Illinois is moving toward one of the most significant changes to rental transactions we’ve seen in years—and most agents are underestimating how much this will impact their day-to-day business. If you work with rentals, landlords, or tenants, this is not just a legal update—it’s a process shift. Let’s break down what’s changing, what’s unclear, and how to stay ahead. 🚨 What’s Actually Changing At its core, HB 3564 is about transparency and fee control. The law targets how rental pricing is presented and what landlords (and agents) can charge. Key Changes: All non-optional fees must be disclosed upfront Application and screening fees are limited Certain fees (including some move-in/admin fees) are restricted or eliminated Lease agreements must clearly show total cost—not just rent Utility responsibilities must be disclosed There are real enforcement mechanisms and penalties 👉 Translation: The days of “$1,800 rent + a few extra fees later” are over. 📅 Effective Date: Why There’s Confusion You’re probably hearing two different timelines—and both are technically correct. July 1, 2026 → Original effective date under HB 3564 January 1, 2027 → Possible delayed start if HB 5234 passes HB 5234 is a “trailer bill” designed to push implementation back. What should you do? 👉 Plan for July 1, 2026. If it gets delayed, you’re ahead. If not, you’re protected. ⚠️ Where Agents Will Get in Trouble This law doesn’t just affect landlords—it directly impacts how agents: List properties Communicate pricing Draft leases Advise clients The biggest risk areas: Advertising incomplete pricing Failing to disclose all required fees Using outdated lease templates Charging or promoting non-compliant fees Inconsistency between MLS, marketing, and the lease 👉 Most violations won’t be intentional—they’ll be process failures. ✅ What Agents Need to Do Differently 1. Start With the Full Financial Picture Before listing a rental, you need to know: All required fees Which fees are allowed vs. restricted Who pays utilities The true total monthly cost If you don’t have this upfront, you can’t market the property correctly. 2. Market Total Cost—Not Just Rent Your listings should clearly communicate: Base rent All required fees Utility responsibilities 👉 If it’s not disclosed, it can’t be charged. This will fundamentally change how listings are written—and how tenants compare options. 3. Align the Lease With the Marketing One of the biggest compliance risks is inconsistency. The lease must match what was advertised All non-optional fees must appear clearly (and upfront) Duplicate or vague charges need to be eliminated No more “we’ll explain that later.” 4. Eliminate “Creative Fee Structures” This law is specifically designed to prevent: Renaming fees to avoid restrictions Adding charges after agreement Layering in admin or convenience fees 👉 If the structure feels complicated, it’s probably non-compliant. 5. Communicate Clearly With Clients Both landlords and tenants will need guidance. Agents should be explaining: What fees are allowed How pricing must be presented Why transparency matters This is an opportunity to position yourself as an expert—not just a facilitator. 🏢 Broker-Level Responsibility This is not something individual agents can manage alone. Brokerages need to: Update lease templates Standardize fee disclosures Align MLS + marketing systems Train agents consistently Audit listings for compliance The biggest issue today?👉 There is no single source of truth for fee data. That has to change. 📌 Strategic Insight (This Is Bigger Than Compliance) This law will shift how rental properties are priced and perceived. Expect to see: More transparent pricing across listings Landlords rolling fees into rent Tenants comparing true cost, not just base rent Increased scrutiny on agent practices Agents who understand this early will:✔ Build more trust✔ Win more listings✔ Avoid compliance issues✔ Differentiate themselves in a crowded market 💡 Bottom Line This is not just a legal update—it’s an operational change. If your process today relies on: Partial pricing Flexible fee structures Verbal explanations instead of written disclosures …it will not hold up under this law. 👉 The agents who adapt early will be the ones who stay compliant—and grow.

