Buying a home is a rewarding adventure and we're so happy to have the opportunity to bring your real estate dreams to life! In doing so, we aim to instill knowledge and confidence in all our buyers while helping them successfully navigate through every step of the process.
In the following presentation, you’ll be provided an outline of everything you need to know from consultation to handing over the keys. Our mission is to deliver world-class customer service and a winning experience.
Kayla Ruby was born and raised in a small town in Kentucky and moved to North Dakota nine years ago. She originally came out here to make some money and then leave for the Navy, but fate had a different idea. Kayla ended up falling in love and decided to make Watford City her forever home. She is now married to the man of her dreams and has three beautiful daughters. Kayla spends her days running her household, homeschooling, and managing expenses. She's very active in the community and volunteers at her church whenever she's needed. She previously ran her own cleaning company and knows the value of good work ethics and follow through. Kayla decided to join Proven Realty after her husband Dan did. She began watching the extensive training videos with Dan and decided that this is a career that she would love. She really enjoys helping people, and she knew from the start that Proven Realty would be the perfect place to start her real estate career due to their "Go Giver" philosophy, which was a perfect fit for Kayla's internal compass and her high level of integrity. Kayla is well known in her circle for her big heart and trustworthiness, she is a great friend and will make an awesome addition to the Proven Team!
Kayla loves fitness, health, and cooking. She runs whenever she gets a chance and recently ran her first half marathon. She thrives on a challenge and loves to see success come from hard work.
Proven Track Record
Service
Provide great customer service by building bonds with clients that lead tolong-term relationships where we truly care about their needs.
Knowledge
By pursuing excellence in our expertise as agents we can better service our clients and lead them to home ownership in a smooth and easy process.
Integrity
Be ethical in all you do and communicate with honesty while paying attention to the details of each and every client, agent, and transaction.
Market Trends in Watford city, ND 58854
Market data as of:
The Market Action Index (MAI) is a literal temperature gauge that shows whether the market favors buyers or sellers. An MAI of 30 is typically balanced; over 30 is a seller's market, under 30 is a buyer's market.
Buyer markets
Buyers get better deals and more choices when MAI is low.
Seller markets
Sellers can list for higher prices and quicker sales when MAI is high
Market data as of:
View current market trends
Scan the QR code to see the current Market Trends report
Processes
1
Consultation
We’ll sit down together and help you determine your needs wants and goals while offering my personal industry expertise and strategies for bringing your vision to life.
2
Pre-Approval
Getting pre-approved will help you know exactly what you can afford so you can confidently focus on the right homes. Plus, it shows sellers you’re serious, giving you an edge when making an offer.
3
Property tours
After you have reviewed and selected which homes you want to tour, we get to go shopping! This is where you can start figuring out what you really want in your new home.
4
Write offer
Once we find the home of your dreams, we'll submit an official offer - including but not limited to sale price, inspection contingencies, and closing costs. The seller then has time to accept, reject, or counter your offer.
5
Under Contract or Escrow
With your offer accepted, we enter a 30-day Escrow period. This involves a neutral third party company that holds funds while conducting a thorough underwriting process to ensure all aspects of the contract are upheld properly
6
Appraisal
The appraisal is ordered by your lender to protect their investment. They have their own checklist of things they look at for the final approval to move forward. The appraiser can demand repairs completed by the seller before they will give their approval.
7
Inspections
Now that you've found your home we need to order the inspection. The inspection will let you know what repairs are needed, some are minor and some may be safety issues. Don't worry, you are still protected.
8
Closing
Congratulations! You now own a home and can get moved in. It's time to celebrate and have your housewarming and show off your home. We will be standing by to answer any questions you may have about home-ownership and have a list of contractors if the need arises.
★
Exceptional reviews that reflect a pattern of excellence with my past clients.
Raving Reviews
We absolutely loved working with Kayla! She went above and beyond while working with us to sell a house Kayla represented us well and made the process so easy for us. Would recommend her to anyone buying or selling in the Watford area as we will use her every time!
-Macus Rogue
She was always available for questions that we had and was prompt in her timing in answering them. She made the process of purchasing our property go so smoothly. We appreciate her kindness, flexibility and willingness to work with us. We would highly recommend working with Kayla Ruby.
