welcome.
Home is more than just a place it’s where life happens. It’s where memories are made, dreams take root, and everyday moments become the stories we cherish. Whether it’s the first house you buy, the place where you raise your family, or the cozy retreat you ’ ve always imagined, a home is an extension of who you are and a foundation for what’s to come.
As your trusted real estate partner, we understand that finding or selling a home isn’t just a transaction it’s a deeply personal journey. Our mission is to guide you every step of the way with care, expertise, and dedication, ensuring your next move leads you to a place that feels truly yours. Welcome to the beginning of something extraordinary. Welcome home.
amy anderson REALTOR
With six years of experience in the real estate industry, Amy specializes in single-family homes while also helping clients with multi-family properties, investment opportunities, and land transactions. She proudly serves buyers, sellers, and investors across Franklin, Brentwood, Columbia, Nashville, Hermitage, and Mount Juliet.
Amy’s strong background in accounting provides her with exceptional attention to financial detail, giving her clients confidence throughout every step of the process. Outside of real estate, Amy enjoys sailing, hiking, traveling, and creating abstract art, which inspire her creative and thoughtful approach to problem-solving. Her dedication to personalized service ensures a seamless and rewarding experience for all her clients.
who are we?
At The Verdei Group, our Core Focus is to empower clients by building trust, fostering meaningful relationships, and delivering innovative solutions with integrity and personalized service. We are committed to creating long-term partnerships that enhance client outcomes, using technology as a tool to support thoughtful communication and lasting connections, while setting new standards of excellence across the industry.
CORE VALUES
INSPIRE is the foundation of our core values, shaping our company ’ s culture and guiding every decision we make. These principles define how we operate and interact with clients, partners, and communities, reflecting our mission to empower, drive innovation, and build lasting relationships that ensure long-term success.
INTEGRITY
Accountability & Trust - We uphold strong ethical standards and take responsibility for our actions and decisions We ensure compliance with all regulatory, safety, and ethical guidelines, building trust through transparency and continuous improvement
NURTURE
Client-Centered Excellence - We prioritize building lasting relationships by delivering personalized, innovative solutions that meet our clients’ evolving needs We strive to raise the service standard and deliver exceptional client experiences
SOLUTIONS
Innovative Expertise - We provide comprehensive, tailored solutions to meet our clients' unique challenges We aim to raise industry standards by offering innovative strategies that challenge the status quo and deliver exceptional value
PARTNERSHIP
Collaboration & Communication - We foster open, honest communication and work collaboratively with clients, colleagues, and partners to build strong, long-term relationships in a respectful and inclusive environment
INNOVATION
Responsible Technology - We carefully select and implement technologies to enhance efficiency, service quality, and value We commit to continuous learning and the responsible adoption of new technologies while safeguarding data security and privacy
RESPONSIBILITY
Financial Stewardship & Sustainability - We manage financial resources transparently and responsibly, adding value for clients, businesses, and communities. We focus on sustainable practices that support long-term success without compromising ethical standards
ENGAGEMENT
Community Responsibility & Growth - We are committed to making a positive impact by engaging in scalable initiatives that align with our values Our efforts are focused on creating long-term benefits for communities and contributing to a sustainable business future
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1 BUYER CONSULTATION Make a Plan PREPARE FINANCES Get Pre-Approved FIND YOUR DREAM HOME
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OFFERS & NEGOTIATIONS
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CONTINGENCY PERIOD Home Inspection
Our streamlined process takes the stress out of buying by handling every detail, from identifying ideal properties and scheduling viewings to smooth negotiations and closing coordination
We turn the journey into an exciting experience by combining personalized service with local expertise to help you find the perfect home..
CONTINGENCY PERIOD Appraisal
PRE-CLOSING CHECKLIST
CLOSING DAY!
consultation.
Congratulations on taking the first step toward homeownership! This consultation is designed to lay the foundation for a smooth and successful home-buying journey. Whether you ’ re a first-time buyer or a seasoned homeowner, our goal is to ensure you feel informed, confident, and supported throughout the process
Our time together will focus on discussing your vision for your future home, reviewing your timeline and budget, answering any questions about the buying process or the local market, providing resources, such as lender referrals or market insights, and setting up a tailored search for your ideal property. We’ll go over your priorities in detail and outline the next steps to achieve your goals
To make the most of our consultation, we encourage you to take a moment beforehand to consider what’s most important to you in a home and neighborhood, taking into consideration specific features, amenities, must-haves, and budget.
By the end of our meeting, you’ll have a clear plan of action and a tailored home search that meets your criteria. Additionally, we will leverage our network to explore off-market opportunities if needed, ensuring no option is overlooked. We want you to walk away with the confidence that you ’ re on the right track to finding your dream home
Let’s make it happen!
In order to begin searching for a home, we have to know your purchasing power, which means we need a pre-approval. This not only helps narrow down your search to homes that you can afford but most sellers will require a pre-approval or proof of funds in order to move forward with an offer.
