Growing up in Birmingham, also known as the Magic City, I am familiar with this city and the surrounding areas of central Alabama, There aren’t many neighborhoods I don’t know.
Birmingham has seen so much growth, change, and opportunity over the last few decades. It has turned out to be a fabulous place to live, work, and raise my family. My son, Cameron, is 16. He attends Briarwood Christian School and is a rising senior. I also have a beautiful stepdaughter, Isabella.
In 2020 I married Steve Hicks, a Hueytown native. We currently live in Shelby County with our pups Aspen & Stella. When I am not helping clients, my passions are cycling, hiking, travel, or anything outdoors. Montana is where I try to get away at least once each year. It feels like a second home to me and has a special place in my heart.
I have been an active full-time real estate agent for 20 years in the area and I don't see myself ever doing anything else. Real estate is so much more than houses (no two situations are ever the same). It allows me to accompany people through different stages of their lives. My aim is to be a valuable guide on that journey.
Real estate is my passion. The best part, however, are the many relationships I build and the friendships I make along the way. It is an investment in people and I find that extremely rewarding.
How can I help you with your real estate needs? If you are looking to buy, sell, invest, or just chat, call me today!
Built in 2021
Oak Mountain Schools Gated Subdivision
6 bedrooms
5.5 baths
Full finished basement
MIL/college suite
Chef’s dream kitchen
Hardwoods throughout
Play/Rec room upstairs
Media room
Butler’s Pantry
Adjacent to OMSP
Entertainer’s Delight
A mortgage preapproval is an initial assessment by a lender indicating how much money you are likely to be approved for when applying for a mortgage. It involves a detailed evaluation of your financial background, credit history, income, and debts It should always be done before starting to look for a home.
IMPORTANCE OF PRE-APPROVAL
*Determines Budget: Helps you understand how much house you can afford.
*Strengthens Offers: Demonstrates to sellers that you are a serious buyer with financing likely to be secured
*Speeds Up the Process: Streamlines the final loan approval process once you have an accepted offer. Closing sooner sometimes wins the deal
QUESTIONS?
Contact your local Union Home Mortgage loan officer, to answer any of your questions and help you get started on your path to home ownership.
Daniel DiGuglielmo Area Sales Manager /
Loan
Officer
NMLS 267473
Phone: (205) 908-3587
Email: danieldteam@uhm.com
NAVIGATING THE CURRENT MORTGAGE MARKET
In the ever-evolving landscape of real estate, understanding the current mortgage market is crucial for prospective home buyers and sellers.
Interest rates are a pivotal factor in the mortgage market; over the past 2 years, we've seen rates rise from historic lows due to several factors, and the Federal Reserve has been increasing the federal funds rate to combat inflation, which has directly influenced mortgage rates As of mid-2024, the average 30year fixed conventional mortgage rate is hovering around 7%, up from about 3% in early 2022
WHY MORTGAGE RATES INCREASED
The primary driver behind the increase in mortgage rates has been the Federal Reserve's efforts to curb inflation Throughout 2022 and 2023, inflation surged due to supply chain disruptions, increased consumer demand post-pandemic, and geopolitical tensions affecting global markets. In response, the Federal Reserve implemented a series of rate hikes to cool down the economy and bring inflation under control These rate hikes have a direct impact on mortgage rates, leading to the increases we've seen.
CURRENT FORECAST
Looking ahead, the mortgage rate forecast is cautiously optimistic. We know we won’t see the 3%’s or 4’s again Many experts predict that while rates may fluctuate, significant further increases are less likely as inflationary pressures begin to stabilize and the Fed eyes its 2% target for inflation. Recent Federal Reserve notes resonated a possible halt to any more rate hikes and a reverse direction with 1-2 rate cuts this year and a couple more in 2025 Some forecasts suggest that conventional mortgage rates might hover between 6.5% and 7% for the remainder of 2024, depending on economic conditions and further actions by the Federal Reserve Buyers should stay informed and be prepared for potential volatility
MARKET TRENDS: STAYING INFORMED
Staying informed about market trends and economic indicators can help you make more strategic decisions. Factors such as employment rates, housing inventory, and consumer confidence can all impact the mortgage market, just as your credit score, debt-to-income, and loan-to-value at time of purchase Consulting with a knowledgeable loan officer can provide you with personalized insights to help you stay ahead of market shifts and be better prepared to purchase when the time is right
With almost 20 years of mortgage experience, I’ve seen highs and lows, and my goal is to guide you through this process, ensuring that you make informed decisions and secure the best possible terms for your mortgage.
