The Giant Group Buyer Book

MEET THE TEAM

JENNIFER RAMEY, LA JEFFE

In 2015 Jennifer and her family decided to settle in the CSRA when her husband retired to Ft. Gordon and she could finally pursue her own career. Being too old to follow her lifelong dream of fire fighting, real estate seemed an equally hazardous career, with less knee pain. Always being a team player, she drew from her years of basketball and roller derby coaching to start a real estate team, she started the Giant Group in 2017 and has never looked back. With small teams that cover all of the CSRA, Lexington/Columbia and Central FL she enjoys empowering home buyers and sellers to accomplish their real estate goals no matter how big or small.

VICKI FLORES, LEAD GA TEAM AGENT

Vicki relocated from Summerville, SC to the Grovetown area in 2011 with her family as part of a military move. In 2017 after purchasing her second home, she decided to give real estate a shot and hasn’t looked back since! She loves working with buyers, sellers and investors alike. She is committed to educating and making the process as smooth and fun as possible. Vicki specializes in first time home buyers, investment properties and military families currently not stationed in GA/SC looking to buy or sell. When not selling real estate, she loves to read, be on the lake and spend time with her family and little yorkipoo, Biggie Smalls.

MICHELLE YANDLE, LEAD SC TEAM AGENT

Michelle was born and raised in Columbia County, GA. She moved to Charlotte, NC in 2009 where she eventually met her husband, Jon, and they moved back to the Augusta area in 2016 after their son, Odin, was born. Michelle and her family are now proud residents of Lexington County, SC! She is licensed in both SC & GA and prides herself in her knowledge of both the CSRA, as well as the Midlands and surrounding areas. If you’re ready to purchase or sell a home in either market, then Michelle is your girl!

MEET THE TEAM

ELEXIA LIEBERMAN , BUYER’S AGENT

Born in Florida but raised in Texas; I am a SOUTHERN girl through and through. I moved to Georgia in 2011 where I got my Associates Degree in Business and worked as a manager for several years. Once I decided to get into real estate, it was a no-brainer that I would join The Giant Group with Meybohm! I am an extrovert and love to meet new people! During my downtown I like to read mystery novels, play tennis, or spend time with my son, Landon. I love the client/customer relation side of the business and look forward to helping as many people as possible.

GEORGIA WEATHERS, BUYERS AGENT

Georgia was born in Atlanta but grew up in Evans, Ga. She is married to her high school sweetheart, Zach. They have two beautiful girls, who are their world. They love to spend their free time at the lake, traveling, and watching the braves, along with the Bulldogs. Georgia looks forward to serving the CSRA and helping you find your dream home.

MEET THE TEAM

LINDSAY STRAUGHN, DIRECTOR OF OPERATIONS

Lindsay was born and raised in the CSRA. Lindsay is happily married to her high school sweetheart and they have 3 boys. Lindsay and her family love God and have always been active in church ministry and that is where she met Jen. They became besties by bonding on their awkwardness and joined her real estate team in 2017. Lindsay loves being in the background organizing, scheduling, supporting and keeping everyone up to date on what’s happening.

DELAINA NICHOLAS, TRANSACTION COORDINATOR

Delaina Nicholas is the transaction coordinator for the Giant Group. She is task oriented and prides herself on doing a good job. She enjoys being in the background, making sure everything runs smoothly with the under contract transactions.

She spends her free time with her 5 beautiful children and amazing husband. She loves God and she stays active in her church. Delaina also enjoys building and refinishing furniture with her husband when there is time.

WE ARE ALWAYS WORKING FOR YOU!

Everything from start to finish was very professional and in a timely matter to put me and my family into a nice home in a amazing location that’s peaceful and relaxing, we love our new home, And we will definitely be referring other’s to them who are in the market for a forever home.

KEVIN B

OUR CLIENTS ARE TOP PRIORITY

After working with several agents, Vicki was above and beyond the best agent we’ve had. She is an extremely hard worker and very responsive even during off-hours. We bought a house from out of state and Vicki made videos for us of the houses and gave her expert advice on the houses and the neighborhoods. She is very knowledgable and always get the answers we need right away. After the sale, a lot of agents would collect their commission and be done but Vicki stuck around and made sure everything was right and we are taken cared of. She is professional but also personable. I have no doubts she can find the perfect home for you.

DAVY N

We couldn’t have asked for a better team to help us purchase our first home! We are so thankful Jennifer and Lindsay were there every step of the way to go above and beyond by helping my wife with the entire process while I was out of town. Jennifer was accommodating to our schedule when looking at homes and patient when we were deciding on the right home for us. Lindsay responded immediately answering all of our questions and requests. Our entire process was seamless and our buying experience couldn’t have went better! We will definitely be recommending them to others!

L CHEUNG

I first encountered Jennifer Ramey and The Giant Group team over two years ago and since I have purchased seven properties in the area. On every one of those transactions Jennifer and the members in The Giant Group have been involved in some aspect of those purchases. Jennifer and the team are very competent in their jobs and due to their knowledge, advice, and great work ethic they have helped me on my journey towards success in RE investing. They will continue to be a part of my real estate team and people that I can count on. Beyond them being professionals in what they do, they are also genuine and good people.

