“Real estate cannot be lost or stolen, nor can it be carried away. Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world.”
FRANKLIN D. ROOSEVELTMission: Invest in People’s Lives as They Invest in Real Estate Vision: Impact the Community Through Veteran Charity That Influences the Next Generation
Kharí is a second-generation REALTOR® who combines her love for the industry with her passion for charity. She represents buyers and sellers on a day-to-day basis and considers educating her clients an important part of her role as a Realtor.®
A full-time, full-service agent since 2016, Kharí assists buyers and sellers with all of their real estate needs, including residential, new construction, development, commercial, and investment.
Kharí was born in Tulsa and has lived in Oklahoma her entire life. As a result, she is familiar with listings in Tulsa, Broken Arrow, Coweta and Wagoner County, Jenks, Nichols Hills, OKC, and Edmond, where she currently lives. A consistent multi-million-dollar producer, Kharí is a CNHS (Certified New Home Specialist), RCC (Residential Construction Certified), and is SFRC (Shortsale Foreclosure Certified.)
Before entering the real estate field, Kharí enjoyed a successful fifteen-year career in the medical field as a primary nurse for a surgeon. During that time, she also went to cosmetology school and worked as a hairstylist for many years. These experiences helped Kharí develop the necessary skills she brings to her real estate business today. “Being a nurse and stylist taught me to be patient and a
great listener,” Kharí says. “I can understand people’s needs and wants.” She is dedicated to her client’s best interest and works hard to help them achieve their goals, ensuring their real estate transaction is above and beyond their expectations. Kharí loves meeting and helping people and is proud to say many of her clients become life-long friends. “I go beyond the sale,” Khari explains. “I believe in converting transactions into relationships,”
Kharí has a passion for interior design and brings her sellers the added benefit of offering staging advice in preparation for listing and providing a vision of a home’s future possibilities to her buyers. Kharí feels like she has been in real estate her whole life, saying, “My mother was an agent and interior designer, working with builders and developers. Growing up, I spent many weekends in open houses and ride-along to showings!”
Kharí enjoys spending time with her three children and her Marine husband in her leisure time. She loves hiking, discovering new restaurants, reading, and watching her kid’s multiple sporting events. In addition, Kharí attends and volunteers as a youth leader at Life Church.
“I have the experience and real estate know-how to help you make the best decisions. I’d love to earn your business so call me today and I’ll work extra hard to make sure your real estate transaction is a complete success.”
As the wife of a disabled veteran, Kharí is very knowledgeable about veteran benefits. “My husband and I are founders of 3% Artisans of Oklahoma
Foundation, a non-profit that provides a unique rehabilitation platform for disabled veterans battling PTSD in the Tulsa metro. In addition, 3% Artisans of Oklahoma offers instructions for trade skills such as woodworking, welding, antique restoration, leatherwork, and painting. I am also partnered with the Oklahoma Veteran Project.”
The Oklahoma Veterans Project was founded to assist homeless and at-risk veterans with free or low-cost housing solutions while they apply for benefits, attend school, and locate employment so that they can once again pursue their version of the American Dream.
918.8 9 4.844 8
kmcvey@ccoklahoma.com
kmcvey.ccoklahoma.com
“I AM A VETERAN REAL ESTATE SPECIALIST HELPING VETERAN BUSINESS OWNERS AND HOMEOWNERS!”
We know and love so many Realtors® but felt led to give Kharí the opportunity to represent us. I am so thankful that we did! We could not have found anyone more knowledgeable or who would have fought so loyally for us! Three days after she listed our home, it received multiple offers. Then a week or so later, she helped us find the perfect house for us, which was won by using some of her great strategies in a bidding war (for under asking, believe it or not). This market is tough and competitive. Make sure you choose someone like Kharí to be on your team! She was patient, organized, knowledgable, accessible, and a great hand holder. After this process, I am totally a fan of hers!
