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
Bailey Jones
The Closings Department
Bailey Jones Buyer's Specalist
Bailey is a Buyer Specialist at Ginger & Co. She is a native of Shelby, NC and a graduate of UNC Charlotte earning a Bachelor’s Degree in Psychology. She launched her career in the financial services industry before gaining valuable experience working for a general contractor. Bailey believes in developing trusting relationships by listening and comprehending each client’s unique circumstances. She recognizes and values the trust her clients place in her and she works relentlessly to exceed their expectations.
The Closings Team Closing Coordinator
The Closing Team at Ginger & Co. works with both buyers and sellers during the Contract to Close period. They are fully licensed agents 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