Think of buying a home. Check out our Home Buyer Book for free.

1. Rock Solid. Family Proud.
Our Market Dominance Means Peak Performance for You.
Let’s do the numbers: 60 offices, 3,600 sales
associates, #1 in the region, #1 single-market
Realtor in the nation. Now let’s translate those
numbers into a benefit for you: our size and
muscle means we can afford the most advanced
technological and human resources to help you
find or sell your home.
We Will Market Your Home Relentlessly and Systematically.
From the very second you list until the second
your home sells, it will be promoted nonstop.
Our Home Marketing System has powerful,
synergistic components: real estate’s finest
web site, Guided Virtual Tours of every
listing and full-page ads that trumpet
every PF&R listing.
Technology That Makes Buyers and Sellers say, “www.wow!”
The Internet isn’t just an information source
anymore. It’s an inescapable force. Homebuyers
who use the net are younger and they spend
more money. Knowing this, we have invested in
what is arguably real estate’s most compelling
and resourceful site, prufoxroach.com. This
isn’t online presence. It’s online dominance.
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

2. Our Mission Statement
Prudential Fox & Roach Realtors/Trident Group is an innovative home-related
services company that dominates the markets we serve. We are a powerful
team dedicated to providing the highest quality service and holding ourselves
to a standard of excellence. Our relationships with our
Clients, Sales Associates, Employees, Strategic
Partners and the Community we serve is built
on trust and integrity. We create a positive
experience and add value to all those we
impact. Our professionalism is a role
model for our industry and the public.
Here is
Our Family’s
Guiding Principles Pledge
to Yours.
All of our stakeholders are critically important to us.
We are committed, therefore, to these Guiding Principles because it is
our responsibility to provide:
• Our Clients with a service experience that will delight them throughout every stage of their
homeownership because they are our first allegiance and we place their interest above all else.
• Our Sales Associates with a commitment to our ongoing and mutually beneficial relationship
in an environment that will: nurture their professionalism, increase their growth opportunities
and ensure their future quality of life by being “The Place to Be for the Professional Realtor.”
• Our Employees at all levels with satisfying and financially rewarding work in a stimulating and
enjoyable environment with continuing opportunities for personal development and advancement.
• Our Strategic Partners with the opportunity for a long-term relationship built on fairness and
a shared commitment to meeting the highest standards of excellence.
• Our Industry with a devotion to professionalism and honesty that will serve as a role model to
the larger business community.
• Our Community with a dedication to their well-being and improvement by being an excellent
corporate citizen through financial contribution and deep personal involvement and concern.

3. The Region’s Dominant
Real Estate Company
SALES TERRITORY BY STATE AND COUNTY
DELAWARE NEW JERSEY Hunterdon PENNSYLVANIA
New Castle Atlantic Mercer Bucks
MARYLAND Burlington Middlesex Chester
Cecil Camden Monmouth Delaware
Cape May Ocean Montgomery
Cumberland Salem Philadelphia
Gloucester Somerset
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

