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Your Guide to

Home Ownership

Fether Dugan Presents to Ray B

Knowledge, Experience, Professionalism

Dear

Ray B


Buying a home is a rewarding adventure and we're so happy to have the opportunity to bring your real estate dreams to life! In doing so, we aim to instill knowledge and confidence in all our buyers while helping them successfully navigate through every step of the process.

In the following presentation, you’ll be provided an outline of everything you need to know from consultation to handing over the keys. Our mission is to deliver world-class customer service and a winning experience.
Sincerely,

Fether Dugan

- you're in great hands -

Meet

Fether Dugan

REALTOR®
(775) 200-8988
fether@upgradeyourlives.com
Hi, I’m Fether Dugan — Northern Nevada Realtor, Team Captain of Team Stevens at Real Broker LLC, and someone who truly believes that real estate can change lives.

Before real estate, I spent 13 years as Director of Sales and Operations for a local Reno software company. There, I learned how to truly listen, translate client needs into action, and lead projects from concept to completion. These same skills now guide me in helping clients navigate one of the biggest financial and emotional decisions of their lives: buying or selling a home.

Today, I’m proud to have helped over 100 individuals and families find their perfect place to call home — and the journey just keeps getting better. In 2024, I was ranked among the Top 300 Residential Real Estate Agents out of more than 3,500 agents in Northern Nevada, placing me in the Top 10% of all local agents. That same year, I was also named one of the Top 25 Realtors of the Year by the Women’s Council of Realtors — a huge honor that reflects my commitment to service, leadership, and excellence.

May 2025, I was thrilled to be featured as a Rising Star Realtor in Reno Real Producers Magazine — a moment of recognition I’ll never forget. As Team Captain of Team Stevens, I now have the opportunity to not only serve clients, but also coach and support fellow agents as they build businesses they’re proud of. Whether I’m helping a first-time buyer win their dream home or guiding a new agent to their first closing, my mission is simple: empower people to create better lives through real estate.
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Proven Track Record

Service

Provide great customer service by building bonds with clients that lead tolong-term relationships where we truly care about their needs.

Knowledge

By pursuing excellence in our expertise as agents we can better service our clients and lead them to home ownership in a smooth and easy process.

Integrity

Be ethical in all you do and communicate with honesty while paying attention to the details of each and every client, agent, and transaction.
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Market Trends in Reno, NV 89523

Market data as of:
The Market Action Index (MAI) is a literal temperature gauge that shows whether the market favors buyers or sellers.
An MAI of 30 is typically balanced; over 30 is a seller's market, under 30 is a buyer's market.

Buyer markets

Buyers get better deals and more choices when MAI is low.

Seller markets

Sellers can list for higher prices and quicker sales when MAI is high
Market data as of:

View current market trends

Scan the QR code to see the current Market Trends report

Unique Value I Provide My Clients

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★
Customized listing search to find the perfect home.

I Found

Properties For Sale in Reno

Scan the QR code to see all listings
See all Listings
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Professional Network to help your purchase go smoothly

Professional Network

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Market insights as a result of my recent sales in your area

My Recent Sales in the Reno, NV 89523 area!

My sales activity in your desired search area will directly benefit you due to my market knowledge, negotiating prowess, and insights into local activity!
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Exceptional reviews that reflect a pattern of excellence with my past clients.

