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For Kym, Real Estate is the combination of many intuitive gifts and skills developed over timethrough decades of service in high-end retail, Interior Design and business ownership. It’s all ofthese experiences that allow her to provide attentive collaboration, guiding you to take advantage ofwhat she knows, and what her team knows, so you get more comfortable with the many decisions.With her impeccable eye toward good design, she'll discuss form/function/desirability andshowcase your home at it's best with our professional photography. Getting people into or out of asituation is what drives her to find the match, whatever your end goal may be. All of our clientsknow we are working for them, WITH them. We love making a difference in the trajectory of yourworld. Buying, Selling, Investing; guiding parents, grandparents, and even your young adults- allwithin our careful Village wheelhouse.Kymberlee AlbertelliREALTOR®, Team Leader, Stager & RE Advocate(978) 501-2575 | team.findyourvillage@gmail.comAs the trusted real estate provider for her clients, Lisa understands how deeply complex andpersonal buying or selling a home is. There’s a lot at stake financially and personally. Thatknowledge fuels her to be the expert source for her clients. As your trusted advisor, she isconnecting weekly with other top agents and lenders to assess the hyper local market, so as topredict trends rather than react to them. When working with sellers, Lisa effectively markets thehome and negotiates to secure the highest possible price and cleanest terms for the sale. Whenrepresenting buyers, understands the need for flexibility and patience. Her role is to point out thepotential barriers while offering work-arounds and solutions, in the name of finding the right houseat the best price. Prior to entering into real estate, Lisa’s work experience was in hospitalityoperations and management, and human resources – all focused on the client relationship. Thesecret to her success is directness, transparency, and shrewd instinct. Stylish home staging,compelling marketing and keen oversight of the deal ensure the project success.Lisa StahovecREALTOR®, Client Advocate(978) 760-2423 | lisa.stahovec@kw.comMEET THE TEAM

Working in the real estate industry for 20+ years, Kookie has experience and invaluable expertisewith all aspects of the real estate process and business models. She recognizes the value ofproviding service excellence, exceeding expectations and the commitment the team must put forthto ensure success. In every relationship and transaction, Kookie is committed to remaining one stepahead anticipating both client and team needs. With expertise managing all the behind the scenesfunctions Kookie is the backbone ensuring both service excellence and a memorable experience thatexceeds client expectations. Kookie believes innovation, efficiency, effective communication andcommitment to team work strengthens operations and client success.Kookie ToroREALTOR®, Director of Team Success(508) 735-8004 | team.findyourvillage@gmail.comNatalie loves the art, magic, and passion of matching people with their next home. As an IT expert,she also understands that technology is always changing and adapting every year. Using the KWtools, she can help your home buying or selling experience be a successful and stress free time. As ashowing specialist, she loves working with her team and is prepared to give all our clients amazingcustomer service.Natalie CroteauREALTOR®, Showing Specialist(508) 735-8004 | nataliecroteau@kw.com

Find Your Village TeamOUR TEAM VISIONFind Your Village Team, powered by KW Realty Boston Northwest works to deliver a trusting,smooth real estate experience for all those who need and seek its services in such a meaningful waythat you will be excited enough to introduce us to your friends and family, so we can work alongsidethem, too.VVenturesome: Ensure all possibilities are exploredIIntegrity: Treat every person with integrity and respectOUR CORE VALUESLLove: Encourage caring relationshipsLLaughter: Find the fun in all interactionsAAuthentic: Remain authentic throughout the processGGoals: Establish clear goals and objectivesEExcellence: Deliver excellence always

WHAT OUR CLIENTS ARE SAYINGKym and her team were a pleasure to work with. From the sale of our old house to the purchase ofour new home Kym and her team were always available to answer any questions. They kept usinformed of updates and did a lot of work behind the scenes to help facilitate smooth transactionswith sellers, buyers, mortgage teams and real estate lawyers. We couldn't be more pleased with thewhole process and our new home. Thank you so much.Shawn & Brianne, LittletonKym, Kookie, and Natalie worked very hard to find the perfect home for us and we could not bemore pleased with the experience. We felt like their only customer, and the amount of dedicationthey all have for their job was apparent from the first day working with them. Kym is extremelyknowledgeable and knows how to fight hard to get an offer accepted. It was a great experience asfirst time home buyers. Katie & Joe, WestfordLisa's positive can-do attitude. When we were frustrated, impatient or discouraged, Lisa kept oureyes on the prize and the selling price was much higher than we ever imagined! We were thrilledwith Lisa & her team and would love to work with them again!Andy & Lauren, ActonMy fiancé and I had the smoothest experience finding and purchasing our forever home with Lisaand team. Everyone was extremely communicative and helpful throughout this entire process. Lisain particular made herself available to be at each of our tours, and to even entertain our crazy antics!We felt we could really trust your team and appreciated how genuine and authentic your supportand guidance was. We really felt listened to and heard regarding what we desired in our home, andfound the perfect place to settle down! Thank you to Keller Williams and Find Your Village! Thankyou Lisa, Kookie, and Kym!Milva & Glenn, ShirleyThe Find Your Village Team made selling our house a great experience. When they say "team" theyreally mean it! From our first conversation with Kym, it was clear we had found an ally that had ourbacks through the whole process. From clearly offering good guidance with no pressure, to helpingconnect us with people to help prep the house, to wading through and untangling the details ofmultiple offers, the process was as successful and sress free as possible. Highly recommend!Emily & David, Shirley

