I entered the business not to just sell homes, but to navigate my clients as a trusted adviser through the adventure of buying or selling. The process is both stressful and exciting, but I come alongside every client as a dependable teammate to ensure a seamless transaction.
• I am a full service, full time agent that treats every client as my top priority
• You can expect full access to me no matter the day or time as I pride myself on being constantly available to you
• A strong focus on people guides strategy and negotiations
• I am here to serve as a life-long resource even when the transaction ends
• When you work with me you have the entire Cottingham Chalk family in your corner
• As a trustworthy advisor I will always represent your best interests confidentially
• Through my network of clients and agents, I have a pulse on off market listings and sales
• I am licensed and work across the greater Charlotte area in both North and South Carolina
• I have both local & global reach because I am backed by our Relocation department that maintains relationships with the best brokers around the world
ACHIEVEMENTS & DESIGNATIONS:
• Cottingham Chalk Top Producer 2019 - 2023
• 2019 Charlotte Observer Rising Star of Real Estate
• Property Spark Top CLT Realtor
• Top 15 Charlotte Real Estate Agents on Social Media 2020
• CLT Real Producer Standout 2021
• National Association of Realtors, member
• North Carolina Association of Realtors, member
• Charlotte Regional Realtor Association, member
• Certified Military Specialist
• Leading RE Target Marketing Specialist
• Graduate of Appalachian State University, BA in Communication, Public Relations & Marketing
• Appalachian State University Softball –NCAA Division 1
Cottingham Chalk consistently outperforms the market. Our agents draw on the collective knowledge and experience of our company. No house or person is the same. We get that. As a boutique firm, we’re able to provide a customized and tailored experience. Simply put, we set the standard for real estate excellence in Charlotte.
Off-Market Insight Experts in Charlotte & Surrounding Neighborhoods
Exclusive Access to Offer Helper Tool
We Sell Across All Price Ranges
Relationships with the Best Vendors
Higher Average Years of Experience
> Meet with Buyer Agent.
> Discuss wants and needs.
> Learn about home buying process.
> Review Buyer Agency Agreement and execute prior to viewing property.
> Select a mortgage provider and fill out application.
> Average application takes one hour to fill out and one day to process.
> Receive pre-approval le er from lender.
> Co ingham Chalk agent will set up a personalized MLS search for you.
> You can choose to have homes sent to you the minute they come on the market.
> Full access to search the MLS database on your own as well.
DUE DILIGENCE TO CLOSING
> Write offer, submit offer, + offer acceptance.
> Due Diligence period begins immediately.
> Work with lender to finalize loan approval and have property appraised.
> Select a closing a orney and schedule closing.
> Closing a orney will check for title defects and prepare closing documents.
> Select inspections with your agent.
> Order survey, if desired.
> Submit request to Sellers for any repairs.
> Negotiate and finalize repair requests/reimbursements.
> Due Diligence Fee is paid to Seller and credited at Closing. If you terminate the contract, this fee is retained by the Seller and non-refundable.
> Earnest Money Deposit is held in an escrow account and credited at closing. It is refundable if you terminate the contract during the Due Diligence
CONGRATULATIONS!
1. Agents like working with agents. As Realtors, we spend a lot of time collaborating with agents at other real estate firms and maintaining strong relationships for our clients.
2. Record low inventory & record high demand have created an incredibly competitive market. We have the tools and the expertise to navigate the market and craft a smart offer that will help give you a leg up.
3. Vendors and contractors are busier than ever before. We have relationships and partnerships to get you from contract to closing on time and with ease.
This is the contract that outlines the agency relationship between you as a buyer and Cottingham Chalk as your agent. The agreement outlines each parties responsibilies and duties through the buying process. Be sure to review this document in detail and discuss any questions with your agent.
• This is the standard N.C. brochure that explains how a real estate agent works and represents you. The language is very straightforward except for one part, dual agency. Dual agency is when the same firm represents both the buyer and seller.
This form is required for use in all sales transactions, including residential and commercial. Working With Real Estate Agents Disclosure (For Buyers) IMPORTANT
This form is not a contract. Signing this disclosure only means you have received it.
• In a real estate sales transaction, it is important that you understand whether an agent represents you.
• Real estate agents are required to (1) review this form with you at first substantial contact - before asking for or receiving your confidential information and (2) give you a copy of it after you sign it. This is for your own protection.
• Do not share any confidential information with a real estate agent or assume that the agent is acting on your behalf until you have entered into an agreement with the agent to represent you. Otherwise, the agent can share your confidential information with others.
