The Road to Homeownership with Amy Kraft

THE ROAD TO Homeownership

About Me:

• Unsurpassed Work Ethic

• Attention to Detail

• Expert Negotiation

• Community Connections

• Excellent Communicator

Exceeding Expectations

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• Intensively researching current market conditions to assist in formulating an effective pricing strategy

• Connecting you with experienced painters, handymen, and home staging to prepare your home for a professional photo shoot to netyouthehighest sellingprice

• Marketing your home on over 60 different websites

• Networking with other agents toattractqualifiedbuyers

• Expertlynegotiating your offer in conjunction with your next move

• Managing the entire transaction for a seamless, hassle-free close

Getting Started

CHOOSE YOUR REALTOR ® & LENDER

Seller’s Agent

When an agent lists a property with their name on the sign.

The REALTOR® negotiates the best deal for the SELLER.

Dual Agent Buyer’s Agent Transaction Coordinator

When buyers call the agent whose name is on the “For Sale” sign.

The REALTOR® attempts to promote both the seller and buyer’s interest.

FINANCING

W When buyers choose an agent to exclusively represent their best interests.

T Their REALTOR® negotiates the best deal for their BUYER.

• Determine your Buying Power.

• Be prepared to pull the trigger when you find your dream home.

• Give the seller peace of mind knowing that you’re pre-approved.

When buyer and seller need paperwork drawn up.

The REALTOR® represents neither seller or buyer.

HOME SEARCH

• Price point, location, amenities

• Immediate MLS updates sent to your inbox

• Your personal secret shopper, your Buyer’s Agent

THE ART OF THE DEAL

• Everything is Negotiable

• Sales Price

• Earnest Money Deposit $

to your loan at closing

Timelines

• Timeline

• Possession

• Lender approval attached

Congrats! Your Offer has been accepted!

THE BUYER INSPECTIONS (OPTIONAL) TYPICALLY

10 DAYS TO COMPLETE:

• Home Inspection

• Pest Inspection

• Radon

• Mold

• Survey: boundaries, easements, setbacks

Inspector Contact Info:

Name:

Phone:

Date & Time:

• Well/Septic (typically paid for by the Seller)

• Paid for at the time of inspection

• Plan on attending the home inspection wrap up to review findings.

THE LOAN PROCESS & APPRAISAL

• We share your accepted offer with signed disclosures with your loan officer

• Formal Application over the phone or in person

• Once inspections are completed an Appraisal is ordered

• The lender verifies assets, employment, downpayment, etc

• Respond quickly to any requests to meet our timeline

• Final Conditions:

Did appraisal meet value?

Are home repairs necessary?

Proof of Homeowner’s Insurance?

• Final Approval: the lender begins to schedule & coordinate the closing date with the title company.

Name:

Phone:

Loan Officer Contact Info:

Name:

Phone:

Email:

Finish Line

TITLEWORK

• Clearing Title allows you to be certain that you fully own and can utilize your property.

• You can title the property in your personal name(s) or in trust, etc

• The Seller always provides a Seller’s title policy to the buyer

• The Buyer always provides their lender with an Owner’s title policy

• In a cash deal the buyer does not need to pay for an owner’s policy

Title and Closing Process Snapshot

STEP 8: POLICY PREP

The Policy Examiner prepares the title insurance policy in accordance with the closing instructions and terms of the closing.

Step 1: Process Started Contract received, order entered, process started.

STEP 7: DOCUMENT SUBMISSION

After closing, the recording clerk submits the appropriate documents to the Recorder of Deeds office. After the documents have been recorded, they are mailed to the customers.

STEP 6: PREP FOR CLOSING

The Escrow Agent/Closer reviews the contract, processing package, title commitment, and written closing instructions in preparation for settlement and real estate closing.

Step 2: Abstracting

The Abstracting Team researches the history of the real estate title and collects information regarding ownership, liens, encumbrances, etc. Records researched include documents with the Recorder of Deeds, Circuit Court, County Assessor, and Collector of Revenue.

STEP 3: EXAMINING

The Examiner receives the research package from the Abstracting Team and reviews the chain of title for the purpose of preparing a Title Insurance Commitment. The Title Insurance Commitment will show current ownership and legal description of the real estate. It will also show matters that will be exceptions to the title insurance coverage, unless the matters are resolved.

STEP 5: PROCESSING

STEP 4: DATA ENTRY Title Commitment and invoice are prepared and distributed to necessary parties.

The closing Processor receives the title commitment and begins the process of gathering and organizing information for the closing.

CLOSING (APPROXIMATELY ONE HOUR)

• Pre-closing Walk-through: reassurance the home’s condition has been maintained

Date & Time:

• Closing Day Checklist:

Picture ID

Certified Funds or Wire Transfer Confirmation

Marriage, Divorce, Trust Documents, etc

Transfer Utilities into your name as of day of closing or possession:

Electric:

Gas/Propane:

Garbage:

Water:

Internet/Cable:

Possession and key transfer

Date & Time:

Location:

What Amy’s Clients Say...

“As a veteran attention to detail is extremely important. Amy has excellent attention to detail. She is also extremely patient and will go to any length to assist you finding a home. Amy will absolutely help you find the best possible property for whatever your needs are. If you are listing a home or trying to buy one I would absolutely recommend her to you. My wife and I would definitely have her help us again!”

— Chris H.

“We had an awesome experience with Amy as our realtor. She is extremely knowledgeable and easy to work with. She has a great personality and made the process enjoyable. She is honest and has the highest ethical standards. Unfortunately this is not true of all realtors. We are thankful that Amy was able to work with us and highly recommend her!”

— Shelley P.

“Amy helped us buy a wonderful house while we were out of state. She did a great job showing us the property via FaceTime - all of the little things that you’d want to see in person! When we finally walked through the house (the day of closing), it was even better than we imagined. Throughout, Amy helped us coordinate all of the aspects of the sale. She was invaluable and made the new house purchase as painless and stress-free as possible. I would highly recommend her to anyone in the market for a house!”

—Jen L.

I enjoy providing my clients results that are tailored to their unique needs. I have spent decades creatively serving people. Whether buying or selling, I strive to offer the utmost in personalized attention to ensure a seamless experience for every client.

Real Estate Experience

• REALTOR®, Licensed Real Estate Sales Person, specializing in listings and sales of residential properties

• Member, Greater Kalamazoo Association of REALTORS®

• Member, Michigan Association of REALTORS®

• Member, National Association of REALTORS®

Education

• University of Michigan, Ann Arbor

• Spring Arbor University, Jackson, MI

• Bachelor of Arts in Management & Organizational Development

Community Involvement

• BCSki Club President, Bittersweet Ski Resort (20102018)

• Food Bank Volunteer

• Mentor/Leader of 8th grade girls at First Wesleyan Church (2010-2013)

• Coached softball and basketball (2006-2010)

• Monthly Supporter of First Fruits of Zion

• Annual Supporter of Girls on the Run

• Annual Supporter of Relay for Life