Kelly + Co 2023 Buyer's Guide

We want to thank you in advance for taking the time to read this magazine and consider its information On each page, we want to show you how important you are to us, how important your home-buying goals are to us, and how much Kelly+Co. loves this community. Every single one of us on the team has a mission to CARE about you and your family, SERVE you at the highest level possible and GIVE back to this community Once you have reviewed this information and witnessed how successful our approach is to our clients, we trust you will want to partner with us on the purchase of your new home Thank you for your consideration – we truly look forward to serving you and

Kelly Allen

WHY WORK WITH US?

24 YEARS OF EXPERIENCE

2%

PAY 2% LESS THAN THE AVERAGE BUYER

40% OUR BUYERS WIN THEIR HOME 40% MORE THAN OTHER BUYERS

1018 NUMBER OF BUYERS THAT WE HELPED

SCANTO WATCHBUYERS VIDEOS

KELLY & THE TEAM

OUR PROMISE

Thank you for choosing to work with Kelly + Co and here is Our Promise.

We will exceed your expectations by being solutions-based and service driven.

We will over-communicate with you and make the whole process as smooth as possible.

We will work diligently as a team for you to create a five-star experience.

We'll know we've done a great job when by closing, you'll want to introduce us to a friend you know that also has a real estate need.

HOW WE WILL START YOUR PERSONALIZED HOME SEARCH

1. Research all current listing leads in our database

2. Utilize private agent Facebook groups

3. A Team of Agents finding Off-Market Homes

4. Setting up search in FMLS & Zillow

5. Call Neighborhoods and Doorknock

6. Continous communication with Buyer’s Agents to leave no stone unturned

YOUR TOP 3 MUST-HAVES FOR YOUR NEW HOME:

HIRE

MAKE AN OFFER

• Initial offer amount

• Earnest money

• Type of financing

• Closing and Possession dates

• Inspection, Financing, Appraisal and other contingencies

• Other conditions

• Copy of pre-approval letter

• Buyer’s letter to the Seller

• Choose attorney

DUE DILIGENCE PERIOD

UNDER CONTRACT

• Due diligence, Finance, Appraisal and other contingencies begin (during Due Diligence Buyer can cancel without penalty)

• Schedule home inspections

• Deliver earnest money

• Secure lender and start financing process

HOME INSPECTION

• Between 1-10 days after binding, unless otherwise stipulated in contract

• Your agent will attend the end with you to review defects with inspector

• Inspections Include: Main/General, termite, radon (appx. 3 hours)

• Supplemental based on Inspector’s findings/buyer’s requests – HVAC, electrical, roof, structural, plumbing, etc.

NEGOTIATE INSPECTION ISSUES

APPRAISAL

• Review key findings with your agent!

• Obtain contractor repair estimates if desired

• Submit repair request to Seller or request money towards closing costs or off price

• Finish negotiating repairs/ allowances

• Due diligence ends (Buyer can no longer terminate for any reason without penalty...only contingencies left are finance and appraisal if applicable)

• Lender orders, you pay up front (appx $450-550)

• Home either appraises at or above sales price or price and terms are renegotiated

inspection repairs have been completed, if applicable

• Finalize all lender requirements

• Obtain final loan commitment and clear to close from lender

be turned on the date you take possession

• Submit change of address to USPS and services

• Book moving company

• Review ALTA Statement with your Closing Concierge & Lender

• Review paid receipts from completed inspection repairs

• Wire your down payment and closing costs to closing attorney 24 hours before closing

Closing may be attended in person, via Power of Attorney or as a mailaway (appx 1 hour)

• Receive keys, any documents/ manuals, etc.

• CELEBRATE and move in!

Stay in touch!

• Tell your friends about us!

HOW WE PROTECT YOU

We study the way homes are bought and sold. Through experience we know that buyers are judged on what they say, do, wear, drive, how long they spend in the home, what questions they ask and more...the more you say, the more likely something will be used against you in negotiations.

Help us protect YOUR best interests:

FOR SALE SIGNS

Use our KW App to learn more about homes you see while driving around.

FOR SALE BY OWNERS

They will pay our commission if we call them first, so snap a picture and text/email it to your agent.

OPEN HOUSES

Simply give the agent at the house your agent’s business card so that they will follow up with us, not you.

NEW CONSTRUCTION

Again, simply give the on-site agent your agent’s business card so that they will follow up with us, not you.

HOMES LISTED BY OTHER COMPANIES

We can show you homes from all real estate companies, not just Keller Williams

HOME INSPECTION BASICS

A few things you should know about a home inspection:

• You should schedule between three and four hours with your inspector.

• Treat this time like an “educational day” to get to know the inner workings of the home you are buying.

• Try to come well caffeinated, and with a full belly It’s best to be without kids, but do bring a tape measure and an open mind – ready to absorb a lot of information.

The inspector will look for issues within the home that are defective, not up to code, or of a hazardous nature. He will also highlight any potential issues, in addition to pointing out mechanicals that may be near the end of their lifespan. The inspectors are “generalists” who know “a little about a lot of things.” Once the inspection concludes, you and your agent will have a “huddle up” with the inspector to determine what the most significant concerns are. Once you ascertain what inspection items need further investigation, your agent will help obtain estimates for repairs from “specialist” contractors. Please do not hesitate to ask your agent and the Inspector any questions along the way!