Once you have spoken to a lender, know you have enough down payment saved up, have a pre-approval in hand (as well as a buyer representation agreement with us), we can start viewing your favorite homes in-person!
After you have found your dream home, you can typically close within 30 days and sometimes as quickly as 10-14 days. This will depend on the lender and factors like contract contingencies, as well as, sellers needed time to vacate the home
The current market will also determine how quickly or slowly you need to move on your home purchase. In a seller’s market, you may have to make a decision quickly, especially if there is a multiple offer situation In a buyer’s market, you will usually be able to take your time making a decision on whether to put in an offer on a home.
Before beginning our search, we will discuss what the current market is doing and go over your options so that when the time comes to make an offer, you will be ready!
Buying a house can be a significant investment.
As a key component to building long-term wealth, it has the potential to appreciate over time. truth.
finance prep.
Purchasing a home is an exciting step, but financial preparation is key to making the process smooth and stress-free. Here are some essential steps to help you get ready:
EVALUATE YOUR FINANCES
Begin by assessing your overall financial situation Review your income, savings, monthly expenses, and any existing debt. Understanding your financial picture will help you determine what you can afford and create a realistic budget for your home purchase.
CHECK YOUR CREDIT SCORE
Your credit score is a key factor in securing a mortgage and determining your interest rate Aim for a score of 620 or higher, though a score of 700+ can help you qualify for better loan terms Obtain a copy of your credit report, correct any errors, and take steps to improve your score if needed
SAVE FOR A DOWN PAYMENT
The amount of your down payment has a direct impact on your mortgage terms. While some loans require as little as 3-5% down, putting 20% down can help you avoid private mortgage insurance (PMI) and reduce longterm costs. Start saving early and set aside funds specifically for this purpose
BUDGET FOR ADDITIONAL COSTS
Beyond the down payment, there are other upfront expenses to prepare for, such as closing costs (typically 2-5% of the home price), home inspections, appraisals, and moving costs These costs can add up quickly, so plan accordingly to avoid surprises.
GET PRE-APPROVED FOR A MORTGAGE
A mortgage pre-approval shows sellers you ’ re a serious buyer and helps you understand your price range Gather documents such as pay stubs, tax returns, and bank statements to streamline the preapproval process. Having this letter in hand can give you a competitive edge when making an offer
REDUCE DEBT AND AVOID NEW CREDIT
Paying down existing debt improves your debt-to-income (DTI) ratio, making you more attractive to lenders Avoid opening new credit accounts or making large purchases before and during the homebuying process, as this could negatively impact your credit score or loan approval.
BUILD AN EMERGENCY FUND
Owning a home comes with ongoing costs, including maintenance and unexpected repairs. Establish a strong emergency fund to cover these expenses and provide financial security after your purchase.
By taking these steps and enlisting the help of a trusted real estate agent and a knowledgeable lender, you will have guidance throughout the entire buying process, helping you navigate financing options and ensuring your investment aligns with your financial goals. In addition, you’ll be well-prepared to make informed decisions and confidently move toward homeownership.
Beginning your home search is an exciting journey, but it’s important to lay a solid foundation.
IDENTIFY MUST-HAVES
Start by identifying your must-haves those features you can’t compromise on, such as the number of bedrooms, bathrooms, a home office, or outdoor space Consider your lifestyle needs, like proximity to schools, work, or recreation.
RESEARCH NEIGHBORHOODS
Next, dive into neighborhood research. Look at factors like school districts, nearby amenities, and the overall vibe of the area. Think about your long-term plans does the neighborhood align with your future goals? Visiting neighborhoods at different times of the day can also give you a feel for traffic, noise levels, and community activity
STICK TO YOUR BUDGET
Your budget is the cornerstone of a successful home search. Once you establish your budget, stick to it. It can be tempting to stretch beyond your limits when you find a home you love, but staying within your financial comfort zone ensures your purchase remains a blessing, not a burden A clear budget helps guide your search and keeps your goals in focus.
By clearly defining your priorities and focusing on areas that fit your needs, you’ll set yourself up for a smoother, more enjoyable home search experience
s e a r c h .
OPEN HOUSES / SHOWINGS
Open Houses and private showings are key steps in finding your dream home Open Houses let you explore homes at your own pace without scheduling in advance, while private showings provide dedicated time with your realtor to guide you through the details, free from distractions
Bring a notebook or take pictures to keep track of features you love in each home. To avoid feeling overwhelmed, limit your visits to 4-5 homes per day it’ll help you remember each one more clearly
OFFERS / NEGOTIATIONS
Found a property you love? Let’s craft an offer that stands out Together, we’ll determine the right purchase price, key contingencies, and terms that align with your goals. Remember, negotiation is part of the process, and many sellers are open to it. We’ll guide you through each step, ensuring you secure the best possible deal with confidence and ease
From first impressions at an Open House to finalizing a winning offer, every detail matters in finding and securing your dream home. With our expertise by your side, you can navigate every step of the journey with ease and peace of mind.
contingency period.
