homebuyer book

HomefindingGuide

Prepared for:My Valued Buyer Client

Presented by:Nate Anderson Multi-Million Dollar Producer

Company:Prudential Fox and RoachREALTORS530 Walnut Street Suite 260Philadelphia, PA 19106

Office: 215.627.6005Office Fax: 215.627.3412E-mail: [email protected]: 215.440.2274Mobile: 215.500.1481

©2011, The Prudential Insurance Company of America. Prudential Real Estate brokerage services are offered through the Networkof broker member franchisees of the Prudential Real Estate Affiliates, Inc., a Prudential company. Most broker member franchiseesare independently owned and operated. “Prudential” and the Rock logo is a registered service mark of The Prudential InsuranceCompany of America. Used under license. Equal Housing Opportunity.

As your Prudential Fox & Roach Buyer Agent, I won’t justhelp you find your home. I will help make your dreamscome true.

>What I Will Do for You

Nate Anderson Office: 215.627.6005Office Fax: 215.627.3412E-mail: [email protected]: 215.440.2274Mobile: 215.500.1481

AboutMe

My guarantee to youI will bring to bear my company’s marketleadership on your behalf.� With more than 50 offices and 4,000 agents in three states, with 120 years in this

market, nobody has deeper roots and more highly tuned antennae to help you.

� I have access to virtually every property for sale in this market, including: allproperties listed by Prudential and all other brokers and builders, many propertiesoffered “For Sale by Owner,” and many properties not on the open market yet.

I will negotiate from a position of strength.� In real estate, knowledge is power. When we find the home that’s right for you,

I will develop a written market analysis of comparable homes to guide you indeveloping a buying strategy, including: price, terms, inspections, possession dateand personal property.

� The strength in negotiation comes from having options. I will make sure youknow all of the options available to you.

I will help you navigate the mortgage andsettlement processes.

� Under my company’s roof is the Trident Group ofCompanies with all of the post-ratified-contractservices you could ever need.

� All the resources you need to secure your mortgagefinancing, streamline your settlement and insure yourinvestment are right here, right now.

To sum up, I will help you find yourperfect home. Sincerely,

––––––––––––––––––––––––––––––Your Value Creation Specialist


AboutMe

• 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• Even many properties offered “For Sale By Owner”

• Advertised in newspapers or buyers’ guides• On the Internet• Open houses• Displaying “For Sale” signs

I have access to virtually every property for sale in this market.I will show you the homes that best match your requirements, including:

To save time and to not duplicate efforts, call me for additionalinformation on any property you see, whether or not they

are being offered by a Prudential Real Estate sales professional.I can obtain important facts about homes you see:

Think of me as yoursingle source of information.


Prudential Fox & Roach is not only the region’s Market Leader, butwe have a powerful connection to the world’s outstanding real estatenetwork. It’s an unparalleled combination of professionals andresources to help you find the home of your dreams.

What My Company WillDo for You

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Our Mission Statement

Our Guiding Principles

Here is my Company’s pledge to you...

MyCompany

Prudential Fox & Roach, REALTORS®/Trident Group is an innovative home-relatedservices company that dominates the markets we serve. We are a powerful teamdedicated to providing the highest quality service and holding ourselves to a standardof excellence. Our relationships with our Clients, Sales Associates, Employees,Strategic Partners and the Community we serve is built on trust and integrity. Wecreate a positive experience and add value to all those we impact. Our professionalismis a role model for our industry and the public.

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 theirhomeownership 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 anenvironment that will: nurture their professionalism, increase their growth opportunities and ensuretheir 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 andenjoyable 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 sharedcommitment to meeting the highest standards of excellence.

• Our Industry with a devotion to professionalism and honesty that will serve as a role model to thelarger business community.

• Our Community with a dedication to its well-being and improvement by being an excellent corporatecitizen through financial contribution and deep personal involvement and concern.


With Prudential Real Estate, you getthe prodigious power of a global brand.

MyCompany

* The Prudential Insurance Company of America (Prudential)©2009, The Prudential Insurance Company of America. Prudential Real Estate brokerage services are offered through the network of franchisees of the Prudential

Real Estate Affiliates, Inc., a Prudential company. Most franchisees are independently owned and operated. Prudential is a registered trademarkof The Prudential Insurance Company of America. Equal Housing Opportunity.

