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
Debby Hector
Luana Ward
Debby Hector Buyer's Specalist Debby is a Buyer Specialist at Ginger & Co. Born in West Virginia and has moved several times on the East Coast from Boston to Florida. She is a graduate of Florida State University earning a Bachelor's degree in Business Administration, Risk Management, and Insurance. Debby worked in the field of insurance in sales and marketing for several years. In Real Estate sales, Debby really enjoys working with clients to help them find their HOME. Debby enjoys travel and exploring new areas, learning about the history, and seeing the beauty that is all around us here in North Carolina!
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