Disclaimers

Property Use, Investment and Financial Disclosures

Informational Purposes Only

All property information, financial calculations, layout evaluations, and discussions of potential residential or business uses presented on OurHome123.com are provided solely for general informational and educational purposes.

Potential uses may include, but are not limited to:

• Residential Care Facilities for the Elderly (RCFEs)
• Assisted-living or board-and-care operations
• Group homes
• Family child care homes
• Cottage food operations
• Home kitchens
• Rental or other income-producing uses

The identification or discussion of a potential use does not represent confirmation that the property is suitable, approved, licensed, or legally permitted for that use.

No Investment or Income Guarantees

OurHome123, NextHome Grandview, and Shota Mkrtumyan make no promise, representation, warranty, or guarantee, express or implied, concerning:

• Rental or business income
• Occupancy or vacancy rates
• Property appreciation
• Operating expenses
• Licensing approval
• Business profitability
• Investment performance
• Financial returns

Real estate ownership and investment involve financial and operational risks, including the possible loss of principal. Past performance, market activity, property projections, and hypothetical examples do not guarantee future results.

Independent Verification Required

The feasibility of any proposed property use may be affected by zoning, land-use restrictions, building and safety requirements, licensing standards, permitting requirements, occupancy limits, fire and accessibility regulations, recorded restrictions, and homeowners association rules.

Requirements may vary by property and jurisdiction and may change over time.

Buyers, sellers, investors, tenants, and business operators are responsible for conducting their own due diligence and independently verifying an intended use with the appropriate government agencies and qualified professionals before purchasing, leasing, improving, financing, or operating from a property.

Depending on the proposed use, consultation may be needed with:

• Attorneys
• Tax professionals
• Accountants
• Lenders
• Insurance professionals
• Architects and engineers
• Contractors
• Land-use and zoning consultants
• Licensing agencies
• Local planning, building, fire, and health departments

Neither Shota Mkrtumyan nor NextHome Grandview guarantees that any property will receive the approvals, permits, licenses, financing, insurance, or governmental authorization required for a proposed use.

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Guaranteed-Sale Program Disclosure

“Sold Within Six Months or I’ll Buy It”

The guaranteed-sale program is an optional program available only to qualifying sellers and qualifying properties. Participation requires the seller to enter into a written exclusive right-to-sell listing agreement with Shota Mkrtumyan through NextHome Grandview for a minimum uninterrupted period of six consecutive months.

The program is subject to a separate written Guaranteed Purchase and Sale Agreement that establishes all qualifications, exclusions, responsibilities, pricing provisions, deadlines, and other material terms.

Guaranteed Purchase Price

The guaranteed purchase price will not necessarily equal the seller’s original asking price, preferred selling price, prior purchase price, outstanding mortgage balance, or estimated property value.

The purchase price will be established according to the valuation procedures stated in the written program agreement. The evaluation may consider:

• Recent verified closed sales of reasonably comparable properties
• Property location and neighborhood characteristics
• Gross living area
• Lot size and utility
• Age, design, and structural layout
• Interior and exterior condition
• Deferred maintenance and required repairs
• Permitted and unpermitted improvements
• Structural, foundation, environmental, or title concerns
• Current inventory, buyer demand, and local market conditions

Adjustments may be made for material differences between the subject property and comparable sales.

Seller Responsibilities

To remain eligible, sellers may be required to cooperate with reasonable pricing recommendations, property-access requirements, showing procedures, staging or preparation recommendations, disclosure obligations, and other conditions stated in the written program agreement.

Failure to comply with the written program requirements may result in cancellation or loss of eligibility.

Property Exclusions

Certain properties may be excluded, including properties with:

• Unpermitted construction or conversions
• Significant structural or foundation defects
• Hazardous or environmental conditions
• Unresolved title defects or liens
• Material disclosure issues
• Access or occupancy restrictions
• Conditions that prevent conventional financing, insurance, or resale

Additional exclusions and qualifications may apply.

A complete copy of the Guaranteed Purchase and Sale Agreement will be provided to an interested seller upon request and before enrollment in the program. No guaranteed purchase obligation exists unless all required agreements have been fully executed and all program conditions have been satisfied.

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Moving-Cost Assistance Disclosure

Up to $5,000 Toward Moving Costs

Moving-cost assistance is available only in connection with qualifying transactions and is subject to written terms, eligibility requirements, brokerage approval, and applicable law.

