HOME BUYERS GUIDE
Cortney Neill REALTOR® 850-333-2721 EMAIL: Cortney_neill@kw.com
Cortney Neill Hello! My name is Cortney Neill and I am a REALTOR with Keller Williams Realty Emerald Coast in Destin, Florida. As a long time resident of the Florida Panhandle, I have extensive knowledge of this area and I am proud to call it my home. Who wouldn’t want to live close to “The World’s Most Beautiful Beaches?” Allow me to be your real estate agent and invite you to also be able to “live on vacation.” Whether you are considering selling your house or looking to buy your dream home, I am your agent. As your agent, I represent YOU and YOUR NEEDS first. My goal is to help my clients find exactly what meets their goals and needs and to guide you through the real estate process. I am here to represent YOU and to SIMPLIFY the process so that my clients to reach their goals. My COMMITMENT and OBJECTIVE is to help my clients and their needs, while also developing relationships that last beyond closing. 850-333-2721 Let’s get this real estate Email: journey cortney_neill@kw.com started together! Cortney Neillcortneyneill.kw.com Website:
36008 Emerald Coast Pkwy #201 | Destin | FL | 32578
IN MY EXPERIENCE... a home isn't a dream home because of its size. It's about how you feel when you walk through the front door, and the way you can instantly envision your life unfolding there. This is about more than real estate - it‘s about your life, your dreams and your desired outcomes. Working with home buyers is not a one-size fits all process, so I approach each one of my clients individually, taking the time to understand their current situation, unique needs and lifestyle. I understand I am helping my clients open a new chapter of their lives, which is why I work so diligently to find the perfect home and handle every last detail of the home buying process. I am honored to guide you through this process and excited to help you find that perfect home!
MY PROMISE Communication Your needs always come first. I provide the service we agree to, in the ways that work for you, whether once a week, once a day, by phone, email or text message. That's how we'll do it. You'll always be kept in the loop. From home search to closing, you'll know the status of home on the market, any ongoing negotiations and the steps leading to a successful closing once an offer is accepted. We'll agree on the communication method that works best for you.
Experience and Expertise The complexities of your real estate transaction will be well-handled. Smoothing the way for your home search and closing process, I will capably remove many potential challenges before they have the opportunity to appear.
Market Knowledge Real Estate Markets are local and as your local market expert, I am a student of the market. This means that I regularly study the market statistics to anticipate changes and analyze trends so that my clients only pay what is the current fair market value for a home, every time.
Negotiating Skills Negotiations can be stressful and tricky. It is important to know that although the biggest item is come cases is price, there are other things to consider such as condition, closing terms, financing contingencies, repairs, and closing date. As an expert negotiator my goal is to make sure you always feel confident that you got your home at a fair price and at the agreed upon terms.
Satisfaction I'll guarantee your satisfaction. Our relationship is dependent on meeting and exceeding your needs. We identify those needs together, and my cancellation guarantee protects your right to end our relationship if you're disappointed.
Cortney Neill | 850-333-2721 | e: Cortney_neill@kw.com
THE HOME BUYING PROCESS Select a Real Estate Agent Obtain Financial Preapproval Analyze Your Needs In A Buyer Consultation
Select Properties View Properties
Write An Offer To Purchase
Negotiate Terms
Accept The Contract
REMOVE CONTINGENCIES Conduct Inspections
Resolve Any Issues
OBTAIN MORTGAGE FINANCING
CREDIT CHECK SURVEY UNDERWRITING INSURANC APPRAISAL E
Obtain Funds for Closing
Close on the Property Take Possession of Home!
Conduct Title Search
Remove Any Encumbrances
Obtain Title Insurance
CONTRACT TO CLOSE
6. CONDUCT APPLICABLE INSPECTIONS
7. REMOVE CONTINGENCIES
Once seller has accepted your offer to purchase their property, it is time to bring in a professional home inspector to ensure the property meets the required standards. Any serious issues that arise will be brought to the attention of the seller and we will help you negotiate who will be responsible for fixing the noted repairs.
9. CONDUCT TITLE SEARCH
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Financing Contingency - If financing the purchase, the contract will state that it is contingent on the home appraising for the contract price and financing. Inspection Contingency - Purchase is contingent on the property being professionally inspected and repairs done by the seller. Home Sale Contingency - Selling your current home.
10. OBTAIN FUNDS FOR CLOSING
Remove any encumbrances Obtain title insurance
TAKE POSSESSION OF YOUR NEW HOME!
11. FINAL WALK THROUGH
8. MORTGAGE LENDER
• • • • •
Credit Check Underwriting Survey Appraisal Insurance
12. CLOSE ON THE PROPERTY
SOME THINGS WE MAY DISCUSS 1.
How much are closing costs?
2.
Can I get a better deal with a foreclosure or a short sale? And what does short sale actually mean, anyways?
3.
I’d rather set up my own search on my favorite websites. Can I just send you homes I find?
4.
Can I celebrate buying a new home and go spend $$ on a new TV, a couch and a washer/Dryer
5.
What should I watch out for if I buy an older home?
6.
What if I buy new construction?
DID YOU KNOW? 1.
The Buyer’s Agent commission is paid by the seller.
2.
The Buyer’s Agent does not get paid until the home closes.
3.
The Buyer’s Agent Represents you and YOUR best interests - not the seller’s.
4.
The Buyer’s Agent can represent you in purchasing new construction.
5.
The Buyer’s Agent can represent you in purchasing a For Sale By Owner.
6.
The GREAT Buyer’s Agent will save you time, energy, and $$!!
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