DEREK N

Fantastic experience with Jennifer and her team. They helped make our first home buying experience easy. Found a wonderful home we love. Even had a treehouse for the kids.

JEREMY M

BUYING YOUR HOME

MAKE AN OFFER!

Your Buyer Agent will guide you through making the right offer on your dream home.

Start home shopping with your Buyer Agent and find your dream home.

Call the Giant Group and speak with one of our AMAZING Buyer Agents. Your Buyer Agent will schedule a consultation to discuss what you are looking for in a new home.

Meet your Buyer Agent to discuss the home buying process and current market trends.

GET PRE-APPROVED from a lender to give you more negotiating power once you determine a home to submit an offer to.

STARTMeet with your Listing Agent to discuss market trends and pricing your home.

Call the Giant Group and speak with one of our AMAZING Listing Agents. They will schedule a Listing Appointment for your home.

Your home is now ACTIVE on the market and showings will begin immediately.

Provide a spare key to your home to your Listing Agent and they will install a lockbox and “For Sale” sign in your yard

Sign your listing paperwork.

Your Listing Agent will coordinate a time for our professional photographer to take photos of your home.

Once you are officially “Under Contract” it is time to order an inspection of the home. Your agent will negotiate any repairs.

RECEIVE OFFERS!

Your Listing Agent will guide you in evaluation and negotiating all offers.

Our Team will get to work on implementing your custom marketing plan.

Your Lender will order an appraisal of the home on your behalf.

COST:

The Lender will order an appraisal on the Buyer’s behalf.

Once your loan is approved, we will receive a CLEAR TO CLOSE!!

CLOSING DAY

Once your home is officially “Under Contract”, the Buyers will order an inspection of the home and any repair requests will be negotiated through your Listing Agent.

Once the Buyer has met all of their financing conditions and paperwork has been processed, we receive a CLEAR TO CLOSE!!!

SELLING YOUR HOME

WHERE DO I START?

THIS IS A HUGE INVESTMENT! MAKE A PLAN AND TAKE AN EXPERT WITH YOU! (THAT’S ME)

FIND a LENDER and know where you stand. I can make suggestions if you dont have one

Complete the preference form and send via email or text picture.

Complete the “Getting to know you sheet”. Real Estate Agents love to send gifts.

Sign The buyer broker agreement. Don’t worry you can fire me if you don’t like me. This just explains my job and ensures you know what I can do for you!

LENDERS

There are a TON of lenders in the area and out of state. Many of whom are amazing! If you have one you love, call them! If you don’t know where to start and need a suggestion, here are a few names. It should be noted I do not receive any referral fee for recommending any of these folks. I just like working with them. James Gay, Bank South 803.215.2412 I jgay@banksouth.com Alan Rabun, Colony Bank 706.564.1588 I alan.rabun@colonybank.com Denise DeFilipo, Movement Mortgage 719.425.0346 I Denise.DeFilippo@movement.com Once you have spoke to a lender, with your permission, they will let me know what kind of loans and budget we are working with. We want to structure your search around a very important variable, your budget.

WHAT DO YOU WANT IN A HOME?

MUST HAVES CAN’T HAVE WOULD LIKE

HOME BUYING VOCABULARY

APPRAISAL

A professional estimate of the market value of a property based on local market data and the recent sale prices of similar properties.

CLOSING COSTS

The costs to complete a real estate transaction in addition to the price of the home may include points, taxes, title insurance, appraisal fees, and legal fees.

EARNEST MONEY

A sum of money from buyer to seller at the time of entering a contract. If the property sale is closed, the money goes toward the purchase. If not, the money may be forfeited.

MULTIPLE LISTING SERVICE (MLS)

A group of online databases that provide real estate brokers with a look at the available housing in a particular market.

PRE-QUALIFICATION

An informal, often verbal, assessment of how much money a person could potentially borrow from a lender. This is often the first step during the mortgage process.

COUNTER-OFFER

An offer made in response to a previous offer. It may reject all or part of the original offer. Negotiations may be made to continue towards a mutually-acceptable contract.

DEBT-TO-INCOME RATIO

A ratio measuring total debt burden. It’s calculated by dividing monthly debt payments by gross monthly income.

INTEREST

The amount of money paid for the ability to borrow money.

PRIVATE MORTGAGE INSURANCE (PMI)

A form of insurance paid by homeowners which protects lenders from the possibility of the homeowner defaulting on their loan. In general, you’ll have to pay PMI if you use a conventional loan and make a down payment of less than 20%.

UNDERWRITING

The process a lender uses to determine if the risk of offering a mortgage loan to a particular borrower under certain parameters is acceptable.

Jennifer and her team were so helpful during our house buying and selling process. She was able to get our house sold the one week my kids were away! She got us the house we wanted at the right price when the housing market was going crazy. Super thankful for her and the team!

- Beth Ann