A GUIDE TO BUYING YOUR HOME Investing in a home is one of the most important decisions you’ll make. So much more than a roof over your head, your home is where life unfolds and memories are made, all while building a financial foundation for your future. Deciding how you’ll navigate your journey to homeownership is equally critical to the real estate agents you work with. Our team has mastered the ins and outs of the buying process. When you work with us, you’ll benefit from our experience, and together we’ll work toward making sound, smart decisions for your future.
WORKING WITH A REALTOR
As licensed real estate professionals in both North and South Carolina, we work closely with you to help you find your ideal home. We are a team of dedicated Realtors® serving our clients and our community. We are experts who will guide you every step of the way using our knowledge plus 15+ years of experience in the real estate market. Realtors® save you �me, money and frustra�on. Realtors® are knowledgeable about the housing market and can help you avoid the “wild goose chase.” Realtors® can help you with ANY home purchase, even if it is listed elsewhere, being newly built, or being sold directly by an owner. Realtors® have great rela�onships with lenders in the area who can help you understand the importance of being prequalified for a mortgage.
Realtors® are an excellent source for both general and specific informa�on about the community such as schools, churches, shopping and transporta�on. Realtors® are experienced at presen�ng offers and can help with the process of nego�a�ng the best price, bringing objec�vity to the buying transac�on.
WHY CHOOSE JENNIFER VICK & CO.
Choosing a trusted real estate partner is critical to your success in the journey to homeownership. Our team of Buyer Specialists along with a full-time Administrative Staff is ready to serve you with our extensive local area knowledge while providing constant communication and an unparalleled level of client care. We practice daily the company motto, “Connecting the Dots in Real Estate� to ensure all aspects of your transaction are handled professionally and with the utmost in communication making the process seamless from beginning to end. We are honored to work time and again with previous clients as well as receive continued referrals from clients and friends who believe in the quality of our services. We would be honored to add you to that trusted group. To learn more about our team members, please visit our website at www.jennifervickco.com
WORKING WITH A TEAM
What we’ve done at Jennifer Vick & Company is put you, the client, in the center of our universe. Devoting time and resources to handle all the details of your transaction from start to finish. In addition, we’ve surrounded ourselves with great vendors including lenders, inspectors, handymen, plumbers and nearly any other resource you might need when buying a home.
OUR MISSION, VISION & VALUES community through exceptional real MISSION: Build estate experiences
VISION: VALUES:
Creating abundant lives through relationships, education, and giving back Our values help others achieve their DREAMS through...
D elivery of the very best customer service R elationships with our clients E mpowerment to give back to the community A uthenticity in everything we do M astery in our skills S ystems that make things simple
GIVING BACK
TESTIMONIALS “My wife and I were blown away with the job Jennifer and her team did! From the first meeting we had it was clear that Jennifer knew what a prospective buyer would want. Her spot-on recommendations and help with the work resulted in our home going under contract 5 days BEFORE we went on the market and for above asking price!” “Jennifer Vick & Co. went above and beyond with my husband and I to help us in the purchase of our first home. They were responsive, thorough, and helped put our mind at ease when any worries arose. Her team is always courteous and quick to help throughout the entire process. Lizi was an absolute joy to work with - truly recommend her as your agent!”
“Jennifer and her team worked tirelessly throughout the process, keeping us informed every step of the way.”
“What can I say...this team has this down like a science! I was so impressed by their professionalism, knowledge and the smoothness of this transaction!”
“The entire Jennifer Vick & Co. team was amazing with our recent home purchase. They were professional, consistent, and a wealth of information. Even after our closing, Kerrie and Jennifer have both been amazing advisors in regards to helping us get moved into our new home and help make decisions with our old home. We are very thankful to have been in their hands throughout this process.” “As first time homebuyers, we were so pleased with our partnership with Jennifer Vick & Co. at Keller Williams Ballantyne. From making the offer, to the contract, inspections, etc…all the way through closing - everything went off without a hitch and on schedule. We appreciate all the team effort.”
Professional Responsive Proactive Great client advocate Thorough Flexible Highly recommended One of the best ever for us
“In all my years of real estate transactions, I don’t think I’ve had a more smoother, convenient, or attentive Real Estate person OR Experience!”