1️⃣ Identify the Buyer’s Problem ▢ Determine why they’re buying (renting, upsizing, downsizing, relocating, investing, etc.) 2️⃣ Identify the Solution ▢ Define what type of property best meets their needs and goals. 3️⃣ Schedule and Hold a Buyer Consultation ▢ Build rapport and understand their situation ▢ Demonstrate your professionalism and process ▢ Discuss pre-approval and connect them with a trusted lender if needed ▢ Explain the buying process and timeline ▢ Create an MLS search together and review sample listings ▢ Explain agency relationships and compensation ▢ Get the Buyer Agency Agreement signed 4️⃣ Upload Buyer Agency Agreement ▢ Upload the signed agreement to DotLoop 5️⃣ Schedule Property Tours ▢ Plan showings that align with the buyer’s availability and goals 6️⃣ Reconfirm Buyer’s Needs and Wants ▢ Meet to fine-tune criteria based on feedback and touring experience 7️⃣ Identify the Property to Purchase ▢ Help buyer select the best-fit home 8️⃣ Call the Listing Agent ▢ Ask what terms the seller wants in an offer ▢ Confirm any preferred closing dates or conditions 9️⃣ Write a Winning Offer ▢ Draft a competitive, complete offer package 🔟 Obtain Buyer Signatures on Disclosures ▢ Ensure buyer signs all required disclosures and forms 1️⃣1️⃣ Distribute Executed Contract ▢ Send executed contract to buyer’s attorney, lender, and the listing agent 1️⃣2️⃣ Communicate Details to All Parties ▢ In your introduction email, include key contract dates, contingencies, and contacts 1️⃣3️⃣ Upload Executed Contract & Disclosures ▢ Upload all signed documents to DotLoop 1️⃣4️⃣ Schedule the Home Inspection ▢ Coordinate the inspection — call BrickKicker! 1️⃣5️⃣ Review Inspection Findings with Buyer ▢ Advise on which issues warrant repair requests or credits 1️⃣6️⃣ Negotiate Inspection Items with Listing Agent ▢ Discuss and resolve inspection-related items with the other agent 1️⃣7️⃣ Update Attorneys on Inspection Results ▢ Email both attorneys with final inspection agreements 🔑 NEW: Post-Attorney / Inspection Resolution 1️⃣8️⃣ Request Broker Statement (Kale Realty Requirement) ▢ Request the broker statement from KaleHuddle.com 1️⃣9️⃣ Submit Broker Statement to Attorney ▢ Send the broker statement to the buyer’s attorney for closing preparation 2️⃣0️⃣ Complete Coaching Disbursement Form (if applicable) ▢ If working with a coach, complete the Coaching Fee Disbursement Form at the same time 2️⃣1️⃣ Stay in Touch with Lender ▢ Check regularly that loan approval and appraisal are on track 2️⃣2️⃣ Schedule Final Walk-Through ▢ Book the walk-through 24 hours or less before closing 2️⃣3️⃣ Handle Walk-Through Issues Promptly ▢ Communicate any problems directly to the listing agent 2️⃣4️⃣ Attend the Closing ▢ Support the buyer at the closing table 2️⃣5️⃣ Upload Settlement Statement ▢ Add the final settlement statement to DotLoop 2️⃣6️⃣ Deposit Your Kale Check ▢ Deposit your commission check into Chase 2️⃣7️⃣ Upload Deposit Slip ▢ Upload the deposit slip to DotLoop ✅ Pro Tip: The biggest breakdowns happen between inspection resolution and closing—this is where deals fall apart or get delayed. Stay tight on communication, timelines, and documentation during this phase.

✅ 1. Review Listing Paperwork  – Go over the listing agreement, MRED exemption (if applicable), and required disclosures  with the seller. ✅ 2. Review Market Conditions  – Use Infosparks  to analyze local market trends and provide insight to the seller. ✅ 3. Review Comps  – Generate a comparative market analysis (CMA)  using Cloud CMA  to establish pricing strategy. ✅ 4. Prepare a Seller Net Sheet  – Use ATNAGENTONE  to calculate estimated proceeds for the seller. ✅ 5. Develop a Marketing Plan  – Discuss strategies for maximum exposure , including online listings, open houses, social media, and print marketing. ✅ 6. Get Seller Signatures  – Ensure all required documents are signed  by the seller. ✅ 7. Get Designated Managing Broker Signatures  – click on on SUBMIT FOR REVIEW for Rick Williams our DMB to sign off. ✅ 8. Upload Documents to Dotloop Checklist  – Submit all paperwork to Dotloop  for compliance review. ✅ 9. Order Custom Signage  – Place an order for a custom yard sign through MARKFUL https://www.markful.com/kale-realty ✅ 10. Schedule