-Jessie Palaniuk
I cannot thank Kayla enough for helping me during my house sale! She was so incredibly patient and kind too me. 84729173% recommend her to ANYBODY looking to buy/sell.
-Kersyn Jasmann
Review has been shortened using AI, click the review to read the full review.
Review has been shortened using AI.
Loyalty
This custom presentation that I’ve shared with you is an example of the care and effort I put into each client. I recognize that this purchase is one of the largest financial transactions of your life and it deserves careful consideration and wise planning. In light of this, I feel strongly that mutual respect and understanding are key components of me helping you accomplish your real estate goals.
Reviewing each others roles and responsibilities as we embark on the next steps of your home-buying journey is how we can decide if we are ready to be loyal to one another.
What buyers need to know about the National Association of Realtors (NAR) changes.
Starting August 17th, 2024
It is required to complete and sign a written agreement before showing a home. This applies to buyers requiring the services of any licensed agent in the U.S. to visit a property.
By Signing the Agreement to Partner with an Agent
Our agent is dedicated to you and committed to finding a home that meets your needs.
With a proven track record
We have the knowledge and experience to be the BEST asset in your real estate endeavors.
Signing a Buyers Broker Agreement or BBA
This is an agreement to engage with a professional real estate agent to consult, show homes, negotiate contracts, and advocate.
It will establish the length of the agreement
It shows the agent/broker's services and responsibilities
It explains the agreement's exclusivity between Broker and client, what fees are owed for services rendered, and how to terminate the agreement. It mentions additional fees if the buyer signs with more than one agent.
It provides a clear explanation of the various ways an agent can be compensated for their services to the Buyer.
49 More Ways
Agents Who Are Realtors ® Are Worth Every Penny Of Their Compensation.
Here’s a look at all the things – big and small –
that a REALTOR ® may do to help clients when buying a home.
Negotiating Offers
Assist the buyer in getting the best property at the best price
Suggest that the buyer learn more about the neighborhood prior to makingan offer
Prepare a comparative market analysis (CMA) in advance of making an offer
Prepare the buyer to have the most attractive offer in the current marketplace
Explain common contract contingencies and include approved protective clauses in the purchase offer
Ensure that the buyer receives and understands all state and federally-required disclosure forms
Prioritize contract negotiation goals with the buyer
Help create a negotiating strategy
Use strategies such as an escalation clause to maintain a competitive offer
Prepare the buyer for a multiple offer situation and develop negotiation strategies
Write an offer that has a reasonable chance of being accepted
Recommend optional contingencies and explain the pros and cons of using them
Provide information on purchasing incentives that may be available
Discuss financing alternatives
Negotiate the buyer’s offers to arrive at the best price and terms
Utilize hyperlocal expertise and strong communication skills to assist the buyer in being the successful offer
Advocating for the Buyer and Facilitating the Close (Part 1/2)
Advocate for the buyer throughout the entire process
Encourage the buyer to fully investigate their options in terms of a home inspector, title company, appraiser, mortgage lender, and other services
Present a list of the types of required and optional inspections such as environmental, roofing, and mold
Review and discuss home inspection concerns
Negotiate repair requests from home inspection
Guide the buyer on meeting all contract deadlines
Assist in coordinating communications
Advise the buyer to review the settlement statement
Inform clients that they need to transfer utilities to the new residence
Schedule final walkthrough
Accompany the buyer on the walkthrough
Assist the buyer in questioning the appraisal report if it affects the financing
Confirm clear-to-close with the lender
Ensure all parties have all forms and information needed to close the sale
Remind the buyer of the location where the closing will be held
Confirm the closing date and time, and notify parties if there are changes
Gather all required forms and documents for closing
Explain flood insurance to the buyer
Explain title insurance to the buyer and refer to qualified insurance broker
Order any surveys needed
Advocating for the Buyer and Facilitating the Close (Part 2/2)
Order the appraisal
Order the title search
Confirm the status of the loan funding
Check addendums and alterations for agreed terms
Review the buyer’s closing statement to ensure accuracy
Explain wire fraud risks and remind clients to verify all wiring instructions before transferring funds
Double-check all tax, homeowners’ association dues, utility, and applicable prorations, if relevant
Request final closing figures from the closing agent (often an attorney ortitle company)
Receive and carefully review closing figures to ensure accuracy
Receive and carefully review title insurance commitment with the buyer
Advise the buyer to re-key their locks and to consider a one-time cleaning service or landscaping before moving day
Review documents with the closing agent (attorney)
Support the buyer in any final closing activities
Actual services provided will depend on the needs of the buyer and the transaction –not all 105 things will need to be done in every transaction.
