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COTTINGHAM CHALK AGENT PROFESSIONAL ACHIEVEMENTS & DESIGNATIONS • National Association of REALTORS® • North Carolina Association of REALTORS® • Certified Military Specialist
PERSONAL STATEMENT Simply put, I love what I do and want to make the home buying or selling process as enjoyable as it can be. My goal is to find the perfect fit for you and your families’ needs by providing a great experience and always being in your corner every step of the way.
KATHRYN PEARSON REALTOR® / Broker in NC, SC 704.813.7253
MISSION To be your advocate and have constant communication with you through the home buying or selling process. I am here to guide you through the process and make it as seamless as possible.
kpearson@cottinghamchalk.com @kathrynpearson_realtor
TESTIMONIALS “What an amazing home buying experience! Kathryn continually worked overtime to find us our dream home while making sure we knew exactly what was occurring and we were comfortable during the entire home buying process. Kathryn is attentive, enthusiastic, professional and very knowledgeable of the Charlotte and surrounding markets! She made our home purchase easy. We highly recommend using Kathryn for ALL of your real estate needs!”
— William and Maria
“Kathryn was such a big help when our family decided to move across the country to Charlotte. She immediately understood what we were looking for in our next home. The amount of dedication and attention to detail that she put into assessing the properties we were interested in was truly appreciated. Her approach is personalized—she would let us know whether or not she herself would want to live in each place, which was helpful given that our entire search was remote. She went above and beyond with researching properties, video calling us during her site visits, coordinating with our movers, and helping set up utilities. She’s a kind, down to earth, and warm person who genuinely cares about helping people. We could not have been more happy and grateful for her help!” — Dipti
GET P R E-APPROVED
WI T H A LEND ER
• Select a mortgage provider and begin by speaking to multiple lenders to make sure you are getting the best
rate, most competitive fees, and good service.
• Be prepared to provide the following documents so your lender can get an accurate look at your finances
- Previous two years W2 - Last 30 days pay stub - Last 60 days of bank statements - Previous two-year federal tax return - Driver’s license • During the application process your lender will ask questions and pull your credit. This is considered a hard
pull on your credit but will allow you generally up to 30 days to compare other lenders without taking another hard pull. Be sure to ask your lender what your credit score is.
• Be open and honest with your lender so that they can provide you with the best service. • Receive a pre-approval letter.
Recommendations • Mullinix Mortgage
Will Mullinix – 704.332.5072 will@mullinixmortgage.com • Atlantic Bay Mortgage
Kerry Johnston – 704.747.2170 kerryjohnston@atlanticbay.com
D ECI DE W HERE
YOU WANT TO BUY Uptown: The heart of the Queen City is divided into four wards, spreading out from the intersection of Trade and Tryon street. In the city center you will find skyscrapers, bankers, rooftop bars, and elegant restaurants for dining.
South End: Established from its mill town past, South End is booming with trendy housing, furniture studios, markets, and galleries. The LYNX Blue Line light rail provides a quick commute to Uptown and along the way you will find several craft beer and culinary hot spots.
Dilworth: Known for its charming bungalows bordered by tree-lined streets, Dilworth is positioned just minutes from Uptown and blocks from South End. Stroll down East Boulevard to discover several trendy boutiques and restaurants that provide a cozy vibe by day, and intimate setting by night.
South Park: South Park invites all retail lovers and is centered around the city’s retail mecca, SouthPark Mall. This neighborhood brings together a mix of high-end condos, well-manicured plazas, and business parks.
Myers Park: Stroll through one of the most picturesque neighborhoods in Charlotte to find a canopy of 100-year-old trees hanging over you and stunning homes lining the streets. The historic district of Myers Park provides central access to great neighborhoods all around and close proximity to specialty shops and restaurants.
Plaza Midwood: Brought together by Central Avenue, this neighborhood combines both edgy and inviting and unites the once separate hubs, The Plaza and Midwood. The quirky neighborhood is a blend of art, diners, bars, and more upscale restaurants and retailers.