Why Prudential Real Estate can do moreto meet your homeselling and buying needs.

ReputationPrudential*, with a history of 125 years in financial services, offers a broad range of financial products andservices in the U.S. and abroad. Prudential’s distinctive Rock of Gibraltar logo and the Prudential name areamong the most enduring brands in U.S. corporate history. The company’s long history is a testament to thequality of service it has provided its customers.

Commitment to Customer ServiceThe needs of home sellers and buyers come first. Because the Prudential Real Estate Network is affiliated withthe Prudential family of companies, Prudential Real Estate Network members can connect customers through-out the United States with Prudential professionals who can assist with a lifetime of financial services, rangingfrom insurance to securities to retirement planning.

Advanced TechnologyPrudential Real Estate has pioneered the most advanced tools in the industry to create solutions to ourcustomers’ homeselling and buying needs. A world-class web site, www.prudential.com, is designed witheasy-to-use features that enhance the homeselling and buying experience.

Network StrengthThe Prudential Real Estate Network is one of the largest real estate brokerage franchise networks in NorthAmerica, with more than 1,700 member offices. Its network of 50,000 sales associates can satisfy your home-selling and buying needs virtually anywhere in the United States and Canada.

High StandardsNot every company is invited to join the Prudential Real Estate Network. It is a highly selective process, andonly those companies that measure up to their demanding criteria may become members of the Network.


There’s never been a more buyer-friendly web site than prufoxroach.com.With recent upgrades and added features, this is the region’s most powerful magnetfor homebuyers. The site is one of the communication tools I’ll use to send youreal-time updates, and late-breaking listing news.

And there’s never been a bettersearch-and-save tool than our exclusiveHome Pilot.I’ll set you up with your personal Home Pilot account. That will allow me to sendyou overnight listings, bulletins and Open House alerts. You’ll be able to saveyour Home Pilot home searches, you’ll be able to rank-order them, and email themto your family or loved ones anywhere anytime.

Open Houselistings, often the

newest and hottestlistings, are right

here on the HomePage. And it’s

easy to find theones nearest you.

Exclusive HomePilot lets buyerssave searches and

sign up forInstant Updates

Every PrudentialFox & Roach listinggets a Slide Show,with images thatput your property’sinteriors andexteriors in theirbest light. Our sitealso has virtuallyevery listing in theRegion, not justour listings.

You can start yourmap-driven searchesright here on theHome Page!

MyCompany

prufoxroach.com


No other real estate company has the regional power or resources tohelp you find your home than Prudential Fox & Roach. Being themarket leader means we often know when homes come on themarket sometimes even before the signs go up. Let me helpyou take advantage of that leadership.

We Will Help You RealizeYour Dream

>


FindingYourHome

As you think about finding a home, the following worksheets can help me clarifyyour 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.

Finding and buying the right home is a highly personalized process,and it all begins by identifying your needs.

Your needs come first.


FindingYourHome

Source: 2008 National Association of REALTORS Profile of Home Buyers and Sellers.

FACT:Use of theInternet to

find and buya house hasincreased

in just thelast five years.

FACT:More than

of homebuyers say

they consultthe internet“frequently.”

FACT:More than

of homebuyers saythey findinternet

information“very useful.”

69% 81%

78%

82%

27%

What you need to know abouthow people are finding homes in the internet age:

FACT:Approximately

first-timehome buyers

use the internet.

repeat homebuyers do so.

This visual is worth a thousandwords. Sure, finding a home will alwaysinvolve a professional real estate salesassociate to create a strategy and closethe sale. But over the last few years,there has been a seismic shift in the mechanics of searchingfor a home. Today, home buyers begin their home search onthe internet. They return to it. Frequently. And they trust theinformation they find there. Here are some facts that will explainwhy Prudential Fox & Roach doesn’t just accept the internet. We embrace it!


Of the thousands of real estate web sites outthere, you’ll find one, prufoxroach.com, that rocks!

FindingYourHome

INVENTORY

OPENHOUSES

HOMEPILOT

WHAT'SSOLD?

TOOLS ROAD TRIPHome buyers know they can

search for their dream home allover the region. To the shoreand back. With more than100,000 homes, ours is the

largest, widest anddeepest selection.

