h omebuying guide
KELLY+CO CORONAVIRUS PROTOCOL We’ve spent 20 years preparing for this day. After 9/11 and through the 2007-2012 recession we’ve empowered our team and our clients through knowledge, calmness and problem solving. We are working to stay ahead of the virus and the changes it brings to our daily lives and take every precaution in order to ensure not only our team members are safe but our clients as well.
As of today we have implemented a policy that includes:
YOUR EXPERIENCED PARTNERS From the day you hire a Kelly+Co agent, and even past the day you step foot in your new home, consider us your dedicated real estate advisers. From that day forward, you are part of the Kelly+Co family. Whatever you need, we have the resources and expertise to guide your decisions. Throughout your transaction, you can come to us for both the little things and big, like comprehensive home insurance and competitive financing - we have the inside edge on both.
Kelly Allen CEO and Founder of KELLY+CO
After your purchase, ask us to recommend fully vetted service specialists or about how you can care for your home. Further down the road, should you ever want to sell, we'll be your trusted point person. You'll always have our number, and we'll always be ready to spring into action; just say the word!
YEARS IN BUSINESS
1k + TOTAL CLIENTS SERVED
CLIENTS SERVED IN 2019
or no deal WIN-WIN do the right thing INTEGRITY always come first CUSTOMERS COMMITMENT in all things COMMUNICATION seek first to understand ideas before results CREATIVITY TEAMWORK together everyone achieves more starts with honesty TRUST results through people SUCCESS
YOUR DREAM HOME
Your needs drive how and when we find your next home. From this day forward, everything we do will be motivated by your goals and how you imagine your life taking place in your new home. Once we get an understanding of where you see yourself, finding your dream home will move quickly, and with minimal interruption to your daily life.
Vuliz you deam home. What to Consider:
Price Condition Area
HOME BUYING 101
THE KELLY+CO HOMEBUYING PROCESS 1 PARTNER WITH AN
EXPERIENCED KELLY+CO AGENT
Absorb their local insight Get to know neighborhood inventory levels Gain access to off-market properties Review market averages
3 FIND YOUR NEW HOME
We'll create an FMLS search for you, which will then send you daily emails in real time as listings matching your critieria hit the market. Schedule home tours and plan an itinerary with your agent Nix homes that don't meet the mark
Complete needs assessment
2 GET PRE-APPROVED FOR A LOAN
Understand what you can afford
4 MAKE YOUR OFFER
AND NEGOTIATE THE TERMS
Determine your monthly mortgage payment
Review contract terms and time limit for offer
Obtain a pre-approval letter
Negotiate purchase price Choose a target closing date Sign the offer Deliver escrow check Stay in close contact with your agent
THE KELLY+CO HOMEBUYING PROCESS 5 UNDER CONTRACT Celebrate! Secure a home loan Acquire home insurance and send proof to your lender.
7 CLOSING DAY:
WHAT TO BRING Connect with your lender to wire down payment funds.
Schedule home inspection and negotiate repairs
Government-issued photo ID(s)
Order an appraisal
Neutralize contingencies. Schedule your closing Stay in close contact with your agent and lender
8 CLOSING DAY Sign closing disclosure, promissory note, and all other documentation Title transfer
6 BEFORE YOU CLOSE Transfer funds for closing
Deed delivery Get your keys - congrats, it's all yours!
Reserve a moving company and set a moving date Change your address through USPS, your bank, and other instances Set up your utilities to be activated or transferred Confirm that all contingencies are resolved Schedule the final property walk-through Designate a safe, dedicated space to save your final paperwork Stay in close contact with your agent, lender, and title company
Stay in touch with your agent for current or future recommendations regarding your new home, as well as to be updated
LOANS AT A GLANCE
FINANCING YOUR FUTURE HOME HOME LOANS AT A GLANCE
CONGRATS! YOU'RE APPROVED FOR A LOAN! Follow these tips to protect your loan.
Notify your lender of any address change, whether it's your home address or another listed on your application
Notify your lender of any salary or wage changes
Be prepared to provide proof of significant bank deposits
Acquire homeowner's insurance immediately after going under contract
Keep all forms of debt paid and in check
G et pre-approved f or your loan
Your loan goes t hrough underwriting
A pply for a m ortgage
You're cleared t o close!
G et your home a ppraised
Make large purchases using existing credit without first talking to your lender
Apply for or acquire any additional lines of credit
Pay off, transfer, or close credit balances unless your lender instructs you to do so
Change jobs without first talking to your lender
Co-sign for another person seeking to obtain a line of credit or to make a purchase
Pay off collections before conferring with your lender
HAVE-ON-HAND A month's worth of your most recent pay stubs
Last three months of bank statements
Copies of your federal tax returns and W-2â€™s from the last two years
A copy of your real estate agreement
The names and addresses of your employers over the last two years, compiled into one list
The names and addresses of your landlords over the past two years
Divorce/separation decree Child support papers Bankruptcy, discharge of bankruptcy papers
YOUR HOME LOAN
HOW WE'LL YOURFIND HOME HOW WEFIND WILL YOUR PERFECT HOME
Through our extensive network of Realtors, we'll ďŹ nd "Coming Soon" homes for you to see before they hit the market. The Pre-Approval, Perfected
Apply directly and digitally
Simplify and expedite the process
The Bottom Line
We'll set up a search on FMLS
Working with a Keller Williams agent that will alert you in real time like me has its perks. Whether this when homes are listed or is your first time securing a home prices are reduced to your loan, or it's your 15th and you're price range. ready for a better alternative, look to Keller Mortgage for a modernday mortgage solution.
