MEET BRANDON
2524953778
brandonblackman@hodgekittrellsircom
hodgekittrellsir.com/agent/brandon-blackman
blackmanrealestate
BrandonwasbornandraisedinEasternNorthCarolinabut haslivedinRaleighsince2008.He graduatedfromEast CarolinaUniversitywithaBachelor of Scienceandafter graduationhemovedto Washington,DC,toworkfor anon-profit HethenmovedtoRaleigh,wherehespent nearlyadecade workinginmarketingfor theYMCAof theTriangle,CampSeaGull,CampSeafarer andCampKanata.
Brandonthrivesonbuildingrelationshipsandbringshisunmatchedenergytoadvocateandnegotiate for hisclientswhenbuyingtheir perfect home.Heunderstandsthat buyingahomeisanimmensetask, andheworkshardtostreamlinetheprocesstomakeeverythingaseasyaspossiblefor hisclients When listingproperties,heuseshismarketingexpertise,creativity,andleverageof theSotheby?sInternational Realtybrandtoensurehisclientsthebest priceintheshortest amount of time.
Brandonenjoysflyfishing,golf,livemusic,andcheeringontheCarolinaHurricanesinhisfreetime. Whenhe?snot inRaleigh,youcanfindhiminEmeraldIsle,NorthCarolina,spendingtimewithhiswife, Katelyn,andhisgoldenretriever,Lucy
CLIENT TESTIMONIALS
"Inthismarket,creativityiskey Brandoncertainly displayedthat throughourhomebuyingprocess.He waswillingtogotheextramiletomakeusasbuyers stickout totheseller,andwithout adoubt wasthe reasonwewereabletobuythehousewedid Can? t recommendBrandonmore."
-Matt G
"BrandonwasreferredtomebytheDCTTR
Sotheby's Hewaskindandpatient andastoundingly strategic I relocatedfromDCtoNCandwhileI knewtheNCmarket wascompetitive,I donot think I waspreparedfor howcompetitiveit was Thefirst housewewent toseeendedupbeingthehouseI bought WhileI wantedtoplaceanofferduring ComingSoonstatus,Brandonadvisedmenot to. Thislet meknowright thenthat hehadmybest interest at heart HeisawesomeandI nowconsider himtobeafriend."
-CurtisS
GETTINGSTARTED
Congratulationsonyourdecisiontopurchaseahome It is anexcitingprocessandI'mhonoredyouhavechosenus to beyourtrustedadvisors.
IntroductoryMeeting
During this time I will get to know more about you and your decision to purchaseahome I'll ask your goals,your wants,your needs,and your timeline.I ll review theWorkingwith Real Estate Agentsbrochure(seesampleversiononpage6) andBuyer Agency Agreement tomakesureyouunderstandwhat it meanstohaveme represent youasyouragent
Get Pre-ApprovedwithaMortgageLender
Thisisthemost important first stepbecauseit will helpyoudetermineyour budget andpricerange.Your lender will write the pre-qualification letter, which is customarily required when submitting an offer. If you need recommendationsforatrustedlocallenderpleasereviewoursuggestionsonthefollowingpage
HomeSearch
Oncewehavedetermined your search criteriaand pricerange,wewill develop acustomTMLSsearchto keep youupdatedasnewlistingsbecomeavailable.Your searchportal will allowyoutocategorizelistingsaccordingto yourinterests.Onceyouidentifythehomesyouwouldliketovisit,I willset upashowingappointment.
MORTGAGELENDER RECOMMENDATIONS
I havealistoftrustedlocallendersI amhappytosharewithyou.Usingalocalmortgage lenderisalwaysrecommendedbecausetheyaremoreintouchwithourlocalmarketand uselocalappraisers .
BillDuff
First CitizensBank Cell:9199067866
Ema :billduff@firstcitizenscom bankers.firstctizens.com/mortgage/nc/ralegh/bill-duff NMLSNumber:412444
RobinPikeZevenhuizen
ResidentialMortgageAdvisors
Ce :919.740.0073
Email:robin@rmanccom wwwrmanccom/rpikezevenhuizen/ NMLSNumber:38306
BoydDavis
OakCityLendng Cell:9198896900
Ema :boyd@oclnccom www.oakcitylendingnc.com NMLSNumber:864921
KelseyBooleOwen
LoanPronto
Cell:7046026094
Ema :kelsey@loanprontocom wwwloanprontocom/our-team NMLSNumber:1975282
DUEDILIGENCEPERIOD MAKINGANOFFER
ResidentialPropertyDisclosureStatement Disclosures
Mandatory form with seller-provided information about the condition of the home's systems and structures,HOAinformation,andanydefects.
Mineral,OilandGasDisclosureStatement
Mandatory form with seller-provided information about anyintendedor previouslyseveredmineral,oil or gasrightstotheproperty.
Lead-BasedPaint Disclosure
Mandatory for homes built before 1978 which might present exposuretoleadpaint.
Important Termsonthe OffertoPurchaseandContract
DueDiligenceDeposit (DD)
A non-refundable "good faith deposit" made directlytothesellersthat "buys"your right to theDueDiligencePeriod DD depositsrange dependingonhousepriceandaggressiveness of offer.It isduein formof apersonal check, cashier?scheck or wireassoon asthesellers haveaccepted/signed theoffer Themoney is credited toward your purchase price at closing. If you terminatethecontract during the DD period for any reason, the sellers keep this money This is a 100% non-refundabledeposit.
