Kevin Trimble & Associates - Buyer's Guide

KevinTrimble REALTOR

BUYING YOUR HOME

A GUIDE

YOUR TRUST We understand you are considering purchasing a home. Thank you very much for giving us the opportunity to explain the home buying process and how we will work diligently to best represent you throughout your purchase.

We know the stresses and tribulations of the buying and selling process. We want to bring our knowledge to you, so that your experience is seamless and effortless. Our experience in real estate ensures that our clients receive skilled and professional service from our team at all times.

Our success can be attributed to our attention to detail and our ability to be tenacious during the negotiation process. We care about our clients and work very hard to ensure that they get the perfect home at the right price.

We look forward to assisting you with all of your Real Estate needs!

MEET THE TEAM

KevinTrimble & ASSOCIATES

KEVIN TRIMBLE

AMY CHRISTIAN amy.christian@kw.com

REALTOR® LICENSED IN MO & KS

816-838-9980

REALTOR® LICENSED IN MO & KS

EDUCATION:MBA

30 years executive level business experience

VINCE LEE

AREAS OF CONCENTRATION

vince.l@kw.com

Residential Commercial

REALTOR®

816-519-0824

LICENSED IN MO

PRIMARY MARKET SERVED

30 mile radius of Country Club Plaza AWARDS & RECOGNITION

KARLA ELENZ MARTINEZ karla.emartinez@kw.com 816-805-4555

REALTOR® LICENSED IN MO & KS

Named in the 2020, 2021, 2022 & 2023 Selection of America's Top 1% of 12,000 agents in KC Metro Area Recipient of the 2021 Eagle Award. Keller William’s most prestigious award

BELINDA MILLIGAN admin@kevintrimblehomes.com 816-728-0784

#1 Group Award 2021

OFFICE MANAGER

REALTOR® LICENSED IN MO & KS

Recognized with Quadruple Gold Level GCI in 2022 $25 Million Club 2021

LOIS SPARGAR lmspargur@gmail.com 816-509-2306

TRANSACTION COORDINATOR

REALTOR® LICENSED IN MO

www.KevinTrimbleHomes.com | Kevin@KevinTrimbleHomes.com | 816-309-5031

Buying your Home IN 7 STEPS 1. INITIAL MEETING WITH AGENT 2. PRE-APPROVAL 3. HOME SEARCH 4. MAKING AN OFFER 5. THE INSPECTION PERIOD 6. LOAN PROCESSING 7. THE CLOSING

THE INSPECTION PERIOD

LET'S BEGIN

1

2

INITIAL MEETING WITH AGENT Provide the following: name as typed on driver’s license for all who will be on the loan.

Email address for each buyer Current mailing address Dates of birth (year not needed) Discuss desired home features, location and key drivers.

Specify preferred method of contact.

Discover what you can expect from your agent & the team.

PRE-APPROVAL Prior to looking at homes, obtain a pre-approval from a lender.

Your realtor will be able to help connect you with various lenders based upon your specific loan requirements.

Generally for the loan meeting you will need to bring: Proof of Assets Proof of Income Employment Verification Any other documents asked for Request a loan estimate from the lender for closing costs and interest rate.

Do NOT make any major purchases once you are approved until AFTER you close as they could negatively impact your pre-approval status.

www.KevinTrimbleHomes.com | Kevin@KevinTrimbleHomes.com | 816-309-5031

3

4

HOME SEARCH We will set up a home search for you based on the criteria discussed in the initial meeting. You will receive an initial comprehensive list of these homes currently on the market followed by daily new listings that come available.

To activate your personalized search and receive the daily updates, you MUST open that first search email.

Please note: the listings that are found on Zillow or Realtor.com websites are not always up to date. Their self-reported accuracy of their own data is approximately 24%. If you do see a home on one of these sites, go to kevintrimblehomes.com to confirm that it is still for sale.

When you locate a home that you would like to tour simply text your agent with the MLS #.

As you review the MLS sheet, a couple of things to look for are the # of days on the market and the google earth view.

Open the Seller’s Disclosure and read through it for more in-depth information about the home.

What are the current market conditions?

MAKING AN OFFER Review comparisons of sold properties in the neighborhood.

Develop a strategy…How much to offer, escalation clause, inspections, appraisals, home warranty and timing.

Your agent will send all documents to you via Dotloop for all buyers to sign from their respective email addresses.

