Learn the steps to buying with extra tips from Urban Cool KC, like how to Interview Lenders and Realtors.

1. Buyer's
T I P S S H E E T
T I P S S H E E T

2. to include Mortgage, Taxes, Insurance and
Mortgage Insurance if you go FHA or
Conventional Loan up to 15% Down Payment.
3.5% (FHA) or 5-20% (Conventional) for
mortgage down payment. There are Down
Payment Assistance Programs. "Do you know
of any Down Payment Assistance or Grant Loan
Programs" would be an interview question
when you are interviewing to hire your
Exclusive Buyers Agent.
and types of loans. Most people start with their
bank where they have their checking account.
We suggest you look at two other options: a
Local Bank and a Mortgage Broker. When
interviewing Agents - ask if they have a
Mortgage Partner and how many deals they
have done together. Critical to the speed of the
process and when any issues come up Your
Team will get things handled.
Ask Lender for a Pre-Approval Letter not a
PreQualification. The former requires more
documentation from you and is taken more
serious when you put in an offer.
(Urban Cool KC will only show houses to buyers
who have this letter. Without it many houses are
going under contract in 24-48 hours, therefore
there is no time to go find a house you like and
then get your financial proof in order. We want
you to be fully prepared for putting in a solid
offer when you find the house you love.)
StepsoftheBuyingProcess
1
2
3
4
Research and interview potential lenders
Decide What Your Montly
Budget is For Your Future Home
Save or Borrow Down Payment
Ask Lender for a Pre-Approval Letter

3. The advantage of the contract is that you get
access to a professional who will be readily
available to you for showings, answering house
questions, showing you the ropes with
contracts, inspections etc....They will make you
a priority versus calling each Realtor who has
the house listed you are interested in. They are
not as inclined to show you the house based on
your schedule. It is a lot of work to schedule
multiple showings with multiple Listing Agents.
Signing a Contract with a Buyer's Agent will
guarantee that they will do all the scheduling for
you.
So, it's in your best interest to work with an
experienced Realtor (see the questions below
to determine their experience level) or a Realtor
on a team like Urban Cool KC who has over 20
years combined experience buying and selling
homes in the Kansas City area. Its also
important that they know the neighborhood(s)
well that you are wanting to buy a house in.
Questions to Ask Potential Realtors
1. How long have you been a Realtor?
2. Are you a full time Realtor?
3. How many transactions did you do last year?
4. What neighborhoods do you specialize in?
5. Tell me about your Negotiation Skills
6. Do you have Lender, Title, Inspector,
Insurance Partners?
Only 20% of the Realtors are full-time doing
more than 1-3 Transactions a year. Every year
there are over 1000 new Realtors joining the
industry in the KCMO area. Because it is takes
only 2 weeks and passing a test to become a
Realtor, it is essential to know that this is a
profession that is on the job training and only
years of experience can teach you all the
critical things in a Real Estate Transaction.
for 3 months. You do not pay the Buyer's Agent
Commission - the seller pays their commission.
You will pay for a Brokerage Administration Fee
of $395 to Keller Williams. That will be paid at
closing as part of your loan and closing costs.
I . to become your Exclusive
. Buyer's Agent. Many
people select a Realtor that is
a friend or family member or they
hire the first Realtor who shows them a house
off of Zillow or at an Open House. Because it
takes only two weeks of class and passing a
test to become a Realtor, there are many
Realtors who are inexperienced. Eighty Percent
of Realtors in KC are in their first year and
possibly haven't conducted a transaction yet.
This is a profession that is on the job training
and only years of experience can teach a
Realtor all the critical issues and possible
problems in a Real Estate Transaction.
Interview Realtors
5
6
Sign a Buyer's Agent Contract
Questions to Ask....

4. Write down 5 essentials you want in your
home your Realtor can help you with these
essentials like number of bedrooms, type of
layout, style of house, garage, fenced yard,
fireplaces, utility on main or second floor, age,
etc...Be aware that if you can get 3 out 5 of your
criteria you are doing very well!
Start your search. Ask your Realtor to set up 5
houses to look at. It is too difficult to look at
more than 5 at a time. You should be able to
decide on a house after looking at 5-10 houses
on average.
Select the right tools for searching for
homes. Your Realtor will set you up on a MLS
Search which is the site that has the first notice
of a new listing to be followed by Realtor.com
then all the rest. Zillow and Trulia are great sites
for ease of use - but are late to the game of new
listings and many times inaccurate.
Decide what neighborhoods you prefer to live
in or go to Steps 7 & 8 to get assistance with
picking the right neighborhood for you and
your lifestyle.
7
8
9
10
Start Your Search
Select the Right Tools
Write Down 5 Essentials
Decide What Neighborhoods

5. TESTIMONIALS
"A professional in every way. Franny knows
Kansas City. She knows how to get the job
done in an honest and professional way. She
knows how to get the information out to
potential buyers, and I can't recommend her
highly enough. I would engage Franny to sell
more houses for me. And, I would buy houses
from Franny, without hesitation."
---Patty Hasselbring
"Franny is a consummate professional. She and her team of
contractors staged and prepared our home for sale in record
time, and delivered outstanding results while staying within the
constraints of our budget. Throughout the process, she dealt
with our questions, fears and unexpected problems with
patience, skill and calm competence. She was always
accessible and responsive by whatever means we chose to
communicate, be it email, text or phone. Her calm, steady and
alert presence was a source of much needed reassurance
throughout the process of preparing for relocation.
Moreover, Franny is truly passionate about Kansas City, and
understands its neighborhoods and nuances not just in terms of
market value, but in terms of the things that make a place
uniquely vibrant. That's not something that you can find just
anywhere, and her knowledge and appreciation of Kansas City's
community life is invaluable when selling or buying a home. I
wouldn't hesitate to recommend Franny to anyone looking to
buy or sell a home in Kansas City."
---Malik Nash
"Franny is a knowledgeable, hard
working veteran realtor who has your
best interest in mind always. She made
the process of buying and selling a
home feel seamless and was a joy to
work with. She got us top dollar for our
home and found us our next dream
home quickly. I would highly
recommend her!"
--Sheryl Vickers