4. Relocation Services
A Sampling of Clients/Corporations currently being serviced by Prudential Fox & Roach
Realtors’ Relocation Services Division:
• AET • Longshore Simmons
• Adolor • Lowes
• American Red Cross • Marriott Corporation
• AmeriSourceBergen • MBNA
• Ametek • McDonald's Corporation
• Astro Power • Merck
• Astra Zeneca • Merrill Lynch
• Atofina Chemicals • Mobil Oil
• BTG • Morgan Stanley Dean Witter
• Bankers Trust-DE • Motorola
• Boeing • Nabisco
• Booz Allen Hamilton • Neose Technology
• British Energy • Nycomed
• Burlington Coat • Okidata
• Campbell Soup • PNC
• CGU • PSE&G
• CIBA Specialty Chemicals • Pegasus Communications
• Catholic Health East • Penn Engineering
• Certainteed/St. Gobain • Penn Mutual Insurance
• Chase Manhattan of DE • Philadelphia Inquirer
• Children’s Hospital of Philadelphia • Philadelphia Newspapers
• Chubb Insurance • Pin Point Inc.
• Cigna Companies • Rodel, Inc.
• Circuit City • Rowan University
• Commerce Bank • SCT
• CSX Transportation • Sanofi
• Data Systems Analysts, Inc. • Shire Pharmaceutical
• David's Bridal • Schlumberger
• Decision One • Sarnoff
• delage landen • Subaru of America
• Delaware Investment Advisory • Synthes
• E.I. Dupont • Temple University
• Ernst & Young • Teva Pharmaceutical
• FMC • The Bank of New York-DE
• Franklin Mint • The Wharton School of Business
• GE Capital • Thomas Jefferson University
• Glaxo Smith Kline • Tyco Healthcare
• Home Depot • Unisys
• ING Bank • University of Pennsylvania
• ISI • Valero Refinery
• Independence Blue Cross/Blue Shield • Vanguard
• Inter Digital Communication • Vertical Net
• JP Morgan • Visteon
• Johnson & Johnson • Williams Scotsman, Inc.
• Kendall Confab • W L Gore
• L-3 Corporation • World Gate Communication
• Lippincott, Williams & Wilkins • Wyeth-Ayerst International
• Lockheed Martin
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

5. Prudential Real Estate
Why Prudential Real Estate can do more to meet your homebuying needs:
Reputation
For more than 125 years, Prudential* has developed a
Rock SolidSM reputation for building and preserving
individual security.
Commitment to Customer Service
The needs of home buyers and sellers come first. Because
the Prudential Real Estate Network is part of the Prudential
family of companies, Prudential Real Estate Network
members can help provide customers throughout the United States with a lifetime of
financial services, ranging from insurance to securities to retirement planning.
Advanced Technology
The Prudential Real Estate Network has pioneered the most advanced tools in the
industry to create solutions to customers’ homebuying and selling needs. A world-class
web site, www.prudential.com, is designed with easy-to-use features that enhance the
homebuying experience.
Network Strength
Prudential Real Estate is one of the largest real estate organizations in North America,
with more than 1,500 Network member offices. Its network of 42,000 sales associates
can satisfy your homebuying and selling needs virtually anywhere in the United States
and Canada.
High Standards
Not every company is invited to join the Prudential Real Estate Network. It is a highly
selective process, and only those companies that measure up to their demanding
criteria may become part of the Network.
* The Prudential Insurance Company of America (Prudential)
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

6. Your Needs Come First
Finding and buying the right
home is a highly personalized
process, and it all begins
by identifying your needs.
As you think about finding a home, the following worksheets can help me clarify
your needs. These worksheets explore areas such as:
• The values, interests and priorities you want this move to support.
• The features you are looking for in a home.
• How a neighborhood can best match your needs and lifestyle.
• How the homefinding process will need to be tailored to fit your plans.
• The support you expect to receive from me.
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

7. Finding and Buying a Home
The homefinding process typically includes many of the following
elements.
I will be your resource and guide every step of the way.
Initial Consultation
• Determine your priorities and needs
• Review "agency" choices and select appropriate
working relationship
• Discuss financing options
Finding the Right Home
• Sales associate to show you properties based on your criteria Obtain Financing
• Evaluate each property with sales associate • Find a mortgage company
• Choose the right home • Consult with a loan officer
• Pre-qualification
• Complete loan application
• Obtain loan pre-approval
• Provide requested documentation
Preparing an Offer
• Review comparable sales to determine offer price
• Review progress of loan pre-approval;
decide on financing
• Decide on other terms (inspections, possession date,
personal property, etc.)
• Prepare earnest money deposit
Reaching an Agreement with a Seller
• Present your offer
• Negotiation of terms and possible counteroffers
• Agreed-upon sales contract with seller
Completing the Settlement Process
• Deposit of earnest money
• Review seller's property disclosures
• Review preliminary title report
• Roof, termite and other inspections • Property appraisal
• Remove any remaining contingencies • Loan processing
• Arrange for homeowners insurance • Final loan approval
• Arrange for home warranty
• Arrange for movers
• Final walk-through of property with sales associate
• Provide balance of down payment and closing costs
• Sign Documents
• Loan Funding
• Recording of title
• Receive keys from sales associate
• Move in!
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