I am not sure what words are appropriate to impress on others the complete professionalism and care we experienced with Kharí as our real estate agent. Not only was she patient and tolerant of our questions and concerns during our home buying process, but she consistently went above and beyond to find us our home!
To say that this was a monumental effort considering the impact of the pandemic on home-buying would be an understatement, yet Kharí took the pressures on and never once flinched. She kept our hopes up when we were close to giving up. She chased every lead no matter the hour and always followed through as if we were her only clients though I know we weren’t. The personal care provided by her is unmatched in my experience. Anyone who has the good sense (or fortune) to call her their agent will not be disappointed!
The excellent home buying experience with Kharí. She takes time to listen to her customers and will not show you houses that are significantly out of your range (which is a waste of time). I was able to get a sense of what my spouse and I wanted in one meeting. Kharí is very customer-focused, punctual, professional, and courteous. She takes calls at any hour and can accommodate a hectic schedule. Highly recommend and will definitely utilize her services for rental properties and our next home when the time comes.
Kharí is absolutely amazing! We were moving from several states away, and she went out of her way to accommodate our schedule. She went above and beyond in every way possible by sending us houses, researching school districts, helping wrangle our kids while we looked at potential homes, and helping set up repair work and cleaning services. Kharí made what could have been a stressful experience as easy as possible, and we are so thankful!
Even when it’s not in her best interest, Kharí will ALWAYS put YOU first! Real Estate is a commission-only world, however, she knows when she leads with integrity and does what is best for the client above all else, you’ll send every friend, family member, and co-worker her way which is worth so much more!
Zillow, Realtor.com, and other home sites are great resources for the public to find listings for sale, however, Kharí can provide you with more accurate and detailed information on properties from the Multiple Listings Service (MLS) that is only available to Realtors.
In a hot market, it’s imperative that you take advantage of a custom search from Kharí to ensure you’re one of the first to know about new properties hitting the market (you’re typically emailed in the first 15 minutes)!
If a home is for sale, Kharí can help! Whether it’s her listing, one of her competitor’s listings, or even a property that is not listed with a Realtor, Kharí is more than happy to schedule all showings for you, furnish market data, assist you in making an offer, and provide strategic negotiation tips.
From pre-qualification with a trusted lender, to scheduling all showings and inspections, to finalizing the closing, Kharí coordinates each step of the home-buying process for you. Essentially, Kharí handles everything from start to finish.
Earnest money is a check written at time of offer that proves to a seller you’re serious about the purchase. Earnest money is held in escrow until closing and then applied towards the purchase. Earnest money usually ranges from $500–$5,000 depending on the price of the home.
It’s your right to choose any inspector you dream qualified, even if that’s your Uncle Billy Bob. If you don’t already have an inspector in mind, Kharí will recommend and even schedule on your behalf a group of highly skilled, experienced, and licensed inspectors that put your best interest first. Inspections typically occur in the first 7–10 days after having a fully executed contract and can range from $250–$1,000 depending on the home’s features (pool, septic, chimney, etc) and depending on how in depth you want to go.
If a mortgage is involved, your lender must order an appraisal to ensure the house is worth the amount it’s lending. This typically costs between $450–$500 and is paid directly to your lender within the first five days of the contract period.
Mortgage
Loan OfficerNMLS 28349
Direct 918-812-4097
bridgett.gale@centralbank.net
David Reece
Sr. Loan Officer, CMA
NMLS #241827
Direct 405-696-3531
Cell 970.367.6590
dreece@regent.bank
Nope. The lender you choose will be one of the most important decisions you make when purchasing a new home. Do your research and make sure you’re getting a top-quality professional on your side to make the process smooth as possible.
Ask for the fees worksheet to compare lender’s rates and fees to one another. Will they sell your loan to a secondary mortgage company? If so, will they retain servicing rights? Is there a penalty for paying the loan off early? Are there any down payment requirements? How many days are needed from contract to close? Do they have any discounts or coupons to offer you?