WHY YOU NEED OWNER’S
TITLE INSURANCE
What is title Insurance?
Owner’s title insurance protects your right to your home by searching, clearing, and insuring the title to your home before you buy it, Your owner’s title policy offers protection for your property rights for as long as you and your heirs own your home.
If ownership of your property ever comes into question, an owner’s title insurance policy protects you from expensive legal problems that could result in the potential loss of your home.
How does title insurance work?
As property changes hands, mistakes and irregularities – often made long before you expressed interest in the property – can place your ownership in dispute. Refer to our list of reasons why you need title insurance for the 20 most common
Title Insurance is the ultimate property protection!
If ownership of your property is ever challenged, title insurance will defend your possession of the property–and assume the legal costs of that defense–for as long as you and your heirs own the property. Plus, if any challenge to your property’s title proves to be legitimate, title insurance will pay for your losses.
20 Important Reasons Why You Need Owner’s Title Insurance
Forgery
Fraud in the execution of documents
Undue influence on a grantor of a deed
False impersonation by someone purporting to be the owner of the property
Errors in surveys
Undisclosed or missing heirs
Wills not properly probated
Misinterpretation of wills and trusts
Mental incompetence of a grantor of a deed
of title by a minor
Heirs born after the execution of a will
Incorrect legal descriptions
Non-delivery of deeds
Unsatisfied claims not shown on the record
Deeds executed under expired or false powers of attorney
Confusion due to similar or identical names
Dower or courtesy rights of spouses of former owners
Incorrect indexing of the land records
Clerical errors in recording legal documents
Delivery of deeds after the death of the Grantor
REAL ESTATE... WHAT’S NEW
This gorgeous 5BD/4BA home is located in one of Hoover's most sought-after neighborhoods Main level features soaring 10-foot ceilings, gleaming new hardwood floors, and a freshly painted interior. The master bedroom and a guest suite are conveniently situated on the main floor. Enjoy an ideal open floor plan perfect for entertaining, complemented by a stunning kitchen with a large island, double ovens, and a butler's pantry/coffee bar. Step outside to a covered back patio and a flat backyard, perfect for relaxation and outdoor activities Enjoy fishing and boating in Moon Glow Lake and relax on the dockside or by the community pool
Windsor Court Lot 048 Birmingham, AL. 35242
Under Contract
New Construction! The Foster 2 Bedroom - Hoover's Premier Townhome Community conveniently located off Highway 280 and 119 has everything you're looking for! Families are falling in love with the Foster with its included 10ft ceilings on the main level, high-end designer touches from brick accent walls to designerinspired modern beams in your living room to your sleek new kitchen designs and finishes. Open-concept living spaces on the main level. Spacious secondary bedroom with a connected full bath The spacious primary suite and bath are the perfect place to escape after a long day. Contact us today about all of the amazing home plans and Designer Collections Windsor Court has to offer.
This 1/2 acre lot is in an up-and-coming area in Vestavia. The perfect investment opportunity for my buyer. 2081 Kirkman Drive
SOLD
Welcome to 2752 Berkeley Drive, your own private oasis! This one-of-a-kind Inverness home offers unparalleled privacy and a serene connection to nature Nestled on 1 3 Acres with beautiful, mature trees, this beautifully updated home boasts unique architectural features, including a stunning double-height living room, high ceilings in the dining room, and a luxurious remodeled master bath Overlooking the fairway of hole number 4 at the award-winning Inverness Country Club, the private backyard also offers a stunning in-ground pool! All of the bedrooms are very spacious with plenty of closet space. The main level master bedroom features "his & hers" closets as well as 2 large storage closets Gourmet kitchen has stainless appliances, granite counters, updated fixtures, and cabinets to the ceiling Finished basement with additional room for entertainment Spacious garage can house 3 vehicles. Listed byDrew Taylor $899,500
REAL ESTATE... WHAT’S
Welcome to 642 Johnny's Cove in the sought-after neighborhood of The Cove of Southern Trace This stunning one-level home, built in 2015, offers modern living in a prime location. With 3 bedrooms & 2 baths, it features fresh paint, a new roof, new carpet, and a new deck, ensuring a move-inready experience. The open floor plan showcases an expansive kitchen with extra counter space, granite countertops, & elegant white cabinets The primary bedroom is a true retreat with a spacious layout & a custom closet shelving system The primary bathroom boasts a separate shower, jacuzzi tub, & double vanity. The additional 2 bedrooms are a split floor plan, providing privacy & comfort. This home is built with quality in mind, featuring four sides of brick construction. Enjoy the convenience of a built-in sound system connection, perfect for entertaining or relaxing The covered patio & open deck are ideal for grilling & outdoor gatherings The spacious garage provides ample storage Listed by - Stacey Adcock