Professional Photography  –  Book a Prestige photo shoot  for high-quality listing images. ✅ 11. Set Marketing & Open House Timeline  – Confirm with the seller the launch timeline  and schedule any open house dates . ✅ 12. Request Sign Installation  –   Submit a request to Oakley  for yard sign installation . ✅ 13. Design & Order Flyers  –   Use Xpressdocs  to create custom flyers  for the listing. ✅ 14. Generate Address Report in REMINE  – Pull addresses of potential buyers  around the property for targeted marketing. ✅ 15. Draft & Upload Postcards in Xpressdocs  –   Design just listed postcards  and upload the Expressdocs  for mailing. ✅ 16. Select & Name Listing Photos  –  Go to https://www.prestigelistingphotos.com/ to choose and label the final listing photos . ✅ 17. Draft the MLS Listing  – Input listing details into connectMLS , ensuring all information is accurate. ✅ 18. Upload Exterior Photo & Disclosures to MLS  – Attach at least one exterior photo  and required disclosures . ✅ 19. Reverse prospect ✅ 20. Request listing activation  – Visit   www.kalehuddle.com  and click on “ACTIVATE  My Listing” . ✅ 21. Sign is installed ✅ 22. Set up   www.showingtime.com ✅ 23.  Go to https://www.prestigelistingphotos.com/ to enter the listing number : the photos will automatically be uploaded and syndicated ✅ 24. Set up lockbox ✅ 25. Notify Risa of Seller’s Attorney  – Send an email to risa@kalerealty.com  with the seller’s attorney’s name and contact information . Risa will work with the attorney to sign them up for Rivers Title.  ✅ 26. Reverse prospect ✅ 27. Put fliers and brochures at the property . ✅ 28. Discuss with the seller’s Murphy’s law: When a property goes on the market something breaks. They may want to get seller’s coverage of Armadillo Home Warranty and it will cover issues until the closing. ✅ 29. Contact Maria Kennedy mariaw@anmtg.com  or Terrence Terrell Terrence@anmtg.com  and request open house fliers ✅ 30. Conduct open house ✅  31. Enter all open house attendees contact info into Real Geeks CRM and create a drip campaign ✅ 32. Follow up after each showing for feedback This checklist ensures a smooth listing process  and maximizes exposure for your seller’s property. Happy selling! 🚀

We’re excited to introduce REALAY  — a powerful referral platform that gives Kale agents the opportunity to send and receive referral leads nationwide  and earn up to a 20% referral fee . If you're looking to grow your business, expand your network, and create additional income opportunities, this is a simple and powerful tool to get started. Why Join REALAY? By joining REALAY, you can: ✅ Receive referral opportunities from agents across the country ✅ Send your clients to trusted agents nationwide ✅ Earn up to a 20% referral fee ✅ Expand your professional network ✅ Grow your business beyond your local market Whether your client is relocating out of state or you're looking for referrals into Illinois, REALAY makes the process seamless. Getting Started is Easy In this short video, we walk you through exactly how to get set up: 🎥 Watch the Step-by-Step Setup Video: https://www.loom.com/share/ab3086c574e34d2797fadc9663e1003b Here’s What You’ll Learn in the Video Accept Your Invitation Open the invitation email from REALAY Click to join the platform Set Your Password Create your secure login credentials Complete Your Profile Add your phone number Select your specialization Define your coverage area Save Your Changes Make sure your profile is complete so you can receive referrals Subscribe to the Free Plan Select the free plan  (no fees required) Explore the Dashboard Start sending referrals Review referral opportunities Connect with agents nationwide Pro Tips for Getting More Referrals ✔ Complete your profile fully✔ Choose your specialties carefully✔ Define your coverage areas clearly✔ Respond quickly to referral opportunities✔ Build relationships with other agents The more active you are, the more opportunities you'll receive. Start Growing Your Referral Business Today REALAY is another way Kale Realty supports agents with more opportunities, more connections, and more income . Take a few minutes today to set up your profile and start building your referral network. Let’s grow together.

