lifestyle Concierge Real Estate to Fit Your
THE JACCI GROUP IS PROUDLY RECOGNIZED BY THE HOUSTON BUSINESS JOURNAL AND REALTRENDS 2023 AS A TOP REAL ESTATE TEAM
WHO WE ARE
MEET OUR DEDICATED TEAM The Jacci Group
The Jacci Group is a dynamic North Houston real estate team, delivering customized concierge-style real estate service and unparalleled expertise. With more than 25 years' experience, this well-rounded team excels at the business of real estate, but it's their hands-on, personalized guidance that makes all the difference for buyers and sellers. Specializing in The Woodlands and surrounding areas — including Spring, Tomball, Conroe, Magnolia, Montgomery and Lake Conroe — the Jacci Group offers sound real estate advice so that clients can exceed both lifestyle and financial objectives. Team members work hard to educate and empower everyone, from first-timers to seasoned investors. It's this kind of individualized attention that has earned the team numerous industry accolades, including being ranked a Top Luxury Real Estate Team by the Houston Business Journal and featured on RealTrend's 2023 List of Top Small Teams in Texas. More importantly, it's an approach that's garnered decades of enthusiastic recommendations from a loyal clientele. The Jacci Group is proud to be recognized as a Founding Compass Team in The Woodlands.
WHO WE ARE
TEAM LEADER & FOUNDER Jacci Kilgore is the president of the Jacci Group at Compass — a powerhouse collective focused on savvy negotiations and unparalleled attention to detail. She began her professional life as a securities broker and financial advisor, which allowed her to transition seamlessly into the role of a skilled real estate guide. She's earned an impressive number of industry certifications, including the Graduate, Realtor Institute (GRI) designation, that demonstrates her commitment to perfecting her real estate acumen. Jacci bought her first house when she was just 19 years old, so she also brings a wealth of personal, practical experience as an owner and investor. It's no surprise her success has been recognized with a long list of accolades, including being named a Top Luxury Real Estate Team by the Houston Business Journal and included on RealTrend's 2023 List of Top Small Teams in Texas. Get to Know Jacci
jacci@jacci.com 832.771.7400 www.jacci.com
To give real service, you must add something which cannot be bought or measured with money, and that is sincerity and integrity.
JACCI KILGORE
WHO WE ARE
MEET YOUR REAL ESTATE CONCIERGE Seamless Transactions
A graduate of the esteemed Mays School of Business at Texas A&M, Lauren has enjoyed great success in the residential construction industry where she's spent more than 7 years in a variety of roles from planning and development to design and sales. It's this broad base of experience, coupled with a keen eye for detail and a warm personality that makes her a perfect fit to support both our team agents and our clients through the buying and selling process. Lauren is very passionate and understanding about the variety of lifestyles and goals each individual has when it comes to buying and selling of properties. She understands that every customer and their needs are different. She appreciates that real estate is an ever-changing environment.
LAUREN EBERHART Operations Manager lauren@jacci.com 936.689.8815 www.jacci.com
CL I ENT RELAT IONS
TRANSACTION COORDINATOR
CONC I ERGE SERV I CE
WHO WE ARE
Raving Testimonials KIND WORDS FROM OUR HAPPY CLIENTS
“My husband and I purchased our home in Texas while we were in Illinois. My family toured the home and Jacci was so kind to them and answered all their questions. She spoke with us on the phone often as we went through the purchase process. Her expertise and knowledge of Texas real estate was invaluable to us. We are so happy with our home choice and thankful for Jacci’s help. And the lovely house warming gifts were so appreciated as well.”
“The Jacci Group has excellent market knowledge and insight into the local trends that may impact your real estate investment. They use their construction knowledge to point out problem areas and offer guidance on repairs and/or renovation ideas and resources. The personal attention offered by Jacci and her team demonstrate that you are entering into a long term professional relationship that will extend beyond the initial transaction.”