American Pacific Mortgage
Paul Stanley
NMLS #: 1989144
Mortgage Loan Originator
(405) 476-0908
paul.stanley@apmortgage.com
Here are some dos and don’ts for you to follow when preparing for a mortgage loan.
DO continue to pay your mortgage and/or rent payments on time.
DO stay current on all outstanding accounts.
DO continue current employment.
DO have a current valid government issued ID, ex. driver’s license. DO gather all requested information in a timely manner.
DON’T apply for ANY credit.
DON’T increase the balance of any credit cards.
DON’T close any accounts, including credit card accounts.
DON’T switch bank accounts.
DON’T make large deposits unless you have the ability to document the source of the funds.
DON’T change employment, employer or the way you are compensated.
Documentation for all loans
√ Pay stubs for the most recent 30 days
√ W-2s for the past two years
√ Previous two months bank statements for all asset accounts utilized for closing
If you’re self-employed receive commission, or own investment properties
√ Previous two years federal tax returns with all schedules attached
√ Previous two years corporate tax returns
√ Year-to-date profit and loss statement (self-employed only)
√ Contact information for homeowner’s insurance
√ Copy of Social Security card and driver’s license
A service contract that covers the repair or replacement of important home system components and appliances that break down over time. That means whether it’s you’re A/C unit burning up in the summer, your heater failing in the winter or any number of other covered systems and appliances calling it quits, you and your family will have one less thing to worry about.
Breakdowns are inevitable—home system components and appliances simply wear out over time. Unlike most homeowners insurance, a home warranty plan protects your budget by covering an unexpected repair or replacement of crucial items when they stop working due to normal wear and tear, saving you money in the long run. Think of it like this…
HOMEOWNERS INSURANCE COVERS THINGS THAT MIGHT HAPPEN
Fire damage, Hail and Wind damage. Theft & Vandalism
HOME WARRANTY COVERS THINGS THAT WILL HAPPEN
Breakdowns of HVAC systems, Water Heater, Oven, Dishwasher, Plumbing & More
Repair or replacement of key home systems and appliances can be expensive. Talk with Kharí about the average cost of a home warranty and strategies for including one in the contract so that you’re protected from unexpected problems in your first year of home ownership.
1. EMP (Electrical, Mechanical, Plumbing)
2. Roof
3. Structural
4. Drainage
5. Termite & Wood Rot
6. Additional Inspections (i.e. Spetic, Pool & Spa, Crawl Space)
Be sure to inform Kharí if you want any of these additional inspections preformed since they are an additional cost and may even require different inspectors to be scheduled. It is also important to note that the inspection only covers the main dwelling, therefore shops, detached garages, pool house, and other structures are not included unless specifically requested and an additional fee will likely be applied.
No! Picking an experienced and thorough inspector is crucial. It’s also important to note that ONLY structural engineers can make structural recommendations. Beware of general home inspectors claiming to do structural inspections. In the state of Oklahoma they are not licensed to suggest remedies and will typically refer you to an engineer if there is something of concern which might end up costing you more in the long run.
Talk with Kharí about trusted partners to help service your home inspections needs.
ARE
No! Picking an experienced and thorough inspector is crucial. It’s also important to note that ONLY structural engineers can make structural recommendations. Beware of general home inspectors claiming to do structural inspections. In the state of Oklahoma they are not licensed to suggest remedies and will typically refer you to an engineer if there is something of concern which might end up costing you more in the long run.
Closing costs are fees associated at the closing of a real estate transaction when the title of the property is transferred from the seller to the buyer. Closing costs typically range from 2–5% of the purchase price and are incurred by both parties. Here are some common closing costs:
• A fee for running your credit report.
• A loan origination fee, which lenders charge for processing the loan paperwork for you.
• Attorney fees.
• Discount points, which are fees you pay in exchange for a lower interest rate.