At Kale Realty, we are always looking for ways to help our agents grow their business, reduce stress, and focus on what matters most — building relationships and closing deals. We’re excited to announce that Kale Realty agents now have access to professional transaction management services  through our new partnership with Amplified Transactions . 👉 Learn more:   https://amplifiedtransactions.com/ What is Amplified Transactions? Amplified Transactions provides professional real estate transaction coordination services  designed to support agents, teams, and brokerages. Their experienced coordinators manage contracts, deadlines, and communication , helping ensure every transaction runs smoothly from contract to closing. ( amplifiedtransactions.com ) This means you can focus on lead generation, client relationships, and growing your business — while they handle the administrative details. Services Available to Kale Realty Agents Contract-to-Close Transaction Coordination Once you have an executed contract, Amplified Transactions can manage the transaction through closing, including: Contract review and documentation management Tracking deadlines and contingencies Coordinating with lenders, attorneys, and title companies Scheduling closing and sending reminders Managing communication between all parties Uploading compliance documents Ensuring you are ready for closing day ( amplifiedtransactions.com ) Listing Coordination Services Amplified Transactions also offers listing support to help you prepare and launch listings, including: Drafting listing agreements Obtaining signatures Scheduling photographers, staging, and repairs Entering listings into MLS Managing listing updates Compliance document management ( amplifiedtransactions.com ) Compliance Support For agents who only need limited support, Amplified Transactions also offers compliance-only services, including: Uploading required documents Completing brokerage compliance requirements Helping ensure faster payment processing ( amplifiedtransactions.com ) Why This is Valuable for Kale Agents Amplified Transactions is designed to help agents: Save time and reduce stress Stay organized and compliant Deliver a better client experience Handle more transactions without hiring staff Scale their business more efficiently ( amplifiedtransactions.com ) Flexible & Agent-Friendly No long-term contracts No upfront fees (many services invoiced at closing) Support for agents, teams, and brokerages Nationwide experience with multiple compliance systems ( amplifiedtransactions.com ) Focus on What You Do Best Transaction coordination has become increasingly important as real estate transactions grow more complex, requiring careful coordination between agents, lenders, title companies, and other parties. ( Wikipedia ) By leveraging Amplified Transactions, Kale Realty agents can spend less time managing paperwork and more time generating business. Get Started Today If you're ready to streamline your transactions and grow your business, learn more here: 👉   https://amplifiedtransactions.com/ At Kale Realty, we’re committed to providing the tools, partnerships, and support you need to succeed.

Get Coverage. Get Paid. Stay Productive. We’re excited to announce that Showami is now available to all Kale Realty agents  — giving you the ability to request showing coverage  when you're unavailable and earn income  by covering showings for other agents. This is another step in helping Kale agents stay productive, provide great client service, and create additional income opportunities. 👉 Sign Up for Showami Here: https://showami.com/users/sign_up?source=kale-realty What is Showami? Showami is a platform that allows agents to: ✔ Request showing coverage✔ Cover showings for other agents✔ Get paid for assisting other agents✔ Maintain excellent client service even when you're unavailable When to Use Showami You can use Showami for: Buyer showings Open house coverage Final walkthroughs Listing access Showing coverage when you're unavailable Emergency scheduling conflicts Busy weekend coverage This tool helps you never miss an opportunity  while still providing exceptional service to your clients. Want to Get Paid? Sign Up as a Showing Agent You can also earn additional income  by covering: ✔ Buyer showings✔ Open houses✔ Final walkthroughs✔ Property access requests This is a great opportunity for: New agents looking to gain experience Agents wanting additional income Agents looking to expand their network Kale Realty Policy & Best Practices To ensure a smooth experience for everyone, please follow these guidelines: Agency Relationship This is very important! When using Showami: The requesting agent maintains the agency relationship  with the client The Showami agent is acting as a showing assistant only The Showami agent does not represent the buyer or seller The Showami agent should not provide advice, negotiation guidance, or representation The primary agent remains responsible for: ✔ Client communication✔ Negotiations✔ Strategy✔ Contracts✔ Representation Communication Expectations Before the showing: ✔ Provide clear instructions✔ Share property details✔ Explain client expectations After the showing: ✔ Showing agent provides feedback✔ Requesting agent follows up with client Professional Expectations When covering a showing: ✔ Be on time✔ Be professional✔ Represent Kale Realty well✔ Provide feedback promptly✔ Respect agency boundaries When This Tool Is Especially Helpful Double-booked showings Weekend conflicts Travel Emergencies High-volume buyers Open house conflicts Why We're Offering Showami Our goal is to help agents: ✔ Never miss opportunities✔ Provide excellent client service✔ Increase productivity✔ Create additional income streams✔ Support each other Get Started Today Sign up here:👉   https://showami.com/users/sign_up?source=kale-realty Once you're signed up, you can: Request showing coverage Accept showing opportunities Start earning Questions? If you have questions about Showami or best practices, please reach out. We’re excited to offer this new tool to help you grow your business while supporting your fellow Kale agents.