$308,000 Cross Crest Drive is ready for your family Four bedrooms 3 1/2 baths with an updated kitchen and master suite. Tons of storage throughout the home The basement has a finished bonus room as well as an area for a gym and workshop. The large back deck is where a lot of your time may be spent. The covered area is a great place to relax and enjoy some football or your favorite show The backyard is already fenced for your furry friends. The driveway is spacious and flat and ready for some pick up basketball games or rollerskate hockey Did not miss your opportunity at this phenomenal family home. Listed by - Harold Collins
ONE LEVEL LIVING!... 4 sides brick home in the Hidden Forest Subdivision on the Alabaster/Montevallo line All one-level living with a dining room and an office at the front From there walk into a vaulted ceiling great room, which is open to the eat-in kitchen. The kitchen has granite countertops and a stone rock backsplash Off of the kitchen is a covered sun patio. Split bedroom floorplan. The backyard has a large flat fenced yard and grilling patio
REAL ESTATE...
NEW PRICE $1,190,000
1041 Stagg Run Trail Pelham, AL 35124
Welcome to this stunning 6 bed, 5.5 bath, like-new, brick Indian Springs home w/ an incredible view! Stagg Run is adjacent to Oak Mtn, State Park Conveniently located only 1 mile from I-65 This home is completely updated in this move-in ready homeattention has been given to every space. As you enter, you'll immediately see the expansive great room & kitchen, which look out over the mountain The kitchen has a breakfast bar, eat-in area, and custom pantry. Hardwoods are throughout the main level. The master bedroom has a full wall of windows with a view. Upstairs are 4 bedrooms with 2 jack-n-jill baths and a playroom w/built in storage & closet. Lower level: Full in-law suite w/full kitchen, bed, bath, office, 2nd full bath & theater rm. The lower level has upscale finishes & gorgeous views also and feels like main-level living! 2 nice covered porches The seller has spent an extensive amount to add 2 large usable flat yard areas. Basement storm shelter. Awardwinning Oak Mtn Schools.
New Price: $875,000
Kitchen has a large island, stainless steel appliances, a gas cooktop, and recently installed Wolf double ovens. The dining room features a gas fireplace that was saved from the original house. There's hardwood flooring throughout the entire home except for tile in the bathrooms. The main level also has 2 bedrooms including the primary suite, an office, laundry room, and 2-1/2 baths. Upstairs there are 2 more spacious bedrooms, a full bath, and a large den area Basement level, one-car garage. Zoned for Edgewood Elementary School. Listed by - Chad Beasley 935 Saulter Road Homewood, AL 35209
Pool Party! All the convenience of living in Homewood with more than the typical postage stamp lot PLUS a saltwater pool! Set on nearly 2/3 acre this modern home was constructed on the original foundation in 2009. Cedar shake exterior gives it that cozy cottage look. Inside you'll love the natural light and open living spaces. The main level has plenty of entertaining space.
REAL ESTATE...WHAT’S NEW
$699,900
420 Bent Creek Trace Chelsea, AL. 35043
49 Maine Drive Cropwell, AL 35054
Discover luxury and breathtaking views - your dream lakefront home on Lake Logan Martin! This stunning property features 3BR & 3BA The primary suite, located upstairs, offers over 900 square feet of pure indulgence with a jacuzzi tub, separate shower, two walk-in closets, a walk-in attic, a private desk area with cabinets, and a wet bar The home boasts elegant mahogany-colored hardwood floors throughout. The great room features a fireplace & custom-built bookshelves The chef's kitchen features custom cabinets, a large island, a breakfast bar & granite countertops Step outside to the large covered deck, perfect for grilling, watching TV, and enjoying the panoramic lake views The exterior is equally impressive with beautiful stacked stone rock, a private boat launch, and boat dock with a lift, making lake access effortless Your lakefront paradise awaits! Listed by - Stacey Adcock
There are many things to love about this beautiful brick home in Bent Creek It sits on a gorgeous, wide lot with a perfectly flat driveway for guest parking and washing the family cars. The house has 4 bedrooms and 3 full baths with a full in-law suite in the daylight basement including a full kitchen On the main level, you'll find 3 bedrooms and 2 full baths with hardwood floors throughout the living areas and a spacious kitchen with granite counters, plenty of cabinets and counter space, stainless steel appliances, and more The screened deck is a relaxing extension of the living area. The large master suite has a beautiful bathroom with a relaxing tub, a separate shower, his and her sinks, and a large walk-in closet there's also a door that exits onto the deck. Got toys? There's a 3-car garage to house them all! Improvements include a new roof in 2023, main level HVAC in 2016, basement HVAC in 2017, water heater in 2020, and more Listed by - Chad Beasley
“Home is where the Art is!”