Featured content from the Center for REALTOR® Development’s Accredited Buyer’s Representative (ABR®) Designation Course. Visit crd.realtor to learn more.
I'm sure you have questions and thoughts about the real estate process. I'd love to talk with you about what you've read here and help you on the path to buying your new home.
In everything we do, we are driven to help others, because behind every transaction there is a vision, a goal, a dream waiting to come to life. In doing so, we bring our expertise, our instincts from years of experience, and our complete dedication to you.
This is only the beginning of an exciting journey to a bright and shining new future. And it's only the beginning of our commitment to servicing your every real estate need.
Thank you for the opportunity to help you find your perfect home!
We'll be right there with you, every step of the way.
Your Guide to
Home Ownership
Knowledge, Experience, Professionalism
Dear
Buying a home is a rewarding adventure and we're so happy to have the opportunity to bring your real estate dreams to life! In doing so, we aim to instill knowledge and confidence in all our buyers while helping them successfully navigate through every step of the process.
In the following presentation, you’ll be provided an outline of everything you need to know from consultation to handing over the keys. Our mission is to deliver world-class customer service and a winning experience.
Sincerely,
- you're in great hands -
Meet
Proven Track Record
Service
Provide great customer service by building bonds with clients that lead tolong-term relationships where we truly care about their needs.
Knowledge
By pursuing excellence in our expertise as agents we can better service our clients and lead them to home ownership in a smooth and easy process.
Integrity
Be ethical in all you do and communicate with honesty while paying attention to the details of each and every client, agent, and transaction.
Market data as of:
The Market Action Index (MAI) is a literal temperature gauge that shows whether the market favors buyers or sellers. An MAI of 30 is typically balanced; over 30 is a seller's market, under 30 is a buyer's market.
Buyer markets
Buyers get better deals and more choices when MAI is low.
Seller markets
Sellers can list for higher prices and quicker sales when MAI is high
Market data as of:
View current market trends
Scan the QR code to see the current Market Trends report
Processes
1
Consultation
We’ll sit down together and help you determine your needs wants and goals while offering my personal industry expertise and strategies for bringing your vision to life.
2
Pre-Approval
Getting pre-approved will help you know exactly what you can afford so you can confidently focus on the right homes. Plus, it shows sellers you’re serious, giving you an edge when making an offer.
3
Property tours
After you have reviewed and selected which homes you want to tour, we get to go shopping! This is where you can start figuring out what you really want in your new home.
4
Write offer
Once we find the home of your dreams, we'll submit an official offer - including but not limited to sale price, inspection contingencies, and closing costs. The seller then has time to accept, reject, or counter your offer.
5
Under Contract or Escrow
With your offer accepted, we enter a 30-day Escrow period. This involves a neutral third party company that holds funds while conducting a thorough underwriting process to ensure all aspects of the contract are upheld properly
6
Appraisal
The appraisal is ordered by your lender to protect their investment. They have their own checklist of things they look at for the final approval to move forward. The appraiser can demand repairs completed by the seller before they will give their approval.
7
Inspections
Now that you've found your home we need to order the inspection. The inspection will let you know what repairs are needed, some are minor and some may be safety issues. Don't worry, you are still protected.
8
Closing
Congratulations! You now own a home and can get moved in. It's time to celebrate and have your housewarming and show off your home. We will be standing by to answer any questions you may have about home-ownership and have a list of contractors if the need arises.
Unique Value I Provide My Clients
★
Customized listing search to find the perfect home.
Professional Network to help your purchase go smoothly
Professional Network
★
Market insights as a result of my recent sales in your area
My sales activity in your desired search area will directly benefit you due to my market knowledge, negotiating prowess, and insights into local activity!
Price Range
Beds & Baths
Property Types
★
Exceptional reviews that reflect a pattern of excellence with my past clients.
Raving Reviews
Review has been shortened using AI, click the review to read the full review.
Review has been shortened using AI.
