GINA & ASSOCIATES REALTY GROUP
Full concierge approach to expertly managed, stress-free buying & selling
Real Value
Our Promise
Our Mission
We are dedicated to making the buying and home selling process fun and stress free, exceeding your expectations, and encouraging a team mentality where everyone wins!
From day one you'll receive best-in-class service from our experienced, results-driven team You can expect open communication, honesty, and accountability We don’t tell you what you want to hear, we tell you the truth, and develop a plan to achieve your goals. Your needs and best interests will always come first.
Whatweoffer
Trusted source for market knowledge for buyers, sellers, investors & agents
Full concierge approach to stress-free buying & selling
Proven negotiation skills
Experts at crafting competitive offers
Hyperlocal experts in your neighborhood
Off-market matchmaking to avoid bidding wars
We are real, we are authentic, & frankly, we are just plain AWESOME
Real Expertise
We are a team of high-minded professionals that work together to achieve more for our clients than one agent can do on their own.
Gina Thibeault
Business Owner & Realtor
BS Civil Engineering, UMass Amherst
BS Management, Bentley University
Gina leads our team, setting the bar high when it comes to accountability, integrity, and delivering exceptional service to our clients. After 15 years as an Engineer in the construction industry, Gina decided to take her knowledge of building, negotiations, and client relations into something a little more personal. There is no greater joy for Gina than helping her clients fulfill their dreams.
She believes, when you have the right team in your corner, the buying and selling process can be a fun and rewarding experience!
Christine Healy Realtor
BS Marketing, Providence College
With a background in marketing and communications, Christine brings a fresh perspective to real estate blending strategic thinking and a deep understanding of what matters most to our clients Christine supports our clients with thoughtful guidance and honest advice, and is driven by a genuine passion for connecting people with places that feel like home
In addition to working as a buyer’s agent, Christine is responsible for managing daily operations, marketing, and listing coordination at Gina & Associates. She is committed to providing our clients with a stellar experience from start to finish!
Hannah Groder Transaction Coordinator BA, Gordon College Masters,
Gordon Conwell
From contract to close, Hannah ensures all parties involved in the purchase of your home - seller agents, lenders, attorneys etc. - are synchronized and your transaction is moving forward without a hitch!
Hannah helps us keep track of every detail and deadline to avoid any last-minute surprises
A team committed to your success.
When you have the right team working for you - lenders, attorneys, inspectors, and other real estate professionals - the entire buying process from offer to closing runs more smoothly. We help our clients build their home buying team to ensure you are receiving the absolute best guidance and service. We are always willing to partner with your personal contacts too. Our ultimate goal is to ensure every member of your home buying team is working together seamlessly to help you buy your home!
What you can expect from our team
A Sound Decision
Investing in a house 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.
You deserve a full-time realtor backed by a team of experts to help you understand your options, navigate the process, and find the right home at the right price Our goal is for you to feel confident in your investment for years to come!
When you find a home you want, we will prepare a value analysis using our detailed knowledge of the market We'll talk about proven strategies that will make your offer stand out in a crowd. Based on this market research, we will help you prepare an offer that is competitive and that protects your best interests while negotiating to get you the best possible price and terms And when your offer is accepted, our team will handle every detail to ensure a smooth transaction from start to finish!
You get access to more
Another benefit to working with our team is that we have access to listings beyond what you find on MLS and popular sites like Zillow and Realtor.com. We are tapped into a network of motivated sellers who do not wish to sell on the open market, allowing you to make an offer without the threat of a bidding war driving up the price
A competitive edge in today's market
Did you know that even if you ' re not represented by an agent, the buy-side commission is included in the purchase price anyway? Why should the seller have a professional negotiator on their side and not you? What's more is that many listing agents may not perceive you as a qualified and/or serious buyer if you ' re not working with a buyer's agent.
The Home Buying Process
Every real estate transaction is different and complex. We guide you through every step of the purchase.