Your home inspection will include but may not be limited to:

• HVAC

• Plumbing

• Electrical

• Windows

• Doors

• Appliances

(Usually not washer & dryer)

• Siding

• Roof and framing

• Main water shut-offs

• Crawl space supports

• Basement supports

Additional add-on inspections: Lead-based paint, radon, mold, septic, pool. stucco

UP-FRONT COSTS

(For Buyers Once Under Contract)

1% of Sales Price* = Earnest Money

$400* = Inspection Fees

$525* = Appraisal Fee

CLOSING COSTS

(Paid at Closing by Buyer/Seller)

• $600* Attorney Fees

• 0-1% Mortgage Origination fees

• Tax escrow = 1 quarterly payment*

• Homeowner insurance escrow = 1 quarterly payment*

• $1500* Home Owners Insurance Policy

• Pro-rated portion of real estate taxes for the amount of this year that you’ll own the home

• $10 Flood certification fee

• $25 Credit report fee

• $800* Lender’s title insurance

• $650* Owners title insurance

• $175* Title Exam

• $400* Government recording/transfer fees

• Intangibles Tax - $3/$1000 of loan amount

*Please note that the closing cost list is an approximation and your final closing costs. They vary from buyer to buyer, based on your loan fees, tax amounts, etc. This is purely a guide and is not exact amounts.

ADVANTAGE #1 - “LOVE IT OR LEAVE IT”: If for any reason you need to sell your home in the first 12 months, we will sell it for you for free. This does not apply to corporate relocation. You would still pay the Buyer Agent Commission (suggested 3%) but Kelly+Co will charge nothing for the listing commission

ADVANTAGE #2 - RAVING FANS CLUB: You will have a lifetime membership to our Ravings Fan Club with benefits such as FREE use of our party supplies, tables, chairs, ladders, power washers, margarita machines, chocolate fountains, use of office conference/meeting rooms & amenities such as WIFI, copiers and notary.

ADVANTAGE #3 - CANCELLATION GUARANTEE: If for any reason you're not happy with us, you can cancel our Agency Agreement at any time with nothing owed and no penalties You aren’t locked in and we work hard to keep earning your business everyday

ADVANTAGE #4 – ADVANCED HOME FINDING STRATEGY: Low inventory can be a buyer’s biggest challenge in today’s market Instead of just waiting for homes to come on the market, we used an advanced strategy that puts you in front of homes as soon as they list & in front of homes BEFORE they even list

ADVANTAGE #5 - DISTRESSED SELLER PROGRAM: We give you access to motivated sellers who are looking to sell their home below market value- foreclosures, short sales, absentee owner of vacant homes bank owned homes, HUD repo homes, and more We put you in front of the best deals in the market

ADVANTAGE #6 – ANYTIME SHOWING PROGRAM: We schedule home showing requests on YOUR time frame, including For Sale By Owners, Vacant Land, or New Construction. We’re a team of full time agents. One of our Agents or licensed Showing Partners will be available to schedule at times convenient to you

ADVANTAGE #7 – CUSTOM LOAN PROGRAMS: We assist you FAST pre-approvals and the best financing for your individual situation, with the best interest rates, and, giving you an advantage when making offers.

ADVANTAGE #8 – STRATEGIC NEGOTIATIONS ADVANTAGE: Our full time agents are trained experts in negotiations We will provide you comparable sold properties and evaluate the Market Value to ensure you have the best possible Negotiation Advantage We have the best strategies for obtaining the very best possible price, terms, and closing costs for you.

ADVANTAGE #9 – TEAM VS ONE - Hiring a Kelly+Co agent means that you are hiring a SPECIALIST We’ve found that details get overlooked when one agent is doing the job of several people From showing homes, to listing homes, to finding homes, to marketing, to attending inspections and closings it’s impossible to be excellent The agent you hire is only responsible for finding your new home and getting you to closing.

ADVANTAGE #10 – WE WILL FIGHT FOR OUR COMMISSION TO BE PAID BY THE SELLER - On rare occasions our 3% commission won't be 100% paid by the Seller We will notify you when this is the case and do our best to get it covered by the Seller, the Listing Agent or covered in your closing costs In all other cases the only fee you pay for our services is a low $395 when we get to closing.

ADVANTAGE #11 – 73+ YEARS OF EXPERIENCE WORKING FOR YOU: We’ve helped thousands of Buyers just like you achieve their goals for their new homes From searching to contracts to inspections, appraisals and to closing we will protect and serve you now and for all the years you own your home

Perks

WORKING WITH US MAKES YOU THE KELLY+CO FAMILY

Being a Kelly+Co client means you'll be invited to participate in ALL the fun perks, events, webinars, contests, have access to our great vendors and contractors, and rentable items we have!

Keep reading for more info!

CLIENTEVENTS

EXCITING GIVEAWAYS

We host several exciting giveaways throughout the year! We've done really fun things like a week in the Florida Keys, a Peloton, cash and more!

