The Home Buyer Guide
Melissa Greer WORKING FROM THE HEART
THE BENEFIT OF EXPERIENCE
I value integrity, compassion
Named #1 in North Carolina for America’s Best Realtors 2020 by Newsweek
and honesty. I act as a calming, experienced guide during a time of life that can be stressful. I am driven by the success of my buyers and sellers. I seek partnerships — not competition — with my fellow agents. I’ve built strong relationships across the community and the industry, and I share those with you. I don’t run from a challenge. There is a buyer for your home and a home that fits your vision — we’ll find it together.
#1 Sales Associate in the BHHS network for closed transactions in 2021 Top 10 Sales Associate in the BHHS network for closed transactions 2017, 2018, 2019, 2020, and 2021 Chairman’s Circle Diamond Award 2014, 2017, 2018, 2019, 2020, and 2021 Chairman’s Circle Platinum Award 2013, 2015 and 2016 Chairman’s Circle Gold Award 2010, 2011 and 2012 10 Year Legend Award Top half of one percent of Berkshire Hathaway Home Services associates nationally 2021 Real Estate Newsmaker RISMedia 2019 Outstanding Women in Business Triad Business Journal
Testimonials GETTING GREAT RESULTS “We interviewed several realtors and Melissa had by far the best plan and price for selling our unique property. She immediately understood its value and who it would appeal to, was highly creative and able to think outside the box in her marketing plan, and was hands on throughout the entire process. She is honest, highly resourceful, and has a delightful sense of humor even through challenging negotiations. We would recommend her in a heartbeat.” — Dee I “Melissa and her team did an excellent job helping me sell my home. I had already moved out of state and it was a seamless process because of Melissa and her whole team. She listed my house on a Tuesday and by Friday I had an offer and closed the following Wednesday. Eight days from start to finish! If you have a house in Sunset Hills Melissa and her team are a must! If you have a house in the Greensboro area Melissa and her team are the ones to use! Best experience selling a house ever!” — Kathy S “We have known Melissa for years and this is the second house she has sold for us. Selling a house and all that is involved can be stressful. Melissa is there for every step of the process. She truly strives to make the process as smooth as possible. She has gone above and beyond every time she has assisted our family. Her knowledge and experience is second to none in the industry. She more than a realtor to our family. Five stars from the Kimrey family!” — Sandra K “Melissa did an amazing job representing me. She walked me through every step and was always available for questions. She truly is gifted at staging and her staff is amazing. She is quick and efficient and detail oriented. My experience surpassed my expectations.” — Jenny G
Testimonials “Melissa is ‘hands down the best realtor’ I’ve ever worked with. She is honest. She is customer service driven in ways I can’t even begin to share. Melissa shows integrity in every step she makes, on your behalf, as she works with both sides of the sale. She helped us get our house ready to sell — looking its best — with experienced and affordable contractors in her little bag of tricks and she quickly helped us close on the house we were moving to. I would highly recommend Melissa for any of your realty needs. — Shelley J “Melissa is the best of the best. she is caring, she is thorough and she is responsive and attentive. She is a total pleasure in our lives.” — Gail L “Melissa makes the process of selling quick, efficient and painless. Great marketing materials, especially the photography used for online purposes. Fantastic support team in her office helped made this transaction professional and outcome based. I recommend Melissa completely and so appreciate the warmth, compassion and spirit she brings to the table!” — Jordan B
VIEW AND SHARE LISTINGS Zillow.com/profile/melissagreer @melissagreerGSORealtor @melissajgreer @melissajgreer Search Melissa Greer, Realtor Melissa Greer
The Berkshire Hathaway HomeServices Difference We are proud to lead the way in marketing and technology, however this innovation is not what defines us. Our unparalleled value is in each one of our sales associates and their industry knowledge, professional experience and commitment to building a relationship with you that far outlasts the closing table. Berkshire Hathaway HomeServices is the forever brand. Our team members are local experts, community activists, liaisons, advisors and often times a friendly ear to listen. We earn trust by partnering with you to achieve your goals and look forward to the opportunity to help you thrive in the communities we serve or wherever life takes you.
Home Buying Process The buyer experience begins and ends with you. I will serve as your professional consultant to guide you through this transition, and any future real estate needs. I am dedicated to streamlining the experience so you can focus on the demands of daily life.
