With a passion for helping clients navigate one of life’s most significant milestones, Kourtney Kapfer is a dedicated and knowledgeable real estate professional committed to delivering exceptional results from start to finish. Whether you’re buying your dream home, selling a cherished property, or investing in the perfect opportunity, Kourtney is here to guide you every step of the way.
Specializing in the St. Charles, Lincoln County, and surrounding markets, Kourtney pairs her deep local expertise with a personalized approach to every client. Her innovative marketing strategies, market knowledge, and top-notch negoitation skills ensure a seamless real estate experience. Kourtney takes pride in building lasting relationships based on trust, transparency, and clear communication. When not assisting clients, Kourtney enjoys playing sand volleyball, attending Orange Theory classes, and spending time with family and friends.
If you’re ready to achieve your real estate goals with a trusted professional by your side, reach out to Kourtney today!
GLOSSARY
Contingency: A condition that must be met for the real estate transaction to proceed. Common contingencies include financing, appraisal, inspection, and sale of the buyer’s current home.
Comparative Market Analysis: A report that provides information on recently sold properties in the area to help sellers determine a suitable listing price and assist buyers in making competitive offers.
Deed: A legal document signifying the transfer of ownership of a property from one party to another.
Disclosures: It is your legal obligation to disclose certain details of the property when selling a home. Some necessary disclosures include damage or issues with features of the home, including the plumbing, roofing or electric.
Home Equity Line of Credit (HELOC): A line of credit that allows homeowners to borrow against the equity they have built up in their property, typically used for major expenses or investments.
Market Value: The estimated price at which a property would sell based on current market conditions, supply and demand, and comparable sales in the area.
Multiple Listing Service (MLS): A private database used by real estate professionals to share information about properties available for sale, allowing agents to cooperate and facilitate transactions.
Seller Concessions: The costs that a seller agrees to pay at closing on behalf of the buyer during the sale of a home.
Seller’s Market: Market conditions that exist when buyers outnumber homes for sale. Bidding wars are common. Prices are often higher than average.
Title: The legal document proving ownership of a property.
Under Contract: A status indicating that a property has an accepted offer and is in the process of moving towards closing, with certain conditions and contingencies yet to be fulfilled.
THE SELLER ROADMAP
Interview
Find the right Real Estate Agent for you
Pricing
Review comparable homes and establish a price for your home
Marketing
We will use a strategic marketing plan to ensure maximum exposure
MLS
Your home will go live on the MLS and will be viewable to potential buyers
Offer
We will review all offers and help you understand all the terms of the contract
Under Contract
After accepting an offer, your home will officially be under contract
This is a brief summary of the timeline for selling your home. Remember, as your Real Estate Agent, I will be there to be sure you feel confident during each step of this process. 1 2 3 6 5 4 7 8 9 10
Closing
Hooray! Time to hand over your keys and celebrate selling your home
Staging
Prepare your home to make its debut on the market
Photographs
We will have your home professionally photographed for the MLS
Negotiations
We will negotiate any repair requests made by the buyer
ABOUT YOUR HOME
1
What drew you to this home when you bought it?
2
What is your favorite feature of your home?
3
What do you like most about your neighborhood?
4
What are some nearby attractions and amenities?
5
What don’t you like about your home?
ABOUT YOU
As your Real Estate Agent, my number one goal is to help you achieve your own. I make it my priority to understand your situation when it comes to selling your home so we can accomplish your goals.
1
YOUR WHY
Why are you moving? How soon do you need to move?
2 YOUR PLAN
What will you do if your home doesn’t sell in the expected timeframe?
3 OBSTACLES
Do you anticipate any major challenges with selling your home?
PRICING
We will work together to establish a fair market value for your home and make sure that you feel confident in the price that we set to list your home at. Our goal is to attract the greatest amount of buyers as soon as your home hits the market.
PRICING
Our goal is to price your home correctly the first time.
HOME VALUE
We will discuss what factors determine the price of your home.
FACTORS
What factors do NOT determine the price of your home?
MARKETING PLAN
We will work together to establish a winning marketing plan for your home. I approach each listing with a fresh perspective, so we will be sure to customize our marketing plan specifically for your property.