Raving Reviews

Best home buying experience! As first time homebuyers, there are so many questions, unknowns, and things to navigate--Fether was right there, every step of the way. With her expert knowledge, ability to go to bat for us when sellers were difficult, and understanding of what our future home vision, Fether made the process as painless as possible. Friendly, genuine, and considerate, Fether is simply the best realtor in Reno area.
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Fether was an incredible realtor to work with for the purchase of our first house! We bought our house through a probate sale which was a daunting and confusing process, but Fether made us feel so comfortable and informed throughout. She was so communicative and always made us feel like a priority, and she was even able to do some negotiating even on an "as-is" sale. She has also recommended a few great local businesses to work with as we do some necessary repairs to the property. We love our home and could not have made it through this process without Fether's guidance! Thank you Fether!!
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Fether did an amazing job selling my condo. She was very professional and friendly. The house was staged beautifully and she went above and beyond by promoting the property on social media. Fether was always quick to answer any questions and was able to get me the best deal possible.
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Working with Fether was an absolute pleasure from start to finish! Her communication was always prompt, clear, and reassuring—keeping us informed every step of the way. She showed incredible patience throughout the selling process, answering every question and easing all our concerns.What really stood out was Fether’s negotiation skills. She fought hard to get us the best possible outcome and made sure our interests were protected at every turn. On top of that, Fether went above and beyond with staging our home, offering thoughtful suggestions that truly elevated the space.The marketing collateral Fether provided was next-level—stunning professional photos, premium video tours, and a strong presence across social media that brought in so much interest during a slower time in the market. We were blown away by how polished and high-end everything looked.If you're looking for a dedicated, savvy, and truly full-service real estate professional, look no further. Highly recommend!
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Fether is an amazing realtor and an amazing person. She not only represented us as buyers but also represented the sellers of the home we purchased. She covered every single base and answered every single silly question that we had with expertise and eloquence. This woman is wonderful and absolutely the best realtor we have ever dealt with in 4 years of house hunting. She went above and beyond to assure that we were happy in our new home. Fether is simply Awesome!!! *****
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I am very happy that I got the opportunity to work with Fether. She is very knowledgeable and helped me out every step of the way. I was connected to Fether through Zillow and from the very beginning she was on top of everything. Anytime I contacted her she would respond quickly and anytime I wanted to see a new home, she set up a viewing as soon as she could. She would check on everything to identify any potential issues and she was very transparent when going over all the aspects of the homes. When it came to making my offer, she explained to me what would be a strong offer based on the asking price and other incentives and it was accepted very quickly. This was my first time buying a home and she made the entire process feel easy and comfortable. I would recommend Fether to anyone looking for a realtor!!
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We were more than happy with Fether. From her responsiveness and local knowledge to her negotiation skills, she provided excellant care to us while we shopped and shopped for our dream home. We found it with her guidence and support . Plus, she's fun to be around! We HIGHLY recommend.
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Feather made buying my house a painless process. She asked about what I was looking for and my budget and suggested places that stayed within that. I also sent her links to a lot of houses and she scheduled all the showings. Every time we did a walk through. She was honest and pointed out pros and cons and things I honestly had no idea to look for. When I found my house, she was able to go in and negotiate a great deal for me. She was in constant contact with me throughout the whole process and answered all of my questions. She was there when I signed my final papers to make sure everything was in order. I seriously cannot recommend Feather more!
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Fether was amazing! Thanks to her my husband and I were able to buy our very first home. I can tell she really loves her job and does everything to help get a good deal. Definitely will recommend
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Fether did an outstanding job selling my home. She kept me appraised throughout the process, was thorough, responsive, and most importantly easy to work with. I would highly recommend using Fether to sell your home, or to buy a home.
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Review has been shortened using AI, click the review to read the full review.

Review has been shortened using AI.

Loyalty

This custom presentation that I’ve shared with you is an example of the care and effort I put into each of my best clients. I recognize that real estate transactions are one of the largest financial transactions of your life and it deserves careful consideration and wise planning. In light of this, you should feel strongly that mutual respect and understanding are key components of hiring me to help you accomplish real results starting right away.

Reviewing each other’s roles and responsibilities as we embark on the next steps together is how we can decide if we are ready to move forward together.

Processes

1

Consultation

We’ll sit down together and help you determine your needs wants and goals while offering my personal industry expertise and strategies for bringing your vision to life.
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2

Pre-Approval

Getting pre-approved will help you know exactly what you can afford so you can confidently focus on the right homes. Plus, it shows sellers you’re serious, giving you an edge when making an offer.
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3

Property tours

After you have reviewed and selected which homes you want to tour, we get to go shopping! This is where you can start figuring out what you really want in your new home.
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4

Write offer

Once we find the home of your dreams, we'll submit an official offer - including but not limited to sale price, inspection contingencies, and closing costs. The seller then has time to accept, reject, or counter your offer.
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5

Under Contract or Escrow

With your offer accepted, we enter a 30-day Escrow period. This involves a neutral third party company that holds funds while conducting a thorough underwriting process to ensure all aspects of the contract are upheld properly
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6

Appraisal

The appraisal is ordered by your lender to protect their investment. They have their own checklist of things they look at for the final approval to move forward. The appraiser can demand repairs completed by the seller before they will give their approval.
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7

Inspections

Now that you've found your home we need to order the inspection. The inspection will let you know what repairs are needed, some are minor and some may be safety issues. Don't worry, you are still protected.
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8

Closing

Congratulations! You now own a home and can get moved in. It's time to celebrate and have your housewarming and show off your home. We will be standing by to answer any questions you may have about home-ownership and have a list of contractors if the need arises.
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105 More Ways

Agents Who Are Realtors ® Are Worth Every Penny Of Their Compensation.