Once negotiations are finalized and your offer is accepted and signed by all parties, the property officially moves “under contract.” This marks the beginning of the contingency period a critical stage in the real estate process
A contingency is a condition included in the Purchase and Sale Agreement that must be met for the transaction to proceed During this period, you’ll work to fulfill these contingencies, such as securing financing, completing inspections, and reviewing the property’s details These steps are essential to ensure the property meets your expectations and that you ’ re making a sound investment.
As you satisfy the contingencies, the transaction progresses to the final stages: the title search and transfer of deed, bringing you closer to owning your new home.
As your real estate partner, I’ll guide you every step of the way. Together, we’ll navigate the intricacies of the contingency period, collaborate with industry experts, and address any challenges that arise. With preparation and my expertise on your side, you can confidently approach this phase of the transaction and look forward to closing on your new property
c o n t i n g e n c i e s .
INSPECTION CONTINGENCY
This contingency allows you, as the buyer, to hire a professional inspector to evaluate the property’s condition. If significant issues are uncovered during the inspection, you can negotiate with the seller for repairs, request credits toward closing costs, or choose to withdraw from the contract if necessary.
FINANCING CONTINGENCY
This contingency protects you in the event that you ’ re unable to secure mortgage approval. If your financing falls through, this clause allows you to exit the agreement without penalty, ensuring you ’ re not obligated to move forward without the necessary funds.
APPRAISAL CONTINGENCY
Your lender will require an appraisal to confirm that the home’s value aligns with the agreed purchase price If the appraisal comes in lower than expected, you may renegotiate the price with the seller or have the option to walk away from the deal
HOME SALE CONTINGENCY
If you need to sell your current home before completing the purchase, this contingency allows you to make your purchase conditional upon the successful sale of your property If your home doesn’t sell within the agreed-upon timeframe, you have the right to terminate the contract
As your closing date approaches, use this streamlined checklist to stay organized and ensure a smooth transition into your new home.
Confirm closing details
Transfer utilities to your name
Schedule movers
Arrange home services (locksmith, cleaning, pest control, etc.)
Update your address
Complete the final walkthrough
With these steps completed, you’ll be ready to settle into your new home and start this exciting chapter with confidence!
(Approximately 1-2 weeks from close date, we will provide a more detailed list of these items )
If you have any questions or need recommendations for services, don’t hesitate to reach out. I’m here to help every step of the way!
p r ec l o s i n g c h e c k l i s t .
closing day!
Congratulations it’s closing day! The hard work is done, and now it’s time to finalize the purchase of your new home While the day involves signing a lot of paperwork, rest assured we’ll guide you through every step. Here’s what to expect:
Closing day is all about paperwork. You’ll review and sign the necessary documents to officially transfer ownership of the home to you Don’t worry we ’ ve been through this process many times and will ensure everything goes smoothly.
Once the signing is complete, the title company sends the deed to the county recorder’s office to be officially recorded. This step is crucial because the deed isn’t a legal document until it’s recorded. Recording the deed may take a few hours, so patience is key
After the recording is complete, the lender and title company will work to finalize funding Some loans fund the same day, while others may take up to 48 hours. This delay is a normal part of the process, and you can rest assured that the funds are secure and will transfer as required
Once everything is confirmed, you’ll receive the keys to your new home, and the transaction will be complete!
Closing day is an exciting milestone. Take a deep breath, sign those documents, and get ready to celebrate you ’ re almost there!
commonly used terms.
MORTGAGE
A type of loan provided by a lender to the home buyer to finance the purchase of real estate The property serves as collateral for the mortgage loan
CLOSING COSTS
Fees and expenses associated with the purchase of a home that are typically paid at closing. These include appraisals, title searches, property taxes, and homeowner’s insurance.
ESCROW
A third-party that holds and manages funds during the real estate transaction
Once all conditions are met according to the purchase agreement, the funds are released to the appropriate party
PROPERTY DISCLOSURE
The seller's obligation to disclose the condition of the property including any known defects or issues with the property that could affect its value or safety
OFFER
A formal proposal to purchase a property
This will include the price, contingencies, and any other terms of the sale
EARNEST MONEY
A deposit of money paid by the buyer to the seller to show serious intent to purchase the property This amount is applied to the purchase of the home as long as the home successfully closes
CONTINGENCY
A condition that must be met in order for the sale to proceed, as well as, be legal and binding (See Pg 15 for Common Contingencies)
HOME INSPECTION
A thorough examination of the property’s condition by a licensed home inspector to identify any potential issues that could affect the sale or value of the property.
APPRAISAL
An assessment of the property performed by a certified appraiser to determine its fair market value.
UNDER CONTRACT
When the buyer and seller come to an agreement and a contract is signed. The sale is not finalized until all conditions have been met and the closing takes place.
CLOSING
The last step in a real estate transaction where the final documents are signed, the buyers funds are disbursed to the seller, and the seller transfers ownership
TITLE & DEED
The legal right to own and use the property, which is conveyed to the buyer at closing Title ownership is evidenced by a document called “deed”
notes