Home Buyers Guide - Birmingham, Alabama

GUIDEBUYER’S

www.MegaAgents.com • 205-249-35352

Buying With The Mega Agent Team

Your Exclusive Buyer AgentThere are three ways in which you can be represented during the purchase of a new home. Why do people often choose the worst form of representation? Usually because of misinformation about the home buying process. Our goal is to be your Exclusive Buyer Agent and to assist you in making well-educated and informed decisions throughout the home buying process. You can be represented in a real estate transaction in the following ways:

The Broker/Agent Acts as an Intermediary (Good for Seller, Good for Buyer)

If the home you buy is listed with the Mega Agent Real Estate Team, then your buyer agent will be assigned to represent you as the buyer in an intermediary capacity. Your buyer agent will still be bound by the duty of confidentiality and will not disclose any of your information to the seller or the seller’s agent. An Intermediary Relationship occurs when one Broker represents both parties in a transaction and assigns individual agents to represent each party exclusively. Each party of the transaction will acknowledge this relationship in writing.

The Broker/Agent Represents the Seller (Good for Seller, Bad for Buyer)

This is the agent who has a writ-ten agreement to manage the sale of the seller’s home and has fiduciary duties to the seller, NOT YOU! In addition, if any agent shows you homes without being in a written buyer representa-tion agreement with you, by law they are acting as a transaction broker and that agent has lim-ited obligations of disclosure and representation to you. In this ar-rangement, the buyer should not tell the agent any information he does not want the seller to know because the seller’s agent must disclose to the owner any mate-rial information they have.

The Broker/Agent Represents the Buyer (Great for Seller, Great for Buyer)

This is how a buyer is represented when they have entered into a written buyer representation agreement with their Exclusive Buyer Agent. The agent MUST put the interests of the buyer first and foremost and will provide the buyer with any material information they have about the seller.

3www.MegaAgents.com • 205-249-3535


What We Can Help You Buy

Existing Homes

For Sale By Owner

New Builder Construction

Our team of Exclusive Buyer Agents will evaluate your home buying needs in our first meeting with you and will then be better prepared to assist you in your home buying search. We are highly skilled in locating the ideal home for you, whether it’s an existing home, a for sale by owner, or a new builder construction!

Once we know your wants and needs based on our initial consultation, we spend time researching properties that meet your criteria. We show you homes listed by any brokerage firm in the Birmingham area, and we are able to narrow a list of hundreds of properties down to a manageable number of properties. Our agents visit hundreds of homes every month and through this real market knowledge, we are able to save you valuable time in the home buying process. We narrow the list and show you only the most well-kept homes, in the best areas, at the best value, that meet your criteria. The bottom line is our systems save you time and money!

We often work with homeowners who wish to sell their home themselves. In fact, many of our listings are people who have tried unsuccessfully to sell their homes themselves. We maintain awareness of all for sale by owner properties in the Birmingham area and will be happy to arrange a showing for you. In this transaction, you will continue to be represented by us with our buyer’s representation agreement. It is the seller who loses, as they complete the transaction with absolutely no professional representation.

Many home buyers are not aware that the sales representatives at new construction sales centers work for the builder, and do not represent the buyer’s best interests. We have extensive knowledge of area builder reputations, floor plans, and lots, as well as schools, neighborhoods, and amenities. As your Exclusive Buyer Agent, we will negotiate the purchase price on your behalf with the builder and assist you in selecting upgrades. We will work throughout the transaction to ensure the building process goes smoothly.

The bottom line is to save

you time & money!



So You’re Ready to Buy a New Home!

1. It allows you to determine how much your monthly payment will be.

2. It helps us to determine what price range we should stay within.

3. It gives you an estimate of how much money you will need to have for the down payment and closing costs.

4. Most importantly, it helps us to negotiate from a stronger position with the seller.

Whether this is your first home purchase or one in a line of several over the past years, we would like to provide you with some basic information up front to prepare you for your search. Buying a home is an exciting process. It is important going into the transaction that you are aware of the costs you will incur when purchasing your home, as well as what your monthly payments will be once you are in your home.

Three Checks Prior to Closing You will need to write three checks prior to closing on your new home. All costs are average and will vary with the price, size, and features of your new home.

Earnest Money (Approx. $500 - $1,000): Payable to the listing agent broker at receipt of the contract. This will be credited toward your closing costs.

Home Inspection (Approx. $300–$400): Payable to the inspector at time of the inspection during the inspection period.

Appraisal (Approx. $500): Payable to the lender after the inspection period expires.