In the neighborhoodsand price ranges you’re

searching, now you can seewhat’s sold, when it sold,

and for how much. Today’smarket is marked by intense

comparison shopping. This isan invaluable tool forcomparison shoppers.

Like you.

We can sign you upfor instant alerts

of new listings using specificcriteria. It’s through our

exclusive Home PilotProgram. It allows me to be

in touch with you,easily and instantly.

We post a regional listof hundreds

of Open Housesevery weekend.With directions!

What’s more, we emailpersonal invitations to Home

Pilot subscribers.

Once you haveselected the homes you

want to see, we’ll set youup with directions and an

optimized map. You’llbe on the road in no time!

Not just mortgagecalculators, but also

easy to submitpre-qualification forms.

And a vast amountof helpful content.

We made it our mission to ask home buyers whatthey want on a web site. And then we gave it to you!


The Homefinding Process: HereIt Is: Described and Demystified.

<

It’s the adventure of a lifetime! Regardless of whether it’s a buyer’s market or a seller’smarket, the search for a new home has its own rhythm and each “actor” has his orher own certain responsibilities. It can be a daunting process. But with my expertiseand my company’s resources we can navigate it with the maximum of skill and theminimum of stress.


Obtain Financing• Find a mortgage company• Consult with a loan officer• Pre-qualification• Complete loan application• Obtain loan pre-approval• Provide requested documentation

The homefinding process typically includes many of these elements.I will be your resource and guide every step of the way.

TheHomefindingProcess

Initial Consultation• Determine your priorities and needs• Review "agency" choices and select appropriate

working relationship• Discuss financing options

Find the Right Home• Sales associate shows you properties based on your criteria• Evaluate each property with sales associate• Choose the right home

Prepare 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

Reach an Agreement with the Seller• Present your offer• Negotiate terms and possible counteroffers• Agree upon sales contract with seller

Complete the Settlement Process• Deposit earnest money• Review seller's property disclosures• Review preliminary title report• Roof, termite and other inspections• Remove any remaining contingencies• Arrange for homeowners insurance• 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• Record title• Receive keys from sales associate• Move in!

Finding and buying a home:


Here are several shields against troublein your quest for the home of your dreams...


Important ways to protect your interests:

• A written property disclosure statement from the seller will revealany problems with the house and the surrounding area that you needto know about.

• Professional inspections can reveal structural, roof, termite, andother problems with the property that the seller will need to remedy.

• A home warranty can give you peace of mind by providingrepair-or-replace coverage of major home operating systems andappliances.

• A preliminary title report informs you of any problems with theproperty’s title and a policy of title insurance protects your rightsto the property.

• A walk-through before closing will allow you to make sure allrequired work has been taken care of and that the property is readyto become yours.


Once you have found the right house, the next step is to make a purchase offerto the seller. It’s a big step. Here are a few considerations we’ll discuss together...


Submitting an offer:

• The price the seller is asking may or may not reflect realistic market value.• The best way to determine market value is with a Comparative Market

Analysis (CMA) showing similar properties that sold recently, those thatare currently active on the market and those that failed to sell.

• I will discuss with you an estimate of costs associated with purchasing thisproperty.

• We will review together the status of your loan pre-approval.• We will work together with your loan officer to explain financing options

and help you determine the mortgage plan that best fits your requirements.

• Items of personal property you want included with the house.• Warranty, inspections, repairs or other home enhancements by the seller.• Closing date and possession.

• The seller will have three choices: accept your offer as it is presented; reject itcompletely; or propose adjustments to your offer (make a counteroffer).

• If there is a counteroffer, you can choose whether to accept it or reject it.

We’ll determine the price you want to offer...

We’ll decide on financing...

We’ll consider other issues that are important to you, such as...

Once you have reached agreement with the seller, you have a firm contractto purchase your new home!

I will present your offer.


It can take 15 to 90 days, depending on the complexity of the transaction.I will work closely with everyone involved to help make sureeverything moves ahead as smoothly as possible. I will...


Completing your home purchase:

• ...explain to you in detail all the steps that will occur, and answer anyquestions you might have.

• ...work with the seller’s broker to see that they fulfill theirresponsibilities under the contract.

• ...stay in touch with the settlement officer, title officer, lender andothers to help coordinate their activities and to help keep thetransaction progressing.