Your One-Stop Shop for Branded Marketing & Business Essentials We’re excited to introduce the new Kale Realty Storefront  — designed to make it easier than ever for agents to access professional, brand-approved marketing materials and business essentials. Whether you're launching your business, preparing for a listing, or simply elevating your brand, the Kale Realty Storefront provides everything you need — all in one place. Why We Created the Kale Realty Storefront At Kale Realty, we’re committed to providing agents with the tools, resources, and support needed to grow a successful business. One of the biggest challenges agents face is finding high-quality, consistent branding materials. The new storefront solves that challenge by offering: Professionally designed materials Brand-approved templates Easy ordering and delivery Consistent Kale Realty branding This means less time searching and designing — and more time focused on your clients. What You’ll Find in the Storefront The Kale Realty Storefront includes a wide range of items to help you grow your business: Marketing Materials Flyers Door Hangers Magnets Client Handouts Listing Marketing Pieces Business Essentials Office Supplies Branded Stationery Presentation Materials Client Gifts & SWAG Branded gifts Promotional items Closing gifts Everyday branded items Coming Soon Signage options Expanded marketing materials Additional branded merchandise Why This Matters for Your Business Consistency builds credibility. When your marketing materials are professionally branded and consistent, you position yourself as a trusted professional in your market. The Kale Realty Storefront helps you: Elevate your professional image Build brand recognition Save time on design and sourcing Access approved marketing materials Grow your business with confidence Easy to Use. Built for Agents. Ordering is simple and designed with busy agents in mind. Browse available items, customize where applicable, and have your materials delivered directly to you. Visit the Kale Realty Storefront here: https://www.markful.com/kale-realty Supporting Your Success This storefront is another example of Kale Realty’s commitment to supporting agents at every stage of their career. From training and coaching to marketing tools and technology, we’re here to help you build a business you love. Everything you need. All in one place. Branded the Kale Way.

https://info.armadillo.one/kale-realty Real estate agents are constantly balancing two priorities: helping clients make confident decisions and protecting the transaction from unnecessary risk. One of the simplest—and often overlooked—ways to do both is through a home warranty. Kale Realty’s new partnership with Armadillo Home Warranty  brings a modern, more flexible option to agents and their clients, making it easier to incorporate protection into both buyer and seller conversations. Why Home Warranties Matter More Than Ever Today’s buyers are already navigating: Rising interest rates Tight inventory Increased financial pressure The last thing they want after closing is an unexpected repair bill. A home warranty helps bridge that gap by covering major systems and appliances when they fail, giving buyers confidence to move forward—even when a home isn’t perfect. For sellers, it becomes a strategic advantage : Reduces buyer hesitation Adds perceived value to the home Can help keep deals together during inspection negotiations What Makes Armadillo Different Armadillo is not a traditional home warranty company. It was designed to address many of the frustrations agents and clients have experienced in the past. 1. Simplicity Plans are straightforward and easy to explain—no complicated contracts or confusing fine print. 2. Flexibility Clients can choose coverage that fits their needs, rather than being forced into rigid packages. 3. Tech-Driven Experience Claims and service requests are handled through a modern platform, making the process faster and more transparent. 4. Real Protection Coverage includes major systems and appliances, helping homeowners avoid unexpected out-of-pocket expenses. How Agents Can Use This in Their Business This partnership isn’t just about offering a warranty—it’s about elevating your role as an advisor . With Buyers Introduce a home warranty as part of your consultation: “Even if everything looks good today, things can break after closing. This gives you protection and peace of mind.” This positions you as proactive and client-focused. With Sellers Use a warranty as a listing strategy: “Including a home warranty can make your home more attractive to buyers and help reduce concerns during negotiations.” This helps differentiate your listing and can support smoother transactions. During Negotiations Home warranties can also be used as a solution tool : Instead of renegotiating price, offer a warranty Helps resolve inspection concerns Keeps deals moving forward The Bigger Picture At Kale Realty, our focus is not just on closing deals—it’s on building sustainable, professional real estate businesses. The partnership with Armadillo supports that mission by giving agents: A tool to reduce risk A way to add value to every transaction A resource that strengthens client relationships Because the agents who succeed long-term are not just transactional—they are trusted advisors. Getting Started If you’re not already incorporating home warranties into your process, now is the time to start. Learn more and access resources here:👉   https://kale-realty-landing.base44.app Final Thought Real estate is full of unknowns—but your clients don’t have to feel unprotected. A simple conversation about a home warranty can be the difference between: a stressful experience and a confident one And that difference is what builds trust, referrals, and long-term success.