GOOD SERVICE SPEAKS FOR ITSELF. WE ARELOOKING FORWARD TO THE OPPORTUNITYTO EARN YOUR REFERRALS, TOO!IN OUR EXPERIENCEA home isn't a dream home because of its size. It'sabout how you feel when you walk through thefront door, and the way you can instantly envisionyour life unfolding there.This is about more than real estate - it‘s about yourlife, your dreams and your desired outcomes.Working with home buyers is not a one-size fits allprocess, so we approach each one of our clientsindividually, taking the time to understand theircurrent situation, unique needs and lifestyle. Weunderstand that we are helping our clients open anew chapter of their lives, which is why we work sodiligently to find the perfect home and handle everylast detail of the home buying process.We are honored to guide you through this processand excited to help you find that perfect home! Find Your Village Team has been built around oneguiding principle - It's all about YOU!Your needsYour dreamsYour concernsYour financesYour timeYour lifeOur focus is on your complete satisfaction. In fact,we work to get the job done so well, you will tellyour friends and associates about it. Maybe that'swhy more than 95% of our business comes fromrepeat customers and referrals.

Your Home SearchWe love helping buyers find their dream homes. That's why we work with each client individually,taking the time to understand their unique lifestyles, needs, and wishes. This is about far more thana certain number of bedrooms or a particular zip code. This is about your life. And it's important tous which is why we have the systems in place to streamline the home-buying process for you. WHEN YOU WORK WITH THE FIND YOUR VILLAGE TEAM, YOU GET:Highly trained business professionals who will strive to educate and assemble a unified team toinclude: attorneys, lenders, and inspectors. A wide variety of services pros will be introduced toyou as neededKnowledgeable and professional REALTORS (not all agents abide by this code of ethics)Committed allies to negotiate on your behalfThe backing of a trusted company, Keller Williams Realty Boston Northwest, where integrity,high level training and excellence is the standard. AS PART OF OUR SERVICE, WE COMMIT TO HELPING YOU WITH YOUR HOME SEARCH BY:Personally touring homes and neighborhoods with you Keeping you informed of new homes on the market in MLS and FSBO or off-market Sending newly available properties to preview on the web Advising you of other homes that have sold and for how much - discuss with other agentsthose details to strategize offer pricing and other terms that could help youWe're dedicated to assisting you until we discover the ideal home, whether it's your dreamresidence or one that fits within your budget in your desired locationEducating you constantly- houses, process, strategies, market conditions

THE HOME BUYING PROCESSKeep in mind, as market conditions change, we further collaborate with Lenders to better positionyou when placing an offer in such a competitive arena; this means applying for the mortgage andgetting a full COMMITMENT!1) GET PRE-APPROVEDBy getting pre-approved prior to beginning your home search, this will allowyou to determine what you can comfortably afford and allow us to movequickly once we find the right home.Pre-approval shows that you are a serious buyerSaves you timeGives you leverage in a multiple offer situation2) BUYER CONSULTATIONDescribe your perfect home What are your “must haves?” When do you need to be in your home by?3) SELECT & VIEW PROPERTIESDownload my KW mobile app to save searches and see new homes assoon as they hit the marketIf you see a home on a website, at an open house, etc... contact me!I’ll set you up on a home search and you’ll get emails of market updatesCommunication is key to finding the right home quickly!4) WRITING AN OFFERBe prepared to move quickly once we have found the right home Understanding a Seller’s Market vs. Buyer’s MarketEarnest Money DepositPre-approval letter5) NEGOTIATEAfter we present your offer to the listing agent, it will either be accepted,rejected, or the seller will make a counter-offer. This is when we will use ourknowledge of the market & expert negotiating skills to negotiate the terms ofthe contract on your behalf.

