New Client Packet

Table of Contents

LEARN ABOUT YOUR AGENT MEET THE TEAM ABOUT YOU STEPS TO FINDING A HOME GET YOUR PRE-APPROVAL/MEET MY PREFERRED LENDERS WHY CHOOSE A LOCAL LENDER HOW TO CHOOSE THE RIGHT LENDER PRE-APPROVAL CHECKLIST PICK YOUR DEAL BREAKERS PICK YOUR HOME FEATURES TIPS TO HOUSE HUNTING RESOURCES: SCHOOL RATINGS & CRIME LET'S MAKE AN OFFER THE "DON'TS" OF BUYING A HOME WHAT HAPPENS AFTER AN OFFER IS ACCEPTED FLORIDA FAR/BAR CONTRACT

Kristina Lewis

I am a Pensacola native and Florida girl through and through. I'm passionate about traveling, If I am not here working, you'll find me on a road trip or on a plane to somewhere I've never been before. Lucky for you my second passion is food, if you need a restaurant recommendation or want someone to grab lunch with, I'm phenomenal at these things! I spend my free time in town hanging out with my dog Theodore, and staying active by playing volleyball and working out.

Before my career in Real Estate, I worked on my B.S in Physical Education Teaching Degree from University of West Florida while simultaneously working on what would turn out to be nearly a decade spent managing for hotel brands such as Hilton and Marriott. These two things have been an incredible transition as I pride myself on leading with customer service and the ability to maintain composure while thinking quickly when this crazy industry throws us a curveball. I learn something new in this industry every day and what I do not know, I can quickly find out!

I appreciate the opportunity to be the lead problem solver on your home buying journey! Choosing the right home takes a lot of patience and understanding of the current market. My team and I (you will meet them shortly) will be with you every step of the way to make sure you are provided with a professional and comfortable experience. There are many moving pieces from start to finish, I assure you you are in the absolute best hands with myself and The Creel Group.

"Here's the deal I'm the best there is Plain and simple I wake up in the morning and I [radiate] excellence" Ricky Bobby

Meet the

TeamI told you you'd meet the team soon! These amazing ladies work diligently to assist in getting us to the closing table If I don't have the answer, they absolutely will, and are readily available to help Without them, the chaos of the behind scenes would not be tamed as they are a major part in building and maintaining relationships between everyone involved!

Kayci Amos has been in the Real Estate Industry for the past 7 years both as an assistant, as well as a licensed agent in Indiana With her extensive knowledge of the Real Estate market, Kayci is the best choice in helping our clients navigate the home buying process once the initial contract has been signed. After moving to Pensacola area with her family, Kayci fell in love with the white sandy beaches, the Gulf, and the friendliness of the South She loves exploring Farmer's Markets, bike riding, relaxing on the beach, and even occasionally diving with her husband, exploring what the Gulf has to offer under the surface!

From the time we get a Listing appointment to the time you sign an accepted offer, Kelly handles it Kelly has 5 years of experience in the Real Estate field She enjoys meeting our Listing Clients when she comes out to your home, taking dimensions, hand selecting each photo of your beautiful abode to feature on the MLS, and writing the description of your home. She is also great at handling our social media and creating advertisements that draw peoples attention In her free time she loves hanging out with her family at the beach, finding new restaurants and traveling

“This woman is strong, confident, and powerful. Boss, I tell you, I’d hate to see you and Michelle Obama arm wrestle, but I wouldn’t be able to take my eyes off of it, either.” Ted Lasso

Kelly Jones Listing Coordinator

Kayci Amos Transaction Coordinator

AboutYou

Local Lender

1 | RELIABILITY

Everyone involved in the process, sellers, real estate agents, and you, the buyer, want the loan to close on time Local lenders have a better reputation for closing loans on a timely basis If the closing of a loan has to be extended by a week, and then extended again after that week is up, this could cause a certain amount of stress and uncertainty In the worst case scenario, if a loan is denied at the last minute after a buyer has already paid an earnest money deposit, this could cause the buyer to lose his deposit as well as miss out on buying the home of his or her dreams

2| REPUTATION, REPUTATION, REPUTATION

Local lenders and real estate agents have an incentive to provide you with excellent service because they want you to be a source of referrals for future business. They know that whether you have a great experience or a bad one, your friends and relatives are going to hear about it. These people live and work in the local area, and thus, it is their reputation and livelihood that is at stake.

3| PERSONAL SERVICE

You can meet your lender face to face and ask questions in person if need be In an era when phone calls are considered intrusive and people generally don’t like talking on the phone, I find that meeting people face to face can be very effective for resolving issues I think it slows down the pace of the discussion and it is more effective for getting on the same page

4|

LOCAL EXPERTISE

Besides knowing the area and local real estate market, a local lender will appear more attractive to certain home sellers and real estate agents because of the importance of a timely closing and a smooth process In a situation where several offers are on the table, having a local, trusted lender could be the difference between landing the house or not Some sellers and real estate agents may not even consider offers from national banks or online lenders because of previous bad experiences, or because of the bad reputation some of these have

Why choose a source: https://www bigvalleymortgage com/5 great reasons use local lender buying home/

"Chris was wonderful He pushed to have us closing on time and in our budget, even with having to switch loan programs last minute."

-Toby S

How

LOAN ESTIMATES

"Nate has helped us with several mortgages and refinances. He is truly professional and always willing to answer any questions that we have. He makes the experience as smooth and easy as can be."-Kristin

Wants and Needs

What are your deal breakers?

When it comes to choosing a home, the likely hood of finding EXACTLY what you want is slim. This process can be overwhelming and exhausting, hang in there, we will find the right home for you!

Let's take the time to choose 3 Deal Breakers

3 Deal Breakers

Pensacola, FL

City

Milton, FL

Gulf Breeze, FL Perdido Key, FL Destin, FL

Navarre, FL

Pace, FL Gulf Breeze, FL Orange Beach, AL

Cantonment, FL Fort Walton, FL Other

30A, FL

Tips for

House Hunting

FAQ "Is this neighborhood safe?"

I take ethics very seriously and so does NAR (National Association of Realtors). Although a seemingly harmless question, as a Licensed Real Estate Agent I cannot give a personal opinion on an area, this is a Fair Housing Act violation. What I can do is provide resources that will allow you to properly research to make that decision for yourself.

Location, Location, Location

Drive around neighborhoods that interest you to get a feel of the area, how the homes are cared for, what traffic is like, etc

Ask Around

Talk to family, friends, and co workers to see if anyone may know of a house for sale in an area you're interested in. They may know someone selling or can even provide insight on areas that match your lifestyle and needs

Keep an open mind

Finding your dream home isn't always an easy task! Have a priorities list but keep an open mind when viewing houses.

Take Pictures & Notes

When you visit multiple houses it is difficult to remember specific details about each one Take photos and notes while touring houses so that you can reference them later when comparing the properties that you've seen Don't be a Lookey-loo

Time is precious and the right home for you is out there. Using time to look at interesting homes but homes you ultimately are not interested in can keep you from finding THE ONE. Two important factors in any real estate transaction, TIME and COMMUNICATION

Establish a grading scale

On a scale of 1-10 what is this home? anything below a 7 is a no, FOCUS on 7s+

Thankyou for choosing

The Creel Group

Kristina Lewis Licensed Real Estate Agent 850-619-9276 kristina@thecreelgroupkw.com

The Creel Group