Here’s a look at all the things – big and small – that a REALTOR ® may do to help clients when buying a home.

Counseling Session Activities

  • Prepare the buyer for executing a buyer representation agreement
  • Explain agency relationships to the buyer and get state required legal consent to represent, if needed
  • Inform the buyer of working relationship based on state law, the REALTORS® Code of Ethics, and the broker’s business policies

Building a Relationship

  • Learn the buyer’s wants and non-negotiable needs
  • Understand the buyer’s budget and what will be needed financially
  • Help the buyer understand what property their chosen budget will buy
  • Consider having the buyer fill out a homebuyer’s checklist
  • Assist the buyer in examining how much they can afford to spend
  • Provide quality lender resources
  • Partner with the buyer to locate suitable properties for consideration
  • Match the buyer’s needs with available property
  • Constantly re-evaluate buyer’s needs and refocus property showings to fit those needs
  • After ensuring the buyer understands what is done for them, how it is done,and the benefit to them, obtain signatures on the buyer representation agreement
  • Explain how compensation is paid, who pays it, and what the buyer’s options are for paying it

Educating the Buyer

  • Communicate the working relationship based on state law, the REALTORS® Code of Ethics, and the broker’s business policies
  • Explain Federal and State Fair Housing laws
  • Explain what to look for in applicable property disclosures
  • Reassure the buyer that their personal information will remain confidential
  • Inform the buyer that you will always disclose all known material defects
  • In accordance with state law, provide information on checking the sex-offender registry and crime statistics for the neighborhood
  • Discuss available resources that the buyer can check to learn more about prospective neighborhoods
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REALTORS® are members of the National Association of REALTORS®

Preparing the Buyer

  • Explain the timeline for house hunting, mortgage approval, and closing
  • Explain the local market and how it impacts the buyer
  • Show statistics on what percentage of list price sellers in the area are currentlyreceiving
  • Inform the buyer on what home features are popular
  • Identify current average days on market
  • Share the dangers of using the price per square foot to figure home values
  • Explain the concept of absorption rate and how it impacts the buying process
  • Indicate current listing months of market inventory
  • Share estimated potential out-of-pocket costs to complete the transaction
  • Assist the buyer in analyzing the loan estimates
  • Qualify the buyer for financial ability to purchase
  • Help the buyer account for the complete costs of homeownership
  • Prepare lender for listing agent calls
  • Assist in comparing different financing options
  • Help the buyer select for viewing only those homes that fit their needs
  • Proceed in showing homes that fit the buyer’s must-haves
  • Caution the buyer on posting information to social media
  • Review the sample sales contract so the buyer is prepared when it comes time to make an offer

Showing Properties

  • Schedule showings and provide access to all listed properties as soon as they become available in their local MLS broker marketplaces
  • Educate the buyer on the immediacy of new listings appearing in their local MLS broker marketplaces and the lag time for them to appear on some websites
  • Collaborate with the buyer on properties they may have learned about through their sphere contacts
  • Research and assist on all unlisted properties the buyer wishes to see
  • Preview properties prior to showing if needed
  • Network with other agents to source properties not yet in their local MLS broker marketplaces
  • Contact homeowners in focus areas to see if they are considering selling
  • Set up an automated email alert system through their local MLS broker marketplaces that immediately notifies the buyer of properties that fit discussed requirements
  • Arrange a tour of areas, schools, and key points of interest
  • Provide resources containing neighborhood information on municipal services,schools, etc.
  • Inform the buyer of negative aspects like nearby venues or operations that may result in issues that could impact value
  • Collect and share any other vital information on available homes, remembering to follow all fair housing laws at all times
  • Check applicable zoning and building restrictions
  • Help the buyer decipher public property and tax information
  • Collect and share pertinent data on values, taxes, utility costs, etc.
  • Compare each property shown to the buyer’s wants and needs list and remind them of what they were looking for
  • Help the buyer narrow the search until the buyer identifies top choices