Unless otherwise stated in a fully executed written agreement, the assistance will be provided as a non-cash, non-refundable credit through escrow at the successful closing of the qualifying transaction.

The actual credit may be based on factors including:

• The final sales price
• The commission received at closing
• The structure of the transaction
• Applicable lender requirements
• Closing-cost limitations
• Brokerage approval
• Legal and regulatory restrictions

The credit will not exceed $5,000 and has no cash value outside the completed transaction. It cannot be redeemed for cash, transferred, or paid before closing.

Any credit must be disclosed in the transaction documents and may require approval from the buyer’s lender, escrow holder, brokerage, or other parties. Some loan programs or transaction structures may limit or prohibit the credit.

Not every client, property, or transaction will qualify.

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Home-Value Review Disclosure

Any complimentary home-value review, comparative market analysis, estimated market position, or broker price opinion is prepared for general real estate consultation and marketing purposes.

It is based on available property information, market data, comparable sales, property condition, and professional judgment at the time it is prepared.

It is not a certified appraisal and should not be relied upon as a substitute for an appraisal performed by a licensed or certified real estate appraiser.

Actual market value and final sales price may vary based on property condition, buyer demand, financing, inspections, appraisals, negotiations, market changes, and other factors.

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Mortgage Pressure and Financial Distress Disclosure

Educational Information Only

Information provided on OurHome123.com concerning mortgage payments, missed payments, lender notices, foreclosure risk, home equity, property sales, and financial hardship is provided solely for general educational and informational purposes.

Shota Mkrtumyan and NextHome Grandview provide real estate brokerage services. They are not acting as:

• Attorneys
• Certified public accountants
• Tax advisors
• Financial advisors
• Mortgage lenders
• Credit-repair organizations
• Foreclosure consultants
• Loan-modification specialists

A real estate consultation is not a substitute for personalized legal, tax, lending, housing, or financial advice.

No Foreclosure-Relief Guarantee

Nothing on this website constitutes a promise or guarantee to stop, delay, avoid, or prevent:

• Foreclosure proceedings
• A notice of default
• A trustee sale
• Lender repossession
• Late fees or penalties
• Damage to credit
• Tax consequences
• A deficiency judgment
• Any other lender or legal action

OurHome123 does not represent that selling a property will resolve every financial, legal, tax, or credit-related issue.

OurHome123 does not charge an advance fee to stop a foreclosure, negotiate a loan modification, or provide credit-repair services.

Homeowners experiencing financial hardship should promptly consult qualified professionals, which may include a California real estate attorney, tax professional, lender, loan servicer, or HUD-approved housing counselor.

Equity and Market Estimates

Any discussion of property equity, estimated proceeds, market value, or potential selling price is based on the information available at the time of the evaluation.

Actual results may be affected by:

• Current mortgage balances
• Liens and judgments
• Property taxes
• Closing costs
• Commissions
• Repair expenses
• Escrow and title charges
• Market conditions
• Property condition
• Buyer negotiations
• Lender requirements

No estimated value, equity calculation, or projected net proceeds are guaranteed.

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Third-Party Professionals and Resources

OurHome123 may provide information about or referrals to third-party professionals, vendors, lenders, contractors, inspectors, attorneys, architects, engineers, escrow companies, title companies, licensing consultants, or other service providers.

Unless expressly disclosed otherwise, these providers are independent third parties and are not employees, agents, partners, or representatives of OurHome123, Shota Mkrtumyan, or NextHome Grandview.

Visitors and clients are responsible for independently evaluating and selecting any third-party provider. No guarantee is made concerning a provider’s services, qualifications, availability, pricing, advice, performance, or results.

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General Real Estate Disclosure

Real estate information presented on this website is believed to be reliable but is not guaranteed and may change without notice.

Property availability, pricing, incentives, programs, market data, financing terms, and promotional offers are subject to change, withdrawal, eligibility requirements, written agreements, and applicable laws.

Nothing on this website creates an agency relationship, contractual obligation, fiduciary relationship, guaranteed purchase obligation, or entitlement to a promotion unless established through a fully executed written agreement.

Promotional programs are subject to eligibility requirements, written terms, brokerage approval, and applicable law. Not all clients, properties, or transactions qualify.

Shota Mkrtumyan, REALTOR®
DRE #02277759
NextHome Grandview