6. MeetOurFounders
Franny has a Master’s Degree in Psychology from Wichita State University – Go
WuShocks! She played on scholarship both Volleyball and Basketball first at
Labette Community College in Parsons, KS and then transferred to WSU to
finish out her basketball career. She continues to stay fit and healthy mostly by
walking her babies, Dexter, Snoop & Ruby daily on varieties of trails throughout
the metro. In addition to being a full-time Realtor, she teaches companies,
entrepreneurs, social-service agencies in workshops and consulting to improve
their marketing with Social Media. Prior to being a Realtor, she was a Public
Speaker and Trainer for Creative Marketing & Thinking, Social Media Marketing,
Communications, and Negotiation.
Hubert has a Bachelors Degree in Business and has 30 years of Management
Experience. He played on a basketball scholarship and still is at home on the
court. Hubert’s experience and eye for homes that can be rehabbed or flipped
make him an excellent resource for investors and homeowners that love the
idea of a “diamond in the rough.”
FrannyKnight
HubertBeattie
"That house is sooo COOL"
That’s what Franny Knight thought to herself when she took her first picture of a cool home in 2006. Franny lived in
downtown Kansas City. She knew first hand how easy it was to fall in love with an urban area...and a really cool house.
At that time, she was new to real estate. She’d made a career change to join her soon to be husband in his established
real estate business. With no customers of her own yet, she decided to spend her time documenting the cool urban
homes she found in Kansas City.
Those first pictures were followed by many others and have now grown to a social media following of nearly 40,000 on
Facebook alone. Today, Urban Cool KC is about you, the Urban Cool Villager, and about this city and all it has to offer.
The journey continues and we are happy to help you find your Urban Cool home and/or the Urban Cool Villager who will
love your home as you did.
OurStory

7. MeettheTeam
Mark is a Realtor with Urban Cool KC. Mark’s professional career started in the
US Army where he was a Tank Mechanic. After the military, his ability to fix
things lead him into IT and military contractor work. Upon his return to the US,
he continued solving problems in IT companies such as Sprint, H&R Block, and
Marriott Hotel & Resorts, but also began to pursue Real Estate and his personal
passion of home renovation. His IT, Renovation, and Real Estate skills combine
to make him a great asset to his investor clients that he helps find properties that
are prime for coming back to live via rehab.
MarkGoodman
Merisa is a Realtor with Urban Cool KC. She is also our Transaction Coordinator
and Listing Manager. Before joining the team, she worked in the restaurant
business where she learned to deal with all types people and personalities and
made a ton of friends in the process. She loves getting to meet new people that
are buying or selling a home. Merisa’s clients love that she has an exceptional
talent for staging which helps their homes sell faster.
MerisaBeattie
Stacey has nearly 20 years experience as an Art Educator, teaching
kindergarten up through high school students in rural, urban and suburban
schools. With a masters in curriculum and instruction, she is an expert in
creating a successful plan and vision. She fell in love with MidCentury style with
her first home purchase and has a passion for remodeling and restoration. This
passion led to her real estate career where she enjoys helping others find a
home to make their own. She spends her free time exploring KC’s art
community, cooking, and hiking some of the best trails around the Midwest with
her husband, trio of kids, and Husky mix, Moose.
StaceyScraggs

8. MeettheTeam
Mark is a Realtor with Urban Cool KC. Mark’s professional career started in the
US Army where he was a Tank Mechanic. After the military, his ability to fix
things lead him into IT and military contractor work. Upon his return to the US,
he continued solving problems in IT companies such as Sprint, H&R Block, and
Marriott Hotel & Resorts, but also began to pursue Real Estate and his personal
passion of home renovation. His IT, Renovation, and Real Estate skills combine
to make him a great asset to his investor clients that he helps find properties that
are prime for coming back to live via rehab.
RaqayyahHarvey
With over 30 years in the hospitality and service industry Brad has always had his
clients at the forefront of his career. He grew up in St. Louis with a father who
dabbled in real estate. This is where the interest and draw to real estate started.
Brad graduated from Mizzou with a bachelors in Hospitality Management. Soon
after he moved to Kansas City and managed venues such as Loch Lloyd Country
Club, the Webster House and Loose Mansion. Meeting new clients and learning
about their wants and needs is really what drives him. He thoroughly enjoys the
experience of starting with a new client (buyer, seller, etc.), and guiding them
through the process to make it an easy and fun experience for them. Brad, along
with husband, kids, family and friends, enjoys traveling, experiencing new
restaurants and venues in KC, and discovering new bourbons and wines along the
way, during his down time.
BradOzias

9. Urban Cool KC has a FB Page that posts cool
houses every day in the Urban Neighborhoods.
www.facebook.com/urbancoolkcliving and
urbancoolkc.com.
You can also find us on Instagram
@urbancoolkc_ and on
Youtube at Urban Cool KC-KW Key Partners.
4200 Somerset Dr. Ste #101
Prairie Village, KS 66208
Office: (913) 825 - 7500
WehelpyoufindtheCoolinKC