Through community outreach, we'll ďŹ nd off-market homes for you to see. The ZeroPlus Loan
A Keller Mortgage exclusive
Eliminate signing and lender fees
Shave off up to $1,000 from
Enjoy super-low interest rates
We'll search for homes that were previously listed and, for Mortgage operates Keller reasons, didnt sell. in 49various states. Not currently available in New York.
OUR HISTORY OF EXCELLENCE Working with Angie to find and purchase a house was great! She is very professional and was very helpful throughout the entire process. She was able to quickly schedule showings for the houses we were interested in, and helped point out things that were good and bad about each property. Once we found THE house, she was able to describe exactly what we needed to do to win the multiple offer scenario, and get the sellers to go into contract with us. After that she put the dream team of broker/inspector/etc in place to fulfill the quick closing that the seller requested, and she was also a great negotiator! I would work with Angie again in the future for any real estate purchase or sale for sure! Landon. Bought home in 2019
Kristen was amazing to work with - her incredible work ethic, diligence, “can do” attitude, positivity and cheerfulness really were exemplary. She enjoys helping people find their next home and it shows. Colleen. Bought home in 2019
I can’t say enough about how much we enjoyed working with Matt! He was so knowledgeable, intuitive, respectful, patient, funny, and always positive/upbeat. He knows East Cobb SO well and truly listened to our preferences, and was never pushy - his goal was making us happy, not just trying to make a sale. He always went above and beyond in helping us, even going to preview some places for us when we couldn’t get out of work but didn’t want to risk missing out on seeing something. His follow through was great, and he really helped and supported us through some hiccups we ran into in the final stages of the homebuying process. He is part of a wonderful team too, so if for any reason at all he ever couldn’t be there for us, Kelly (who is amazing) or someone else surely would! It was an honor working with Matt and I’d recommend him to anyone! Tony. Bought home in 2019
As ﬁrst time home buyers, my wife and I couldn’t have run into a more professional, engaged, and fun realtor, Matt Bass. During our search, the market was quite competitive, and let’s be honest, my wife and I were a bit picky with choosing (and settling on) our ﬁrst home. The housing market can be tough and sometimes even feel quite unforgiving, for example, a decided buy and higher offer being passed-up from a competitor with cash-on-hand. However, when you have a realtor like Matt, you carry a genuine sense of knowledge and conﬁdence that you’re doing everything right. That, to us, was absolutely priceless. Persistence did pay off in our story, and we are absolutely LOVING our new home!!! We owe a great debt of gratitude and could never thank Matt enough for his all of his time and great deal of efforts into ﬁnding us our perfect home. Chirstopher. Bought home in 2019
Where to begin... My husband and I have been looking for our perfect home for a very long time. We went through two different agents that were unable to help us and then we met Traci. She was so patient and really listened to us. It didn't take long for her to ﬁnd our new forever home! I will never use another agent nor will I recommend another one...she' s the best! Julie. Bought home in 2019
Courtenay Wall recently sold our home in Marietta and we are just so thrilled with how Courtenay masterfully guided us along every step of the way. Her level of honest and quick communication was top notch and we were comforted by her knowledge and ability to help us through the selling process. I would absolutely recommend her to anyone looking for a real estate professional- know that you would be in calm and extremely capable hands to help you through any bumps that may occur in the buying or selling process. With her outgoing and relatable personality you would end with another friend and not just a realtor Tricia. Bought home in 2019 KELLYCOHOMES.COM
THE KELLY+CO PROMISE
OUR PROMISE TO YOU Kelly+Co would like to extend our sincerest gra�tude for choosing to work with us! We promise to provide you with excep�onal service and create a ﬁve-star experience every step of the way. It is with YOU in mind that we give you OUR PROMISE:
• We will exceed your expecta�ons by being solu�ons based and service driven. • We will make every eﬀort to limit surprises, and handle them accordingly when they arise. • We will work as a team in order to keep the process as smooth as possible. • Our team will focus on your wants and needs as a client, and always put you ﬁrst. • We will work diligently with you to create a ﬁve-star experience so outstanding that you'll want to recommend us to the people closest to you for their future real estate needs!
We'll know we've done a good job when, by closing, you introduce us to a friend, family member, or co-worker that needs to buy, sell, invest, or simply has a real estate ques�on.
LOVE IT OR LEAVE IT
OUR RISK-FREE GUARANTEE
LOVE IT OR LEAVE IT We are so certain we will help you ﬁnd the right home for you, that we are oﬀering you a risk-free gurantee. If within your ﬁrst year of purchasing your home, you don't love it, we will sell it for free.
Here's how you can get in touch with us 255 Village Pkwy #1417, Marietta, GA 30350 (404) 800-7111 firstname.lastname@example.org www.kellycohomes.com facebook.com/kellyandcompany.co @kellycohomes
Keller Williams Realty Market Center 3730 Roswell Rd, Suite 150, Marietta, GA 30062