Buying Your Home: A Charlotte Home Experts Guide

BUYING

YOUR HOME

Caring. Committed. Focused. Expert Advisor.

CHARLOTTE HOME EXPERTS

OUR VISION & MISSION VISION As trusted advisors we focus on helping our clients realize their dreams and goals for homeownership one client and one home at a time. We focus on clients’ short and long term goals by utilizing our extensive market knowledge and negotiating skills. We ensure our clients feel confident throughout the home buying and selling process.

We put our clients’ needs first.

MISSION Caring

Take time to understand client goals, dynamics, and variables that affect short and long term outcomes.

Committed

Always put client first; never put self before client.

Focused

Keep eye on goal. Use SMART approach driving down what it takes to be the best.

Responsible

Never pass the ball on issues. Stand solid and accept challenges head on bringing honest, straight forward, and focused solutions.

Knowledge

Knows market inside and out from housing stats to market trends to community.

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CHARLOTTE HOME EXPERTS

MEET TIFFANY JOHANNES Working for more than 10 years in the Charlotte real estate market and leading the highly experienced RE/MAX Executive office in Ballantyne, Tiffany Johannes has a proven record of successful negotiations and conducting her business with professionalism and integrity. As an expert adviser, Tiffany is committed to making the home buying and selling process smooth and to serving as a tenacious advocate for her clients.

› Five Star Award Winning Real Estate Agent 7 Years Running – Ranking in the Top .002% of 17,050 REALTORS › America’s Top 100 Real Estate Agents In NC 2018, 2019 › 100 Most Influential Real Estate Agents 2016 › Best Real Estate Company “Best of Winner” 2017 › Charlotte Regional REALTOR Association Member › CMLS Board of Directors 2011, 2019 › Charlotte Regional REALTOR Association Board of Directors 2017-2021 › Realtor Care Day Chair 2018 › Housing Opportunity Foundation Board Member 2009-Present › Charlotte Regional REALTOR Association 2016 Committee Chair of the Year ®

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Professional Designations

› Graduate Realtor Institute • Strategic Pricing Specialist › Certified Home Selling Expert • Certified Home Buying Expert › Certified Distressed Property Expert • Short Sale Foreclosure › Strategic Negotiating Specialist 704-800-5501 | CHARLOTTEHOMEEXPERTS.COM

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CHARLOTTE HOME EXPERTS

WHAT CLIENTS ARE SAYING “Tiffany and her team are truly amazing!! We have bought a few properties and now we have sold a home with Tiffany’s help. Tiffany & Mary made the whole sale experience smooth and simple. They are very professional, honest & very knowledgeable in Real estate. I would definitely recommend Charlotte Home Experts to everyone. Thank you!!!”

Highly likely to recommend

“Tiffany is absolutely the best. She is knowledgeable, resourceful and was super attentive to our needs. Having gone through the selling and home buying process several times before, we thought our prior experiences were pretty standard. Tiffany and the rest of the Team at Charlotte Home Experts have certainly raised the bar. The level of customer care that we received from beginning to end was second to none. I will absolutely recommend Tiffany to others.”

“If I could give a review higher than 5 stars for this company, I would. We began our home buying process a year ago and they have been with us every step of the way, from the beginning until we close in our very first home this Friday. I now understand the importance of a great Realtor whether you are buying or selling. They have taken so much stress and work off our plates and allowed us to truly enjoy the process. Mary Dodson is an excellent closing coordinator and we have had such a positive experience! I’m so thankful for Charlotte Home Experts and I will be a lifelong customer.”

“We had a great experience with Charlotte Home Experts who worked with my schedule and demands I place on them in the sell of our house in Charlotte. Tiffany was extremely patient with me with her advice to me and hard work at keeping me patient got us top dollar. I will use Tiffany Johannes any time and am proud to recommend her and her team to anyone who needs a truly dedicated professional in the purchase or sale of real estate in the Charlotte area.

Thank you Tiffany and the whole Charlotte Home Experts team!”

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CHARLOTTE HOME EXPERTS

#1 IN THE CAROLINAS RE/MAX Executive has offices throughout North and South Carolina, from our headquarters in Charlotte to the coast in Wilmington. We also have offices in the mountain region of North and South Carolina, extending our reach to cover the major areas in both of the Carolinas.

$2.2 BILLION IN CLOSED VOLUME FOR 2020

OUR OFFICE LOCATIONS g g g g g g

Albemarle Anderson Asheville Ballantyne Charlotte Cornelius

g g g g g g

Fort Mill Indian Land Mint Hill Mooresville Spartanburg Southpark

g g g g g

Waynesville Wilmington Gastonia Huntersville Waxhaw

704-800-5501 | CHARLOTTEHOMEEXPERTS.COM

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CHARLOTTE HOME EXPERTS THANK YOU FOR TAKING THE TIME TO

GET TO KNOW US

CHARLOTTE HOME EXPERTS OF RE/MAX EXECUTIVE achieves incredible results for our clients by maintaining a team of highly skilled individuals. This allows each team member to focus on what they do best, so our clients receive the absolute highest level of service. This atmosphere allows our team to surpass the expectations of every client who chooses us to help fulfill their home buying and selling goals.

Our goal is to get you the best price for your new home in a time frame that works best for your schedule, guide you to a smooth closing, reduce stress, and save you time. This package contains helpful information about buying your home — from the time we start the search to the moment we hand over the keys your new home. We look forward to working with you to find you the perfect home!