A contract in Kansas or Missouri is not binding until all parties have signed the agreement.

Buying your Home IN 7 STEPS

4

5

MAKING AN OFFER (Continued) Once an offer is accepted you will either take the earnest money to the seller’s title company or call them to electronically deposit the money. (Earnest money will be applied to the down payment and can be refunded during the inspection period if applicable).

Talk with your lender about locking in your interest rate.

THE INSPECTION PERIOD The inspection period typically lasts 10 calendar days.

Costs usually range between $500 to $750 which is paid at the time of the inspections and is not refundable.

There are several types of inspections as noted in the Exclusive Buyer’s Representation document.

Your agent’s Transaction Coordinator will set up the inspections. You are free to use any vendor you want. We have listed 3 companies that we would recommend.

You are encouraged to attend the inspections. If you cannot, the written reports will be emailed to you.

Once we receive the inspection reports we will discuss the findings and determine any needed repairs and our leverage position.

Requests for repairs are submitted on a Resolution document. Once submitted the seller has 5 calendar days to respond.

This is also a good time to request a Clue Report from Heartland Partners. This report will reveal any insurance claims that may have been made on the home. You will also be able to receive an insurance coverage review at no cost to make sure you are fully protected.

Contact Heartland Partners Bill D’Arcy & Jeff Hughes Phone: 816-683-2255 Email: Bill@HeartlandHA.com Jeff@HeartlandHA.com

www.KevinTrimbleHomes.com | Kevin@KevinTrimbleHomes.com | 816-309-5031

6

LOAN PROCESSING Once the inspection resolution is agreed upon, notify the lender to order the appraisal ASAP. Appraisal cost will be approximately $600 and is paid at the time of the order.

Having this done will greatly impact the transaction being closed on time.

The completion of the appraisal then triggers the underwriting review.

Concurrently, the title and deed are being researched by the title company.

The loan processing can take several weeks. It usually takes 30 to 45 days to close a loan once the offer is accepted.

We will contact the lender each week to make sure the loan is moving along and there are no issues.

Schedule the movers. We have listed a few recommendations.

Buying your Home IN 7 STEPS

www.KevinTrimbleHomes.com | Kevin@KevinTrimbleHomes.com | 816-309-5031

7

THE CLOSING Plan for utility change overs for both the home being sold and the home being purchased. You will be sent an email two weeks before closing that explains what and who needs to be called.

If you need a cleaning service to assist with the home you are vacating, let us know and we can assist with referrals.

You will be contacted regarding the final walk through of the property. This should occur a few days before closing to ensure the property condition has not changed.

You will be provided with the location of the title company and the date and time to be there for closing.

You will need to bring your driver’s license and a cashier’s check for the amount due. (The exact amount due comes from the lender and is often not known until the day before closing.) Wiring funds is also an acceptable method of payment.

The lender will issue a “Clear to Close” once the figures balance between them and the title company and all underwriting conditions have been met.

Once the lender funds the seller you will be notified…in most cases this is when you may take possession of the home.

You will be provided with the “Hand Off” form that details specific information about your new home such as garage door codes, trash day, mail keys etc.

Remember, we are here for you even after the process is complete.

ENJOY YOUR

New Home!

Kind Words

WHAT OTHERS SAY ABOUT WORKING WITH

Highly Likely to Recommend Above & Beyond Kevin went above and beyond when it came to listing our house. He guided us every step of the way beginning with what improvements would help increase the property's value and through the negotiations of the contract. He always answered our calls or responded to voicemails and texts in a few minutes.

Hiring Kevin was the smartest decision we made when it came to buying and selling real estate!

Incredible

rjwages8

Extra Mile

Kevin has been incredible. We could not have had a better realtor. He was knowledgeable, patient, thorough, and kind. We would recommend him to anyone who was serious in finding or selling their home.

ccalmer80

Kevin is a top notch agent.

He goes the extra mile and looks out for his clients. He is also a cool-headed customer in all situations. I would use him again in a heartbeat.

c mc6498

Kevin did an excellent job helping me and my wife both sell and purchase our new home. He is very knowledgeable about the market and took time even before we listed to walk our sale property with us and let us know repairs and suggestions that will help with selling the home quickly.

This was very helpful. Kevin took a serious interest in making sure we bought the home that would be the right fit for us and did great at negotiation on our purchase home. He also took time to thoroughly explain the process to us. Highly recommend!

patrickschonfeldt

A truly Exceptional Experience.