How to Use the 100-Day Buyer Protection Program in Your Real Estate Business https://info.armadillo.one/kale-realty 1. What This Program Is The Armadillo 100 Day Buyer Protection Program provides your buyers with 100 days of home protection coverage after closing. If a major system or appliance fails after the buyer moves in, the repair can be covered. This program is designed to: Protect your clients from unexpected expenses after close. Reduce post-closing disputes. Provide additional value as part of your agent services suite. Important:  This is not about selling a warranty. This is about offering buyer protection as part of your professional service. 2. Why This Matters for Agents Many agents receive calls after closing when something breaks in the home. Even when the issue is not your fault, you are often the first person the buyer calls. A home warranty gives your client a solution instead of a problem. Instead of calling you upset, they call the warranty company and the repair gets handled. This helps: Protect your client. Protect your reputation. Reduce post-closing disputes. Create a better client experience. 3. Your Competitive Advantage You can use this program to differentiate yourself from other agents. This positions you as an agent who goes beyond the transaction. For buyers: "I make sure my buyers have protection after closing in case something major breaks." For listings: "We can offer buyer protection on your home, which helps buyers feel more comfortable making an offer." 4. A Better Closing Gift Instead of a traditional closing gift, you can provide 100 days of home protection. Suggested language: "I included 100 days of home protection for you so if something breaks after you move in, you’re covered." This is a memorable and meaningful closing gift that provides real value. 5. When to Talk About Buyer Protection The best time to introduce buyer protection is early in the process. If buyers hear about it early, they are much more likely to activate it. Best times to mention it: Buyer consultation. When an offer is accepted. During the inspection period. During closing preparation. After closing (activation reminder). 6. The 30-Second Script Simple script you can use with buyers: "Our brokerage has a buyer protection program through Armadillo Home Warranty. It covers major systems and appliances for the first 100 days after closing. If something breaks after you move in, the repair can be covered. It’s one of the ways we help protect our clients after the sale." 7. How Buyers Activate Coverage The activation process takes less than 60 seconds and is simple. Buyer receives activation link after closing. Buyer confirms property address. Buyer activates coverage. 8. How Top Agents Use This Program Top agents do not present this as a product — they present it as part of their service. Agents who introduce the program early and position it as client protection see the highest participation rates. Top agents use this program in three main ways: During Buyer Consultations:  They explain that one of the ways they protect their buyers is by making sure they have coverage after closing. During Listing Presentations:  They position buyer protection as a feature that makes their listings more attractive and helps buyers feel more confident making offers. As a Closing Gift:  Instead of a traditional gift, they provide 100 days of home protection and position it as part of their commitment to protecting their clients even after the transaction closes. 9. Frequently Asked Questions Q: Is this the same as homeowners insurance? A: No. Homeowners insurance covers major disasters. A home warranty covers systems and appliances when they break from normal use. Q: Do I have to sell this? A: No. This is a client benefit program you can offer to add value and protection. Q: When should I tell buyers about it? A: As early as possible, ideally during the buyer consultation. Q: What if something breaks after closing? A: The buyer files a claim with the warranty company and the repair is handled through the warranty. 10. Real-World Example Scenarios In each case, the buyer is protected and the agent looks like a hero. Scenario 1:  Furnace fails two weeks after closing — repair covered. Scenario 2:  Water heater leaks one month after closing — replacement covered. Scenario 3:  Refrigerator stops working after move-in — repair or replacement covered. 11. Quick Start Checklist Agents who follow this checklist see the highest participation rates. Mention buyer protection during buyer consultation. Remind buyer after offer is accepted. Mention during inspection period. Remind buyer at closing. Send activation reminder after closing. Agents who follow this checklist will see the highest participation rates.