JOHN & LINDA
ALAN & DANA
23 DANBY PLACE
170 E LANSDOWNE CIRCLE
WHO WE ARE
INTERFAITH OF THE WOODLANDS, INTERFAITH COMMUNITY CLINIC OF THE WOODLANDS, DRESS FOR SUCCESS HOUSTON, HOUSTON FOOD BANK, MONTGOMERY COUNTY FOOD BANK, MONTGOMERY MEALS ON WHEELS, CHILDREN'S BOOKS ON WHEELS, CONROE ISD, MONTGOMERY ISD, MONTGOMERY COUNTY ANIMAL SHELTER, JUNIOR LEAGUE OF THE WOODLANDS Giving back to our beloved community is something very important to our team - both professionally and personally. We are passionate about creating opportunities to help those around us. Over the years, our team has prioritized volunteering at local charities, collecting goods for those in need, hosting events that benefit the underserved and at Compass, every transaction will contribute to a donation in your community. Listed below are just a handful of non-profit organizations that we collaborate with: GIVING BACK WITH EACH TRANSACTION Uplifting Our Community
THE JACCI GROUP
The Woodlands area is one of the most desirable real estate markets, and I know that navigating the buying process can seem challenging. However, with my expertise, breadth of knowledge, and national network, you are in dedicated and trustworthy hands. I will guide and advise you during every step of the buying process.
How I support buyers:
Provide real-time market insights Use my knowledge of on and off market listings to fnd homes that meet your criteria Share local expertise and tours of the area Help build your "buyers team" by connecting you with trusted fnancing organizations, vendors, etc In a competitive market, I can help get your offer accepted
PROVEN SUCCESS
“The Jacci Group went above and beyond every step of the way. As a frst time homebuyer, Jacci Kilgore made the process very streamlined and answered all my questions. She communicated and coordinated with the builder to make sure no detail was overlooked. Highly recommend!”
Let me show you why our team is the right ft for you.
GREATER NORTH HOUSTON SUBURBS
AREAS SERVICED
The Woodlands Spring Magnolia
Tomball Conroe Willis Montgomery
WHO WE SERVE
From frst-time buyers learning the ins and outs of home buying, to the experienced homeowner dealing with their latest transfer, the Jacci Group offers unparalleled personal service, attention, and serious expertise.
WHAT TO EXPECT
THINGS TO EXPECT AND AVOID The Loan Process
Try to Avoid:
10 Questions to Ask your Lender: 1.
Making large cash deposits without documentation Making large purchases on your credit cards Co-signing a loan for anyone Changing bank accounts Applying for new credit cards Gaps in employment
How much can I borrow to buy a home? How much money do I need to put down? What's the interest rate? What's the difference between a fixed- rate and an adjustable-rate mortgage? How many points does the rate include? When can I lock in the interest rate? What are my estimated closing costs? Are there additional costs/fees that I should know about? Can you estimate when closing will be? What could delay my closing?
2. 3. 4.
5. 6. 7. 8.
Do's & Don'ts
Don’t Change Jobs Don’t Make Major Purchases Don’t Cancel your credit cards Don’t Change Banks Do keep paying your bills Do keep your personal documents handy Do read your disclosures Do Avoid overdraft fees on bank account Stay in touch with your lender!
9. 10.
Expect to:
Submit paystubs Submit bank statements (complete with all pages) Keep copies of all documents submitted to processing Continue to pay all your debt and loans on time Call your loan officer with questions or concerns
THE PROCESS
03
04
01
Submit an Offer and Negotiate
Visit Properties Now is the time to consider your ideal home’s location and amenities. You will attend viewings and open houses spanning a range of areas and property types. Additionally, I will activate notifcations for exclusive Coming Soon and Off-Market properties as they hit the market.
Find your Agent Set up a time to sit down with me to discuss the neighborhoods you’re considering and how I can help guide your search.
Once you identify a home you like, you can put in an offer, which is an agreement to pay a certain price for the home. This offer is packaged with a Proof of Funds (POF) and Pre- Approval Letter. Note: if your offer is lower than the list price or with terms not acceptable to the seller, the seller can return with a counter-offer price or acceptable terms, which you can accept, reject, or make another counter offer. I will provide advice throughout.
