Your Home Buying Journey with Hobie of Ginger & Co.

Y O U R H O M E BUYING JOURNEY

Today's meeting

Ginger & Co. Mission & our Company Team Structure Your New Home Steps & Process Expected Costs Next Steps

Our Mission

Our mission is to create a fun and seamless experience by guiding you through every step of the buying process.

Why Keller Williams?

Number 1 in agent count, volume, & units sold Agent Branded # 1 Training Company in the World God, Family, Business Culture Emphasizes Integrity & Transparency

Since 2013

OVER 1,000 CLIENTS SERVED!

OTHER REALTORS...

THE GINGER & CO. DIFFERENCE

YOUR TEAM

Hobie Dunn

Luana Ward

Hobie Dunn Buyer's Specalist Hobie is originally from Mt. Holly, North Carolina, and proudly calls the Triangle home. With a background in leadership and service, Real Estate is a natural fit, and he uses those skills to find a win/win for our clients. In his free time, he enjoys golfing and spending time with his daughters, Reagan and Delaney, and wife, Katie.

Luana Ward Closing Coordinator Luana is the Closing Coordinator at Ginger & Co. She works with both buyers and sellers during the Contract to Close period. She is a fully licensed agent with all the same credentials.

NEEDS ANALYSIS

Now, let's get to the fun part!

What are you looking for in a home?

Home Buying Roadmap FIRST STEPS

INITIAL CONSULTATION MORTGAGE PREQUALIFICATION

SHOP LOAN & LENDER

MLS SEARCH

START VIEWING HOMES

FIND YOUR NEXT HOME!

RESEARCH PROPERTY & COMPS

WRITE & SUBMIT OFFER

NEGOTIATE OFFER & BEST TERMS FOR YOU!

SIGN CONTRACT & PROVIDE DEPOSITS

DUE DILIGENCE

DUE DILIGENCE Amount of

Amount of

Deposit check

Negotiable

The seller takes the

Timeframe

home off the market Financial Commitment

Inspections, Research, &

Credited back at

Appraisal

Closing

Negotiate any

Forfeit with Termination

repairs Loan Approval

NEXT STEPS

UNDER CONTRACT

DUE DILIGENCE PERIOD APPRAISAL

SETUP INSURANCE

INSPECTIONS:

LOAN VERIFICATION

HOME, RADON, & PEST

NEGOTIATE REPAIRS

SETUP UTILITIES REVIEW HUD & GET CLOSING FUNDS *CONTRACT PROCESS: NEGOTIABLE TIMEFRAME

FINAL WALK-THROUGH CLOSING DEED RECORDED GET KEYS & MOVE INTO YOUR NEW HOME!

What should I budget?

Deposits Due Diligence Money (amount depends on multiple factors) Earnest Money (amount depends on multiple factors) *Due Diligence & Earnest Money are negotiable

Inspections & Appraisal Home Inspection $400-$550 Termite Inspection $75-$95 Radon Inspection $150 HVAC Inspection $135/per unit Additional Inspections (Septic, Well, Pool) as charged Appraisal $550 Survey: $500-$650

Settlement Fees Closing Costs 2%-3% of Purchase Price Attorney Fee $995 Loan Origination Credit Report Setting up Escrow Account Title Insurance Recording Fees KWPR Transaction Fee Down payment is determined by your loan type & parameters

Something to think about!

Your first mortgage payment isn't typically due until a full month after the month in which you close!

For more information please visit GingerSellsTheTriangle.com