8. Your Single Source for
Property Information
I have access to virtually every property for sale in this market, and will
show you the homes that best match your requirements, including:
• All homes marketed by Prudential Real Estate members
• All properties listed by other brokers through the Multiple Listing Service (MLS)
• Properties not necessarily on the open market yet
• Many properties offered “For Sale By Owner”
To save you time, hassle and duplicated effort, call me for additional
information on properties you see, regardless of whether or not they are
being offered by a Prudential Real Estate sales professional. I can
obtain important facts about homes you see:
• Advertised in newspapers or buyers’ guides
• On the Internet
• Open houses
• Displaying “For Sale” signs
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

9. How to Look at Homes
Discovering the right home should be
an exciting event. As a Prudential Real
Estate professional, my commitment is
to make your home search as stress-free
and efficient for you as possible.
• Identifying up-front what is affordable will save time and frustration in the homefinding
process. It is important to consider the financing options available and to begin the
mortgage pre-approval process as soon as possible.
• From the multitude of properties currently on the market, I will select those that most
closely meet your unique needs and interests. It is best to preview only a few homes at
a time.
• We will schedule time to look at homes and neighborhoods. I will arrange showing
appointments with the sellers or their brokers.
• If the seller or their real estate professional is at the property when we are there, it would
be best for you to limit your conversation with them.
• You can use the Homefinding Worksheets I give you to evaluate each property.
• In order to help me find the right home for you, I will ask you to tell me your thoughts
about each property you see — the positives and the negatives. We will continue to assess
your needs and buying criteria.
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

10. Homefinding Worksheet
Evaluation of (property address) _____________________________________________________________________________
Size (number of rooms or square footage) _____________ H/O assoc. dues $ __________ Asking price $ ________________
Date visited ____________________ Most memorable feature ____________________________________________________
Interior
Overall condition _________________________________________________________________________________
Floor plan _________________________________________________________________________________
Bedrooms/baths _________________________________________________________________________________
_________________________________________________________________________________
Living Room _________________________________________________________________________________
Family room/dining _________________________________________________________________________________
Kitchen/laundry _________________________________________________________________________________
Heating/air _________________________________________________________________________________
Other features _________________________________________________________________________________
_________________________________________________________________________________
Exterior
Overall condition _________________________________________________________________________________
Paint and trim _________________________________________________________________________________
Roof _________________________________________________________________________________
Deck/patio/pool _________________________________________________________________________________
Garage _________________________________________________________________________________
Landscaping/fence _________________________________________________________________________________
Other features _________________________________________________________________________________
_________________________________________________________________________________
Location
Appearance of neighborhood __________________________________________________________________________
House value relative to area __________________________________________________________________________
Distance to employment, __________________________________________________________________________
schools, shopping, etc.
__________________________________________________________________________
Summary
Favorite features __________________________________________________________________________
Least desirable features __________________________________________________________________________
Comments __________________________________________________________________________
__________________________________________________________________________
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

11. Submitting an Offer
Once you have found the right property, the next step is to make a
purchase offer to the seller.
l Determine the price you want to offer.
n The price the seller is asking may or may not reflect realistic market value.
n The best way to determine market value is with a Comparative Market Analysis (CMA)
showing similar properties that sold recently, those that are currently active on the
market and those that failed to sell.
n I will discuss with you an estimate of costs associated with purchasing this property.
l Decide on financing.
n We will review together the status of your loan pre-approval.
n We will work together with your loan officer to explain financing options and help you
determine the mortgage plan that best fits your requirements.
l Decide on other issues that are important to you, such as:
n Items of personal property you want included with the house.
n Warranty, inspections, repairs or other home enhancements by the seller.
n Closing date and possession.
l I will present your offer.
n The seller will have three choices: accept your offer as it is presented; reject it
completely; or propose adjustments to your offer (counteroffer).
n If there is a counteroffer, you can choose whether to accept it, reject it or counter it.
l Once you have reached agreement with the seller, you will have a firm contract to
purchase the home.
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

