in mind when comparing properties.

A home that needs a little more maintenance is not automatically the wrong choice. You just want to understand what you are taking on before deciding whether the asking price makes sense.


12. An Emergency Fund for the Unexpected

Even with a detailed budget, you cannot predict every expense that comes with owning a home. That is why an emergency fund deserves a place in your plan before you buy.

This money should be separate from the funds you need for your down payment, closing costs, and planned moving expenses. It is there for situations such as an unexpected repair, a temporary loss of income, or a large bill that arrives when you least expect it.

If possible, aim to keep three to six months of essential living expenses in accessible savings, adjusting the target to your income stability, household responsibilities, and comfort level. If that amount feels out of reach right now, start with a smaller reserve and build it gradually.

The important thing is to avoid treating every dollar in your bank account as money available for the purchase. A mortgage lender may approve you for a certain amount, but that does not mean spending up to that limit will leave you comfortable.

For first-time buyers, this can be one of the biggest differences between simply qualifying for a home and feeling financially secure after moving in.


How Much Should You Budget Before Buying a Home in Tempe?

There is no single amount that works for every buyer, but you can build a realistic estimate by adding up your expected upfront costs and ongoing expenses separately.

For example, imagine you are purchasing a $400,000 home with a 5% down payment. Your down payment would be $20,000. If you estimate closing costs at 2% to 5% of the purchase price, you would need another $8,000 to $20,000 for those expenses.

That brings the estimated down payment and closing costs to $28,000 to $40,000, before inspections, moving expenses, and any other upfront items that are not included in your estimates. You would also want to retain savings for emergencies and future maintenance rather than using all your available cash to complete the purchase.

Your monthly budget should include principal and interest, property taxes, homeowners insurance, mortgage insurance if applicable, HOA dues, utilities, and a regular amount for maintenance. If you have other monthly obligations, such as student loans, car payments, or childcare expenses, include those as well.

The easiest way to make this useful is to ask your lender for a full monthly payment estimate based on a property you are seriously considering. Then add the costs the lender may not include, particularly utilities, HOA dues, and maintenance savings.

That gives you a much clearer picture of whether the home will fit your real life, not just the numbers on your mortgage application.


Think About the Lifestyle You Want, Too

Budgeting for a home is about more than finding the lowest possible payment. You also want to choose a property that works with your routine and gives you room to enjoy living in Tempe.

Maybe you want to be close to work, restaurants, shopping, or Arizona State University. Perhaps outdoor space matters more because you enjoy walking, biking, or spending weekends outside. In that case, exploring the best parks and outdoor spots in Tempe can help you get a feel for the recreation options you may want nearby.

The neighborhood itself can affect how much you spend and how you spend your time. Think about commute costs, the distance to everyday errands, and whether you will need a second vehicle. A home that saves you money on transportation may be worth considering even if its purchase price is a little higher.

It is also worth thinking ahead. Your household may change, your work situation could shift, or you may eventually need more space. Reading about the pros and cons of moving to Tempe can help you weigh the practical side of living in the city alongside the excitement of buying your first property.

If you are comparing a condo or townhouse with a detached home, pay particular attention to how shared maintenance, association fees, private outdoor space, and insurance responsibilities differ. Buyers who expect to downsize or prefer a smaller property may find it useful to understand whether a condo or townhouse makes more sense when downsizing in Tempe, because the same questions about ownership costs can be helpful when choosing your first home, too.

And if you are buying with a partner or planning for a growing household, take time to think about how long the property will fit your needs. The cost of moving again, paying transaction expenses, and purchasing a home that no longer suits your family can add up. Considering the hidden costs of staying in a Tempe home that no longer fits your family can also help you think more clearly about the long-term financial side of choosing a home.

The goal is to find a home you can afford comfortably while still having money and time for the things that make life enjoyable.


Final Thoughts

Buying your first home in Tempe does not have to feel overwhelming, but it does take more planning than saving for a down payment and getting a mortgage approval.

Give yourself time to understand closing costs, property taxes, insurance, utilities, HOA fees, and the ongoing maintenance that comes with owning a property. Pay attention to the home's condition, ask questions about expenses you do not understand, and keep enough savings available to handle the unexpected.

Most of all, do not judge affordability by the mortgage payment alone. A home should fit your finances after closing, when the bills start arriving and you are settling into your new routine.

If you are still preparing to buy, start by talking with a lender, reviewing your savings, and estimating what you can comfortably spend each month. Once you have those numbers in front of you, it becomes much easier to compare homes and make decisions with confidence.

Your first home should be a place where you can build a life, not a purchase that leaves you worrying about money every month. With a realistic budget and a clear understanding of the expenses involved, you can move into homeownership feeling much more prepared.

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Nancy Wittenberg

Nancy Wittenberg is a trusted REALTOR® serving Chandler, Gilbert, and the East Valley of Arizona. She helps buyers and sellers navigate the local housing market with clear guidance, honest advice, and strong advocacy. Her signature Buyer Care Plan™ walks clients step by step from the first consultation through closing and beyond, helping buyers feel confident and informed at every stage. For homeowners preparing to sell, Nancy acts as a Strategic Market Guide, helping sellers manage pricing strategy, buyer psychology, and negotiations that determine how a home sale actually unfolds. Nancy holds designations including GRI, ABR®, and SRS, reflecting her commitment to professional excellence and client advocacy in the East Valley real estate market. If you're thinking about buying or selling a home in Chandler, Gilbert, or the East Valley, reach out to Nancy for a conversation, not a pitch.

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