VIP CLUB INFO

Did you know you'd have free access to lots of really great items, including a bounce house, movie screen and projector, a carpet cleaner, a power washer, AND MORE?

OURVENDORS

You'll have full access to our carefully curated list of team vendors and contractors! Let us know if you ever need an expert and we'll give you our recommendation!

This year we have the following client events planned:

February- Valentine's Day Giveaway!

April- Braves game @ the Xfinity Rooftop

November - Pie & Nothing Bundt Cake Giveaway!

Be on the lookout for more info on how to RSVP for these as we get closer to each one! We'll send out info via our monthly postcards, as well as an email and call from your agent!

OUR EXCLUSIVE FB COMMUNITY GROUP

We are VERY active on social media (give us a follow!) and we ' ve created a community group for our past clients to stay connected to us and each other!

OUR HISTORY OF EXCELLENC

Kelly and her Team are wonderful We are in the process of selling our current home and purchasing a new one Kelly has already been very knowledgeable about our area and the market We are also kept up to date on changes that could affect us and our home.

Alison belknap is the best agent anyone can ask for (especially for first time home buyers)! She is on top of everything and really takes the time to explain what is going on The team she also works with is great. They get things done and it was a very seamless close Alison basically becomes like family and I hope to work with her in the future! Thanks again for verything!

-Emily

Jordan Rush is a first-rate realtor, knowledgeable, patient and a pleasure to work with We worked with her for buying a home and selling a home and she was always prompt and clear in her communications and provided sound professional guidance at every juncture in the processes

-Mark

Shuna was excellent, extremely responsive, and absolutely delivered I went into the market as a first-time homebuyer, expecting difficulties given the current situation of the market and low inventory but Shuna made the process so easy and seamless She took my needs into consideration and within one month of looking, we found an amazing home she negotiated and got my offer accepted. Still, mind-blowing how easy everything was with her on my side 10/10, would recommend -Wando

My husband and I recently purchased our first home with Kelly+Co's Jennifer Burns's help We loved Jen the moment we had our first call with her. She is nothing if not honest and frank She had a clear understanding of the market, set our expectations and discussed her strategy All it took was one visit to couple of houses and she understood exactly what we were looking for in a home Next time around, before we could send her a listing, she had already booked the appointment for us Her reason - "When I looked at the house, I thought you would really like to see this house" I mean if that is not mind-reading then what is! And lo and behold! That is the house we ended up purchasing! We also loved the fact that every person she refers us to - be it a plumber or a roofer, they all turn out to be exceptional just like her!

-Saranya

5 stars to David! My husband and I were on a strict timeline to sell our home, and David exceeded our expectations every step of the way He was honest, communicative, and willing to answer any and all questions we had without hesitation or degradation David is sharp, hungry and a true go-getter. Highly highly recommend him for and of your buying or selling needs, you will not regret your decision -Simms

FREQUENTLY ASKED QUESTIONS

1. How long have you been in residential Real Estate sales?

Experience is critical in this market. Contracts can fall through for dozens of reasons. Having someone on your side who has been selling homes long enough to have successfully navigated through these roadblocks is essential to a successful home sale and purchase. We have been in the business for more than 24 years and collectively have over 66 years of experience that we put to work for our clients.

2. What strategy will you use to help me find my new home?

In a market, with tight inventory, you MUST have a local agent that knows ALL homes for sale...not just the ones that are listed in the MLS. In addition to setting up a search to update you in real-time when homes list or reduce into your price range, we also call through neighborhoods that you want to live in and network online and by phone with other agents and home sellers to find you unlisted properties to see, as well as the ones that are listed!

3. How will you help me win in a multiple-offer situation?

This is so important! We have a proven strategy for helping our buyers WIN when they aren’t the only buyers that want a house! It all begins with predicting which homes will get multiple offers and then interviewing the listing agent to learn what’s important to the sellers. Then, we can come back to you and develop a strategy that gives easy wins to the sellers while also getting you exactly what you want- the house at the right price. Oh, and other agents like to work with us so that helps our buyers too!

4. Tell me things that make you different from other Realtors and how will they help me?

We recognized the lack of transparency and abundance of complacency in our business. Also, there is so much waiting...waiting for homes to come on the market...waiting for a buyer to like our listings. Waiting isn’t something we’re good at. We decided to change the way real estate is being done by:

Finding homes that AREN’T listed for our Buyers to see. There is and always has been “coming soon” inventory or people who would sell but just haven’t pulled the trigger yet. We find those people for our buyers.

Communicating...A LOT. We provide transparency throughout the buying process through constant communication and updates.

5. How will you educate me about the current market? And What can I expect at our first meeting?

We love educating our clients about the market! First, we’ll let you know what kind of market you’re buying into - a Buyer’s market, a Seller’s market, or a Balanced market. Next, we’ll show you how long homes are typically staying on the market and how much you can expect the seller to negotiate.

6. How and how often will you be communicating with me?

We want to communicate the way YOU want to communicate. Many of our clients like text messages and emails. Lots still like a phone call. We’ll be communicating with you several times per ek if not each day!