Note to Agent: Check all relationship types below that may apply to this buyer.
Buyer Agency: If you agree, the agent who gave you this form (and the agent’s firm) would represent you as a buyer agent and be loyal to you. You may begin with an oral agreement, but your agent must enter into a written buyer agency agreement with you before making a written offer or oral offer for you. The seller would either be represented by an agent affiliated with a different real estate firm or be unrepresented.
Dual Agency: Dual agency will occur if you purchase a property listed by the firm that represents you. If you agree, the real estate firm and any agent with the same firm (company), would be permitted to represent you and the seller at the same time. A dual agent’s loyalty would be divided between you and the seller, but the firm and its agents must treat you and the seller fairly and equally and cannot help you gain an advantage over the other party.*
Designated Dual Agency: If you agree, the real estate firm would represent both you and the seller, but the firm would designate one agent to represent you and a different agent to represent the seller. Each designated agent would be loyal only to their client.*
*Any agreement between you and an agent that permits dual agency must be put in writing no later than the time you make an offer to purchase.
Unrepresented Buyer (Seller subagent): The agent who gave you this form may assist you in your purchase, but will not be representing you and has no loyalty to you. The agent will represent the seller. Do not share any confidential information with this agent.
Note to Buyer: For more information on an agent’s duties and services, refer to the NC Real Estate Commission’s “Questions and Answers on: Working With Real Estate Agents” brochure at ncrec.gov (Publications, Q&A Brochures) or ask an agent for a copy of it.
Out-of-pocket expenses will vary for each property, butI recommended that you budget for the following:
EARNEST MONEY DEPOSIT
PROPERTY
SURVEY FEE
HOME INSPECTION FEES
DUE
DILIGENCE FEE
LOAN APPLICATION & ORGINATION FEES
APPRAISAL FEE
BUYER AGENT FEE
CLOSING ATTORNEY FEE
PROPERTY TAXES
Congratulations, you found your dream home and want to make an offer! Understand the terms and definitions of your offer…
a. Purchase Price - The amount you are under contract for in which your loan, monthly mortgage, and appraisal will be based on
b. Due Diligence Period – The time period to conduct your due diligence; this includes inspections, repair negotiations, and an appraisal ordered by your lender if securing a loan (all of which I will schedule, manage, and negotiate for you)
c. Due Diligence Fee – The fee you are paying the seller to take their home off the market to conduct your due diligence; credited back to you at closing unless you back out of the contract during your due diligence period
d. Earnest Money Deposit – The fee held in the closing attorneys trust account; credited back to you at closing and only forfeited to the seller if you back out of the contract AFTER your due diligence period expires
e. Closing Date – Closing is the day you meet with the closing attorney to sign paperwork and get your keys to your new home
f. Personal Property – Any items that are not fixed to the home that you want to convey in the sale
g. Seller Credit – A negotiated amount that the seller pays and is applied towards buyer closing costs
h. Home Warranty – The ability to request a seller paid one year home warranty of your choosing
Considering investment properties? I’ve got you covered.
Looking for a vacation home? I can help with that.
Curious about your current home value? I can provide that.
Refinancing? I’ll provide supporting documentation for the appraiser.
Investing in your home? Whether considering a small facelift or massive renovation, I will advise on what will have the biggest impact for resale.
Need a repairman in a pinch? I have a solid list of trusted vendors.
Bottom line, I am here for you.
“Kristen was amazing from start to finish during our first home buying process! We cannot have asked for a better experience, from locating the home all the way through to closing. Professional, available, and knowledgeable about every facet of the real estate market. We simply can’t say enough great things about Kristen and we highly recommend her! It’s clear she will be in top performer for many years to come, and we are honored to be one of her clients!.”
— Michalia & Davis Fisher
“We’ve bought and sold three homes in Charlotte over the past six years, and working with Kristen was far and away the best experience we’ve had. She’s professional, hardworking, knowledgeable, and always on top of things. Purchasing a house in a seller’s market was quite the challenge, and Kristen kept us encouraged and sane throughout the process. I have no doubt that we were successful in purchasing our current home because of Kristen’s advice on how to make our offer as competitive as possible and her fast action as soon as it hit the market. She’s the real deal and would be a great fit for both first-time and seasoned home buyers..”
— Madison & Bryant Rogers
“Kristen is attentive, sharp and efficient...everything we need in a realtor. We truly appreciate that she isn’t scared to have hard conversations on our behalf and at every point in the process we know she is fully “for us.” Thankful she is a go getter and doesn’t have an ounce of laziness in her. Safe to say we’d use her again...she’s already on her third house for us!.”