Loyalty
This custom presentation that I’ve shared with you is an example of the care and effort I put into each client. I recognize that this purchase is one of the largest financial transactions of your life and it deserves careful consideration and wise planning. In light of this, I feel strongly that mutual respect and understanding are key components of me helping you accomplish your real estate goals.
Reviewing each others roles and responsibilities as we embark on the next steps of your home-buying journey is how we can decide if we are ready to be loyal to one another.
Agents Who Are Realtors ® Are Worth Every Penny Of Their Compensation.
Here’s a look at all the things – big and small –
that a REALTOR ® may do to help clients when buying a home.
Counseling Session Activities
Prepare the buyer for executing a buyer representation agreement
Explain agency relationships to the buyer and get state required legal consent to represent, if needed
Inform the buyer of working relationship based on state law, the REALTORS® Code of Ethics, and the broker’s business policies
Building a Relationship
Learn the buyer’s wants and non-negotiable needs
Understand the buyer’s budget and what will be needed financially
Help the buyer understand what property their chosen budget will buy
Consider having the buyer fill out a homebuyer’s checklist
Assist the buyer in examining how much they can afford to spend
Provide quality lender resources
Partner with the buyer to locate suitable properties for consideration
Match the buyer’s needs with available property
Constantly re-evaluate buyer’s needs and refocus property showings to fit those needs
After ensuring the buyer understands what is done for them, how it is done,and the benefit to them, obtain signatures on the buyer representation agreement
Explain how compensation is paid, who pays it, and what the buyer’s options are for paying it
Educating the Buyer
Communicate the working relationship based on state law, the REALTORS® Code of Ethics, and the broker’s business policies
Explain Federal and State Fair Housing laws
Explain what to look for in applicable property disclosures
Reassure the buyer that their personal information will remain confidential
Inform the buyer that you will always disclose all known material defects
In accordance with state law, provide information on checking the sex-offender registry and crime statistics for the neighborhood
Discuss available resources that the buyer can check to learn more about prospective neighborhoods
REALTORS® are members of the National Association of REALTORS®
Preparing the Buyer
Explain the timeline for house hunting, mortgage approval, and closing
Explain the local market and how it impacts the buyer
Show statistics on what percentage of list price sellers in the area are currentlyreceiving
Inform the buyer on what home features are popular
Identify current average days on market
Share the dangers of using the price per square foot to figure home values
Explain the concept of absorption rate and how it impacts the buying process
Indicate current listing months of market inventory
Share estimated potential out-of-pocket costs to complete the transaction
Assist the buyer in analyzing the loan estimates
Qualify the buyer for financial ability to purchase
Help the buyer account for the complete costs of homeownership
Prepare lender for listing agent calls
Assist in comparing different financing options
Help the buyer select for viewing only those homes that fit their needs
Proceed in showing homes that fit the buyer’s must-haves
Caution the buyer on posting information to social media
Review the sample sales contract so the buyer is prepared when it comes time to make an offer
Showing Properties
Schedule showings and provide access to all listed properties as soon as they become available in their local MLS broker marketplaces
Educate the buyer on the immediacy of new listings appearing in their local MLS broker marketplaces and the lag time for them to appear on some websites
Collaborate with the buyer on properties they may have learned about through their sphere contacts
Research and assist on all unlisted properties the buyer wishes to see
Preview properties prior to showing if needed
Network with other agents to source properties not yet in their local MLS broker marketplaces
Contact homeowners in focus areas to see if they are considering selling
Set up an automated email alert system through their local MLS broker marketplaces that immediately notifies the buyer of properties that fit discussed requirements
Arrange a tour of areas, schools, and key points of interest
Provide resources containing neighborhood information on municipal services,schools, etc.
Inform the buyer of negative aspects like nearby venues or operations that may result in issues that could impact value
Collect and share any other vital information on available homes, remembering to follow all fair housing laws at all times
Check applicable zoning and building restrictions
Help the buyer decipher public property and tax information
Collect and share pertinent data on values, taxes, utility costs, etc.