Preferred Attorney Chicagoland Property Law Mitchell Mancione (t) 773-775-7805 (c) 630-212-4828 Email: mitch@chicagolandpropertylaw.com Preferred Attorney Shvartsman Law Firm Yelena Shvartsman (t) 847-322-4002 Emai: yelena@shvartsmanlaw.com Get a Mortgage Quote A and N Mortgage Services, Inc. Maria W. Kennedy VP of Mortgage Lending (t) 773.305.7088 Email: mariaw@anmtg.com Get a Mortgage Quote A and N Mortgage Services, Inc. Terrence Terrell VP of Mortgage Lending (t) (847) 208-7309 Email: Terrence@anmtg.com Get commission before closing! Rivers Commissions Advance click here . Goosehead insurance Charlie Klenkar – Insurance Broker charlie.klenkar@goosehead.com https://quotes.goosehead.com/?id=005PW00000FumPVYAZ&g=true Call or text anytime: (314)-336-5277 Larry Hines Armadillo Home Warranty 512.653.4148 larry@armadillo.one Kale Armadillo Landing Page

At Kale Realty, we take pride in delivering exceptional service to our brokers and agents, and a crucial part of that commitment is our carefully curated network of vendor partners. Allow us to introduce you to our “Dream Team” – a collection of industry-leading professionals dedicated to making your real estate experience seamless and successful. We would love to see you close all your deals with our in-house title companies. To sign up your attorney to close with our title companies, send their contact information to Risa Weiss. Click here to access our NET SHEET Tool Attorneys: Chicagoland Property Law – Mitch Mancione 630-212-4820 mitch@chicagolandpropertylaw.com www.chicagolandpropertylaw.com Shvartsman Law - Yelena Shvartsman 847-714-0210 Yelena@ShvartsmanLaw.com www.shvartsmanlaw.com Mortgage Lenders: Maria W Kennedy with A & N Mortgage 708-305-7088 mariaw@anmtg.com https://www.anmtg.com/mlo/maria-willging-kennedy   Terrence Terrell with A & N Mortgage 847-208-7309 Terrence@anmtg.com https://www.anmtg.com/mlo/terrence-terrell   Home Warranty: Larry Hines, Armadillo 312-653-4148 larry@armadillo.one www.armadillo.one/kalerealty service 844-471-1800 Armadillo offers Kale agents a free 100 days of coverage, for their buyers and sellers. Website Developer: Rodney Young, Jr. YCS Web Agency (312) 841-7771 ycswebagency.com Inspectors: BrickKickers Andrew Fox- President/CEO andrew@brickkicker.com (800) 469-0514 www.brickkicker.com Michelle Whitmore mwhitmore@kalerealty.com (219) 218-2742 Movers Movetastic Pete Horvath pete@move-tastic.com https://www.move-tastic.com/ 773-715-3227 Insurance Goose Head Insurance Charlie Klenkar (314)-336-5277 charlie.klenkar@goosehead.com

Choose the Level of Support That Fits You Buying a home is more than finding a property—it’s about having the right strategy, guidance, and protection every step of the way. I offer three levels of service depending on how much support you want throughout the process: FIDUCIARY (FOUNDATION) For experienced buyers who want professional representation 💰 Flat Fee: $____ ✔ Representation & negotiation✔ Offer preparation & submission✔ Contract guidance & compliance✔ Access to listings + showings✔ Transaction support through closing ESSENTIAL (MOST POPULAR) ⭐ For buyers who want structure, strategy, and full support 💰 ___% Everything in Fiduciary, PLUS: ✔ Buyer consultation + needs analysis✔ Personalized home search strategy✔ Market insights + pricing guidance✔ Negotiation strategy & offer positioning✔ Inspection & appraisal support✔ Vendor referrals (lender, attorney, inspector)✔ Ongoing communication & guidance CONCIERGE (ALL-STAR EXPERIENCE) For buyers who want a seamless, high-touch experience 💰 ___%+ Everything in Essential, PLUS: ✨ Off-market & network opportunities✨ Property previews (when needed)✨ Advanced negotiation strategy✨ Priority scheduling + access✨ Home warranty✨ Pre-move cleaning coordination✨ Rekey service✨ Utility transfer assistance✨ Full closing coordination WHAT I HANDLE FOR YOU 🔍 SEARCH & DISCOVERY Customized home search MLS alerts + off-market opportunities Property research & showings 💬 STRATEGY & NEGOTIATION Pricing strategy + market analysis Offer writing + positioning Multiple offer strategies 📄 CONTRACT TO CLOSE Contract timelines & compliance Inspection + appraisal coordination Vendor communication Closing preparation 🛡 PROTECTION & GUIDANCE Fiduciary representation Disclosure review Risk management (fraud, title, insurance) Advocacy throughout the process 🎯 MY COMMITMENT TO YOU No matter which level you choose, my role is to: ✔ Protect your interests✔ Help you make confident decisions✔ Negotiate the best possible outcome✔ Guide you from first showing to closing 👉 NEXT STEP Let’s choose the level of support that best fits your goals and how you like to work.