12. Estimate of Costs
It is helpful to have an estimate of the costs associated with
purchasing a home.*
Costs required to close the transaction
Title insurance __________
Settlement fees __________
Recording fees __________
Property tax (pro-rated) __________
Loan origination fee __________
Appraisal __________
Credit report __________
Other loan fees __________
Interest on new loan (pro-rated) __________
Home warranty __________
Termite inspection __________
Other inspections (roof, property inspection, geological, etc.) __________
Homeowners insurance __________
Other: __________
Other: __________
Total estimated closing costs $__________
Estimated monthly payment
Principal and interest __________
Property tax __________
Howeowners insurance __________
Private Mortgage Insurance (PMI) __________
Homeowners association dues __________
Total estimated monthly payment $__________
Home Purchase Summary*
Purchase price of home $ ____________________
Down payment $ ____________________
Amount financed $ ____________________
Estimated closing costs $ ____________________
Estimated monthly payment $ ____________________
* This is a preliminary estimate only. Actual costs will vary depending on the property, the lender and other factors.
You will receive a detailed breakdown of costs prior to closing of the transaction.
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

13. Important Ways to
Protect Your Interests
There are several ways to help support a trouble-free home purchase:
• A written property disclosure statement from the seller will reveal
any problems with the house and the surrounding area that you need to
know about.
• Professional inspections can reveal structural, roof, termite, and
other problems with the property that the seller will need to remedy.
• A home warranty can give you peace of mind by providing
repair-or-replace coverage of major home operating systems and
appliances.
• A preliminary title report informs you of any problems with the
property’s title and a policy of title insurance protects your rights to the
property.
• A walk-through before closing will allow you to make sure all
required work has been taken care of and that the property is ready to
become yours.
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

14. Completing Your Home Purchase
Many details need to be taken care of in order for a home purchase to
be completed. It can take 15 - 90 days to complete all the steps involved
in a home sale, depending on the complexity of the transaction. I will
work closely with everyone involved in the transaction to help ensure
that it moves ahead as smoothly as possible:
• Explain to you in detail all the steps that will occur, and answer any
questions you might have.
• Work with the seller’s broker to see that they fulfill their responsibilities
under the contract.
• Stay in touch with the settlement officer, title officer, lender and others to
help coordinate their activities and to help keep the transaction moving
forward.
• Communicate with you on a regular basis so that you can stay informed and
as worry-free as possible.
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

15. A Smooth Transition to
Your New Home
Here are some things to consider as you make the move to your new
home. I can suggest local professionals for many of these services.
4 weeks before your move
q Contact and contract with a reputable moving company.
q Have school records transferred.
q Arrange to transfer (or take with you) medical, dental and other important records.
q Prepare to transfer your homeowners and auto insurance to be sure you will be
covered for any unforeseen disasters.
q Keep track of moving-related expenses. (Check with your accountant to find out what
expenses will be deductible).
3 weeks
q Obtain and mail change-of-address cards to the post office, subscriptions, credit card
companies and important contacts.
2 weeks
q Arrange for final utility reading at your former residence the day after your move and
have utilities and phone turned on at your new home the day before you move in.
q Close or transfer bank accounts.
q Terminate newspaper delivery service.
q Arrange for transfer of vehicle licenses and driver’s licenses.
q Have an extra supply of prescription medications for the next four weeks.
q We will schedule a final walk-through of the property to make sure everything is in
order.
Week of your move
q Keep valuable financial records and personal papers with you; do not pack them with
the rest of your household goods.
q On closing day, the home purchase documents record and the home is yours.
q Move in!
After you move in
q Consider plans for landscaping design, installation and maintenance.
q Review home security requirements and systems.
q New home furnishings, appliances, and interior decorating will help make the house
your home.
Enjoy your new home!
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