#1Before we get started...The single most important thing for you to do before beginning your new home search is to select and meet with a mortgage lender. It is important to do this before we begin our search for several reasons:

FINANCING



The monthly payment on your new home will include the principal and interest on the loan you receive from your mortgage company. In addition, you will be responsible for paying annual property taxes and homeowner’s insurance. If you choose, you can have your taxes and insurance added to your monthly payment (some loans require this), or you can pay them on an annual basis. The table at the right will give you an idea of the monthly payment you can expect, including your loan principal and interest (P & I) based on a 30-year fixed-rate mortgage at 5% interest. The interest rate can greatly affect your buying power. Be sure to talk with a lender about current interest rates and how they will affect your monthly payment. Taxes and insurance will vary greatly depending on the area in which you live and the features of your home. (Generally, on a $100,000 to $200,000 home, your taxes will range from $750 to $1,600 annually and your homeowner’s insurance will range from $300 to $800 annually.)

Once you have found the home you wish to purchase, your lender will complete a Good Faith Estimate for you that will better approximate your closing costs and estimated monthly payment.

Your Monthly Payment—PITI SAMPLE PAYMENTSYour mortgage payment based on a

30-year fixed-rate mortgage at 5% interest.*

$100,000 $537 $110,000 $590$120,000 $644$130,000 $698$140,000 $751$150,000 $805$160,000 $859$170,000 $912$180,000 $966$190,000 $1,020$200,000 $1,073$210,000 $1,127$220,000 $1,181$230,000 $1,234$240,000 $1,288$250,000 $1,342$260,000 $1,395$270,000 $1,449$280,000 $1,503$290,000 $1,556$300,000 $1,610$310,000 $1,664$320,000 $1,717$330,000 $1,771$340,000 $1,825$350,000 $1,878$360,000 $1,932$370,000 $1,986$380,000 $2,039$390,000 $2,093$400,000 $2,147

Loan Amount Monthly Payment

*Monthly payments listed are principal and interest only. Taxes, insurance, and private mortgage insurance

(if applicable) are additional.


Application for Loan Pre-Approval

Buyer AgentResearchesProperties

View Available Properties

Buyer to Arrange for Homeowner’s

Insurance

Home Inspection

Negotiate for Repairs

Inspection Period

7-10 Days

Inspection Period Ends

Credit Report

Initial Consultation with Buyer Agent

Home Buying Process

Make Offer on Property Negotiate Terms

of Offer

Inspection Addendum

Final Contract

Mortgage Company

Send Loan to Underwriting

Order Appraisal

Loan Approval

Closing Attorney Title SearchOrder Survey

Final Credit Check by Lender

Mortgage Company

Delivers Final Loan Documents to

Closing Attorney

Closing Attorney Prepares HUD 1

Statement

Buyer Brings Cashier’s Check to

Closing

Refer your Friends & Family to the

Mega Agent Real Estate Team

Home Ownership

PHASE ONE

CONTINUE TO PHASE TWO

PHASE TWO


Home Buying Process

Tasks and Time Frames

We will go through several steps together while finding and purchasing your home. For many of these we simply inform you that the task has been completed for you; however, others may require some work from you. We inform you about every aspect of the transaction and remind you when there are tasks that you should be working to complete. The chart on the previous page shows the flow of these tasks so you can better understand the home buying process.

The first step in buying a home is to obtain loan pre-approval. This provides you with the information you need to determine how much home you can afford and what type of monthly payment you are comfortable with. In addition, many sellers do not consider offers from buyers who are not pre-approved. We work with several lenders who have proven to offer exceptional customer service and competitive interest rates.

Task: Secure Financing Time Frame: Before We Begin Looking

Three elements are crucial to the purchase of a home:

Down Payment, Closing Costs & Qualifying for a Mortgage

Down PaymentConventional lenders typically require a 20% down payment, although you may be able to find loans with no down payments. With down payments less than 20%, you will likely have to pay private mortgage insurance, which guarantees the lender will be repaid in case of default. Mortgages insured by the Federal Housing Administration (FHA) and those available to U.S. veterans often require very low down payments. FHA only requires a 3.5% down payment. Ask your lender if you can qualify for one of these loans. If you have trouble coming up with the down payment, there are some tips to ease the burden:

Start early. Begin saving for a down payment as soon as possible. After a few years, it adds up. Ask for a Flex 97 mortgage, underwritten by Fannie Mae. It only requires 3% down provided that you have good credit.