Robin Smith Greene -Local Artist-
Robin Greene is an accomplished artist from Atlanta, GA. She holds a Bachelor of Fine Arts degree from Savannah College of Art & Design. Ten years of relentless passion and creativity have shaped her into the versatile & talented artist she is today. For Robin, art is not just a passion, but a purpose.
Her style of painting has texture, dimension, and movement to attract the eye to either calming tones or bold in-style colors. What started as a hobby has now become a thriving business. Robin’s newest works offer a diverse range of abstracts, female sketches, and florals. She believes in spreading peace, serenity, and happiness in her art. You will always find Joshua 1:9 on all of her pieces. You can find her work at Urban Home Market & Argent (Homewood).
art by robin smith greene
STYLE TRENDS OF 2024
BRASS gives off a timeless and classic appeal that creates a feel of sophistication in both modern and traditional spaces making it a very versatile choice.
TEXTURED WALLS
Boring walls are out! Plain painted walls might take a backseat to textured wall treatments. From textured wallpapers to textured paint finishes like Venetian plaster or stucco, these add depth and interest to rooms.
OUTDOOR COMMUNITY
Elevated outdoor living spaces with cozy fire pits, comfortable seating areas, and functional kitchens
BIOPHILIC LIVING
One of the most significant trends is the blurring of lines between indoor and outdoor spaces Large glass sliding doors, retractable walls, and consistent flooring styles create a fluid transition that enhances the sense of space and brings natural elements indoors.
ORGANIC LIGHTING
This unique trend of organic light fixtures celebrates the beauty of imperfection, natural materials, and handmade elements.
COLOR UPWARD is Sherwin Williams color of 2024... a serene light blue with subtle gray undertones
BOLD tiles are becoming an artistic way of making a statement in the home, whether it is on the floor, walls, or a backsplash
TRIMLESS WINDOWS
Many people are opting for no trim on their windows, which yields an incredibly clean look. And, yes, this is even happening on “traditional” homes like Colonials.
SMART HOME technology in 2024 includes lighting, doorbells, security, sprinklers and even locks.
Saturday, Oct 5 at Vanderbilt Commodores FirstBank
Saturday, Oct 12
Gamecocks
Saturday, Oct 19 at 16 Tennessee Volunteers Neyland Stadium, Knoxville, TN 3:30-8:00pm
Saturday, Oct 26 7 Missouri Tigers (HC) Bryant-Denny Stadium, Tuscaloosa, AL 3:30-8:00pm ET TV TBA
Saturday, Nov 2 OFF
Saturday, Nov. 9 at 12 LSU Tigers Tiger Stadium, Baton Rouge, LA
Saturday, Nov 16 Mercer Bears Bryant-Denny Stadium, Tuscaloosa, AL 2:00pm ET SECN+/ESPN+
Saturday, Nov 23 at 14 Oklahoma Sooners Gaylord Family OK Mem
Saturday, Nov 30 Auburn Tigers Bryant-Denny Stadium, Tuscaloosa, AL 3:30-8:00pm
Saturday, Dec. 7 SEC Championship
SEC Championship Game
Thursday, Aug 29 Alcorn State Braves Protective
Saturday, Sep. 7 at ULM Warhawks Malone Stadium, Monroe, LA 7:00pm
Saturday, Sep. 14
Saturday, Sep 21 OFF Saturday, Sep 28 Navy Midshipmen
Saturday, Oct. 5
Oct.
