Kristen Meador
REALTOR® | Spanish Fort, AL
• Graduated with BS in Travel Industry Mgt. and Business Admin.
• Based in Daphne, AL
• Married to Zachary since 2004
• Two children, 3 Fur-babies
• I enjoy visiting the beach, attending live music concerts, and traveling.
We service Baldwin and Mobile Co.
Locally owned and operated.
We were established in 2008
Invited to join Leading Real Estate Companies of the World 2017
“Our purpose is to see all we can do with all we have been given”
Faith, Effort, Gratitude, Honor, Courage, Commitment
• Steady income
• Low to medium debt
• Cash for down payment/closing
• Two months of pay stubs and bank statements
• Two years with same company or in same industry
• Choosing a lender
• Filling out loan application
• Approval document
o Paystubs, bank statements, tax returns, proof of employment, 560+ credit score
Understanding what you’re looking for is a top priority. Let’s talk about the features of your future home.
• Location
• Baths
• Price
• Square footage
• Bedrooms
• Style
• Features
• Schools
SEARCH
• MLS
• Agent network
• My website
SEARCH
• Website
• Yard signs, open houses, model homes, friends, FSBO
HIGH-TECH
TOOLS
• Automated home search system
• Falling in love with a home
• Seller wants
• Earnest money
• Down payment/financed amount
• Important dates
• Inclusions in home
• An offer can be accepted, counteroffered, or declined
• Deposit of earnest money to brokerage or title company
• Inspections
• Appraisal
• Home insurance
• Finalize mortgage details
• Final walkthrough
These are the items that will be included in your closing cost:
• Property appraisal
• Home inspection
• Processing fee
• Underwriting fee
• Lender fee
• Loan discount fee
• Recording fee
• Settlement officer fee
• Document preparation fees
• Escrow taxes and insurance
• Prepaid interest
• Credit report
• Transfer taxes
• Attorney/notary fee
• Agent fee
• Title insurance
Kristen Meador
REALTOR® | Spanish Fort, AL
This is the big day! I’ll accompany you to closing, answer any questions, and verify the closing paperwork matches our purchase contract.
• Bring your identification, Check expiration date
• Everyone who is purchasing the property must be present. If this is not possible, let me know in advance.
• You will need to bring a certified check or wire your down payment/closing costs. Title company will contact you will specifics over the phone. Never send money to anyone based on email directions alone. Voice contact only.