1. Initial Consultation 2. Financing 3. Finding the Right Home 4. Making an Offer 5. Negotiations 6. From Contract to Settlement 7. Closing 8. Beyond Closing
INITIAL CONSULTATION Determine criteria — needs, priorities, urgency Discuss financing options and the process for finding the right property
FINANCING Introduction to our Home Mortgage Consultant Complete the pre-approval process
Home Loan Document Checklist USE THIS HELPFUL CHECKLIST TO GATHER DOCUMENTS FOR YOUR HOME LOAN. Income Information
□ 3 0 days’ most recent pay stubs with year to date information for all jobs and for each borrower. □ F ederal tax returns for the 2 most recent years (1040s) -2 or 1099 forms for the 2 most recent years □W □ R etirement and/or social security income award letter ritten explanation if employed less than 2 years or gap in employment in the last 2 years □W Credit Information
ost recent 2 months asset statement listed on the application — all pages to each statement even □M if blank (Example: checking account, savings account, CDs, money market accounts, IRA, 401k, etc.)
□ I f applicable: credit explanation letter for any late payments, collections, judgements or other derogatory credit items
□ D ocumentation for any large deposits outside payroll or gift fun deposits shown on asset statements □ I f applicable: previous payments for alternative credit sources Special Information, if applicable
□ L ast 3 years’ complete Federal tax returns (both personal & business returns) □ Y ear-to-date profit and loss statement □ L ist of all business debts Other Information
□ R eal Estate Agent Information (if applicable) Agent name: ___________________________________ Contact Number:_______________________________
□ H omeowner’s Insurance Information Agent name: ___________________________________ Contact Number:_______________________________
□ A dditional:___________________________________________ □ A dditional:___________________________________________ This list is only to be used as a guide.
Carolinas.phmloans.com
FINDING THE RIGHT HOME Review various neighborhoods and areas to identify those that match your criteria Begin home showings to find your perfect home
MAKING AN OFFER Review of disclosures and property information to make an informed decision Review comparable sales and market conditions to determine offer price Be prepared with your preapproval letter, due diligence fee, and earnest money deposit
NEGOTIATIONS Offer is delivered to listing agent for presentation to the seller Seller responds (Acceptance, Rejection, Counter) Offer becomes a binding contract once all parties have signed and communicated
FROM CONTRACT TO SETTLEMENT Monies referenced in offer are delivered Property appraisal is conducted
on Professional Services Disclosure and Election form
as part of the loan approval process
Arrange for movers and utility transfers
Schedule closing attorney
Review Closing Disclosure and arrange
Select Title Insurance policy and secure
for monies to be delivered for settlement
homeowner’s insurance
Conduct your final walk-through of property
Schedule inspections as requested
Attend settlement
CLOSING Closing attorney records deed Receive keys to your new home!
BEYOND CLOSING At Berkshire Hathaway HomeServices Yost & Little Realty we are committed to building last relationships based on trust and care. I will continue to be a resource for you by providing annual real estate reviews and recommendations for service providers. I also look forward to assisting your friends and family.
Estimate of Costs ESTIMATED CLOSING COSTS Property Inspections:
$ _____________________________________________
Home, Radon, Septic, Well, Termite
Survey:
$ _____________________________________________
Title Insurance:
$ _____________________________________________
Homeowner’s Insurance:
$_____________________________________________
Home Warranty:
$ _____________________________________________
Attorney Fees:
$ _____________________________________________
Brokerage Fees:
$ _____________________________________________
Recording Fees:
$ _____________________________________________
Costs Associated with Loan:
$ _____________________________________________
Mortgage consultant will provide estimate
Appraisal:
$ _____________________________________________
Termite Inspection:
$ _____________________________________________
Escrow Deposit:
$ _____________________________________________
Reserve for HOA dues, taxes, PMI, etc
Other:
TOTAL CLOSING COSTS:
$ _____________________________________________
$ _____________________________________________
This should be used as a checklist for informational purposes only and are not to be construed as actual closing figures. A final, detailed breakdown will be made available before closing.
Smooth Transition to a New Home 4 WEEKS BEFORE MOVING • Contact and contract with a reputable moving company. • Have school records transferred. • Arrange to transfer or transport medical, dental, and other important records. • Transfer homeowner’s and auto insurance to be sure of continuous coverage. • Hold a garage sale, donate unneeded items, and place excess items in storage. • Keep track of moving-related expenses, and see what expenses are deductible.
3 WEEKS BEFORE MOVING • Obtain and mail change-of-address cards to the post office, subscriptions, credit card companies, and important contacts.
2 WEEKS BEFORE MOVING • Arrange for final utility readings at the former residence the day after moving out, and have utilities and phone turned on at the new home the day before moving in. • Close, update or transfer bank accounts. • End or transfer newspaper delivery service. • Arrange for transfer of vehicle licenses and drivers’ licenses. • Have an extra supply of prescription medications for the next four weeks. • Schedule a final walk-through of the property; make sure everything is in order.