Saturday, Oct 19 at USF Bulls
Saturday, Oct 26 OFF
Saturday, Nov. 2
Saturday, Nov 9 UConn
Saturday, Nov 16 at Memphis
Saturday, Nov. 23 Rice Owls
Saturday, Nov. 30 at Charlotte 49ersJerry
Dec
THE VALUE OF AGING IN PLACE
Healthcare Access: Birmingham is home to renowned healthcare facilities, including the University of Alabama at Birmingham (UAB) Hospital, providing comprehensive medical services and specialized geriatric care.
Senior Services: The city offers various programs through organizations like the Jefferson County Office of Senior Citizens Services, providing resources such as meal programs, transportation, and caregiver support.
Affordable Housing: Birmingham has affordable housing options for seniors, including assisted living facilities and independent living communities.
Community Engagement: Numerous community centers and programs cater to seniors, offering social activities, fitness classes, and educational workshops to keep them engaged and active.
Public Transportation: The Birmingham-Jefferson County Transit Authority (BJCTA) provides public transportation options that are seniorfriendly, making it easier for older adults to navigate the city.
Safety and Accessibility: Efforts to improve the city's infrastructure, such as safer sidewalks and pedestrian-friendly areas, enhance accessibility for seniors. These highlights make Birmingham an attractive place for seniors looking to age in place with a good quality of life.
When it comes to aging in place, here are some key factors that will ensure the best quality of life...
Make necessary modifications to make the home safer and more accessible. This might include installing grab bars in bathrooms, widening doorways for wheelchair access, or adding ramps for entryways.
Connect with community support for local resources and services that can provide support, such as home healthcare agencies, meal delivery services, transportation assistance, and senior centers.
Continue to foster social engagement and stay connected with friends, family, and the community. Loneliness and isolation can have negative impacts on health and well-being, so participate in local social activities and clubs.
Get the technology and assistive devices to enhance your independence and safety at home This might include medical alert systems, smart home devices for monitoring and controlling home appliances, better lighting, or wearable health trackers.
Establish a plan for managing your healthcare needs as you age. This may involve selecting a primary care physician, discussing advance directives and end-oflife care preferences, and ensuring you have access to necessary medical services.
Have an emergency preparedness plan for responding to emergencies, including who to contact and what to do in various situations.
Develop a financial plan that accounts for the costs associated with aging in place, such as home modifications, healthcare expenses, and potential long-term care needs. This may involve consulting with a financial advisor or exploring options for government assistance programs.
Lastly, surround yourself with emotional support and encouragement throughout the process. Transitioning to aging in place can be challenging, and having a supportive network can make a significant difference in your overall well-being.
Safety concerns: If you are having difficulty performing daily tasks safely, such as bathing, dressing, or managing medications, assisted living may be necessary.
Healthcare needs: If you require regular medical supervision or assistance with managing chronic conditions, assisted living facilities can provide the necessary support.
Social isolation: Loneliness and social isolation can have detrimental effects on seniors' mental and emotional well-being. Assisted living communities offer social activities and companionship.
Mobility limitations: If mobility issues make it challenging for you to move around your home or community independently, assisted living with accessible facilities and support can improve your quality of life.
Caregiver stress: If family caregivers are experiencing burnout or finding it increasingly difficult to meet your needs, transitioning to assisted living can alleviate some of the burden.
Memory decline: If you are experiencing cognitive decline or dementia, assisted living communities with memory care services can provide specialized support and supervision.
Household maintenance: Difficulty with household chores, such as cleaning, cooking, and maintaining the home, can indicate the need for assisted living where these tasks are taken care of.
ssing the affordability of assisted living compared e and hiring necessary services is crucial for longal resources for you that will d ease the burden of moving, zing, and transitioning.
LOCAL ASSISTED LIVING OPTIONS
Is a local assisted living facility best for you?
Here are 3 local options to consider.
Birmingham, AL 35242
Danberry at Inverness offers a rich, active retirement lifestyle combined with the most advanced and in-demand residential design. Residents enjoy stunning architecture, beautiful senior living apartment residences, and lovely grounds near Lake Heather. They are offered an impressive selection of fun and engaging activities focused on mental and physical wellness.
Whether it’s Independent Living, Assisted Living, or Memory Care, Danberry at Inverness is the perfect blend of beauty, hospitality, community, and care.
Birmingham, AL 35242
Assisted living and memory care in Birmingham, AL has never looked better. With the Double Oak Mountain and lush greenery surrounding our community, Proveer at Grande View is the scenic destination for seniors and families seeking personalized senior living in Birmingham.