Home Buying Process

2. Closing CostsNo matter what home you buy, there will be closing costs. These can include origination fees, title insurance, attorney fees, a termite report, appraisal fees, document preparation fees and loan underwriting fees. Usually, these are due at closing, but sometimes they can be folded into the mortgage.

3. Loan QualificationPrimarily, your income plus the interest rate secured, determines the size of the mortgage for which you qualify. The higher the interest rate, the higher the monthly payment. The higher the monthly payment, the more income you need to qualify for the mortgage. For conventional financing, lenders generally limit the monthly payment to 28% of your gross monthly income. Exceptions can be made depending on individual circumstances. The amount of debt you currently have may also factor in the decision. You absolutely need to contact a Lender prior to making any offer on any house. This head start gives you a chance to resolve any problems that may arise without the pressure of contract deadlines. You MUST also get Pre-Approved for a loan which will put you in the strongest position to make an offer on a home.

Upon acceptance of your offer, you will arrange for an inspection of the property. This needs to be completed during the inspection period so that if something is discovered during the inspection (that you cannot live with and the seller is not willing to fix), you may cancel the contract and receive a refund of your earnest money. The inspection will take two to four hours, and we strongly suggest you attend the home inspection. All homes will likely have a long list of minor repairs. However, we are mainly looking for major mechanical or structural defects to the property. The cost of the inspection varies based on the size and features of the home and will range from $300 to $400. This payment is due at the time of the inspection.

Convert stocks. Consider selling stock for the down payment. The housing market is often a better investment. Sell an asset. If you have “toys” such as a boat, extra car, or other asset, consider selling it for the down payment. Money from relatives. Today lenders will allow you to use money from relatives as the down payment if it is provided as a gift. Check with your lender for restrictions.

Task: Inspection Time Frame: At Acceptance of Offer


Home Buying Process

After the Inspection, we will complete an amendment to the contract. This amendment will include any items that were discovered during the inspection that you would like the seller to repair for you. We will negotiate on your behalf with the seller for the repairs you want completed. Once an agreement on repairs to be completed has been reached, you will forfeit your right to any further repairs on the property.

Task: Inspection Addendum Time Frame: Immediately After Receipt of Inspection Report

In order to close on your new home, you need to arrange for Homeowner’s Hazard Insurance. You will need to notify your lender of the insurance company you choose, a contact name, and phone number. You may receive a discount by having your car insurance and homeowner’s insurance with the same company, so check with your current insurance agent about that. We recommend that you obtain at least two estimates from different agents and then make a decision.

Task: Obtain Homeowner’s Insurance Time Frame: During Inspection Period

You will need to transfer the utilities to your name before moving into your new home. In order to save money on hook-up fees, call ahead and ask the utility companies to transfer the billing to your name upon cancellation by the seller. In the enclosed service provider list you will find contact information for most of the utility companies in Birmingham and the surrounding areas. If you need further information, please call us; we are here to help you.

Task: Transfer Utilities/ Schedule Services Time Frame: Two Weeks Prior to Closing

Obtaining pre-approval for a home loan is just the first step in funding your loan at closing. Many times buyers plan to use monies from stocks or 401(k) retirement plans as down payment on their new home. If you plan to liquidate stocks or 401(k) to supplement your down payment, the money from the sale of these funds must be available in the form of cash in your bank account at least 72 hours prior to closing. Because a withdrawal from a 401(k) can be a complicated and time-consuming process, we advise you to begin the withdrawal of these funds immediately.

Task: Funds Available in the Bank/ Ensure Loan Quality Time Frame: Two Weeks Prior to Closing


On average, most home mortgage loans goes through a quality control check. The lender does this to ensure that the borrower’s financial status has had no change since the approval of the loan was granted. No matter how good your financial situation, lenders strongly advise against changing your financial status from the date of your loan approval. This includes, but is not limited to, applying for new credit, gaining new credit, purchasing appliances, furniture, cars, changing jobs or quitting your job. An appropriate time to make any of the above financial changes would be after the closing and funding of your new home. If you have any questions about your purchase decisions while you are waiting to close on your new home, please consult your mortgage lender for advice.

Home Buying Process

One day prior to closing, or sometimes just hours prior to closing, the closing attorney will complete the HUD 1 settlement statement. This is the document that tells us how much money you will need to bring to closing. We will call you with this amount and tell you the location of the closing. You will then have a cashier’s check made out to the closing attorney in the correct amount. Bring this check along with your driver’s license to closing. You may also be able to wire funds directly from your bank.