16. Financing Your Home Purchase
Unless you are in a position to pay all cash for your home, you will need
to obtain a home loan (mortgage) to complete the purchase. I will assist
you in this process to help ensure that you obtain the financing that
meets your needs.
l Being approved for a loan before you submit an offer will put you in a
stronger negotiating position and can save time in the loan approval process.
l I can put you in touch with experienced loan officers at leading mortgage
companies. Your loan officer will be your principal guide through the
financing process.
l Various financing options may be available to you, including:
n Fixed Rate Mortgage
n Adjustable Rate Mortgage (ARM)
n Government-assisted (FHA or VA) financing
n Seller-assisted financing
l You can expect the lender to ask for standard information regarding your
income, expenses and obligations.
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

17. What Can You Afford?
Realistically assessing your finances up front will streamline the
homefinding process.
Step 1 Monthly Income
Wages, salaries, business income after expenses ____________________
Interest, dividends or rental income ____________________
Other income (alimony, child support, pensions, or Social Security) ____________________
Total Monthly Income (Step 1) $ ____________________
Step 2 Monthly Non-Housing Expenses
Food/clothing ____________________
Medical (include insurance premiums and prescriptions) ____________________
Life insurance ____________________
Child care ____________________
Automobile expenses (loan, insurance, maintenance) ____________________
Education/student loans ____________________
Travel/recreation ____________________
Monthly credit card payments ____________________
Monthly bank loan payments (other than a mortgage) ____________________
Alimony or child support you owe ____________________
Savings and investments ____________________
Income taxes ____________________
Total Monthly Non-Housing Expenses (Step 2) $ ____________________
Step 3 Amount Available for Monthly Housing Expenses
Total Monthly Income (Step 1) ____________________
minus Total Non-Housing Expenses (Step 2) ____________________
Equals Amount Available for Monthly Housing Expenses (Step 3)$ ____________________
Step 4 Monthly Estimated Housing Expense
Mortgage loan payment (principal and interest—see chart) ____________________
Property taxes ____________________
Mortgage insurance ____________________
Homeowner’s insurance (liability, flood, fire) ____________________
Utilities (heat, water, electricity, gas, trash removal) ____________________
Maintenance and repairs ____________________
Other (assessments, homeowners association dues) ____________________
Total Monthly Estimated Housing Expenses (Step 4) $ ____________________
Compare Step 3 and Step 4 totals. The Total Monthly Estimated Housing Expenses (Step 4) should not exceed
the Amount Available for Monthly Estimated Housing Expenses (Step 3).
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

18. Loan Application Checklist
The following information is typically needed when applying for a mortgage.
Purchase contract and property information
q Copy of the sales contract
q Mailing address and property description
q Contact information for access to the property
q Plans and specifications (new construction only)
Personal information
q Social Security number
q Age
q Years of schooling
q Marital status
q Number and ages of dependents
q Current address and telephone numbers
q Addresses for the past seven years
q Current housing expenses (Rent, mortgage, insurance, taxes)
q Name and address of landlord or mortgage holder for past two years
Employment history and income
q Two years of employment history, with complete details of each job
q Recent pay stubs and two years of W-2 forms
q Complete tax returns and financial statements if self-employed
q Written explanation of employment gaps
q Records of dividends and interest received
q Proof of other income
Assets
q Complete information on all bank and money market accounts
q Two months of bank statements
q Current values of stocks, bonds, mutual funds and other investments
q Vested interest in retirement funds
q Value of life insurance
q Information on vehicles you own
q Information on real estate you own
q Value of significant personal property you own
Liabilities
q Itemized list of all current debts (loans, credit cards, and other bills)
q Written explanation of past credit problems
q Full details of bankruptcy during the last seven years
Fees
q Credit report and appraisal fees (usually $500 or less)
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