Negotiating Offers

  • Assist the buyer in getting the best property at the best price
  • Suggest that the buyer learn more about the neighborhood prior to makingan offer
  • Prepare a comparative market analysis (CMA) in advance of making an offer
  • Prepare the buyer to have the most attractive offer in the current marketplace
  • Explain common contract contingencies and include approved protective clauses in the purchase offer
  • Ensure that the buyer receives and understands all state and federally-required disclosure forms
  • Prioritize contract negotiation goals with the buyer
  • Help create a negotiating strategy
  • Use strategies such as an escalation clause to maintain a competitive offer
  • Prepare the buyer for a multiple offer situation and develop negotiation strategies
  • Write an offer that has a reasonable chance of being accepted
  • Recommend optional contingencies and explain the pros and cons of using them
  • Provide information on purchasing incentives that may be available
  • Discuss financing alternatives
  • Negotiate the buyer’s offers to arrive at the best price and terms
  • Utilize hyperlocal expertise and strong communication skills to assist the buyer in being the successful offer

Advocating for the Buyer and Facilitating the Close (Part 1/2)

  • Advocate for the buyer throughout the entire process
  • Encourage the buyer to fully investigate their options in terms of a home inspector, title company, appraiser, mortgage lender, and other services
  • Present a list of the types of required and optional inspections such as environmental, roofing, and mold
  • Review and discuss home inspection concerns
  • Negotiate repair requests from home inspection
  • Guide the buyer on meeting all contract deadlines
  • Assist in coordinating communications
  • Advise the buyer to review the settlement statement
  • Inform clients that they need to transfer utilities to the new residence
  • Schedule final walkthrough
  • Accompany the buyer on the walkthrough
  • Assist the buyer in questioning the appraisal report if it affects the financing
  • Confirm clear-to-close with the lender
  • Ensure all parties have all forms and information needed to close the sale
  • Remind the buyer of the location where the closing will be held
  • Confirm the closing date and time, and notify parties if there are changes
  • Gather all required forms and documents for closing
  • Explain flood insurance to the buyer
  • Explain title insurance to the buyer and refer to qualified insurance broker
  • Order any surveys needed

Advocating for the Buyer and Facilitating the Close (Part 2/2)

  • Order the appraisal
  • Order the title search
  • Confirm the status of the loan funding
  • Check addendums and alterations for agreed terms
  • Review the buyer’s closing statement to ensure accuracy
  • Explain wire fraud risks and remind clients to verify all wiring instructions before transferring funds
  • Double-check all tax, homeowners’ association dues, utility, and applicable prorations, if relevant
  • Request final closing figures from the closing agent (often an attorney ortitle company)
  • Receive and carefully review closing figures to ensure accuracy
  • Receive and carefully review title insurance commitment with the buyer
  • Advise the buyer to re-key their locks and to consider a one-time cleaning service or landscaping before moving day
  • Review documents with the closing agent (attorney)
  • Support the buyer in any final closing activities
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Actual services provided will depend on the needs of the buyer and the transaction –not all 105 things will need to be done in every transaction.

Featured content from the Center for REALTOR® Development’s Accredited Buyer’s Representative (ABR®) Designation Course. Visit crd.realtor to learn more.
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What buyers need to know about the
National Association of Realtors (NAR) changes.

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Starting August 17th, 2024

It is required to complete and sign a written agreement before showing a home. This applies to buyers requiring the services of any licensed agent in the U.S. to visit a property.
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By Signing the Agreement to Partner with an Agent

Our agent is dedicated to you and committed to finding a home that meets your needs.
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With a proven track record

We have the knowledge and experience to be the BEST asset in your real estate endeavors.

Signing a Buyers Broker Agreement or BBA

  • This is an agreement to engage with a professional real estate agent to consult, show homes, negotiate contracts, and advocate.
  • It will establish the length of the agreement
  • It shows the agent/broker's services and responsibilities
  • It explains the agreement's exclusivity between Broker and client, what fees are owed for services rendered, and how to terminate the agreement. It mentions additional fees if the buyer signs with more than one agent.
  • It provides a clear explanation of the various ways an agent can be compensated for their services to the Buyer.
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Real Estate Expert

Fether Dugan

REALTOR® | S.0190147

fether@upgradeyourlives.com | (775) 200-8988

Let's Chat.

I'm sure you have questions and thoughts about the real estate process. I'd love to talk with you about what you've read here and help you along this path.
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www.renoliferealestate.com/team/fether-dugan
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Thank you!

In everything we do, we are driven to help others, because behind every transaction there is a vision, a goal, a dream waiting to come to life. In doing so, we bring our expertise, our instincts from years of experience, and our complete dedication to you.

This is only the beginning of an exciting journey to a bright and shining new future. And it's only the beginning of our commitment to servicing your every real estate need. Thank you for the opportunity to help you!
We'll be right there with you, every step of the way.