02 Before beginning your search, your frst step is to get pre- approved for a mortgage loan (unless you will be paying the full price of your home in cash). I can recommend mortgage brokers. Based on your income and credit history, the mortgage broker will determine how much a bank will lend you, which will help determine the price range for your search. Get Pre-Qualifed
06
Welcome Home! Congratulations! You are now a homeowner. 09 08 Once all the conditions of the contract have been satisfed, the closing is held. The closing documents are signed, payment is exchanged, and you receive the keys to your new home! Closing
Loan and Appraisal
Organize an appraisal with your bank. Your completed mortgage application with all supporting documentation should be submitted to your chosen lender upon receipt of the fully signed Purchase Agreement. The bank then issues loan approval. Consequently, you'll wire the closing funds with the homeowner’s insurance in place, and then the loan will be funded with clearance to close.
05 It is the buyer’s duty to select all desired inspections and determine the overall condition of the property within the agreed timeline and contractual contingencies. You will also review the disclosures and preliminary title report. You may approve or negotiate credits/repairs. Prior to closing, remember to schedule a fnal walk-thru of the property to verify property is still in acceptable condition and any negotiated repairs were done. Home Inspections
07
Final Walkthrough A fnal walkthrough of the property is scheduled and completed just before closing. The walkthrough confrms that no damage has been done to the home since the time of inspection and that the major systems and appliances are in working order.
KEY TERMS
Get a better understanding of common real estate language and practices.
Inspection An expert conducts a formal review of the property to fnd visible issues that need to be repaired. Buyers typically make their offers contingent on an inspection, but sellers can conduct a pre-offer inspection to appeal to buyers. The buyer may choose to do additional inspections like radon and a sewer scope. Lien Search A background check on the property and the seller to ensure there are no outstanding debts or claims upon the property. Pre-Approved Advanced approval from a bank or other lending institution for a home mortgage. Pre-Qualifed Potential buyers provide an overall fnancial picture and mortgage brokers provide an estimate of what level of loan you will likely be pre-approved for. Title Insurance Insurance to protect the buyer and lender against losses arising from disputes over the ownership of a property. Recording Fees A fee paid to the local government to offcially report a sale of a home; usually paid by the buyer.
Appraisal
Debt-to-income ratio
Assessment of the property’s market value, for the purpose of obtaining a mortgage and performed by a licensed appraiser. Assessed Value Value placed upon property for property tax purposes by the tax collector. Closing Costs Expenses incidental to a sale of real estate, such as loan fees, appraisal fees, and title insurance. Certain criteria that have to be met in order to fnalize the sale. Contingency
The percentage of an individual's monthly gross income relative to the amount of debt owed.
Earnest Money Deposit (EMD)
A good faith deposit the buyer makes with an offer to show that you are serious about buying the property. In exchange, the seller agrees to stop marketing the property. Final Walkthrough The buyer reviews the house just before closing to make sure everything is in the same condition and that all home inspection items are fxed.
MY COMPASS TOOLS AND PROGRAMS HELP YOU FIND YOUR NEXT HOME
Collections
Collections lets you compare multiple properties—their size, neighborhood, amenities—within a central visual workspace. I can monitor market activity in real time, stay in constant contact, and invite collaborators to join in on our search discussions.
Search Compass Search can sort by a wide range of features and amenities to pinpoint the perfect home. Plus, discover exclusive Compass listings you won’t fnd anywhere else and receive real- time notifcations of new homes with customized Saved Searches!