6) CONDUCT APPLICABLE INSPECTIONSOnce the seller has accepted your offer to purchase their property, it is time tobring in a professional home inspector to teach you the systems and how tocare for the property, and it meets your financial required standards. Anyissues that arise will be brought to the attention of the seller and we will helpyou negotiate the best way to move forward.7) REMOVE CONTINGENCIESInspection Contingency - Purchase is contingent on the property beingprofessionally inspected so you understand what you are buyingFinancing Contingency - If financing the purchase, the contract will statethat it is contingent a loan commitmentHome Sale Contingency - Selling your current home needs to happenbefore you can close on your new home.8) MORTGAGE LENDERCredit checkAppraisalSurveyUnderwritingInsurance binderTitle search9) OBTAIN FUNDS FOR CLOSINGClosing disclosure will give you all your final numbers 3 days prior toplanned closing10) FINAL WALK THROUGHCredit Check/Job ConfirmationWater runs, no leaksElectricity on HVAC workingClean and free of debris inside and out11) CLOSE ON THE PROPERTYProperty goes on recordYou receive keys and gain access

WHAT’S AHEADLET'S LOOK FOR A NEW HOME!In some cases, our clients find their dream home on the first day. In other cases, it takes more timeto find the right home. There are often many buyers looking for similar homes. Rest assured, there isa home out there just right for you. We just have to find it. We will collaborate!To assist you in the home search journey, we will set you up on the MLS (multiple listing service).The MLS will send you a list of homes that are currently on the market based on your requestedcriteria. We will cast a wide net. If we are too specific, we may miss a winner! As new propertiescome on the market, you will be notified via email. MLS listing information will include:Photos of the homeThe current asking priceThe square footage and property taxesThe number of bedrooms and baths The age and lot sizeUnique features and commentsIf you are interested in a property, please email us at Team.FindYourVillage@gmail.com with theMLS#, address, and your availability for the week. This will allow our team to schedule anappointment right away. We will also provide you with more detailed information about the home.This may eliminate it, or intensify the excitement! Do a driveby!

Are You Really Ready?WHY BE PRE-APPROVED?We recommend our buyers at the very least get pre-approved before beginning their home search.Knowing exactly how much you can comfortably spend on a home reduces the potential frustrationof looking at homes beyond your means. 1) Financial Pre-approval (by one of ouramazing trusted lenders who will coach youthrough the entire process)Application and interviewBuyer provides pertinent documentation,including verification of employmentA credit report is requested2) UnderwritingThe loan package is submitted to theunderwriter for approval. We request this to becompleted before submitting pendingappraisal. (We suggest completing yourapplication and getting a mortgagecommitment. Now, we just need a house!)3) Loan ApprovalParties are notified of approvalLoan documents are completed and sent tothe title company4) Title company/ Attorney reviewTitle exam, insurance, and title surveyconductedBorrowers come in for final signatures5) FundingLender reviews the loan package Funds are transferred by wire

Making an OfferOnce you have found the property you want, we will write an offer to purchase. We sell you andleverage your preparation in order to single out your offer amongst the competition. While much ofthe agreement is standard, there are some NEGOTIABLE TERMS:THE PRICE | ESCROW AMOUNTSWhat you offer on a property depends on a number of factors, including its condition, length of timeon the market, recent buyer activity, and the urgency of the seller. While some buyers want to makea low offer just to see if the seller accepts, this often isn't a smart choice. The seller may be insultedand decide not to negotiate at all. A thoughtful offer is often prefaced by a conversation betweenList Agent and Buyer Agent, which begins our working relationship. The 2023 Market isextraordinarily aggressive.THE MOVE-IN DATEIf you can be flexible on the possession date, and you have no home sale contingency, the seller willbe more apt to choose your offer over others.ADDITIONAL PROPERTYOften, the seller plans on leaving major appliances in the home; however, which items stay or go isoften a matter of negotiation. They may hold the washer and dryer, or a riding lawn mower as partof the package after inspection. Sometimes, an overwhelmed seller would appreciate you allowingextra items remain...Typically, you will not be present at the offer presentation - we will present it to the listing agentand/or seller. The seller will then do one of the following:Accept the offer as we have curated itReject the offerCounter the offer with changes more suitable to their situationIn today's market, we must be prepared for the best and final offer from the start. Be prepared witha check for $1,000 or more earnest money to be deposited upon acceptance of the offer.DepositLink is another alternative. If a counteroffer is presented, we will work together to review each specific area of it, making surethat we move forward with your goals in mind and ensuring that we negotiate the best possibleprice and terms on your behalf.