— Julie & Jonathan Fox
“Kristen is the absolute best! From day 1 Kristen was patient, understanding, knowledgeable and encouraging! Thinking that this is our “forever” home was so stressful but Kristen took so much of that stress away! The realtor we had worked with in the past had retired and I’m beyond grateful we found Kristen. She knows the market here in and out, and takes the time to get to learn her clients to understand their needs and goals. She was also great with our kids who had to come along to some showings!!! Before I forget, Kristen was also amazing getting our old house ready to list! She made it easy!! I will highly recommend Kristen to everyone, you will not regret it!!!.”
— Sarah & Peter Reeves
If you are buying or selling a home, you must call Kristen Pegg. She is so professional, helpful, knowledgeable and kind. Kristen is patient, answers all questions, always explains when needed, responds very quickly, and follows through on everything. Cottingham Chalk is extremely fortunate to employ a realtor of Kristen’s high caliber. I highly recommend you give Kristen a call, you will be so happy you did!
— Debbie W.
Kristen’s work effort is beyond what you expect from an agent. She was so available for us at all times (day or night). She made this process so easy for us and it felt like she cared about us, as if we were her family. Her experience in this industry shows. She got us into every house we wanted to see right away and that gave us an opportunity to be in the running for each house we liked. If you want an agent who will put you in the best position to get the home that you desire, Kristen is the agent for you. She helped us get an amazing home and we cannot say enough good things about her!
— Christian & Coley
This is our second time working with Kristen, first as buyers and now as sellers. Kristen’s understanding of the Charlotte market is second to none. As our seller’s agent, she helped us to navigate the prospect of selling in a tough market. Her marketing and support drove exceptional foot traffic and showings and ultimately led to a timely sale for above asking price. If you’re looking for a realtor as either a buyer or seller, Kristen and the Cottingham Chalk team are who you want in your corner.
— Caden & Kristin
Kristen was exactly what we needed when buying our first home! She was patient and helpful throughout the whole process. We always had additional questions and she patiently and thoroughly took the time to answer them. Her advice on offer contents and communication with the listing agent is why we got the house we did. She is well respected within the field and other agents want to work with her! We cannot recommend Kristen enough!
— Meagan & Michael
I cannot stress how thankful we are that we were referred to Kristen in searching for our Charlotte home. My husband and I relocated to Charlotte from Texas, which comes with unique challenges. We are also first-time home buyers. On top of that, as buyers in a crazy low inventory sellers’ market, it is a competitive and difficult time to buy a home in general. Kristen helped up navigate all these things flawlessly from 1,000 miles away. From beginning to end, I don’t think we could have done it without her expertise and guidance. Kristen helped us learn the Charlotte market, determine our target neighborhoods and picked up very quickly on what we were looking for in a home. She was so proactive in setting up showings for every property we were interested in. She then helped us come up with a competitive offer we were comfortable with that landed us our dream home. After that, she guided us seamlessly through all of the steps from contract acceptance to closing. I hear stories from friends all the time of how stressful and grueling this period is, but Kristen made the process as painless and straightforward as possible. She navigated us through it like an absolute pro! On top of that, I truly feel that we’ve made a good friend and can’t wait to have her over to our new home! No matter what your circumstances are in searching for a home, Kristen is who you want in your corner. Buying a home can be a stressful process but you can feel at ease knowing you have the absolute best helping you through the process. We are so extremely thankful to have found her. We will forever recommend her to anyone searching for a home in the Charlotte area. Thank you, Kristen, from your forever clients!
—Hilary & Oliver
Working with Kristen was both enjoyable and easy. We had a limited timeframe to sell our home, and with Kristen’s help, we met our goal and made more from our house that we originally anticipated. Kristen is attentive, positive, and hardworking. We have worked with other agents to sell other properties, and our experience with Kristen was by far the smoothest. She pays attention to all the variables of the market and makes helpful suggestions for staging to present the property in the best way. I’m thankful that a neighbor recommended Kristen to us and I would definitely pass the recommendation along to anyone I know.
— Erin G
As first-time sellers, we could not have asked for a more compassionate, dedicated resource or empathetic, reassuring friend through the process than Kristen! She was patient with our never ending questions, attentive to every detail, clear and brilliant in negotiations, and (most importantly) a genuine joy to work with. PLUS she had our house under contract within 1 week of signing with her! We didn’t even have to have it photographed - one offmarket walkthrough turned accepted offer - she honestly made selling our home a breeze. We’d give Kristen 20 stars if we could!