19. The Trident Group
Mortgage Financing. Title Insurance. Homeowners Insurance.
They’re All Under One Roof. Ours.
We Bring You Title Insurance
with Assurance.
Settle with confidence. Trident Land Transfer Company is America’s largest
Realtor-affiliated title company. We are backed by LandAmerica, the oldest and
one of the largest title insurers in the United States. We offer you complete
settlement services including ownership, tax, and special assessment searches,
survey examinations (in N.J.), abstracting, document recording and owner’s
title policies.
We Bring You Mortgage Options
with Dispatch.
Trident Mortgage Company is a full-service mortgage banker and
the second largest Realtor-affiliated mortgage company in the
United States.
We offer you personal mortgage consultants at more than 50
We Bring You Homeowners Insurance regional offices and a completely automated application system for
streamlined applications and instant loan approvals. Our selection
with Competitive Rates. of loan programs is unmatched.
You can even apply for a mortgage any time of the day or night at
Our independence pays off for you. Trident Insurance Agency is an our website: www.thetridentgroup.com.
independent agency. We solicit the best policies and rates from many Everything is set up to get you the best financing program in the
underwriters. Result? The best coverage at the best prices. What’s more, shortest possible time.
our service goes beyond the sale. We’ll take care of changes and updates,
and periodically review your policy to let you know when better coverages
and rates become available.
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

20. Building a Legacy of Giving
Committed to Addressing the Needs of Children and Families
in Stressful Life Circumstances; Especially Their Housing
In 1995, Prudential Fox & Roach/Trident founded Fox & Roach Charities, a Pennsylvania nonpro t
corporation that is a public charity. Since our inception, Fox & Roach Charities has donated over $3,400,000 in charitable
contributions to more than 350 organizations in the tri-state area. It is thanks to our sales associates and employees, who
contributed about $1,600,000, and the company contributing more than $1,800,000 to Fox & Roach Charities, that we have
successfully raised and donated $3,400,000. Outside of the charitable funding program Prudential Fox & Roach/Trident has
the Bill Fox, Sr. Family Fund to help our own sales associates and employees. We have donated in excess of $435,000 to this
fund to help our own. Without the voluntary support of our sales associates’ and employees’ contributions from commissions
and salary, this could not have been accomplished.
Since beginning in 1995 “Community Service Day” has become an important company-wide tradition
at Prudential Fox & Roach/Trident. Each year, the company closes every office and department to enable sales associates and
employees to lend a helping hand to those in need. A day of hammering nails, painting walls and sprucing up yards … at soup
kitchens, day care centers, shelters, food banks, and construction sites…allows us to give back to our communities, touch lives,
and help the less fortunate. It’s a day that gives us another dimension and lets us feel good about ourselves, our company and
our work.
For eight years, Fox & Roach Charities has partnered with Delaware Valley Habitat for humanity for their
annual “Build A House … Build A Dream Contest for Kids.” rough this partnership, we have helped raise over $516,000
(gross) to support Habitat’s regional home building mission. For six years, we have partnered with Delaware Hospice for the
annual Barbara Santoro Jazz Brunch and other smaller scale events. is has
enabled the Delaware Hospice to grow that $60,000 in donations into over $330,000
(gross). Last but not least, we have partnered with ESF Dream Camp Foundation
for the past three years to hold our annual Main Line Jazz event. Fox & Roach
Charities gave $30,000 and through this event, we were able to raise over $285,000
for ESF Dream Camp Foundation’s year-long mentoring and summer camp for
underprivileged children.
In addition, through a partnership between Prudential Fox &
Roach/Trident and our sales associates and employees, we were able to raise
more than $400,000 for Tsunami Relief and over $450,000 for Hurricane Katrina
Relief, resulting in a “House in a Box” for a Louisiana family who lost their home.
The Charitable Arm of Prudential Fox & Roach, REALTORS® and The Trident Group

21. “The Housing Market Appears
to be Cooling Down ...
...but the Market Leader
is Still Hot.”
The “inventory” of homes for sale is larger than a year ago. The “average days on market”
is longer. The real estate world is changing, shifting, cooling. You might think all real
estate
companies are affected equally by this. Not really.
• Prudential Fox & Roach’s market share, with three times the sales
volume as our closest competitor, is dominant.
• Our average sales price is the highest of the major brokers.
• And we’re Prudential’s largest, most robust affiliate.
In times like these, the real real estate professionals step forward. It’s time for the
professional.
Time for the Market Leader. Time for Prudential Rox & Roach, REALTORS®.
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