• ...communicate with you on a regular basis so that you can stayinformed and as worry-free as possible.


Here are some things to consider as you get ready to move into your new property.(I can suggest local professionals for many of these services.)


A smooth transition to your new home

4 weeks before your move� Contact and contract with a reputable moving company.� Have school records transferred.� Arrange to transfer (or take with you) medical, dental and other important records.� Prepare to transfer your homeowners and auto insurance to be sure you will be

covered for any unforeseen disasters.� Keep track of moving-related expenses. (Check with your accountant to find out

what expenses will be deductible).3 weeks

� Obtain and mail change-of-address cards to the post office, subscriptions, creditcard companies and important contacts.

2 weeks� 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.� Close or transfer bank accounts.� Terminate newspaper delivery service.� Arrange for transfer of vehicle licenses and driver’s licenses.� Have an extra supply of prescription medications for the next four weeks.� We will schedule a final walk-through of the property to make sure everything

is in order.Week of your move

� Keep valuable financial records and personal papers with you; do not pack themwith the rest of your household goods.

� On closing day, the home purchase documents are recorded and the home is yours.� Move in!

After you move in� Consider plans for landscaping design, installation and maintenance.� Review home security requirements and systems.� New home furnishings, appliances, and interior decorating will help make

the house your home.Enjoy your new home!


Booms. Busts. Bubbles. With all that’s happened, what issomeone supposed to believe about credit and financing ahome? Let me help you through the minefield of rumorsand urban legends. I can tell you this much: if you havegood credit, I will help you find your financing.

<Knowledge Is Power. Here Are theFinancial Facts You Need to Know.


Unless you are in a position to pay cash, you will need to obtain a home loan(mortgage) to complete the purchase. I will assist you in obtaining

the financing that meets your needs.

FinancingYourHome

Financing your home purchase.

• Being approved for a loan before you submit an offer will put you in astronger negotiating position and can save time in the loan approval process.

• I can put you in touch with experienced loan officers at leading mortgagecompanies. Your loan officer will be your principal guide through thefinancing process.

• Various financing options may be available to you, including:–– Fixed Rate Mortgage–– Adjustable Rate Mortgage (ARM)–– Government-assisted (FHA or VA) financing–– Seller-assisted financing

• You can expect the lender to ask for standard information regarding yourincome, expenses and obligations.


Realistically assessing your finances up front will streamlinethe homefinding process. This worksheet can help you do that.

FinancingYourHome

What can you afford?

Step 1 Monthly IncomeWages, salaries, business income after expenses ____________________Interest, dividends or rental income ____________________Other (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 Amt 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).


The following information is typically needed when applying for a mortgage...

FinancingYourHome

Loan application checklist:

Purchase contract and property information� Copy of the sales contract� Mailing address and property description� Contact information for access to the property� Plans and specifications (new construction only)

Personal information� Social Security number� Age� Years of schooling� Marital status� Number and ages of dependents� Current address and telephone numbers� Addresses for the past seven years� Current housing expenses (Rent, mortgage, insurance, taxes)� Name and address of landlord or mortgage holder for past two years

Employment history and income� Two years of employment history, with complete details of each job� Recent pay stubs and two years of W-2 forms� Complete tax returns and financial statements if self-employed� Written explanation of employment gaps� Records of dividends and interest received� Proof of other income

Assets� Complete information on all bank and money market accounts� Two months of bank statements� Current values of stocks, bonds, mutual funds and other investments� Vested interest in retirement funds� Value of life insurance� Information on vehicles you own� Information on real estate you own� Value of significant personal property you own

Liabilities� Itemized list of all current debts (loans, credit cards, and other bills)� Written explanation of past credit problems� Full details of bankruptcy during the last seven years

Fees� Credit report and appraisal fees (usually $500 or less)


<

Within our corporate family is the Trident Group, offering homebuyers nationallyranked and recognized services such as mortgage financing, settlement services, titleand homeowners insurance. Trident’s mission? To provide you with every conceivableservice, each service handled with impeccable professionalism. What’s more, onceyou have inked a contract for your home, you can take advantage of our exclusiveHOMEssentials services that include utility connection, contractor referrals anddiscounts with moving van companies.

We Provide Everything BuyersNeed. Right Here. Right Now.


Our Trident Group of companies offers you,the home buyer, everything you need...