Earnest MoneyDeposit
Typically about 1-2%of the purchase price, this money is typically held in an escrow account with the listing firm or the closing attorney This money is refundable if the contract is terminated during the Due Diligence Period, however, if the contract is terminatedafter theDueDiligencePeriod,the sellers will be entitled to keep this money. This deposit is also credited back to you at closing
DueDiligencePeriod
The date by which you will need to have completed your inspections and negotiated repairswith the sellers. Please note that the North Carolina Offer to Purchase and Contract (Item 4d) states that " unless the partiesagreeotherwise,theproperty isbeing sold in itscurrent condition." In somecases sellers will negotiate repairs or a repair allowance
HomeInspection
Wealwaysrecommendgettingahomeprofessionallyinspected.Wehelpwith orderingandscheduling inspectionsand you areresponsiblefor thepayment Theinspector will send adetailed report noting important factsabout thehomeandwill summarizeanyitemsof concern Sincethehomeinspector can only point out red flags, sometimesit isnecessary to consult with specialized professionalsto further evaluateanissueandproviderepair estimates.
- Onaveragecost rangesfrom $450-$900(dependingonageandsize)
- Usuallytakes3-4hours
- Youarewelcometoattendandaskquestions
AdditionalInspectionServices
Radon
Radon is a naturally occurring gas that emits from the earth. At high levels it has been reported to cause health issues. The radon testingisapproximately $150 If remediation is necessary,wewould obtain an estimatefrom a qualifiedmitigationcompany.
Septic/Well
If the home is on a septic system, it is recommended to haveasepticinspection which rangesinpricebetween$350-$450onaverage It isalso recommended, but not required, to have thetankpumpedat thetimeof inspectionwhich cost approximately $350.If thehomehasawell, it isrecommendedtohavethewater tested This test can vary in cost depending on the level of testingandturnaroundtimethat isrequired.
Roof
Homeinspectorstake alook at theroof but if it'solder or anissueisreported,it'swisetoget a specialist totakealook~$100
Pool
If the home has a pool the cost for pool inspectionistypically~$350
Pest/Termite
Most lendersrequireawood-destroying insect report (WDIR)~$85
HVAC
Home inspectorstest the HVAC units but if theyareoldor anissueisreported,it'swiseto get aspecialist toinspect them.~$150perunit
NEXTSTEPS
Negotiation
We will discusswhich itemsyou would like to ask theseller to repair and I will submit aDue DiligenceRequest form
Keepin mindthat thesellershavenoobligation to makeany repairsbecausethecontract states youpurchasedthehome"asis"
Appraisal
Your lender will order theappraisal,which tells thebankhowmuchthehouseisworthandhow muchtheywilllendtowardyourpurchase
ChooseClosingAttorney
Theattorneyensuresthat all legal requirements aresatisfiedbyboththebuyer andtheseller and verifies that the seller can legally transfer the deed of the property. You will choose the attorneyandI will contact themtoschedulethe closing
CLOSINGCOSTSGUIDE
OriginationFee:
percent ofloanamount chargedbythelendertopreparetheloan
Points:
apoint isequaltoonepercent oftheloanamount
Credit Report Fee:
Appraisal:
acredit report isrequiredforallmortgageloans requiredbythebanktodeterminethepropertyvalueandloanamount
Survey:
anexact drawingwithmeasurementsandphysicalfeaturesofthelot
PrepaidInterest:
Pro-ratedTaxesandHOADues:
HazardInsurance:
requiredtoprotect lenderandhomeowneragainst propertydamage interest ontheloanfromclosingthroughendofthemonth
MortgageInsurance:
requiredonconventionalloanswhenputtinglessthan20%down
Escrows:
buyerwillbedebitedorcreditedfortheirportionofownership (min of2monthsoftaxesandinsurancesarechargedat closing)
AttorneyFee:
fundsheldinaccount bylendertoassurefuturepayment fortaxesandinsurance chargeforattorneytohandlethelegalaspectsofclosingtheloan
Lender'sTitleInsurance:
protectsthelenderincaseoflegalclaimagainst theproperty/title
Owner'sTitleInsurance:
protectsthebuyerincaseoflegalclaimagainst the property/title
RecordingFee:
feetothecountyforrecordingthedeed
CLOSING CHECKLIST
Haveutilityaccountsswitchedintoyournamestartingwiththedayofclosing.Youwillneedto scheduleallofyourutilities tobeturnedonaweekpriortoclosing TransferUtilities
SigntheInitialClosingDisclosure
At least threedaysbeforeclosing,yourlenderwillsendaninitialclosingdisclosureforyouto electronicallysign.
TransferFundstoClosingAttorney
Yourlenderandclosingattorneywillworktogether todeterminethetotalamount neededfor closing Most attorneysrequirethemoneytobesent viaawiretransfer andwillsecurelyemail youthewiringinstructions
Day of Closing
FinalWalkthrough
Wewilldoafinalwalkthroughtoensurethehomeisintheagreed-uponcondition.
BringIDandCheckbook
Youwillneedagovernment-issuedformofIDforclosingandsometimesacheckbookisneeded foranyslight differenceinfunds.
