Y O U R H O M E BUYING JOURNEY
Today's meeting
Ginger & Co. Mission & our Company Team Structure Your New Home Steps & Process Expected Costs Next Steps
Our Mission
Our mission is to create a fun and seamless experience by guiding you through every step of the buying process.
Why Keller Williams? Number 1 in agent count, volume, & units sold Agent Branded # 1 Training Company in the World God, Family, Business Culture Emphasizes Integrity & Transparency
Since 2013
OVER 1,000 CLIENTS SERVED!
OTHER REALTORS...
THE GINGER & CO. DIFFERENCE
YOUR TEAM
Madison Griffith
Luana Ward
Madison Griffith Buyer's Specalist Madison is a Buyer Specialist at Ginger & Co. Originally from Maryland, she relocated to North Carolina a few years ago before settling in Raleigh to raise her family. Her background in management and patient advocacy has contributed to her success in Real Estate. She's a level-headed, skilled negotiator helping her clients find a win/win. In her spare time, Madison enjoys walking the trails with her son, exploring shops and dining around Raleigh, playing with her rescue cat Lucy, and enjoying a glass of wine by the fire.
Luana Ward Closing Coordinator Luana is the Closing Coordinator at Ginger & Co. She works with both buyers and sellers during the Contract to Close period. She is a fully licensed agent with all the same credentials.
NEEDS ANALYSIS
Now, let's get to the fun part! What are you looking for in a home?
Home Buying Roadmap FIRST STEPS
INITIAL CONSULTATION MORTGAGE PREQUALIFICATION
SHOP LOAN & LENDER
MLS SEARCH
START VIEWING HOMES
FIND YOUR NEXT HOME!
RESEARCH PROPERTY & COMPS
WRITE & SUBMIT OFFER
NEGOTIATE OFFER & BEST TERMS FOR YOU!
SIGN CONTRACT & PROVIDE DEPOSITS
DUE DILIGENCE
DUE DILIGENCE Amount of
Amount of
Deposit check
Negotiable
The seller takes the
Timeframe
home off the market Financial Commitment
Inspections, Research, &
Credited back at
Appraisal
Closing
Negotiate any
Forfeit with Termination
repairs Loan Approval
NEXT STEPS
UNDER CONTRACT
DUE DILIGENCE PERIOD APPRAISAL
SETUP INSURANCE
INSPECTIONS:
LOAN VERIFICATION
HOME, RADON, & PEST
NEGOTIATE REPAIRS
SETUP UTILITIES REVIEW HUD & GET CLOSING FUNDS *CONTRACT PROCESS: NEGOTIABLE TIMEFRAME
FINAL WALK-THROUGH CLOSING DEED RECORDED GET KEYS & MOVE INTO YOUR NEW HOME!
What should I budget?
Deposits Due Diligence Money (amount depends on multiple factors) Earnest Money (amount depends on multiple factors) *Due Diligence & Earnest Money are negotiable
Inspections & Appraisal Home Inspection $400-$550 Termite Inspection $75-$95 Radon Inspection $150 HVAC Inspection $135/per unit Additional Inspections (Septic, Well, Pool) as charged Appraisal $550 Survey: $500-$650
Settlement Fees Closing Costs 2%-3% of Purchase Price Attorney Fee $995 Loan Origination Credit Report Setting up Escrow Account Title Insurance Recording Fees KWPR Transaction Fee Down payment is determined by your loan type & parameters
Something to think about!
Your first mortgage payment isn't typically due until a full month after the month in which you close!
For more information please visit GingerSellsTheTriangle.com