What buyer isn’t looking for an edge over the competition? Browse unique properties that are only viewable on Compass.com and discover your future home before it even hits the market. Coming Soon and Private Exclusives
WHAT WE DO
Compass is a coast-to-coast referral network that now covers 45% of the country's population. We have access to the best digital platform to make your buying or selling journey simple and stress-free. We'll formulate the best strategy and guide you through every step of the transaction for a successful real estate experience. Knowledge of a Local Agent POWER OF A NATIONAL NETWORK
$254+ B I LL ION
COMPASS AGENTS IN OVER 350 OFF ICES NATIONWIDE ACROSS OVER 66 MARKETS . * 26K+
2021 GROSS TRANSACTION VALUE . *
Compass is a licensed real estate broker, licensed to do business as Compass RE in Delaware, Idaho, New Jersey, Pennsylvania and Tennessee, Compass Realty Group in Kansas and Missouri, Compass South Carolina, LLC in South Carolina, and Compass Real Estate in Washington, DC., Idaho and Wyoming and abides by Equal Housing Opportunity laws.
WHAT WE DO
The Galerie
COLLECTIONS FOR EVERY LIFESTYLE
Our collection of “lifestyles” have been developed to suit buyers every need. Whether they're an empty-nester wanting to downsize or looking to purchase their first home nearby prominent schools, we work hard to educate and empower everyone.
THERE ARE OVER 100 TASKS THAT YOUR AGENT COMPLETES FOR YOU
UNDERSTANDING THE MARKET 01 Research and review current and recent past market inventory. 02 Monitor the market and listing activity on a daily basis for new listings and updates on already listed properties. 03 Check Compass Coming Soon and Private Exclusive listings to see new- to-market listings exclusive to Compass. 04 Participate in ofce Sales Meetings and network with other agents to understand more about properties coming to market soon. 05 Participate in broker tours to preview properties and network with community agents. 06 Attend public open houses to understand on-market inventory and the activity at the open houses.
PREPARING TO BUY 07 Establish a communication plan that suits the buyers preferences. 08 Share market trends and data with client so they understand the current state of the market. 09 Understand fnancial goals and timeline. 10 Learn goals, needs and preferences on home attributes, locations, schools, etc. 11 Share insight on pricing and availability of preferences in the current market.
12 Suggest pre-approval for a mortgage/lender, if needed. 13 Collect lender commitment or pre-approval letter.
14 Walk client through sample purchase agreement and outline process. 15 Gather client signature on any required agency engagement forms.
REFINING HOME SEARCH
16 Search listings that match client preferences. 17 Set up a Collection of property listings so client has an auto-update of all new and relevant listings. 18 Gather client feedback on listings. 19 Revisit budget or search criteria, if necessary. 20 Curate search and initial showing list. 21 Share updated listings with client as they become available. 22 Monitor relevant listings for changes in price and status. 23 Review client notes on properties in the Collection and understand which homes to remove from consideration.
VIEWING PROPERTIES 24 Understand the client’s availability for seeing homes. 25 Coordinate showings with the client and listing agent. 26 Obtain showing information about the property, including how to access the property. 27 Create and share tour sheets with itinerary and listing information with the client and all showing attendees. 28 Tour listings with client. 29 Understand and accommodate unique client needs for tours. 30 Capture client’s feedback about each property visited. 31 Share the client’s feedback with listing agent. 32 Send client a tour recap email. 33 Contact the listing agent for more information on disclosures and timelines. 34 Understand if the client wants to submit an ofer on a home. 35 Repeat these steps until client is ready to make an ofer. 36 Provide insight to the client as they consider an ofer decision. 37 Create ofer package, including all relevant forms. 38 Collect and add client’s documentation to ofer package. 39 Strategize on how to best position the ofer with regards to terms and conditions. 40 Send ofer package to client for review and signing. PREPARING & PRESENTING AN OFFER
41 Contact listing agent to inform them of the ofer. 42 Submit completed ofer package to the listing agent and confrm receipt.
