FI NDI NG Y O UR N E W H O ME Kr ist en Meador REALTOR® | Spanish Fort, AL
251.459.1546 KBMeador@goBellator.com EasternShoreALHomes.com
Bellator Real Estate 29891 Woodrow Ln. Suite 200 Spanish Fort, AL 36527
ABOUT ME
• Graduated with BS in Travel Industry Mgt. and Business Admin. • Based in Daphne, AL • Married to Zachary since 2004
Kristen Meador REALTOR® | Spanish Fort, AL
• Two children, 2 Fur-babies
• I enjoy visiting the beach, attending live music concerts, and traveling.
ABOUT MY CAREER
2002
2014
2014
NOW MRP
Graduated from Concord University
Received real estate license
Joined
GRI
Bellator Real Estate
CRS ABR@
And more
Testimonials
ABOUT Bellator Real Estate 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
THE BUYER’S ROAD MAP 1
Meet With A Real Estate Professional
3
2 Get PreApproved
Search For Homes
4
5
Make An Offer
Negotiation And Contract
6
7
Under Contract/ In Escrow
Final Details
8
Closing Day
ARE YOU READY TO BUY? • 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
Do I need a Buyer’s Agent?
GETTING PRE-APPROVED •
Choosing a lender
•
Filling out loan application
•
Approval document o Paystubs, bank statements, tax returns, proof of employment, 560+ credit score
YOUR HOME SEARCH Understanding what you’re looking for is a top priority. Let’s talk about the features of your future home. •
Location
•
Baths
•
Price
•
Style
•
Square footage
•
Features
•
Bedrooms
•
Schools
SEARCH TOOLS AGENT SEARCH • • •
MLS Agent network My website
CUSTOMER SEARCH • •
Website Yard signs, open houses, model homes, friends, FSBO
HIGH-TECH TOOLS •
Automated home search system
MAKING AN OFFER • 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
WHEN YOUR OFFER IS ACCEPTED • Deposit of earnest money to brokerage or title company • Inspections • Appraisal • Home insurance
• Finalize mortgage details • Final walkthrough
CLOSING COST BREAKDOWN These are the items that will be included in your closing cost:
$
•
Property appraisal
•
Document preparation fees
•
Home inspection
•
Processing fee
•
Escrow taxes and insurance
•
Underwriting fee
•
Prepaid interest
•
Lender fee
•
Credit report
•
Loan discount fee
•
Transfer taxes
•
Recording fee
•
Attorney/notary fee
•
Settlement officer fee •
•
Title insurance
Agent fee
CLOSING DAY This is the big day! I’ll accompany you to closing, answer any questions, and verify the closing paperwork matches our purchase contract. Kristen Meador
•
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.
REALTOR® | Spanish Fort, AL
Happy Clients
CONTACT INFORMATION
251.459.1546
KBMeador@goBellator.com EasternShoreALHomes.com #kristenmeadorrealtor facebook.com/kristenmeador.realtor