In addition to our care services, we provide vibrant and modern living amenities and benefits such as spacious petfriendly floor plans, daily nutritious meals, and a full activities calendar. Let us help you or your loved one age in comfort with a scenery that is unmatched.
Helena, AL 35080
Maplewood Lane is an assisted living/ respite care facility that opened in 1995 and is licensed by the State of Alabama. Our highly trained, experienced, and caring staff truly enjoys caring for the elderly and adults with special needs.
Residents will be encouraged to live an active life through the many social activities we offer. We provide a home-like atmosphere with professional care, based on years of experience.
Excellent Customer Service
SEASONAL HOME CHANGES
“Change is the only constant in life, and the seasons have their own unique way of reminding us of that." - Anonymous.
Fire Pits and Heaters: Install a fire pit or outdoor heaters to keep the space warm during cooler fall evenings.
Cozy Seating Areas: Arrange comfortable seating with weather-resistant cushions and blankets to create inviting areas for relaxation
Fall-Themed Decor: Use seasonal decorations like pumpkins, gourds, and autumn wreaths to enhance the ambiance
Outdoor Lighting: Add string lights, lanterns, and path lights to create a warm and inviting atmosphere as the days get shorter.
Outdoor Cooking: Set up an outdoor kitchen or grill area for hosting fall cookouts and gatherings.
Covered Spaces: Use pergolas, gazebos, or retractable awnings to provide shelter from fall weather while still enjoying the outdoors.
Gardening: Plant fall flowers and shrubs like mums, pansies, and ornamental grasses to add color and texture.
Rugs and Mats: Use outdoor rugs and mats to define spaces and add warmth underfoot.
Water Features: Incorporate a small fountain or pond to add a soothing element to the outdoor space
Entertainment Options: Set up an outdoor TV or projector for watching movies and sports games
Windbreaks: Use outdoor curtains, screens, or trellises with climbing plants to create windbreaks and add privacy.
Fall-Friendly Plants: Include plants that thrive in cooler temperatures, such as kale, cabbage, and other ornamental vegetables.
Outdoor Dining: Create a dining area with a sturdy table and chairs for enjoying meals outdoors.
Seasonal Scents: Use scented candles or outdoor diffusers with fall fragrances like cinnamon, apple, and cedarwood.
Layered Textiles: Add layers of outdoor pillows, throws, and cushions in rich, warm colors and textures.
Portable Furniture: Use lightweight, portable furniture that can be easily moved or stored as needed.
Children’s Play Area: Designate a space with outdoor games and activities for kids
Planters and Containers: Use decorative planters and containers to add height and interest with seasonal plants
Bird Feeders and Houses: Attract wildlife with bird feeders and houses to enjoy nature up close
Outdoor Art: Hang weatherproof art or sculptures to add personality and a touch of elegance.
FIRST TIME HOMEBUYERS & THE BENEFITS OF HOMEOWNERSHIP
Freedom allows you to make your home your own, in your style, and maintain your privacy
Mortgage payments allow you to build equity, which adds up over time
Your fixed-rate mortgage is predictable and fixed, it will not change over the life of the loan.
Tax benefits...deduct mortgage interest on your taxes
“Homeownership isn't just about securing a place, it's about anchoring dreams.”
EXP BUYER CLIENT
YOUR Representation
SERVICES...
As a client of eXp, your interests will always be my top priority, upheld with the utmost integrity and fairness in all interactions. Together, we’ll review the buyer representation agreement and I’ll provide a comprehensive overview of my services, the advantages you’ll gain from my representation, and a transparent insight into my compensation structure.
Property Search
I will listen carefully to your needs and wants and use my knowledge of the local market to select properties that fit your criteria and budget. You’ll get access to cutting-edge platforms such as, for example, eXp Exclusives (eXp’s proprietary listing network for on and off-market real property listings), that allow you to view and search for available properties according to your desired search criteria.
Offer
Once you select a property, I’ll provide a Competitive Market Analysis and guide you through the process of crafting, presenting, and negotiating your offer, ensuring you stand out and secure the best terms possible.
Due Diligence
At your request, I can recommend qualified service providers who can provide you with a wide array of property-related inspection services. Following your receipt of any property-related inspection reports and you having an opportunity to consult with your respective qualified service providers, I will assist you in navigating remedies available to you under your purchase contract, concerning any deficiencies identified in your property-related inspection reports. Your peace of mind and informed decision-making are my foremost priorities.