Services

Mortgage financing. Settlement services. Insurance.All are yours under the Prudential Fox & Roach/Trident Group

corporate umbrella.Trident is a group of three companies:

Trident MortgageTrident Land Transfer

Trident Insurancecreated with the mission of helping you afford, settle and insure the home

of your dreams once you’ve found it.

...right here.

...right now


Secure your mortgage...

Services

Sure, you can talk to a whole slew of mortgage lenders and insurers, both on-and off-line, and drive yourself crazy trying to figure out what the best dealsare for you. But you can also talk to the highly qualified Trident specialists andlet them broker products, costs and terms on your behalf.

...right here and now. Our Trident Mortgage Company is a full-service Mortgage Banker, one of the largest broker-affiliatedmortgage companies in the United States.

Here’s why Trident will be a valuable resource to you when you’vefound that dream home:

• Trident works for you, not lending institutions.Trident combs the country for the right terms and prices for you.

• Pre-approval services are part of Trident’s scope of work.This gives you a competitive edge if other buyers like your dreamhome, too!

• Trident is also renowned for their streamlined application processand the speed with which they secure loan approvals.

• Unlike dealing with an online or off-brand lender, you’ll dealwith a live human being right here in the region.

Speaking of online and outside financial sources, know this: Tridentand Prudential Fox & Roach manage thousands of transactionseach year. The one thing that derails a settlement most often is anoutside financial source making a mistake during the process. Or,outside financial and settlement sources failing to coordinate services.

Also, keep in mind that lots of online services have processorsand few real professionals. Trident has the professionals to help you!

The Trident Group


Streamline your settlement...

Insure your investment...

Services

right here and now. If you work with Trident Land Transfer Company, you’ll be workingwith one of the nation’s largest broker-affiliated title and settlement companies..

...under our roof with the Trident Insurance Agency, a fully licensed and fully accomplished insurance agency.

In this region, nobody knows the ins and outs of the settlement and titleprocess better than our well trained and well qualified professionals.Here are the benefits you’ll receive by settling with Trident:• Your settlement and title insurance professionals will deliver

an unsurpassed level of efficient, mistake-free service.• You will get an accurate estimate of all closing costs before

settlement to prevent unpleasant surprises at closing.• Trident’s title insurance is underwritten by LandAmerica, the

oldest and one of the largest title insurers in the United States.

Work with Trident Insurance and here’s what you’ll get:• A company that, like our mortgage financing entity, works for you.

We solicit competitive quotes from our carriers to make sureyou get the right coverage at the best rates.

• Custom-tailored coverage to your specific needs. And in avariety of categories, including homeowners, flood, renters,investment properties–even auto, mortgage life, life andexcess liability policies.

The Trident Group


We created HOMEssentials to serve them both. They’re our exclusive set of time andmoney-saving services. Below is the basic set, but we’re constantly expanding andenhancing the components. Buyers love knowing they’ll take advantage of theseservices. And sellers love being able to offer them. HOMEssentials works for everybody!

Connection Services.Let us set up any or all of yourutilities, cable services andnewspaper subscriptions.

Moving Services.We’ll put you in touch withdependable van line companies,even get you discounts of movingboxes.

Longer-Term Services.We’re talking about homesecurity systems, car rentals,long distance telephone andinternet service firms,to name a few.

Contractors.Whether it’s a relatively minorthing to repair or a major addi-tion to make to your home, wehave a network of contractingprofessionals and firms we’llshare with you.

Home Warranty.When you list with us, we’llextend a warranty for your home’smajor systems for the length of thesale period. Then, your buyer canextend the warranty. A win-winservice for sellers and buyers.

Services

Our HOMEssentials arewin-win services for buyers and sellers.


Addenda

With an HSA Warranty, you’re prepared for the unexpected.The cost of repairing or replacing appliances and systems in yournew home can be budget-breaking, especially when you’ve justpurchased the home. You know these elements of yourhome can’t last forever. Plan ahead.

You save yourself time. You keep it simple.An HSA Home Warranty provides the convenience of onesource for most repair needs. Prompt, reliable service is available24 hours a day, 7 days a week.

You’re protected year after year.The HSA Home Warranty is renewable annually so you’realways prepared for the unexpected.

