Buyer Checklist
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GETTING STARTED
Signed Buyer Representation Agreement
Pre-Approval Letter Received
Buyer Consultation Complete
Set Up Property Search Alerts
Identify Target Neighborhoods
ACTIVELY SHOPPING
Showings Scheduled
Properties Toured
Offer Strategy Discussion
OFFER & NEGOTIATION
Offer Submitted
Counter-Offer / Negotiation
Offer Accepted / Under Contract
DUE DILIGENCE
Earnest Money Deposited
Home Inspection Scheduled
Home Inspection Complete
Inspection Negotiations / Repairs
Appraisal Ordered
Appraisal Complete
Survey Ordered
Survey Complete
Title Search Initiated
HOA Documents Reviewed
Homeowners Insurance Bound
Wire Fraud Warning Sent
CLOSING
Clear to Close from Lender
Closing Disclosure Reviewed
Final CD Sign Off from Ryan
Final Walk-Through Scheduled
Final Walk-Through Complete
Closing Day
Keys Handed Off
MLS Updated to Closed
Commission Confirmed
Request Review and Referral Via Email
90-Day Post-Close Follow-Up
Details
Connected to lender Ali Dubois 2/16. On Meet Ryan drip campaign.
hotlead: yes
timeline: Now -- actively looking
Notes
Ryan connected Jake to lender Ali Dubois (alidubois@atlanticbay.com) on 2/16/2026.
Girlfriend name: Sydney (not Joanna — transcription error). Preferred lender: Ali Dubois, Atlantic Bay (alidubois@atlanticbay.com). Intro email sent 2/16.
The following 1 contacts were merged into this person:
Jack Murphy
Call Summary — Jake Murphy
Date: Feb 16, 2026 | Duration: ~15 min
Background
First-time homebuyer
Works for an office management firm on South Blvd area
Girlfriend is a nurse at Atrium Health (main campus), medical ICU
She plans to go back to school in the future
Current Situation
Renting 1BR in South End (~$2,500/mo)
Lease expires August 2026
Combined income ~$130K
Savings: $180K–$200K liquid
Looking at $500K range homes, could put 10% down
VA Loan Eligibility
Attended Air Force Academy prep school (enlisted status), has DD-214
Played basketball, transferred to Monmouth for junior year
Has GI Bill access
VA loan eligible — 0% down, no PMI, best rates
Ryan explained VA benefits — this changes the game for their budget
Location & Property Preferences
Currently love South End lifestyle (young couple)
Looked at Tripoint Homes near the Arboretum (Sardis Woods area) — impressed but felt it was too far out
Leaning toward townhome (new construction) for fewer maintenance issues
Ryan advised caution on townhomes — tough resale due to oversupply of new construction; builders always offering incentives that compete with resale
Open to single family if it makes financial sense
Timeline
Targeting August move (lease end)
Ryan advised they are NOT too early — spring inventory hitting market in 6–12 weeks
Could find something in March, close April, skip May payment, first payment June
Next Steps
Connect Jake with Ali (lender) via email for pre-approval
Jake will get girlfriend Joanna involved — include her on the Ali email thread
Once pre-approved, schedule follow-up call to discuss target areas/neighborhoods based on actual budget
Ryan to advise on best areas based on budget, lifestyle, and investment potential
Notes
Jake is analytical — works in financial planning, does his own research
Appreciates honesty over sales pitch
Girlfriend was sleeping during call but will be involved going forward
Referral From Coble and Becca Wright
Buyer. Wife's name is Sydney. Meeting call scheduled for tomorrow (Feb 16). Added by Jarvis.