Kristen was amazing! We couldn’t have asked for a better realtor for our first home buying experience. She was incredibly responsive, thorough and most importantly, patient with all our questions. As out of towners moving to Charlotte, Kristen provided great backgrounds on each neighborhood and lots of recommendations for when we were in town. With us being out of state, Kirsten promptly accommodated tours and we knew we could trust her to FaceTime a house for us and share her honest feedback. Throughout the entire process we felt like we were working with a friend who would answer a call or text no matter what time of the day. We definitely plan to use Kristen in the future!
We are so lucky that our friends introduced us to Kristen. As first-time homebuyers, relocating to a brand-new city seemed like a daunting process. Fortunately, Kristen’s thoughtfulness, empathy, and professionalism put us at ease from the very first phone call and made the entire experience exciting and stress-free. She thoroughly answered all our questions and was always responsive and accessible – regardless of the time of day or night. Despite the logistical challenges of a long-distance move and a very competitive housing market, Kristen’s service went above and beyond. From offering to show us homes through facetime to attending the inspection on our behalf, we always felt like our every need was accommodated. The best part of all is that she was able to help us get the very first house we put an offer on! If you are considering moving to the Charlotte area and want to work with someone who will take care of their clients and get them exactly what they want in a new home, Kristen is the realtor for you. We are thrilled with our new house and could not have done it without her!
— Jalen & Daphne
As first-time homebuyers, we interviewed several realtors to kick off our search. We chose Kristen because we felt confident, she was going to be the best fit for our needs. Kristen is a proactive go-getter, advocates for her clients, is incredibly responsive, organized, and informative. All of those traits are crucial, but buying a home is also a personal experience, and working with Kristen was a treat. The process was painless, (and dare I say fun!) largely due to Kristen’s guidance and support. Thank you, Kristen!!
—Danielle & Harrison
Let’s be honest, buying a first house can feel intimidating. But Kristen totally changed the game for us. From day one, she explained everything in a way that made sense, even for someone new to the whole process. Kristen is always working 24/7 for you and doesn’t pressure – she listens. She found houses that fit our needs, not just our budget. Plus, she was always available to answer questions, negotiate like a champ, and keep us calm during the inevitable bumps. With so many variables like interest rates, supply of homes, and competition outside of your control it really helps to do the one thing you can control –working with a great agent.
—Shaun & Stacie
GOSH! We knew Kristen was a pro at her job but to see it first-hand was such a relief to us when buying and selling at the same time. Kristen never put pressure on us to make a decision we weren’t comfortable with and always had our best interest at heart. You can tell she is very respected in the field and her expertise and networking allowed us to compete, and win, in a multiple-offer situations. We even came close to winning over an all-cash offer. Not only did she help us find our dream home but she helped us sell our current one as well at the same time. She made it super easy to get our house ready for showing with a room-by-room checklist and professional photos that made our house shine. With her marketing & social media network, our house was under contract within a week. We could not recommend Kristen more!
—Zack & Sarah
Kristen was amazing to work with! We’ve always done for sale by owner in the past and knew our most recent home was going to need an agent to really get the reach we wanted and Kristen was the best choice for the job, her confidence and commitment were evident and we felt like we were in good hands navigating the selling process in a market that starting to slow, she knew a quick close was important to us and that’s what she made happen, so thankful!
—Maggie & Jake
I highly recommend Kristen, as an exceptional realtor in Charlotte. When our family made the move to join Mercy Church, we were fortunate to have Kristen highly recommended by both the staff and church members. From the moment we met her, we were impressed by her unwavering kindness and grace, making the daunting process of finding a new home in one of the hardest markets possible. Kristen’s knowledge of the Charlotte market is unparalleled. One of her most impressive traits is the way she treats everyone she interacts with, especially the selling agents. This really sets her apart and you need something to set you apart in this competitive market. Her respect and professionalism were evident, and as a result, they were eager to collaborate with her. Beneath the kind exterior lies a powerhouse negotiator and sales expert. Kristen’s ability to strike the perfect balance between empathy and assertiveness is a rare gift. As someone who works in sales and marketing myself, I am naturally discerning when it comes to evaluating professionals in this field. Kristen, without a doubt, possesses the full package. Her listening skills are exceptional, and she values the art of verbal processing, ensuring that our needs and preferences were truly understood. I wholeheartedly endorse Kristen as a realtor. She’s not just trying to make a sale she is trying to serve you. Her commitment to her clients is unwavering, and I can confidently say she will not disappoint.
—Ashley & Josh