• Survey fee, which covers the cost of verifying property lines.
• Title search fees, which pay for a background check on the title to make sure there aren’t things such as unpaid mortgages or liens on the property.
• Title insurance, which protects the buyer and lender in case the title isn’t clean.
• Escrow deposit, which pays a couple of months of property taxes, homeowner insurance, and private mortgage insurance.
• Prorations for your share of the homeowners’ association fees.
• Recording fee, which is paid to the county in exchange for recording the new land records.
Lenders are required by law to give you a Loan Estimate, which will include what the closing costs on your home should be. At least three business days before closing, the lender will give you a Closing Disclosure statement, which outlines exact closing fees. This Closing Disclosure statement must be signed by the buyer the same day it is issued to avoid a delay in closing.
What
Congratulations on your decision to buy a home! It’s a challenging project, and there are many ways a professional can help. Here are some of the many ways you may benefit from working with a REALTOR®
Your REALTOR® has thousands of homes to choose from through the Multiple Listing Service (MLS), so you’re more likely to find the home that’s just right for you and find it quicker. In fact, a majority of the homes for sale are listed by REALTORS® and aren’t available to you unless you are working with a REALTOR®.
Unfortunately, it’s true. Some transactions fall apart before closing. An experienced REALTOR® may be able to resolve problems and see your transaction through to a successful closing.
New home subdivisions will welcome you and your REALTOR®
If you’re interested in buying a new home, take your agent with you on your first visit to each subdivision. Your professional REALTOR® is an important source of information who can supply background on the builder, nearby subdivisions, and the local community.
You use a professional for your legal, financial and health needs. Why gamble on what may be your biggest investment without a professional at your side?
If you consider a “For Sale By Owner,” take your REALTOR® along to help negotiate the contract.
You may have more protection from legal and financial liability, especially as real estate transactions become more complicated.
Your experienced REALTOR ® will negotiate and prepare the purchase contract for you and assist you throughout the escrow process.
1. If possible, move on a weekday while banks, utility companies, and government offices are open.
2. Use sheets, blankets, and towels to separate pictures, dishes, and other fragile objects. This cuts down on space and moving supplies. Socks can be slipped around the wine glasses to help pad the delicate stems.
3. Instead of wrapping each plate in newspaper or costly bubble wrap, alternate the real plates with Styrofoam disposable plates and—voila! Instant padding. Genius right?
4. Packing plates vertically, rather than flat stacked.
5. Mark each box with its contents and destination room so that you an your helpers will know where each box belongs at your new pad.
6. Fill two “OPEN ME FIRST” boxes containing snacks, instant coffee, tea bags, soap, toilet paper, toothpaste and brushes, medicine and toiletry items, a flashlight, tool kit, paper plates, cups, utensils, paper towels, and any other items you cannot live without.
7. Break out the garbage bags and pull one bag up around a cluster of your hanging clothes, then tie the open end by the hangers.
8. Have suitcases on wheels? Use them for packing heavy things like books.
9. Take pictures of which TV cable goes to which input on the different components, or how certain knickknacks are displayed on the bookshelves to serve as an unpacking guide. Photos may also protect your goods for insurance purposes should anything get damaged in the move.
10. In the new home, resist the temptation to pile box in the garage, attic, or back closet, with a promise to get to them later. If a boxful of stuff is so unnecessary that a year could pass without needing the contents, maybe it’s time to ditch the contents before the move. Otherwise, you risk forgetting where you put important things, or end up parking the car outside all winter.
11. The desire to relax is strong. The coffee table pushed up against the sofa looks so inviting, but those boxes aren’t going to unpack themselves. Resist the urge to derail your momentum. Otherwise, those boxes will just stand over your head. Unpack the TV last, sink deeply into that comfy couch, and revel in the knowledge of a well-done moving job any pro would envy.
12. If moving locally, arrange for your pets to stay with a friend or family member as animals can become confused and frightened during the move.