22. It’s time for a few
Real Estate Reality Checks:
In a recent study 72% of homebuyers and homesellers said
they think this is a good time to buy a home. Here are some
real reasons for that optimism...
Is this a good time for first-time buyers to buy?
The selection is big. Prices are good. You don’t have to worry about
selling another property. And if you have reasonable credit scores,
financing is easily available. All things considered, it’s
an excellent time for first-timers.
Is this any time to move up to a bigger home?
Given the market, when you sell your home, you might get less
than you would have two years ago. But given the selection and
the prices today, chances are good you might just get a lot of
house for the money. For a net gain. So, yes, bigger can be better!
How does our region compare with other parts of the country?
This region is economically stable. And it’s still growing. Ours is a
diverse economic base and job growth is expected to continue.
This has translated into real estate numbers that are much
less severe than many other American cities and regions.
Should you just “wait out” the real estate market?
This is one of those “rear view mirror” questions. We won’t really
know whether the market has hit bottom until after it has. If you
wait until then, a pent-up demand will have been created. And
you might have waited too long. So, don’t. Because...
It’s time to buy!
Nate Anderson
Office: 215.627.6005
Office Fax: 215.627.3412
E-mail: nate.anderson@prufoxroach.com
Direct: 215.440.2274

23. A rare second opportunity —
The $8,000 Homebuyer Tax Credit Returns!
Federal Tax Benefits Extended and Expanded! New provisions of the tax credit law:
Great news: Congress has extended and expanded the • Homebuyers now have through April 30, 2010 to have
homebuyer tax credit. If you are thinking of buying a a purchase contract in place and settlement must close
home, find out now if you qualify and don’t miss out on before July 1, 2010.
this second chance!
• The new law offers a tax credit for repeat
Here are some of the details of the new credit: homebuyers. Homeowners who have lived in one
residence for five consecutive years during the previous
Similarities with the original
eight can claim a tax credit of 10% of the purchase
$8,000 tax credit:
price, up to $6,500. The new home need not cost more
• First-time homebuyers can claim a than the old one.
credit of as much as 10% of the
• Income limits for both first-time and
purchase price, up to $8,000.
repeat buyers have been increased.
(Homes above $800,000 do not
The full amount of the credit may be
qualify for any credit.) First-time
claimed by single filers with income
homebuyers are defined as not
up to $125,000 and for married
owning a principal residence for
couples filing jointly up to $225,000.
three years before the new home
The tax credit is phased out over an
purchase.
additional $20,000 of income in
• The purchased home must be used as both cases.
your principal residence for the next
Any type of residence
three consecutive years.
qualifies: single family homes,
• The tax credit is a dollar-for- condominiums, co-op
dollar reduction in taxes owed apartments, attached or
to the I.R.S. For example, if semi-attached townhomes,
your entire income tax liability and more.
for the year is $5,000, and an
The new tax credit law took
$8,000 credit can be claimed,
effect on November 6, 2009,
your would receive a $3,000
so if you have a transaction
refund check from the I.R.S.
pending you may be able to
• You may claim the credit for a take advantage of the new
home purchased in 2009 on expanded benefits. And if
either your 2008 or 2009 tax returns. 2010 buyers you are considering a new home purchase — don’t let
may claim the credit on their 2009 or 2010 returns. this opportunity pass you by!
Talk to your Prudential Fox & Roach Sales Associate or Trident Mortgage Consultant
for more details.
Trident Mortgage
Company LP
www.prufoxroach.com
An independently owned and operated member of The Prudential Real Estate Affiliates, Inc.
Trident Mortgage Company is a member of The Fox & Roach/Trident family of companies. ©2009 Trident Mortgage Company.LP All Rights Reserved.
Trident Mortgage CompanyLP is licensed by the Pennsylvania Department of Banking as a Mortgage Lender. Licensed by the New Jersey Department of Banking
and Insurance. Licensed lender, Office of the Delaware State Bank Commissioner.