Without question, Kevin provided the best experience I have had buying a home. My wife and I were particular with regards to what we were looking for in a neighborhood and home. Kevin really went the extra mile to understand what we were looking for and he was always focused on our needs/wants. His patience is exceptional. We looked at many homes and made several offers prior to finally securing a contract on our current home. All the while, Kevin was there to provide guidance, support and reassurance when we felt like we would never find the right home. In addition to that, he sold our previous home above what I ever could have imagined it would sell for...in 3 days! He treated us like family and not like just another transaction which I've experienced before. You seldom encounter that type of genuine approach these days. We all have folks we recommend to our friends and family for various trades when asked, but Kevin is one of those guys that we will be proactive in recommending to everyone interested in buying/selling a home because we know he will provide a truly exceptional experience.

tloc1031 Thorough Knowledge From the beginning of the listing process to the sale of our home, Kevin expertly guided the process to completion. He exhibited a thorough knowledge of the complexities of preparation, staging, market valuation, pricing, listing, marketing, attention to detail, legal considerations, and negotiation. We are thoroughly pleased and grateful for the professional service Kevin provided and could not more highly recommend him as our realtor!

ray meyer47

Our Recommended VENDORS

HELPING YOU EVERY STEP ALONG THE WAY

HOME INSPECTORS

Our Recommended VENDORS

MOVING COMPANIES Hiring a moving company often results in a much safer moving process. To reduce or eliminate damage to your items, they use the right materials throughout the move.

McDermott Moving Company Phone: 816-254-2443 Within the Kansas City Metro Area N L Wilson Moving & Storage Phone: 913-357-5330 Email: www.nlwilsonmovers.com Local & Long-Distance Movers

INSURANCE AGENTS Providing peace of mind for homeowners through personalized, quality insurance coverage.

Heartland Partners Bill D’Arcy & Jeff Hughes Phone: 816-683-2255 Email: Bill@HeartlandHA.com Jeff@HeartlandHA.com

Understand as many details as you can about the property you may soon call home. Home inspections reveal the inner workings of the property, allowing you to be informed of all the perks and other concerns the home has to offer.

Legacy Home Inspections James Asbury Phone: 913-484-4157 Champion Inspection Services, LLC Vince Spero Phone: 816-550-7679 Amerispec Inspection Services Ken Grupe Phone: 816-718-7338

HOME WARRANTY COMPANIES A home warranty covers the costs of repairs or replacements due to situations that may affect both your home’s structure and the appliances inside.

A.B. May Home Warranty Courtney James Phone: 816-217-6498 Email: cjames@abmay.com Cinch Home Services Kent Labinski Phone: 816-665-6580 Email: klabinski@cinchhs.com ACHOSA Home Warranty George Brockman Phone: 417-983-3204 Email: georgeb@achosahw.com

www.KevinTrimbleHomes.com | 816-309-5031

CONTRACT NEGOTIATION

And TRANSACTION MANAGEMENT

START

Here

BUYER

SELLER

CONSULT

NEEDS ANALYSIS

PRE-APPROVAL

PRICING STRATEGY

HOME SEARCH

STAGING & REPAIRS

VIEW HOMES

MARKETING ACTIVITIES

MARKET ANALYSIS

FEEDBACK & ADJUSTMENTS

BUYER'S AGENT

SELLER'S AGENT

EVALUATION & COUNTER OFFER

EVALUATION & COUNTER OFFER

NEGOTIATION SELECT VENDORS

COORDINATE CLOSING PROCEDURE

SELECT VENDORS

ACCEPTED OFFER & CONTRACT

LOAN APPLICATION LOAN APPROVAL

INSPECTION APPRAISAL TITLE WORK

FINANCIAL DISBURSMENT

OCCUPANCY ONGOING RELATIONSHIP

COORDINATE CLOSING PROCEDURE

&DEED FILING

ONGOING RELATIONSHIP

MEETING NOTES MEETING NAME & DATE -

ATTENDEES -

MEETING NOTES -

NEXT STEPS / DEADLINES -

A REPUTATION

BUILT ON EXCELLENCE

816-452-4200 Each office is independently owned and operated.

www.KevinTrimbleHomes.com | Kevin@KevinTrimbleHomes.com | 816-309-5031