1 Table of contents 20

Kelly - Buyer Guide

HOME		1
PRESENTED BY:		1
KELLY WALTERS Lead Agent NCRE# 188247		2
Expertise. Talent. Professionalism.		2
Licenses & Designations		2
2001—NC Real Estate Broker License 2005—REALTOR® Designation 2008—Certified Distressed Property Expert 2016—NC Real Estate Broker-In-Charge License 2016— NC Real Estate Firm License # C27634		2
Experience		2
November 2005 to Present—Keller Williams ONE		2
2008—2014 Team Leung at KW		2
2014 to Present—Kelly Walters REALTOR®		2
2016 -2018—Associate Leadership Council Bold Graduate - 2008, 2015, 2016, 2019, 2020		2
Accreditations		2
2015 - 2024 Keller Williams Capper's Club 2018 & 2019 "Red Shoe Award" Recipient 2021 Top Individual Award Top 10% Market Share 2020-2024		2
Thank you for the opportunity to represent you in the purchase of your new home. I think of my clients as individuals with specific needs. With this in mind, my team and I strive to give you exceptional service. In response to the more challenging market, we have experienced over the years, we have become more determined and assertive with marketing and technology. This has allowed us to be highly successful in securing results for our clients.		3
This is absolutely the very best time to be a buyer. Timing is everything and here are 3 reasons to confirm your decision to buy:		3
The first step to purchasing a home is to select the right Realtor to effectively and profitably represent your interests. Thank you for the privilege of allowing one of my professional team members to show you the best possible listings available.		3
We are prepared to answer all your questions and handle your purchase professionally and successfully.		3
Sincerely,		3
MEET THE TEAM		4
Rachel Baker (336)547-6537 admin@kellywalters.com		4
Julius Nephi Julito kellywalters.va@gmail.com		4
Deanna Flowers (336)706-6328 soldonstaging123@gmail.com		4
PREFERRED PARTNERS		5
TRACY RICH		5
SENIOR MORTGAGE LOAN OFFICER		5
UHM NMLS #2229 LO NMLS #70494 NC I-179468		5
(336)689-5301 trich@uhm.com		5
JASON MOSS CLOSING ATTORNEY		5
(336)660-0235 closings@mosswoodslaw.com		5
DARCY HUNTER INSURANCE AGENT		5
(336)633-8747 darcy.hunter@ncfbins.com		5
"LET ME TAKE CARE OF IT!"		6
WHAT I DO		6
There are many components to buying a home.		6
My team will coordinate & manage each of them so you can focus on your move!		6
WHAT YOU DO		6
THE PROCESS OF BUYING A HOME		7
PHASE I		7
PHASE II		7
PHASE III		7
Get Pre-approved		7
Initial consultation		7
Start Shopping		7
Schedule Showings		7
Preparing an offer		7
Contract Coordination		7
Due Diligence Period		7
Closing		7
GETTING PREAPPROVED		8
REVIEW CREDIT REPORT		8
EXPLORE LOAN PROGRAMS		8
DETERMINE PRICE RANGE		8
SET YOUR BUDGET		8
To find the best mortgage lender, you need to shop around. Consider different options like your bank, local credit union, online lenders and more. Ask about rates, loan terms, down payment requirements, mortgage insurance, closing cost and fees of all kinds, and compare these details on every offer.		8
INCOME QUALIFICATIONS		8
QUALIFYING INCOME		8
NON-QUALIFYING INCOME		8
NEEDED DOCUMENTS		8
W2’S FROM THE PAST 2 YEARS 3 MONTHS WORTH OF PAY-STUBS BANK STATEMENTS (PAST 3 MONTHS) PREVIOUS 2 YEARS OF TAX RETURNS LIST OF YOUR DEBTS & ASSETS DIVORCE DECREE ADDITIONAL INCOME DOCUMENTS		8
TYPES OF		9
MORTGAGE LOANS		9
TYPES OF LOANS		9
WHO QUALIFIES		9
DOWN PAYMENT		9
UPFRONT MORTGAGE INSURANCE		9
MONTHLY MORTGAGE INSURANCE		9
MINIMUM CREDIT SCORE		9
NONE		9
NONE		9
NONE		9
NONE		9
REQUIRED		9
REQUIRED		9
REQUIRED		9
CONVENTIONAL		9
NONE		9
REQUIRED		9
OTHER LOAN PROGRAMS MAY BE AVAILABLE		9
BUYER CONSULTATION		10
We have a few goals for our meeting:		10
ESTABLISH AGENCY		10
DETERMINE SEARCH CRITERIA & BUDGET		10
SET EXPECTATIONS FOR FINDING & VIEWING HOMES		10
REVIEW OFFER TERMS AND CONTRACT PROCESS		10
You have several choices as to how you want a real estate firm and its agents to work with you. You may want them to represent-		10
only you (buyer agent)		10
both you and the seller at the same time (dual agent)		10
only the seller (seller’s agent/subagent)		10
Some agents will offer you a choice of these services. Others may not.		10
FAQ:		10
START HOME SHOPPING		11
Drive by the homes you like:		11
Some things to keep in mind when scheduling a home tour:		11
OFFERS		12
In this market, sellers often have several offers to choose from. Price is just one of their considerations. Here are some of the other factors that matter.		12
PRE-APPROVAL		12
LOAN TYPE		12
ALL CASH BUYER		12
DUE DILIGENCE PERIOD		12
DUE DILIGENCE FEE		12
CLOSING TIMELINE		12
CLOSING COSTS		12
OFFER PRICE		12
NEGOTIATING AN OFFER		13
THE SELLER CAN:		13
THE BUYER CAN THEN:		13
OFFER IS ACCEPTED:		13
INSPECTIONS		14
WHAT IS INCLUDED		14
ROOF & COMPONENTS EXTERIOR & SIDING BASEMENT FOUNDATION CRAWLSPACE STRUCTURE HEATING & COOLING PLUMBING ELECTRICAL ATTIC & INSULATION DOORS WINDOWS & LIGHTING APPLIANCES ATTACHED GARAGES GARAGE DOORS GRADING & DRAINAGE ALL STAIRS		14
ACCEPT THE HOME AS IS		14
OFFER TO RENEGOTIATE WITH SELLER		14
CANCEL THE CONTRACT		14
HOME APPRAISAL		15
APPRAISAL COMES IN AT OR ABOVE SALE PRICE		15
APPRAISAL COMES IN BELOW SALE PRICE		15
SCHEDULING YOUR MOVE		16
AFTER SIGNING		16
4 WEEKS TO MOVE		16
2 WEEKS TO MOVE		16
1 WEEK TO MOVE		16
CLOSING DAY		17
CLOSING DISCLOSURE		17
FINAL WALKTHROUGH		17
CLOSING TABLE		17
BRING TO CLOSING		17
RECEIVE YOUR KEYS		17
CLIENT TESTIMONIALS		18
EASY EXIT AGREEMENT		19
HOME		20

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