Huntersville: An escape from the hustle and bustle of the city, this outdoorsy suburb offers several outdoor attractions and plenty of retail shops at Birkdale Village.
Ballantyne: Ballantyne draws residents who desire big-time amenities outside of the fast-pace city environment. Here you will find beautiful homes and established retail complexes for all of your shopping and dining needs
Matthews: Located just 25 minutes from Uptown, the history of this quaint suburb is beautifully preserved in downtown where you can find the original hardware store, old rail car, and history museum. Now mixed with up-and-coming bars, coffee shops, and restaurants, it is a great place for families and young couples to gather.
Belmont: Just a hop, skip and a jump from Uptown, the city of Belmont is a picture perfect blend of old-fashioned charm and new style. With its close proximity to Charlotte, you can also take advantage of big city amenities while enjoying a comfortable stay in small city charm.
Gastonia: Known as a historic center for textile manufacturing, Gastonia is located just 23 miles west of Charlotte. This growing county has some must see/do activities including vising Crowder’s Mountain State Park, Daniel Stowe Botanical Garden, and the new FUSE facility that will host sporting events, festivals, and concerts year-round opening in 2021.
S ET UP YOUR
C USTOM SEA RCH ON MLS As your agent, I will stay on top of the market in search of anything that meets your needs as soon as it hits the market. I will set up a custom search on the Multiple Listing Services (MLS) that can include criteria such as number of bedrooms, square footage, neighborhood, commute, year built, etc. This will provide you with real time updates and give you the opportunity to: • Access your personal portal at any time • Receive daily updates on market changes
• Provide feedback on specific properties to communicate with me
what you do and do not like in a home
COTSWOLD
MINT HILL
NODA
ELIZABETH
PINEVILLE
UNIVERSITY CITY
MONROE
MIDTOWN
CORNELIUS
WAXHAW
KANNAPOLIS
MA KE AN OFF ER AN D
GO UN DER CONTRACT Congratulations! You found your dream home, made an offer, and it was accepted. You are now under contract! Below you will find some tips and definitions that outline what you can expect next… Due Diligence Period: Once you go “under contract” you enter the due diligence period. This is a timeframe where you complete an appraisal, inspection, and work with your lender/closing attorney to get everything in order. This is when you are given the opportunity to negotiate any repairs and ensure after everything is complete, that you feel comfortable moving forward with purchasing the property. Due Diligence Fee: An amount of money given to the seller (listed in the Offer to Purchase Contract) for taking the property off the market to conduct due diligence. If you proceed to buy the property, this amount is credited back to you towards the final sales price. If for some reason you decide to pull out of the transaction, the money remains with the seller as a payment for the time the property was off the market. TIP: It is important to remember that whatever amount you decide to pay for this fee, should be available funds as this check will be deposited. • Carolinas Premier Inspections
Jeff Klump – 704.900.6252 jeff@carolinaspremierinspections.com Earnest Money Deposit: This check is made out to Cottingham Chalk (the escrow agent) and is held in our trust account until the day of closing. This amount will also be credited back to you towards the sales price once the transaction is closed. The earnest money deposit serves as the seller’s sole remedy should you default on the contract. If you decide to pull out of the transaction post due diligence period, the seller keeps the earnest money deposit. Closing Attorney: As your agent I will set up your closing for you. The closing attorney will be responsible for doing a title search to check for any title defects, ordering your property survey, and preparing closing documents. If you have a real estate attorney you would like to use, please let me know or I would recommend the following: • Bailey and Carlino, PLLC
Brad Bailey – 704.365.1811 brad@mbcpllc.com • Doyle and Wallace, PLLC
Matt Doyle – 704.371.5515 mdoyle@doylewallace.com Settlement Date: This is when you will meet with a closing attorney to officially close and record the deed to your new home.
KATHRYN PEARSON REALTOR ® / Broker (NC/SC) 704.813.7253 kpearson@cottinghamchalk.com
COTTINGHAMCHALK.COM/ KATHRYN-PEARSON