Tips to Avoid These Costly Mistakes Prior to Closing

You have signed to purchase a home, you have done your home inspection, well inspection, termite inspection, gotten a copy of the covenants for the neighborhood, charges for the HOA, you have made it through your loans underwriting and think you are home free, and then just prior to closing you find out you made a few costly mistakes…
 Costly Mistakes Prior to Closing
As a seasoned real estate agent, I see miscommunication or lack of communication all the time in regard to real estate transactions.  I want to save you, the buyer, much agony, and share these tips to avoid costly mistakes prior to closing.
The list below may seem like “little things” but when you are in the middle of a real estate purchase, it can amount to major problems.  Real Estate closings are like dominoes and if one chip falls wrong, there is a snowball effect.

Tips to Avoid These Costly Mistakes Prior to Closing

  1. Tell your agent the details of your travel arrangements if you do not live in the area in which you are purchasing a home.  Believe me, they do not want to be your travel agent, but making certain the logistics are in order for you to sign AND be present for 24 hours after signing of documents is paramount.  Do not assume you can fly in to sign and fly out immediately.  Give yourself and your bank time. There is a process called “close of escrow” or funding which is behind the scenes that most buyers do not witness.  Until the funds are sent to pay for the home you are purchasing, you do not own it.  Most buyers do not realize that the banks and mortgage companies will not send those funds until they “approve” all the documents you just signed and how you signed them.  One closing attorney mentioned that she felt like she went to law school and now she grades penmanship, but the banks are nervous and finicky.  They want you to sign a certain way and its often different from bank to bank.  Which brings up the next point.
  2. SIGN AS THE BANK INDICATES on all closing documents or forms.  Do not put in an extra initial if they do not have it on your loan docs or do put in the middle name even if you don’t normally use it if its on the loan docs to sign.  Sign exactly like they indicate on the docs unless of course, they have the name completely wrong. Then call, call, call!
  3. Be consistent with your name.  I see it over and over.  The way buyers fill out the loan application is different from what is on their driver’s license and that is different from what they put on the purchase contract.  Be consistent from the start.  If you use middle initial, use it consistently throughout and have your real estate agent put that on the contract.
  4. Get any powers of attorney APPROVED BY BOTH YOUR LENDER and the CLOSING ATTORNEY -TITLE COMPANY, and I do not just mean the form.  I mean get the final signed Power of Attorney after it is signed and notarized approved by both entities.  The notary may not have executed the form correctly or you may have signed differently than typed. Send in a signed copy to your lender, closing/title company and your realtor and let them all take look at it. Be certain the original is at the closing!  IF not, you cannot close.  That Power of Attorney is officially recorded at the courthouse with your deed.
  5. When in doubt on anything, ask your loan officer, realtor and/or closing or title company.  Communicate and address the matters that can arise BEFORE you get to the closing table.  It can make all the difference.  Communicate, communicate, communicate!
  6. Keep your cool. If you see inconsistencies or mistakes, make the person aware and they will be corrected.  Lots of times agents are trying to “keep you in the know” and you will see DRAFTS of documents including contracts, HUD settlement statements, etc.  They can be changed, corrected, etc.  The key is to keep your cool and address it ahead of time by simply saying to your agent, can you take a look at this, it does not look correct or I do not understand it?
Remember, it will be okay and we will get you to the goal line, but I tell people every day… strap on your seat belt because it might get bumpy along the way but I am committed to getting you there!

Melanie Kramer Keller Williams Realty Coastal Area Partners
912-459-5001 Office
912-658-1390 Cell Direct Melanie Kramer Coastal Georgia Realtor

Richmond Hill Home Owners Are Giving 5 Stars

Thank you for Giving me 5 Stars

I believe in improving customer service every day!
I believe in wealth building through real estate!
I believe we can build a better quality of life through home ownership!

5 stars real estate agent

I am here to serve you in all of your Greater Savannah area real estate needs. I love guiding my clients through the purchasing or selling experience from start to finish. And I am happy to say that over the past years, most have been long time clients who have repeatedly called me over the years no matter what the task.

Thank you for all your trust and support. I am honored.