Transaction
I’ll monitor your transaction and keep you informed of all material updates from beginning to end. Throughout this process, I am committed to keeping you well-informed about all significant developments Should any questions arise from relevant service providers in your transaction (such as from your escrow officer, title officer, mortgage broker, etc ), I will work to ensure that those questions are promptly directed to the relevant parties.
Commitment to Fair Housing
My commitment to fair housing is unwavering. I pledge to strictly adhere to all applicable local, state, and federal fair housing laws, ensuring equitable treatment for all without exception.
Our Relationship
Although eXp’s duties will end upon completion of your transaction, our connection goes beyond the transaction. As a client of eXp, I’m committed to staying engaged with you at every stage - before, during, and after the sale. As needed, I’ll facilitate introductions to local resources and service providers.
Communication is tailored to your preferences, ensuring you’re comfortable with the frequency and method of contact. My aim is to not just gain your trust and satisfaction, but to cultivate a lasting client relationship, where you become an eXp “client for life.” I also extend the same high-quality service to those you recommend from your circle of friends, family, and colleagues.
THE BUYER ROADMAP
This is a brief summary of the timeline for purchasing your home. Remember, as your Real Estate Agent, I will be there to be sure you feel confident during each step of this process.
Interview
Find the right Real Estate Agent for you
Pre-Approval
Meet with a lender and get a pre-approval letter
Search
Begin your online home search
Earnest $
Deposit escrow and complete loan application within the time frame of the contract
Offer
After finding the right home, we will put in a strong offer and negotiate the terms of the contract
Inspections
Schedule inspections and negotiate any repair requests and issues from the inspection
Showings
We will set up showings and view the homes you are interested in
Financing
Order appraisal and obtain homeowners insurance
Last Steps
Receive clear to close from the lender and perform final walkthrough before closing
Closing
Hooray! Time to get your keys and celebrate buying your home
Getting past the Inspection with THIS OLD HOUSE
Find out what is normal settlement for the foundation, and what is not
Structural Inspection
A roof Inspection is wise for any roof over 15 years old
General Contractor Inspection
Leaky windows can lead to drafts, moisture intrusion, and energy inefficiency
Roof Inspection
Plumbing Inspection
Insufficient Plumbing can consist of cracked, corroded, or leaky pipes
AGENT SERVICES
... what happens behind the scenes when you sell
1. Prepare Listing Presentation for Sellers 2. Research Sellers Property Tax Info
Research Comparable
for
30. Explain appraisal process & pitfalls 31. Verify Homeowners Association Fees
Obtain a Copy of HOA Bylaws 33. Gather Transferable Warranties 34 Determine Need for LeadBased Paint Disclosure
Verify Security System Ownership 36. Discuss Video Recording Devices & Showings
Determine Property Inclusions & Exclusions 38 Agree on Repairs to Made Before Listing
Schedule Staging Consultation 40. Schedule House Cleaners
Meet Photographer at Property
Prepare Home For Photographer
Schedule Drone & 3D Tour Shoot 46 Get Seller’s Approval of All Marketing Materials