THE TEAM ADVANTAGE We have a team of specialists who handle the “behind the scenes” work, so our agents are available to do what they do best:

BUY YOUR HOME.

Our team advantage gets you across the finish line.

A single rower is less effective in the race.

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BUYER TEAM

LISTING TEAM

LEAD GEN TEAM

• Buyer Client Service • Negotiate Contracts • Show Homes • Market Expert

• Seller Client Service • Weekly Feedback • Price Reductions • Manage Showings • Reverse Prospect • List Homes

• Ad Calls • Cold Calls • Search Off-Market Properties

CHARLOTTE HOME EXPERTS

BENEFITS OF BUYER AGENCY g Protect BUYER’S interests at ALL times g Advise and/or disclose to BUYER ALL MATTERS (even if it means pointing out reasons NOT to buy!) g Prepare Property Value Study or Comparative Market Analysis for BUYER (even if low) g Represent BUYER exclusively g Keep BUYER’S financial capabilities, thoughts and willingness to pay more for a property strictly confidential g Represent BUYER on MLS listed properties PLUS foreclosures, bank properties, auctions, For Sale By Owner, builder new construction and even OFF MARKET properties g Negotiate home inspection, repairs, occupancy dates, and buyer credits and costs in BUYER’S favor g ONLY REPRESENT THE BUYER’S BEST INTEREST

704-800-5501 | CHARLOTTEHOMEEXPERTS.COM

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CHARLOTTE HOME EXPERTS

Your home buying road map STEP 1 HOME LOAN PRE-APPROVAL

We help you find out how much home you can buy by giving you access to a FREE mortgage pre-approval and the BEST home loans available!

STEP 2 VIP HOME HUNTER SYSTEM

We email you ALL properties that match your home buying criteria with our unique VIP Home Hunter System.

STEP 3 SPECIALIZED MARKET KNOWLEDGE = OFFER ACCEPTED

We help you get the home that you want using our specialized market knowledge, leading edge systems, and technology.

STEP 4 UNIQUE TEAM SALES APPROACH

We close your transaction quickly and with the least cost and hassle as a result of our unique TEAM sales approach.

STEP 5 INSPECTION, APPRAISAL, REPAIRS, NEGOTIATIONS

Guiding you every step of the way, our expert advice and years of experience stand out for you.

STEP 6 SETTLEMENT AND CLOSING DAY

STEP 7 MOVING DAY

YOUR NEW HOME! AFTER

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AFTER

CHARLOTTE HOME EXPERTS

MORTGAGE PRE-APPROVAL

HOW MUCH CAN YOU AFFORD? KEY FACTORS TO CONSIDER g The down payment

g Your debt-to-income ratio

g The interest rate DOWN PAYMENT REQUIREMENTS DOWN LOAN TYPE PAYMENT

g The closing costs DETAILS

CONVENTIONAL

5%+

You can put as little as 5% down and as much as you want. Anytime you put less than 20% down, you will have to pay some mortgage insurance.

CREDIT UNIONS

3–5%

The lowest traditional down payment program; there is additional mortgage insurance.

SECU/LGFCU

0–20%

A program for members of the local State Employees Credit Union or Local Gov’t Federal Credit Union that offers loans from 0% down with low closing costs.

VA

0%

A special program for military buyers that allows them to put almost nothing down toward the purchase.

USDA

0%

A government insured loan program for low-mid income buyers.

*There are many down payment assistance programs available through our preferred vendors, just ask us for more information to find out if you qualify.

CLOSING COSTS

You will be required to pay fees for loan processing and other closing costs. These fees must be paid in full at the closing, unless you are able to include them in your financing.

EXAMPLES OF CLOSING COSTS g Prepaid Insurance applicable) g Title Exam Fees g Prepaid Taxes g Mortgage Origination Fee g Closing Fees g Prepaid HOA Fees (when g Appraisal Fee g Home Inspection

g Homeowner’s Insurance g Title Insurance

$250,000 - $5,000 = $245,000 YOUR OFFER

(Total amount of your purchase price)

SELLER’S CONTRIBUTIONS (Amount of your closing costs you ask the seller to pay for you)

NET OFFER

(Final amount the seller is actually receiving, viewed as your actual offer)

NO PRE-APPROVAL = NO HOUSE

In today’s market, sellers do not consider offers without pre-approval letters.

704-800-5501 | CHARLOTTEHOMEEXPERTS.COM

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CHARLOTTE HOME EXPERTS

WHILE YOU’RE HOME SHOPPING When you come across homes on your own… g If you see a home that you like (including For Sale By Owners and new construction), feel free to call for information, but always tell the agent that you’re working with us (this will prevent you from being hounded by other agents with questions and sales pitches). g Get the price and the MLS # or contact info of the builder or For Sale By Owner and we will supply you with complete information. g If you see a home that you want to visit, always call us to set up an appointment.

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CHARLOTTE HOME EXPERTS CHARLOTTE HOME EXPERT’S RESULTS

FAR EXCEED THE AVERAGE

Not all agents are the same…

Buy your home with

CHARLOTTE HOME EXPERTS for excellent results!

704-800-5501 | CHARLOTTEHOMEEXPERTS.COM

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C H ARLOT T E 704.837.0010

HO M E

12104 Copper Way, Suite 100 Charlotte, NC 28277

EX P E RT S

CharlotteHomeExperts.com