800-367-1448 • www.onlinehsa.comThe HSA Home Warranty is subject to the terms,

conditions and provisions of the home warranty contract.

How to protect yourselffrom unexpected repair costs:

For a home buyer, the HSA HomeWarranty protectionis one of the most important features of your new home.


Addenda

>


Pennsylvania Tax Informationwww.revenue.state.pa.us/revenue

Pennsylvania State Income Tax 3.07% on earned and unearned income

Philadelphia City Wage Tax 4.301% on wages of residents3.77164% on wages of non-residents

Philadelphia Net Profits Tax 4.301% on wages of residents3.77164% on wages of non-residents

Philadelphia Business Privilege Tax .2400 mills of gross receipts6.5% on net income

Philadelphia School Income Tax 4.5385% on unearned income

Townships & Boroughs Wage Taxes Various wage taxes may apply

Philadelphia Real Estate Property Millage 82.64 mills on assessed value of Real Estate

Township & Boroughs Real Estate Millage Various

Real Estate Transfer TaxesPennsylvania 1% of sale pricePhiladelphia 3% of sale PriceTownships & Boroughs 1% to 2% of sale price

Pennsylvania Sales & Use Tax 6% on non-necessities

Philadelphia Sales & Use Tax 7% on non-necessities

Addenda


Addenda

Driver’s License• To apply, you must appear in person at any

Driver’s License Center.

• Complete the necessary forms with the correct

classification(s) and endorsement(s) and take a

vision-screening test. Forms will be provided at

the Center.

• Bring your valid driver’s license from your prior

state (valid or expired 6 months or less).

Additionally, you will need your Social Security

Card and your Birth Certificate with raised seal

or valid U.S. Passport.

• If your out-of-state license has expired, you are

required to apply for a PA Learner’s Permit and

complete all the testing prior to receiving your

PA Driver’s License.

• Fee: $31

Registration• All new residents are required to make applica-

tion for PA title and registration of their

vehicle(s) within 20 days of entry into PA when

establishing residency.

• You will need to obtain the necessary forms to

get your PA vehicle registration. Forms can be

obtained from any car dealer, Notary Public, or

24 Hour Auto License Tag Service or Driver

and Vehicle Service Center location and are also

available online for downloading.

• In order to register your vehicle you will need to

bring the following items: a valid PA driver’s

license, a valid title, or Title Release

Authorization Form; proof of Pennsylvania car

insurance with the company name and policy

number, a form of personal identification,

completed MV-1 form, and a tracing of the

Vehicle Identification Number (VIN).

• Fees: Registration Fee- $36.00 for passenger car.

• License Plates or Tags: The notary or dealer will

issue the permanent tag with a “T” sticker.

Then the car must be inspected within 5 days.

You will receive your registration from

Harrisburg through the mail.

Pennsylvania Driver and Vehicle InformationDMV: 800-932-4600 • www.dmv.state.pa.us


Building a legacy of giving...Fox & Roach Charities is the Company’s charitable link to the

communities we serve. Our mission is to address the needs of childrenand families in stressful life circumstances, especially their housing.

...and giving a day of work to our community.

Addenda

In 1995, Prudential Fox & Roach/Trident founded Fox &Roach Charities, a Pennsylvania nonprofit corporation thatis a public charity. Prudential Fox & Roach/Trident supportsFox & Roach Charities by matching dollar-for-dollar contri-butions by the Company’s sales associates and employees. During its first 12 years ofexistence, Fox & Roach Charities raised $2,600,000 of charitable contributions,including more than $800,000 from Prudential Fox & Roach/Trident, to more than350 organizations in the tri-state area.

In 2005, Fox & Roach Charities contributed $400,000 tomore than 150 Delaware Valley charities. In addition, withthe assistance of our sales associates and employees we wereable to raise more than $400,000 for Tsunami Relief andmore than $450,000 for Hurricane Katrina Relief.

Since 1995 “Community Service Day” has been an importantcompany-wide tradition at Prudential Fox & Roach/Trident. Onthis day each year, the company closes all its offices and departmentsenabling sales associates and employees to lend a helping hand to ourfellow citizens in need. This allows the company and its 4,500 salesassociates and employees the opportunity to give back to our communities, touch lives, and help theless fortunate. It’s a day that gives us another dimension, and lets us feel good about ourselves, ourcompany and our good work.


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