You will receive keys to your new home from the seller when the loan funds. You may be able to begin moving in immediately following closing. The closing will take approximately one hour.

Task: HUD 1 Time Frame: One Day Prior to Closing

Task: Closing Time Frame: Day of Closing

(205) 223-0079


Area Utility ProvidersALABASTERElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterAlabaster Water (205) 663-6155 www.AlabasterWater.com

TrashRepublic Services (205) 923-1650 www.republicservices.com

GasAlabama Gas Co. (205) 326-8200 www.Alagasco.com

TelephoneAT&T (Bellsouth) (888) 757-6500 www.Att.com

Cable/Satellite TVCharter Cable (888) 438-2427 www.Charter.comDish Network (888) 825-2557 www.Dish.comDirecTV (800) 531-5000 www.DirecTV.com

BESSEMERElectricAlabama Power Co. (205) 245-2244 www.AlabamaPower.com/Residential/

Bessemer Utilities (205) 481-4335 www.BessemerUtilities.com

WaterBessemer Utilities (205) 481-4335 www.BessemerUtilities.com

TrashWaste Management (205) 841-2740 www.WM.com



Cable/Satellite TVBright House Networks (205) 591-6880 www.BrightHouse.comDish Network (888) 825-2557 www.Dish.comDirecTV (800) 531-5000 www.DirecTV.com

BIRMINGHAMElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterBirmingham Water Works (205) 244-4000 www.BirminghamWater Works.com

TrashRepublic Services (205) 923-1650 www.republicservices.com




CALERAElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterCity of Calera (205) 668-3503 www.CityofCalera.org

SewerCity of Calera (205) 668-3503 www.CityofCalera.org

TrashCalera Public Works Dept (205) 668-3511 www.CityofCalera.org




CHELSEAElectricAlabama Power Co. (205) 245-2244 www.AlabamaPower.com/Residential/

SewerSouthwest Water Authority (205) 733-1672 www.swwc.com

WaterSouthwest Water Company(205) 733-1672 www.swwc.com

TrashWaste Pro (205) 432-0878 www.wasteprousa.com




CLAY-CHALKVILLEElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/


TrashRepublic Sevices (205) 923-1650 www.RepublicServices.com



Cable/Satellite TVCharter Cable (888) 438-2427 www.Charter.com

Note: Republic Services is also commonly known as “Allied Waste.”


Area Utility ProvidersDish Network (888) 825-2557 www.Dish.comDirecTV (800) 531-5000 www.DirecTV.com

COLUMBIANAElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterColumbiana Water Works (205) 669-5805 www.CityofColumbiana.com

TrashThe City of Columbiana (205) 669-5800 www.CityofColumbiana.com




FAIRFIELDElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/






FORESTDALEElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/


TrashAdvanced Disposal (205) 620-6148 www.AdvancedDisposal.com



Cable/Satellite TVCharter Cable (888) 438-2427 www.Charter.com

Dish Network (888) 825-2557 www.Dish.comDirecTV (800) 531-5000 www.DirecTV.com

FULTONDALEElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/


TrashVeolia Environmental (205) 640-7000 www.veoliaes.com




GARDENDALEElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/


TrashRepublic Sevices (205) 923-1650 www.RepublicServices.com




HOMEWOODElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/


TrashCity of Homewood/Street & Sanitation (205) 332-6816 www.Homewoodal.net





Area Utility ProvidersCable/Satellite TVBright House Networks (205) 591-6880 www.BrightHouse.comDish Network (888) 825-2557 www.Dish.comDirecTV (800) 531-5000 www.DirecTV.com

HELENAElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterHelena Water (205) 663-1670 www.CityofHelena.org

TrashCity of Helena (205) 663-2161www.CityofHelena.org




HOOVERElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterBirmingham Water Works (205) 244-4000 www.BirminghamWater Works.comSouthwest Water Company(205) 733-1672 www.swwc.comShelby County Water Services (205) 678-2818 www.shelbycounty alabama.com TrashRepublic Sevices (205) 923-1650 www.RepublicServices.com



Cable/Satellite TVBright House Networks (205) 591-6880 www.BrightHouse.comCharter Cable (888) 438-2427 www.Charter.comDish Network (888) 825-2557 www.Dish.comDirecTV (800) 531-5000 www.DirecTV.com

HUEYTOWNElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/


Warrior River Authority (205) 477-5791 www.warriorriverwater.com

TrashHueytown City Hall (205) 491-7010 www.hueytownal.org

GasAlabama Gas Co. (205) 326-8200 www.Alagasco.com TelephoneAT&T (Bellsouth) (888) 757-6500 www.Att.com Cable/Satellite TVCharter Cable (888) 438-2427 www.Charter.comDish Network (888) 825-2557 www.Dish.comDirecTV (800) 531-5000 www.DirecTV.com

IRONDALEElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

Water Irondale Water (205) 951-1410www.cityofirondale.org

TrashIrondale Sanitation (205) 951-1420 www.cityofirondale.org



Cable/Satellite TVBright House Networks (205) 591-6880 www.BrightHouse.com Charter Cable (888) 438-2427 www.Charter.comDish Network (888) 825-2557 www.Dish.comDirecTV (800) 531-5000 www.DirecTV.com LEEDSElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/ WaterLeeds Water Works (205) 699-5151 www.lwwb.com TrashVeolia Environmental (205) 640-7000 www.veoliaes.com




MAYLENEElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/



Area Utility ProvidersWaterAlabaster Water (205) 663-6155 www.AlabasterWater.com

TrashRepublic Services (205) 923-1650 www.RepublicServices.com




MIDFIELDElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/





Cable/Satellite TVBright House Networks (205) 591-6880 www.BrightHouse.comDish Network (888) 825-2557 www.Dish.comDirecTV (800) 531-5000 www.DirecTV.com

MONTEVALLOElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterMontevallo Water (205) 665-9045 www.MontevalloWater.com

TrashWaste Pro (205) 432-0878 www.WasteProUSA.com




MOODYElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterBirmingham Water Works (205) 244-4000 www.BirminghamWater Works.comLeeds Water Works (205) 699-5151 www.lwwb.comOdenville Water Works (205) 629-5801 www.oubwater.org



TelephoneWINDSTREAM (800) 501-1754 www.WindStream.com


MOUNTAIN BROOKElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/






NORTH SHELBY COUNTY & INDIAN SPRINGSElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterPelham Water (205) 620-6420 www.PelhamOnline.com

TrashWaste Pro (205) 432-0878 www.WasteProUSA.com



Cable/Satellite TVCharter Cable (888) 438-2427 www.Charter.comDish Network (888) 825-2557 www.Dish.com


Area Utility ProvidersDirecTV (800) 531-5000 www.DirecTV.com

ODENVILLEElectricAlabama Power Co. (800) 245-2244www.AlabamaPower.com/Residential/

WaterOdenville Water (205) 629-5801 www.oubwater.org





PELHAMElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterPelham Water (205) 620-6420 www.PelhamOnline.com

Trash Trash Taxi (205) 419-4005 www.TrashTaxi.com

GasAlabama Gas Co. (205) 326-8200 www.Alagasco.com TelephoneAT&T (Bellsouth) (888) 757-6500 www.Att.com


PELL CITYElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterPell City Water Dept. (205) 338-2244 www.epell.net





PINSONElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/


TrashVeolia Environmental (205) 640-7000 www.veoliaes.com GasAlabama Gas Co. (205) 326-8200 www.Alagasco.com



PLEASANT GROVEElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/






SHELBYElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/ WaterShelby County Water Services (205) 678-2818 www.shelbycounty alabama.com

TrashThe City of Columbiana (205) 669-5800 www.CityofColumbiana.com



Cable/Satellite TVCharter Cable (888) 438-2427 www.Charter.comDish Network (888) 825-2557 www.Dish.com


DirecTV (800) 531-5000 www.DirecTV.com

TALLADEGAElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

WaterTalladega Water (256) 362-4439 www.Talladegawsb.com

TrashVeolia Environmental (205) 640-7000 www.veoliaes.com GasAlabama Gas Co. (205) 326-8200 www.Alagasco.com



TARRANTElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/


TrashRepublic Services (205) 923-1650 www.RepublicServices.com




TRUSSVILLEElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/

Water/Trash/GasTrussville Utilities (205) 655-3211 www.Trussville.com



VESTAVIA HILLSElectricAlabama Power Co. (800) 245-2244 www.AlabamaPower.com/Residential/


TrashCity of Vestavia Hills (205) 978-0150 www.VestaviaHills.net


TelephoneAT&T (Bellsouth) (888) 757-6500 www.Att.com Cable/Satellite TVCharter Cable (888) 438-2427 www.Charter.comDish Network (888) 825-2557 www.Dish.comDirecTV (800) 531-5000 www.DirecTV.com

Area Utility Providers


COLLIERCollier Swecker is a founding partner of the Mega Agent Real Estate Team at RE/MAX Advantage. Collier leads the team’s listing division. Collier and his Mega Team are among the most successful Real Estate Agents in the Birmingham Alabama real estate market. As a Realtor®, he has been able to utilize his legal and marketing skills to help clients save thousands of dollars and avoid costly contractual mistakes.