Here are the milestones:
Select a Real Estate Agent
Obtain financial preapproval/ proof of funds
Analyze your needs in a buyer consultation
Select and view properties
Write an offer to purchase
Negotiate Terms
Accept the contract
If inspection contingency: Attend inspection and resolve any issues
Work with attorney to finalize your Purchase & Sales agreement
Obtain mortgage financing Credit check, underwriting, appraisal, insurance
Secure title insurance
Obtain funds for closing
Close on property
Move into home!
Your satisfaction guaranteed.
We are so confident that our real estate system will work for you, that we guarantee you the right to cancel our agreement with no penalties, if you feel our service doesn't live up to our promise.
Our First Steps
Let's chat!
Your buyer consultation is our opportunity to go over what you ' re looking for and how we can best work together! We'll discuss:
The market
The process
The timeline
Helping you get pre-qualified
Getting pre-qualified before beginning your home search is a critical first step. Knowing how much you can comfortably spend means spending your time looking at homes you can purchase and avoids the potential frustration of looking at homes beyond your means.
Having trouble qualifying for a loan? We will partner with you and our trusted lenders to develop a strategy to get you on the right path to homeownership!
There's a common misconception that having lenders check your credit will negatively impact your score. The reality is that within a 45-day window, multiple credit checks from lenders are only recorded on your credit report as a single inquiry. This means you can shop around and get multiple pre-approvals to ensure you get the best rate!*
An Overview of the Loan Process
1 Financial pre-qualification or pre-approval: Application and interview, buyer provides documentation, credit report is requested, valuation scheduled for current home own if applicable
2. Underwriting: Loan package is submitted to underwriter for approval and appraisal ordered
3. Loan approval: Parties are notified of approval, loan documents are completed and sent to title company
4. Title work/Attorney: Title exam, insurance and title survey conducted, borrowers come in for final signatures
5. Funding: Lender reviews the loan package, funds are transferred by wire
Your Home Wish List
Let's talk about your must-haves, nice-tohaves, and your absolutely nots!
Ideal towns/what kind of neighborhood?
What kind of home (single family, condo, etc.)?
Any style preferences?
How many bedrooms? Do you need a primary suite?
How many bathrooms?
Does the age of the home matter?
Are you willing to renovate?
What are your general preferences for your kitchen?
Will schools be a determining factor?
How much land are you looking for?
Do you need an office, playroom or any other specific living areas?
What else should we know to help you find your dream home?
Closing 101
You found your dream home, your offer is accepted, and your financing has been officially approved... now it's time for closing day!
Preparing for Closing
In the days leading up to closing, your lender will provide you with an estimate of the funds you need to bring to closing Please make sure to bring a certified check, your photo ids, and social security number Prior to closing we will do a walk through to ensure the home is in good condition and ready for you to take ownership!
The Final Steps!
When the seller signs the deed, it transfers ownership of the property from the seller to you. The two events that make this happen are:
1.) Delivery of the buyers' funds:
This is the check or wire funds provided by your lender in the amount of the loan.
2.) Delivery of the deed:
The deed names the seller and the buyer, gives a legal description of the property, and contains the notarized signatures of the seller and witnesses.
At the end of closing, the deed will be recorded at the Registry of Deeds. It will be sent to you after the processing.
And then you get your keys!
We also like to have fun!
It's so important to our team to donate our time and give back to the community. We host a "Community Corner" video series that gives local businesses the opportunity to promote their products and services. We are active members of several town boards and committees, sponsor town events, sports teams, community groups, and donate to charities like the Abundant Food Pantry each year.
Do you have a favorite charity? We're happy to donate in your name at closing!
We host quarterly client appreciation events as a thank you to our clients for the trust they place in our team to support them through the buying and selling process. From beer tasting to pies at Thanksgiving, we love catching up with our clients and it's such an honor that so many join us year after year!
Even after the sale, we are your trusted resource for all your real estate needs.
Never hesitate to reach out with any questions! hello@ginaandassociates.com