Input Property Listing Into The MLS
Create Virtual Tour Page
Verify Listing Data on 3rd Party Websites
Have Listing Proofread
Create Property Flyer
Have Extra Keys Made for Lockbox
Set-Up Showing Services
Help Owners Coordinate Showings 55. Gather Feedback After Each Showing
61. Obtain Pre-Approval Letter from Buyer’s Agent
62. Examine & Verify Buyer’s Qualifications
63. Examine & Verify Buyer’s Lender
64. Negotiate All Offers
65. Once Under Contract, Send to Title Company
66 Check Buyer’s Agent Has Received Copies
67. Change Property Status in MLS
68. Deliver Copies of Contact/Addendum to Seller
69. Keep Track of Copies for Office File
70 Coordinate Inspections with Sellers
71. Explain Buyer’s Inspection Objections to Sellers
72. Determine Seller’s Inspection Resolution
73. Get All Repair Agreements in Writing
74. Refer Trustworthy Contractors to Sellers
75. Meet Appraiser at the Property
76. Negotiate Any Unsatisfactory Appraisals
77. Confirm Clear-to-Close
78 Coordinate Closing Times & Location
79. Verify Title Company Has All Docs
80. Remind Sellers to Transfer Utilities
81. Make Sure All Parties Are Notified of Closing Time
82 Resolve Any Title Issues Before Closing
83. Receive and Carefully Review Closing Docs
84. Review Closing Figures With Seller
85. Confirm Repairs Have Been Made
86. Resolve Any Last Minute Issues
87. Attend Seller’s Closing
88. Pick Up Sign & Lock Box
89. Change Status in MLS to “Sold” v- OR BE FINED by the MLS!!!
90. Close Out Seller’s File With Brokerage
AGENT SERVICES
... what happens behind the scenes when you buy
31. Listen & Learn From Buyers At Each Showing
32. Keep Records of All Showings
33. Update Listing Agents with Buyer’s Feedback
34 Discuss Homeowner’s Associations
35. Estimate Expected Utility Usage Costs
36 Confirm Water Source and Status
37. Discuss Transferable Warranties
38 Explain Property Appraisal Process
39. Discuss Multiple Offer Situations
40 Create Practice Offer To Help Buyers Prepare
41. Provide Updated Housing Market Data to Buyers
42 Inform Buyers of Their Showing Activity Weekly
43. Update Buyers On Any Price Drops
44 Discuss MLS Data With Buyers At Showings
45. Find the Right Home for Buyers
46. Determine Property Inclusions & Exclusions
47. Prepare Sales Contract When Buyers are Ready
48. Educate Buyers On Sales Contract Options
49. Determine Need for LeadBased Paint Disclosure
50. Explain Home Warranty Options
51. Update Buyer’s Pre-Approval Letter
52. Discuss Loan Objection Deadlines
53. Choose a Closing Date
54. Verify Listing Data Is Correct
55. Review Comps With Buyers To Determine Value
56. Prepare & Submit Buyer’s Offer to Listing Agent
57. Negotiate Buyer's Offer With Listing Agent
58. Execute A Sales Contract & Disclosures
59. Once Under Contract, Send to Title Company
60. Coordinate Earnest Money Drop Off
61. Deliver Copies to Mortgage Lender
62. Obtain Copy of Seller’s Disclosure for Buyers
63. Deliver Copies of Contract/Addendum to Buyers
64. Obtain A Copy of HOA Bylaws
65 Keep Track of Copies for Office File
66. Coordinate Inspections with Buyers
67 Meet Inspector At The Property
68. Review Home Inspection with Buyers
69 Negotiate Inspection Objections
70. Get All Agreed Upon Repair Items in Writing
71 Verify any Existing Lease Agreements
72. Check In With Lender To Verify Loan Status
73 Check on the Appraisal Date
74. Negotiate Any Unsatisfactory Appraisals
75. Coordinate Closing Times & Location
76. Make Sure All Documents Are Fully Signed
77. Verify Title Company Has Everything Needed
78. Remind Buyers to Schedule Utilities
79. Make Sure All Parties Are Notified of Closing Time
80. Solve Any Title Problems Before Closing
81. Receive and Review Closing Documents
82. Review Closing Figures With Buyers
83. Confirm Repairs Have Been Made By Sellers
84. Perform Final Walk-Through with Buyers
85. Resolve Any Last Minute Issues
86 Get CDA Signed By Brokerage
87. Attend Closing with Buyers
88. Provide Home Warranty Paperwork
89 Give Keys and Accessories to Buyers
90. Close Out Buyer’s File Brokerage
home!LISTING YOUR
I have had 3 different real estate sales transactions with Michelle and all have been seamless and stress-free. All of our dealings have been above board and a pleasure to do business with. I would highly recommend Michelle for any and all real estate needs whether selling or buying. She is very professional and up-front in her real estate dealings!
- Danny H
I cannot express enough how much Michelle helped through this whole process! Her professionalism and knowledge of the business was evident in her extremely timely responses and suggestions. She was very patient as my needs and “must haves” evolved. It was also extremely helpful that she would point out items both good and concerning to my untrained eyes. If you are in the market to find a new home, call Michelle!! She will definitely help you find the right place to call home.
- Kendall
Michelle is very professional in each step of the homebuying process till the end and very attentive to your needs as to what you’re looking for in a home, give Her a call you won’t be disappointed!
- Eric B
Michelle went above and beyond to make my homebuying experience effortlessly. She did all the work and kept me updated. I will definitely use her for my next home purchase.