Collier graduated from Auburn University (B.A., 1998), Cumberland School of Law (Juris Doctor, 2002) and Washington University School of Law in St. Louis (Masters of Law in Taxation, 2003). Collier was the principal partner in a law practice, Swecker and Sparks, for 3 years in Auburn, Alabama.

Collier is married to Amanda Capps Swecker and lives in North Shelby County. Collier & Amanda are the proud parents to a beautiful daughter, Julia Abigayle. They also have one dog named Kramer.

MARKMark Carlisle is a founding partner of the Mega Agent Real Estate Team. Mark leads the team’s buyers division. An extremely strong business background, exceptional real estate knowledge, and compassion explain why so many people have chosen Mark Carlisle as their Realtor® of choice in Greater Birmingham, Alabama for over 12 years. Mark received a Bachelor’s Degree in Finance and Investment Management with a Computer Science minor from The University of Alabama.

Mark is a strong believer in his personal priorities that are: God, Family, & Business (in that order!) In his personal time, Mark enjoys spending time with his family, coaching his son’s sports teams, and playing sports including golf, tennis, basketball, and softball.

He also enjoys singing and playing the guitar. Mark is an active member of The Church at Brookhills in Birmingham, AL. Mark is married to Crissy Buchanan Carlisle. Mark and Crissy have one son, Nicholas.

Meet Our Team


KEN Ken Williams is a Buyer’s Agent for The Mega Agent Real Estate Team at RE/MAX Advantage. He studied Political Science at Mississippi State University, where he developed a passion for serving and helping others. Ken approaches his business with the heart of a teacher, ensuring his clients understand and are comfortable with every aspect of the home buying process.

In his personal time, Ken enjoys spending time with his wife and playing sports including fencing, basketball and ultimate Frisbee. Ken is an active member at Trinity United Methodist Church in Homewood, AL. Ken is married to Brooke, and they have one dog, Ace.

ORRETT Orrett Bailey is a Mega Agent with a teacher’s heart, he is committed to assisting you with realizing your real es-tate goals. Prior to serving as a Realtor, he devoted over a decade to various leadership roles in the nonprofit sector including serving as an Executive Director and a Senior Pastor.

As a focused listener and an able advisor, Orrett is dedi-cated to the highest levels of professionalism and ser-vice for his clients. He is committed to placing his clients’ needs at the forefront of every transaction, facilitating outcomes that are in their best interest. Orrett brings a wealth of knowledge about real estate, having pursued an MBA from the University of Alabama with a special-ization in Real Estate.

Orrett and his family currently live in North Shelby County and have lived in the area for over 8 years.

Meet Our Team


DIANNEDianne Daniels is the Client Care Coordinator for the Mega Agent Real Estate Team. An Iowa native, Dianne has called Birmingham home since 1995. Having honed her administrative skills in a variety of roles over the past several years, she’s proud to be part of the team.

In her free time, Dianne is very active in local theatre as an actor and director. She currently serves as president on the Executive Board of South City Theatre, a non-profit theatre in Shelby County.

JULIEJulie May is the Marketing Director for the Mega Agent Real Estate Team and owner of Anything Creative, a creative design firm. Julie has partnered with the team to create compelling advertising and sales material for our programs and listings. She brings more than 10 years of design and marketing experience to The Mega Agent Real Estate Team.

Julie graduated from The University of Alabama with a degree in Communications and a minor in the Computer-Based Honors program. She is married to Jordan and has one daughter, Abigail.

Meet Our Team


Many agents think their most important job is satisfyingthe customer. I don’t think that’s true. I believe that satisfying the customer is simply the minimum requirement for staying in business. We work constantly to improve our systems, processes, and services to go well beyond the standard level of “service” provided by most agents.

Simply put, our objectives are to get you the best value,in the least time, and with the fewest hassles. We want to provide the absolute best service in the industry. Period.

We want to make sure that you are so satisfied that you bought your home with our team, that you will refer us to all of your friends and family.

Mark CarlisleCo-Founder

The Mega Agent Real Estate TeamRE/MAX Advantage

Date post:	13-Apr-2015
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