NEGOTIATING AN OFFER
43 Communicate progress of ofer to client. 44 Review any received counter ofers from seller. 45 Strategize with client on response to counter ofer. 46 Add and fll counter ofer and relevant forms. 47 Send counter ofer package to client for review. 48 Collect all required signatures for counter ofer. 49 Submit completed counter ofer package to listing agent and confrm receipt. 50 Receive executed ofer package from listing agent. 51 Contact client to inform them the ofer was accepted! 52 Provide a list of qualifed home inspectors that service the area. 53 Confrm date and time of inspection with listing agent. 54 Share ofer package with client attorney. 55 Introduce any assistants or brokerage staf who will help with the closing. 56 Send contracts to Title & Escrow. 57 Communicate earnest money, down payment and contingencies with all parties. INITIATING THE TRANSACTION
58 Arrange earnest money delivery. 59 Create closing timeline and transaction overview. 60 Track closing progress and provide regular updates with client. MANAGING CONTINGENCIES & TRANSACTION 61 Review and sign seller disclosures. 62 Ensure funds are submitted to the brokerage and that funding conditions are satisfed. 63 Coordinate inspectors and vendors. 64 Coordinate to remove inspection contingency. 65 Send inspection to Escrow. 66 Run updated title. 67 Confrm with Escrow that all liens in title report have been cleared. 68 Submit homeowners insurance invoice. 69 Confrm client has proof of homeownership. 70 Sign request for contingency removal. 71 Ensure seller contingencies are removed and all contingencies have been cleared.
FILING CLOSING DOCUMENTS
72 Submit closing stage documentation. 73 Prepare and send recording package. 74 Submit transaction-stage documentation to compliance. 75 Ensure documents are recorded.
PREPARING FOR CLOSING
76 Communicate buyer and seller signatures. 77 Verify closing date with Lender and Title company. 78 Confrm closing with Attorney/Title company. 79 Send client’s transaction summary and communicate next steps. 80 Inform client on checks to be made or funds be wired. 81 Send funding packet to lender to confrm wire amount needed to close. 82 Ensure copy of signed closing documents is shared with agent, client, mortgage, etc. 83 Schedule and complete fnal walkthrough. 84 Obtain proof of funds. 85 Send contract to Lenders.
86 Confrm date of Lender certifcation. 87 Obtain closing disclosure from Lender. 88 Send estimated settlement statement to buyer.
89 Ensure estimated Title & Escrow settlement statement is correct. 90 Confrm loan documents have been sent to Title & Escrow.
PRESENTING THE HOME
91 Confrm fnal walk-through date and time with listing agent and client. 92 Coordinate delivery of home keys to buyers. 93 Share utilities guide with client. 94 Remind client to notify utility service about transfer.
95 Remind client to update USPS mailing address. 96 Recommend movers and design/construction vendors, if applicable. AFTER THE CLOSING 97 Keep client in the know about community ongoings and news . 98 Protest and analyze clients property taxes . 99 Update client on market changes that may impact them . 100 Be a resource for personalized vendor recommendations . 101 Invite client to exclusive Jacci Group events throughout the year .
Compass is a licensed real estate broker. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description or measurements (including square footage). This is not intended to solicit property already listed. No fnancial or legal advice provided. Equal Housing Opportunity. Photos may be virtually staged or digitally enhanced and may not refect actual property conditions.
I LOOK FORWARD TO WORKING WITH YOU
The Jacci Group goes above and beyond to help our clients search for their perfect home, providing guidance and advice throughout every step of the buying process. Together, we'll collaborate closely to fnd homes that ft your needs, budget, and lifestyle. Working with me means you'll have a seamless experience and be well positioned to make your dream home yours when you fnd it. We make sure our clients cross the home closing fnish line with confdence and ease.
The Jacci Group (936) 689-8815 / offce (832) 771-7400 / mobile www.jacci.com thejaccigroup@compass.com
Compass is a licensed real estate broker, licensed to do business as Compass RE in Delaware, Idaho, New Jersey, Pennsylvania and Tennessee, Compass Real Estate in Washington, DC, Maine, Vermont, Wyoming and Idaho, Compass Realty Group in Missouri and Kansas, and Compass South Carolina LLC in South Carolina. All material is intended for informational purposes only and is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to the accuracy of any description of measurements (including square footage). This is not intended to solicit property already listed. No fnancial or legal advice provided. Equal Housing Opportunity.
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