Create a professional listing flyer & in-home marketing book
Informative & engaging MLS listing description
Expose to associates at bi-monthly business meetings
Strategic & targeted postcard campaign
Hold Open House 1-2 weeks after placing property on the market
Promote at a Realtor Open House Luncheon
Use high resolution, professional quality photography
Target one-to-one social media advertising
Door-knock the neighborhood & pass out listing flyers
IMPORTANT INFO
Preferred day for photographs:
Open house best day/time:
Is a showing appointment required? If yes, preferred notice?
Do buyers need to take their shoes off?
Will pets be in the house during showings?
Do you have a security system that will be on during showings?
PHOTO PREP
CHECKLIST
Clean the entire house
Create a list for the photographer of areas of your home your want them to capture (and any areas you do not)
Turn on all lights, lamps and overheads. Be sure to replace any burned out bulbs
Shutters and blinds should all be set to matching angles
Clean all glass mirrors
Declutter all counter spaces in kitchen and bathrooms
Turn off all ceiling fans
Remove your furry friends from the areas being photographed
Store away pet supplies, food bowls, toys, etc.
Cut the lawn and make sure your patio furniture is arranged
Sweep the porch and exterior area
MY LENDER OF CHOICE ABOUT JON
For more than 25 years, I’ve had the privilege of helping individuals and families navigate one of the most important financial decisions of their lives — home financing. Over the course of my career, I’ve personally closed more than 3,200 loans and supported my teams in closing thousands more. But what matters most to me isn’t the numbers — it’s the people behind them.
Every client’s situation is unique, and I take the time to truly understand your goals, concerns, and long-term plans. In a lending market that has seen its share of ups and downs, experience matters. I’ve worked in nearly every facet of the mortgage industry — from managing a 55-employee division of a Fortune 500 mortgage company in Chicago to consistently serving as a top-producing loan officer and team leader. I’ve also hired and mentored hundreds of professionals throughout my career.
What does that mean for you? It means you’ll have someone in your corner who has likely seen your situation before — and knows how to navigate it smoothly. My job is to remove uncertainty, anticipate challenges before they arise, and guide you confidently from application to closing.
While I take my profession seriously, I believe relationships matter just as much as results. I value honesty, clear communication, and making the process as stress-free — and even enjoyable — as possible. Many of my clients become long-term professional relationships and friends, and that’s something I’m incredibly proud of.
Outside of work, my wife and I are passionate about rescuing animals. Our home often includes a few dogs, cats, or other pets in need of care and a second chance. If you know someone looking to adopt, we’re always happy to help. Family time is also very important to me, and I enjoy relaxing with a good book or documentary whenever I can.
I genuinely love what I do and remain deeply committed to serving my clients with integrity, knowledge, and heart. I would be honored to earn your trust — not just for one transaction, but for a lifelong professional relationship.
DO YOU NEED TO BUY BEFORE YOU SELL?
NAF CASH®
Buying in cash means convenience, certainty and could mean a cost saving too. With NAF Cash, an affiliated company of New American Funding, you can make a competitive, true cash offer that is not contingent on financing and close in as little as seven days without having to sell your current home first.
PROGRAM HIGHLIGHTS:
• Allows Buyer to Become a Cash Buyer
• Purchase Your Dream Home Before Selling Your Current Home
• Help Qualified Buyers Win in Multiple Offer Environment
• Conventional and VA Loan Programs Allowable
NAF BRIDGE LOAN
Avoid missing out on the home you really want because your current home has not yet sold. This product bridges the gap by giving you funds to cover the new purchase while finalizing the sale of your current home.
PROGRAM HIGHLIGHTS:
• Use Equity From Your Existing Home Towards the Purchase of a New Home
• Ability to Present a Strong Non-Contingent Offer, Giving You a Competitive Edge in the Market
• No Monthly Payments During the Loan Term Reducing the Financial Stress of managing Two Mortgage Payments
NAF RECAST
The NAF Recast allows you to buy your next home now and adjust your Mortgage balance later. With a recast, you can purchase without selling first, then apply proceeds from your sales to reduce your mortgage balance and monthly payment.
PROGRAM HIGHLIGHTS:
• Reduce Principal Balance and Re-Amortize Loan
• Monthly Payments Reduced Accordingly
• PMI Can Be Eliminated in Some Instances
ADDITIONAL NOTES
“Real Estate is not simply a job for me, it is my passion. I am dedicated to helping each and every one of my clients achieve their real estate goals and have an exceptional home buying experience.”
-KOURTNEY KAPFER
Kourtney Kapfer
Thank you for choosing me to help you in the task of buying your home. I look forward to working with you to help you achieve all of your real estate goals.