Compare each property shown to the buyer’s wants and needs list and remind them of what they were looking for
Help the buyer narrow the search until the buyer identifies top choices
Negotiating Offers
Assist the buyer in getting the best property at the best price
Suggest that the buyer learn more about the neighborhood prior to makingan offer
Prepare a comparative market analysis (CMA) in advance of making an offer
Prepare the buyer to have the most attractive offer in the current marketplace
Explain common contract contingencies and include approved protective clauses in the purchase offer
Ensure that the buyer receives and understands all state and federally-required disclosure forms
Prioritize contract negotiation goals with the buyer
Help create a negotiating strategy
Use strategies such as an escalation clause to maintain a competitive offer
Prepare the buyer for a multiple offer situation and develop negotiation strategies
Write an offer that has a reasonable chance of being accepted
Recommend optional contingencies and explain the pros and cons of using them
Provide information on purchasing incentives that may be available
Discuss financing alternatives
Negotiate the buyer’s offers to arrive at the best price and terms
Utilize hyperlocal expertise and strong communication skills to assist the buyer in being the successful offer
Advocating for the Buyer and Facilitating the Close (Part 1/2)
Advocate for the buyer throughout the entire process
Encourage the buyer to fully investigate their options in terms of a home inspector, title company, appraiser, mortgage lender, and other services
Present a list of the types of required and optional inspections such as environmental, roofing, and mold
Review and discuss home inspection concerns
Negotiate repair requests from home inspection
Guide the buyer on meeting all contract deadlines
Assist in coordinating communications
Advise the buyer to review the settlement statement
Inform clients that they need to transfer utilities to the new residence
Schedule final walkthrough
Accompany the buyer on the walkthrough
Assist the buyer in questioning the appraisal report if it affects the financing
Confirm clear-to-close with the lender
Ensure all parties have all forms and information needed to close the sale
Remind the buyer of the location where the closing will be held
Confirm the closing date and time, and notify parties if there are changes
Gather all required forms and documents for closing
Explain flood insurance to the buyer
Explain title insurance to the buyer and refer to qualified insurance broker
Order any surveys needed
Advocating for the Buyer and Facilitating the Close (Part 2/2)
Order the appraisal
Order the title search
Confirm the status of the loan funding
Check addendums and alterations for agreed terms
Review the buyer’s closing statement to ensure accuracy
Explain wire fraud risks and remind clients to verify all wiring instructions before transferring funds
Double-check all tax, homeowners’ association dues, utility, and applicable prorations, if relevant
Request final closing figures from the closing agent (often an attorney ortitle company)
Receive and carefully review closing figures to ensure accuracy
Receive and carefully review title insurance commitment with the buyer
Advise the buyer to re-key their locks and to consider a one-time cleaning service or landscaping before moving day
Review documents with the closing agent (attorney)
Support the buyer in any final closing activities
Actual services provided will depend on the needs of the buyer and the transaction –not all 105 things will need to be done in every transaction.
Featured content from the Center for REALTOR® Development’s Accredited Buyer’s Representative (ABR®) Designation Course. Visit crd.realtor to learn more.
Buyer Specialist
Let's Chat.
I'm sure you have questions and thoughts about the real estate process. I'd love to talk with you about what you've read here and help you on the path to buying your new home.
I look forward to working with you.
Thank you!
In everything we do, we are driven to help others, because behind every transaction there is a vision, a goal, a dream waiting to come to life. In doing so, we bring our expertise, our instincts from years of experience, and our complete dedication to you.
This is only the beginning of an exciting journey to a bright and shining new future. And it's only the beginning of our commitment to servicing your every real estate need.
Thank you for the opportunity to help you find your perfect home!
We'll be right there with you, every step of the way.
What buyers need to know about the National Association of Realtors (NAR) changes.
Starting August 17th, 2024
It is required to complete and sign a written agreement before showing a home. This applies to buyers requiring the services of any licensed agent in the U.S. to visit a property.
By Signing the Agreement to Partner with an Agent
Our agent is dedicated to you and committed to finding a home that meets your needs.
With a proven track record
We have the knowledge and experience to be the BEST asset in your real estate endeavors.
Signing a Buyers Broker Agreement or BBA
This is an agreement to engage with a professional real estate agent to consult, show homes, negotiate contracts, and advocate.
It will establish the length of the agreement
It shows the agent/broker's services and responsibilities
It explains the agreement's exclusivity between Broker and client, what fees are owed for services rendered, and how to terminate the agreement. It mentions additional fees if the buyer signs with more than one agent.
It provides a clear explanation of the various ways an agent can be compensated for their services to the Buyer.