5 stars – testimonials

Looking for a real estate agent? Melanie Kramer is an excellent and smart choice. We whole-heartedly recommend her services. We worked with Melanie in 2006 when she helped us find the house that best fit our needs. Then in 2015 we worked with Melanie to help us sell. Both experiences surpassed our expectations. Melanie is a local expert and was full of great recommendations for service providers. When we needed to sell, our home was empty and she staged it so beautifully that we wanted to move back in! Melanie is very knowledgeable of all the ins and outs of the buying and selling process. Melanie is easy and convenient to communicate with and we always felt like we were her number one clients. Her negotiation skills and advice proved to be sound, reasonable and worked to our benefit. She always had our best interest in mind. Melanie is a wonderful person and through our working experience we consider her a friend. Choose Melanie and you will have results! ” – Ramsey

She was awesome!!Worked to get us every dollar she could for our home. Melanie has an outstanding understanding of the real a state market in the Richmond Hill area.” – Jones

The home we purchased had been listed without disclosure that the sale had to clear probate. For four months Melanie went far beyond what could be reasonably expected of a buyer’s agent. Employing her extensive knowledge and experience as both paralegal and Realtor, Melanie relentlessly pushed the process forward despite a frequently unresponsive seller’s agent.

Melanie dealt most professionally with our growing frustration as well. She kept us well informed every step of the way and her patience and encouragement allowed us to persevere. At no small expense of her time, Melanie got us through the ordeal. Were it not for her tenacity and dedication to us there is no question that our dream of a home on the water would not have materialized.

We have bought other homes in the past and Melanie far surpasses every other agent we have had. Without reservation I can say that Melanie is in a class by herself and she has earned my highest recommendation.” – Stevens

More…

I promise to do my very best to guide you through what some clients describe as a very stressful process and the biggest purchase of their life.  Let me take the stress out of your next home buying or selling experience.   My commitment is to make you a client for Life!

Melanie Kramer Keller Williams Realty Coastal Area Partners
912-459-5001 Office
912-658-1390 Cell Direct Melanie Kramer Coastal Georgia Realtor

Summer in Savannah – June

With Memorial Day behind us and the last school bell rung we can officially say the unofficial start to summer in Savannah is upon us.

And summer is the perfect time for making memories with the family. Here are a few family friendly events to put on your June calendar.

summer in savannah june 2015

Summer in Savannah

June 5-7 marks the 2nd annual Savannah Blues Weekend on Riverstreet. Local restaurants and catering companies share their best from the smoke pit while southern blues and smooth jazz fills the air all weekend. Check the website for the entertainment schedule.

June 6th the Exchange Club of Richmond Hill will host the Annual Kid’s Fishing Derby. Celebrating its 25th year, the fishing derby is free and open to children 15 and under. Check the website for admission forms and information

Enjoy live original music? The Savannah Songwriters have been hosting an original in the round format at Johnny Harris for the last few years. First Friday of the month Johnny Harris opens their round room to local and touring songwriters sharing their original music and the stories behind the songs. Check the website for the entertainment schedule.

June 16-17 Sesame Street Live visits the Savannah Civic Center celebrating friendship, cultural similarities with lots of singing and dancing. Visit the Civic Center’s website for more details.

Friday on the Train is hosted every 3rd Friday through the summer at The Station Exchange in Richmond Hill. This is a free community event. Bring your lawn chairs or blankets and enjoy the entertainment, food and fun. Next event is June 19th. Check their Facebook page for more information.

June 20th marks the return of Movies in the Park. Every third Saturday in June and July at Memorial Park on Tybee Island a family friendly movie is projected on the side of the Tybee Gym. Check the website for details.

Come for a visit and want to stay longer? Whether a permanent move or a vacation home, I’d love to help find your dream home!

Melanie Kramer Keller Williams Realty Coastal Area Partners
912-459-5001 Office
912-658-1390 Cell Direct Melanie Kramer Coastal Georgia Realtor

JCH Homes LLC

JCH Homes LLC is the family-owned construction business of John and Linda Hopkins based here in Richmond Hill, GA.

JCH Coastal Lifestyle Homes

Crafting a custom home goes through many stages and John and Linda want you to enjoy the process.  JCH Homes and their partners, including myself, work together to provide you with a stress-free experience. From selecting the location and purchasing the property, to the design and features that customize it to your lifestyle – we are here every step of the way to help meet the expectations and desires you have for your dream home.

John and Linda Hopkins, JCH Southern Lifestyle Homes

John and Linda Hopkins, JCH Southern Lifestyle Homes

When you walk into a JCH home you know immediately that the Hopkins live and breath their tagline, Building Homes for Generations to Come. These carefully crafted homes are inspired by John and Linda’s desire to create the settings where people’s lives will unfold. With over 35 years of experience, JCH offers superior craftsmanship and a difference you can see!

Outdoor Living Spaces

Here in the south we embrace our outdoor living spaces. This is often an important feature for those moving here from colder climates where the winter season packs a punch of snow and ice. Our outdoor living spaces are often used year round.

A JCH home offers a seamless flow between the inside and the beautiful outdoor lifestyle of Coastal Georgia. Whether a traditional front porch or a back deck or patio, JCH offers plenty of custom choices to inspire your dream home.

Floor Plans

JCH Coastal Lifestyle homes offers a great selection of core floor plans that showcase life on the coast. Spacious homes perfect for both entertaining and relaxing.

Think you can’t afford a custom home?

JCH offers a personalized experience and a range of affordability. For more information about JCH Coastal Lifestyle Homes please contact Melanie Kramer at 912-658-1390 or melaniekramer@kw.com.

Melanie Kramer Keller Williams Realty Coastal Area Partners
912-459-5001 Office
912-658-1390 Cell Direct Melanie Kramer Coastal Georgia Realtor

Spring Cleaning Checklist

With Memorial day around the corner and the busy days of summer hot on it’s heals now is the perfect time to check spring cleaning off your to do list. We are blessed with a very short winter and the winter blues don’t really have enough time to settle in. The day after Valentine’s we start planning for Spring and spring cleaning is tradition in more places than the south.

spring cleaning checklist

Whether you are getting ready for the summer or getting ready to sell your home this checklist will take you beyond the regular cleaning routines. Spring cleaning is about going deeper.

Spring Cleaning Checklist

  • De-clutter. It will make cleaning a lot easier. Use the natural flow of spring to let go and lighten up. Donate to charity or plan a garage sale.
  • Clean ceilings, walls and baseboards, don’t forget the corners. Time to bring out all those attachments that came with your vacuum cleaner.
  • This is also a good time to vacuum the air vents. If it’s been a few years you might want to have your air ducts cleaned by a professional, this can cut down on the overall dust in the home and help with allergies.
  • Give attention to your other appliances, clean dryer vents, refrigerated coils, and disposal units.
  • Use furniture markers to repair wood scratches or nicks.
  • Wash or dry clean the drapes and curtains. Dust blinds and the window sills.
  • Wash both the inside and outside of your windows and rinse off the screens.

The check list wouldn’t be complete without heading outside to clean the porches, decks, grills, gutters, and of course the landscaping. All before your Memorial Day cookout!

Do you have spring cleaning traditions?

For more information about our property listings please contact Melanie Kramer at 912-658-1390 or melaniekramer@kw.com.

Melanie Kramer Keller Williams Realty Coastal Area Partners
912-459-5001 Office
912-658-1390 Cell Direct Melanie Kramer Coastal Georgia Realtor

304 Lou Page Ln Richmond Hill GA 31324

 304 Lou Page Ln Richmond Hill GA 31324

Southern Coastal Living

304 Lou Page Ln Richmond Hill GA 31324 is a beautifully maintained, one owner home built in 2011.

This full brick home with side entry garage showcases the Ellington floor plan, large walk in closets, spa inspired master bedroom bath, window blinds, and mud room cubbies.

Large living room off kitchen

A new deck sits off the tranquil screened-in porch and overlooks a well maintained yard. The backyard features a beautifully stained fence.

Screened in Porch, Richmond Hill

Tranquilla Hall Subdivision features a pool, tennis courts and a playground.

Features at  304 Lou Page Ln Richmond Hill, GA 31324

  • Price: $369,900
  • 5 Bedrooms
  • 3 full, 1 partial Bathrooms
  • 3,435 sqft
  • Porch
  • Deck
  • Roof: Asphalt
  • Lot Size: 0.55 acres
  • Garden
  • Sprinkler System
  • Subdivision: TRANQUILLA HALL PHASE 3

For more information about this property and other homes for sale in Richmond Hill Georgia please contact Melanie Kramer at 912-658-1390 or melaniekramer@kw.com.

Melanie Kramer Keller Williams Realty Coastal Area Partners
912-459-5001 Office
912-658-1390 Cell Direct Melanie Kramer Coastal Georgia Realtor

Savannah Major Employers

Although we are known for our port, tourism and health systems, Savannah’s Major Employers cover a variety of industries.

savannah major employers

Savannah Major Employers

With a new confidence in the job market, the percentage of people relocating for work in the US is on the rise (35% in 2013).

In Savannah Major Employers such as Gulfstream employ upward of 4500 and Memorial Health Medical Center and St. Joseph’s/Candler employ 8900.

Military related employment includes civilian personnel on the bases and can employee between 2000 – 5000.

Retail stores, such as Walmart, Kroger and fast food giants such as McDonalds also fall into the higher employer category, while Target and Publix employee 2000 respectively.