OFFER ACCEPTED! WHAT'S NEXT?The first thing we need to do is to deliver your earnest money check or deposit link transfer to thelisting agent's office. Next, we need to schedule an inspection. Here are some of our favoriteinspectors. Keep in mind we have only 10 days to get that report. Hawkeye Home Inspections: Peter Ottowitz & Team(978) 897-7130 hawkeyeoffice@hawkeyeinspectors.com | hawkeyeinspectors.comWhile we are working simultaneously, here are some Real Estate attorneys who can help younavigate the Purchase and Sale Agreement and work with your lender on closing your loan. Wegenerally have only 7-10 days to sign the Purchase and Sale Agreement (P&S).Dorner Law, Hillery Dorner(978) 263-7555myattorney@dornerlaw.comAlcorn & Owens, Brian Alcorn(978) 692-7777balcorn@alcornandowens.comDC Law, Nicole Torres(978) 891-2710ntorres@camiellaw.com

CLOSING 101PREPARE FOR IT:The closing day marks the end of your home-buying process and the beginning of your new life!To make sure your closing goes smoothly, you should bring the following:A certified check for closing costs and down payment. Make the check payable to yourself; youwill then endorse it to the title company at closing. An insurance binder and paid receipt (this should have been supplied to you by the lender)Photo IDs (make sure nothing is expired)Social security numbersPersonal check for any last-minute incidentalsOWN ITTransfer of title moves ownership of the property from the seller to you. The two events that makethis happen are:Delivery of the buyers' funds: This is the check or wire funds provided by your lender in theamount of the loanDelivery of the deed: A deed is a document that transfers ownership of the real estate. Thedeed names the seller and buyer gives a legal description of the property and contains thenotarized signatures of the seller and witnesses. At the end of closing, the deed will be taken and recorded at the county clerk’s office. It will besent to you after processing. Keep in mind, then and only then, will the property become yours andbe accessible to you. Please do not plan your moving truck to deliver your goods immediately afterclosing.

Frequently Asked QuestionsHOW WILL YOU TELL ME ABOUT THE NEWEST HOMES AVAILABLE?We network and mastermind every week with other local agents to learn what’s coming and theMultiple Listing Service Website provides up-to-date information for every home on the market. Weconstantly check the New on Market list so we can be on the lookout for my clients. We will get youthis information right away, the way that is most convenient for you; by phone and/or email.WILL YOU INFORM ME OF HOMES FROM ALL REAL ESTATE COMPANIES OR ONLY KELLERWILLIAMS?We will keep you informed of all homes. We want to help you find your dream home, which meanswe need to stay on top of every home that's available on the market.We take pride in our favorablerelationships with many agents, working in all brokerages. CAN YOU HELP ME FIND NEW CONSTRUCTION HOMES?Yes, we can work with most builders and get you the information you need to make a decision. Onyour first visit with the builder, we will accompany you. By using our services with a newconstruction home purchase, you will receive the services we offer, as well as those provided by thebuilder, at no additional cost. If you pop into an open house without us, they may not allow you tobring in an agent. The builders often hope you do NOT have representation.HOW DOES FOR SALE BY OWNER (FSBO) WORK?Homeowners trying to sell their home without agent representation are usually doing so in thehopes of saving the commission. If you see a FSBO and want the advantages of my services, let us contact the owner for you and make an appointment. Most times the homeowner will work with anagent, even though their home is not listed, since the agent is introducing a potential buyer to theirproperty.CAN WE GO BACK THROUGH OUR PROPERTY AGAIN ONCE AN OFFER IS MADE, BUTBEFORE POSSESSION?Usually, we can notify the seller and schedule a convenient time to visit the property again. Andalso, immediately before the closing, we will schedule a final walk-through of your new home.ONCE MY OFFER IS ACCEPTED, WHAT SHOULD I DO?Once all applicable inspections are completed, celebrate and focus on moving into your new home!You will want to schedule your move, pack items and notify businesses of your address change. Wewill provide you with a moving checklist to help you remember all the details. We will also forwardyou a Closing Disclosure, which will indicate the amount you will need to bring to closing.

Let's Keep in TouchTo us, providing exceptional service involves more than just making your Real Estate and wealth-building dreams come true. It requires taking the next logical step; helping you through the detailsafter you officially own your home.

200 Baker Ave Suite 205, Concord, MA 01742