“The process went along smoothly every step of the way, even with certain unique factors coming into play outside of her or our control. There is no doubt in our minds that we’ll look no further than the Jennifer Vick & Co. for future partnerships.”
BUYING 101
HOW BUYING A HOME WORKS Our team is here to help you every step of the way!
PARTNER WITH A REALTOR®
FIND YOUR NEW HOME
Absorb their local insight
Narrow down the neighborhoods/areas you want to live in and set up an online home search
Get to know the neighborhood inventory levels See what’s about to hit the market Gain access to off-market proper�es
Favorite homes and save them to your collec�ons Nix homes that don’t meet the mark
Review market averages
Your Realtor® will schedule showings and plan a home tour i�nerary
Complete needs assessment
Decide on your dream home
GET PRE-APPROVED FOR A LOAN Understand what you can afford Determine your monthly mortgage payment Understand your debt ra�o Prepare for escrow Obtain a pre-approval le�er
MAKE YOUR OFFER & NEGOTIATE TERMS Review contract terms and �me limit for offer along with acquiring all property disclosures from the seller. Nego�ate purchase price Choose a closing a�orney Prepare for down payment, due diligence and earnest money Choose a target closing date Sign the offer Deliver earnest money and due diligence checks
“Getting pre-approved before starting a home search is vital in today’s market. We have relationships with a variety of terrific lenders we can refer to you.”
Stay in close contact with your Realtor®
UNDER CONTRACT We provide your lender with a copy of the contract Acquire home insurance. We have terrific insurance companies we can recommend Schedule home inspec�ons (Approx. $500) Our team is happy to schedule this for you Your lender orders an appraisal (Approx. $500 - $700 which is built into your es�mated closing costs) The a�orney conducts a �tle search (cost built into closing costs) Our team schedules your closing Solidify both contract effec�ve and allowable move-in dates
CLOSING DAY: WHAT TO BRING Connect with your lender for confirma�on of wire Government-issued Photo ID(s) Your checkbook (just in case)
CLOSING DAY Get ready to sign! Closing disclosures, promissory note, loan documents and many other documents Title transfer Deed delivery
Cer�fy funds for closing
Save all your paperwork
Stay in close contact with your Realtor®, lender and a�orney
Once the transac�on is funded the deed is recorded, CONGRATULATIONS! You are officially a home owner and you get your keys.
BEFORE YOU CLOSE Contact your closing a�orney for wiring instruc�ons and follow all instruc�ons closely Reserve a moving company and set a moving date Change your address through USPS, your bank, and other instances Set up u�li�es to be ac�vated or transferred for day of closing Confirm all nego�ated repairs have been completed and all receipts have been provided Our team schedules the final property walk-through Stay in close contact with our team, lender and closing a�orney
“Connecting the Dots in Real Estate means our team works diligently to assist, recommend, and connect you to all you’ll need for a seamless and stress-free transaction.”
BUYING 101
DO’S AND DON’TS OF FINANCING
WHAT TO HAVE-ON-HAND
COMMONLY USED TERMS
AT YOUR SERVICE
KELLER WILLIAMS VALUE SERVICES Fast & free service Enter your home’s informa�on one-�me into convenient consumer app Provides quotes from top-rated insurance providers Easily compare coverage op�ons to make best decision Hassle-free with zero prep ge�ng your home ready to sell Instant cash offer on your home Work directly with our lis�ng specialist who is a KW Cer�fied iBuyerAgent In partnership with OfferPad
CONNECT WITH US phone: email: “One of the benefits of working with our team is that we are able to step in for each other when needed so that no matter what someone is there to assist you.”
704.284.7674 info@jennifervickco.com
AGENTS: Jennifer Vick phone: email:
704.564.2808 jennifervick@kw.com
Lizi Cruz phone: email:
704.604.7060 lizi@jennifervickco.com
Allison Vaden phone: email:
704.747.7084 allison@jennifervickco.com
Leize Watkins phone: email:
980.621.5110 leize@jennifervickco.com
ADMINISTRATIVE: Anna McMahon - Operations phone: 704.617.6302 email: anna@jennifervickco.com Lynn Marshall - Transaction Coordinator phone: 704.562.8263 email: lynn@bygeorgeservices.com
AREA MAPS
Our agents are licensed in both North & South Carolina helping you to maximize your search potential.