For more information on top employers in the area please visit The Savannah Area Chamber. The Champer shares a breakdown of manufacturing, non manufacturing and educational industries on their website.

If you are relocating to the Savannah / Richmond Hill area I’d love to help you find your perfect coastal empire home. Please contact Melanie Kramer at 912-658-1390 or melaniekramer@kw.com.

Melanie Kramer Keller Williams Realty Coastal Area Partners
912-459-5001 Office
912-658-1390 Cell Direct Melanie Kramer Coastal Georgia Realtor

1291 Mill Hill RD Richmond Hill GA 31324

1291 Mill Hill RD Richmond Hill GA 31324

Southern Coastal Living

Value priced below appraisal!

Large .79 acre lot with deepwater at all tides and views of Ogeechee River. Note the river sits to the rear and to the side of the home with deck access overlooking the Ogeechee from two different bedrooms.

This one owner, 2459 square foot waterfront home constructed in 1982 has three bedrooms and three bathrooms and a den with beamed ceilings and a woodburning fireplace.

The home features real heart pine floors.

Boat/RV parking allowed. A  seawall in place, with a 10×20 floating dock, and 12×12 upper stationary dock. The community offers a boat ramp.

Current owners flood insurance $774 per year

Two Septic Tanks (one laundry tank)

Downstairs workshop and 8×10 storage building included. 

Community tidal creek boat ramp to Ogeechee River/Atlantic Intercoastal Waterway and Triple J Stables available for equestrian boarding/lessons in neighborhood New Recreational Facility on Highway 144. Including a New Public Golf Course

Homeowner Association: www.strathyhallhoa.com 

Features at 1291 Mill Hill RD Richmond Hill GA 31324

  • $375,000
  • 0.79 acres
  • Built in 1982
  • Cooling: Central, Other
  • Heating: Forced air
  • Deck
  • Fireplace
  • Flooring: Hardwood, Tile
  • Parking: Garage – Attached, 4 spaces
  • Patio
  • Porch
  • Vaulted Ceiling
  • Waterfront

For more information about this property and other homes for sale in Richmond Hill Georgia please contact Melanie Kramer at 912-658-1390 or melaniekramer@kw.com.

Melanie Kramer Keller Williams Realty Coastal Area Partners
912-459-5001 Office
912-658-1390 Cell Direct Melanie Kramer Coastal Georgia Realtor

25 Sanctuary Dr Richmond Hill GA 31324

25 Sanctuary Dr Richmond Hill 31324

Southern Coastal Lifestyle

25 Sanctuary Dr is a one owner, custom quality home built by JCH Coastal Lifestyle Homes in 2010.

This 2769 square foot home was build for entertaining and features an open floor plan with large rooms, tall ceilings, beautiful trims and moldings and rounded sheet rock corners.

The great room comes with surround sound all wired to a media room.

The Kitchen features 2 pantries (one is a walk in pantry), a built in microwave and oven, and beautiful cabinetry with a lazy-susan. The formal dinning room offers a unique trim package.

The spacious master suite offers a mini retreat with a walk in roman shower with double shower heads, an oversized closet, rope lighting in trey ceiling,  and an outdoor screened room with a fireplace and comes pre-wired for a hot tub.

The coffered ceiling room is a flexible space with double door entry that can be a bedroom, office, living room, music room or sitting area.

25 Sanctuary Dr Richmond Hill GA 31324

Beautiful outdoor living area wired with surround sound and is prewired for an alarm and two 40 amp plugs. The home sits on a half acre lot with zoned sprinkler on a timer. An Oak tree overlooks the courtyard entry garage

The quaint subdivision with community pool, a bath house, two gazebos and a playground.

Transferable retreat termite bond with Yates Astro

Flood Insurance is NOT REQUIRED.

Features at 25 Sanctuary Dr Richmond Hill GA 31324

  • $330,800
  • 4 beds and 3 baths
  • 2,769 sqft
  • 80 gallon hot water heater
  • Walk in full attic
  • Cable Ready
  • Double Pane/Storm Windows
  • Fireplace
  • Flooring: Carpet, Hardwood, Tile
  • Garden
  • Gated Entry
  • Jetted Tub
  • Parking: Garage – Attached, 2 spaces
  • Patio
  • Porch
  • Sprinkler System
  • Vaulted Ceiling

For more information about this property and other homes for sale in Richmond Hill Georgia please contact Melanie Kramer at 912-658-1390 or melaniekramer@kw.com.

Melanie Kramer Keller Williams Realty Coastal Area Partners
912-459-5001 Office
912-658-1390 Cell Direct Melanie Kramer Coastal Georgia Realtor