MOVING WEEK • Keep valuable financial records and personal papers on-person; do not pack them with the rest of the household goods. • On closing day, the home purchase documents are recorded an the home is now yours. • Move in.
AFTER MOVING IN • Consider plans for landscaping design, installation, and maintenance. • Review home security requirements and systems. • New home furnishings, appliances, and interior decorating will make the house a home.
Our Complete Suite of Home Services
“
Berkshire Hathaway wants to be in businesses that are enduring. Real estate brokerages will be around 100 years from now and HomeServices of America will be around 100 years from now. We love that HomeServices is part of Berkshire Hathaway and we would love to see it grow a lot. — Warren Buffett Chairman and CEO Berkshire Hathaway, Inc.
Relocation Services
HomeServices Insurance WHO WE ARE We are one of the largest personal lines insurance agencies in the country offering a simplified insurance experience. By working with the most financially secure insurance carriers we are able to provide our clients with the most competitively priced products specifically tailored to their individual needs.
WHY WE ARE HERE We are here to make the insurance process as easy as possible for our clients. We shop their insurance for them to find coverage tailored to their specific needs all while providing them the highest level of customer service.
OUR INSURANCE COMPANIES • AIG • Chubb • Progressive • Travelers • Universal Property • And More!
AVAILABLE COVERAGE • Homeowners • Automobile
(336) 355-1602
• Umbrella
marcuss@homeservices-ins.com
• Jewelry, Fine Arts, Collectibles
HomeServicesInsurance.com
• Recreational Vehicles • And More!
HomeServices Insurance is a subsidiary of HomeServices of America
Title Insurance At real estate closings, the lender, if any, requires a title insurance policy (Loan Policy) to ensure that the lender’s interest in the property is protected. To protect your investment and ownership in the property, you also need a title insurance policy (Owner’s Policy). There are no annual payments to keep the policy in force. A one-time fee at the real estate closing protects you against a wide variety of risks to the title of your property. As part of a seamless transaction for our clients, we are pleased to offer title insurance through our wholly-owned title insurance company, Attorneys Title. Attorneys Title has provided title insurance to North Carolina homebuyers for over 35 years. As an agent of First American Title, Commonwealth Land Title and Chicago Title insurance companies, our experienced staff and legal team are prepared to handle all of your title insurance needs. We have access to over 2 million prior policies and provide a reissue rate when applicable, to help ensure you are getting the best price for your title insurance. To take advantage of our streamlined process, simply indicate to the attorney of your choice that you designate Attorneys Title as your title insurance provider.
(800) 222-4502 AttorneysTitle.com Orders@AttorneysTitle.com
Strength, Trust, & Integrity Berkshire Hathaway Inc. is a worldwide holding company based in Omaha, NE. Its Chairman and CEO is Warren Buffett and according to Time magazine’s ranking, among the world’s most influential people. “When people are making the decision of the magnitude of buying a house, it’s the biggest decision a great many families will ever make. They want to know who they’re working with and we think that the Berkshire Hathaway name will be reassuring to many of those people,” says Buffett. Berkshire Hathaway HomeServices Yost & Little Realty benefits from a globally respected reputation and a sound financial foundation. Our roots are local, and our reach is global. We thrive on helping buyers and sellers find their perfect home whether around the corner or across the globe.
Ranked #6 on Fortune’s 2021 list of World’s Most Admired Companies
Ranked by Real Trends as #1 Real Estate Company and Home Services Provider in America
Our Promise BEYOND OUR NAME THERE ARE CERTAIN QUALITIES THAT DEFINE US – TRAITS, PRACTICES, VALUES. Exceed
Build
expectations for exemplary service
lasting relationships based on trust and care
and professionalism in everything we do.
with our clients and the communities we serve.
Partner
Redefine
with our associates to create an environment
the home buying, selling, and owning
that fosters success and meaningful careers.
experience by integrating all the elements of the transaction into a seamless real estate experience.
Unsurpassed Service IN EVERY MAJOR MARKET IN NORTH CAROLINA AND UPSTATE SOUTH CAROLINA
Greater Charlotte
Triangle
Lake Norman | SouthPark | Ballantyne
Raleigh | Durham | Cary | Chapel Hill
Triad
Pinehurst
Winston-Salem | Kernersville |
Pinehurst | Southern Pines
Greensboro – Elm Street | Greensboro – Adams Farm | Greensboro – Friendly Center
Melissa Greer, REALTOR® / Broker, GRI, CRS 336.337.5233 Melissa@MelissaGreer.com MelissaGreer.com
© 2022 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate.