Image

Your Guide to

Home Ownership

Carolyn (CJ) Tudino presents to Freda Lury

Knowledge, Experience, Professionalism

Dear

Freda Lury

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,

Carolyn (CJ) Tudino

- you're in great hands -

1726791586203-CJBlonde_2500.webp

Meet

Carolyn (CJ) Tudino

REALTOR®
(401) 535-6845

               Your Trusted Rhode Island Real Estate Expert

Welcome to the beautiful shores of Narragansett, RI!  I’m thrilled to be your go-to real estate professional in this charming coastal community all the way to the beautiful woods of Cumberland.


With a passion for helping clients find their dream homes and a deep knowledge of the local market, I bring a personalized approach to every transaction. Whether you’re a first-time homebuyer, a seasoned investor, or looking to sell your property, my goal is to make the process as smooth and rewarding as possible.

Why Choose Me?

  • Local Expertise: As a long time resident of Narragansett, I have an intimate understanding of the area’s neighborhoods, schools, and unique properties. My local knowledge allows me to provide valuable insights and identify the best opportunities for you. I stay well informed by belonging to NAR, Kent, Newport and Washington County Realtors Associations.

  • Client-Centric Approach: I prioritize your needs and work tirelessly to ensure your goals are met. From the initial consultation to closing day, I’m dedicated to offering exceptional service and support every step of the way.

  • Proven Results: My track record of successful transactions and satisfied clients speaks for itself. I use my expertise and negotiation skills to achieve the best outcomes, whether you’re buying or selling.

  • Community Involvement: I believe in giving back to the community that has given me so much. I’m actively involved in local events and organizations, such as the Narragansett Lions Club and I’m always excited to share what makes RI such a wonderful place to live.

                                        Let’s work together to unlock the doors to your dream home!

Image

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.

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.
Image

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.
Image

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.
Image

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.
Image

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
Image

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.
Image

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.
Image

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.
Image
★
Exceptional reviews that reflect a pattern of excellence with my past clients.

Raving Reviews

"It has long been a dream of ours to have a home in South Kingstown. We first met CJ when she was representing the seller at the very first house we looked at. Although that particular house didn’t work out, CJ quickly became an invaluable ally. It felt as though we’d known her for years, like a longtime friend. She understood exactly what we were looking for, and it didn’t take long for her to find us the perfect match.

Coming from out of state, we didn’t have any local contacts, but CJ was instrumental in connecting us with all the necessary consultants. Each one was professional, and there was a clear sense of mutual respect among them all. The closing process went smoothly, and now that we’ve had a few months to settle in, we couldn’t be more grateful.

Thank you, CJ, and the entire KEY Team, for making our dream a reality!

— Gary & Pam K.
"My agent, CJ Tudino, went above and beyond in helping me find my first home. She was always available to answer my questions with immediate responses. From advising on properties and conducting research to scheduling appointments, she took care of me like family. Now I am a proud homeowner. Thank you, CJ and KEY Real Estate."— Vincent
"We’ve lived in our home, which CJ helped us purchase, for nearly three years now. In that time, we’ve experienced a variety of coastal weather, which has become increasingly unpredictable and extreme. During one particularly stormy night, with winds reaching up to 50 mph and heavy rain pouring down, the storm was fierce. As the wind battered our windows, I couldn’t help but recall the thorough walkthrough CJ conducted with us when we were considering this home.

I remember the special attention we paid to the construction details, and as a first-time homebuyer, I’m so grateful for CJ’s guidance. Last week, amidst the storm, it was clear that our home was built to withstand such conditions. The house held up incredibly well—the winds didn’t penetrate, the basement stayed completely dry, and the fireplace kept us warm and cozy. In the midst of the storm, our home truly felt like the best place in the world.

Thank you, CJ, for helping us find such a resilient and comfortable home! -M&M



We feel like we just accomplished the impossible — safely and securely buying a first home that exceeds all of our needs and fell tens of thousands of dollars under budget. And we owe it to our realtor extraordinaire, CJ Tudino! The prospect of buying a first home is an accomplishment under the best circumstances, but considering the macro-conditions we faced — a historically low inventory of single-family homes exacerbated by pandemic-fueled demand and a global supply chain disruption; a war breaking out overseas; rising interest rates and inflation, a slowing economy and so on — We almost gave up, but CJ’s sunny optimism kept our hopes alive. It was the tireless work she put in to sift through hundreds of listings and traveling to open houses up-and-down and across the state that eventually led her to finding our perfect home. But it was only at that moment that her work truly began. She sprung into action to craft a balanced, rational offer that eventually won the day! An offer that mitigated risk while beating the competition. Our successful bid was due in part to her ability to leverage the knowledge and wisdom of the deep bench of seasoned agents and extended network of professionals that make up Key Real Estate. In moments of uncertainty, we always had a team of domain experts to rely upon. If you’re a first-time home buyer and looking for a partner to find your ideal home, look no further than CJ Tudino of Key Real Estate. You won’t be disappointed. She’s able to combine decades of local knowledge and insight about the Rhode Island real estate market with the ability to negotiate for the best terms on your behalf and close the deal. And she’s able to do it with a warmth and empathy that makes the process as painless as it could be. - Michael Yap

* Review has been shortened using AI, click the review to read the full review.

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.
Image

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.
Image

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.
Image

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.
Image

104 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.

Counseling Session Activities

  • Prepare the buyer for executing a buyer representation agreement
  • Explain agency relationships to the buyer and get state required legal consentto 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 optionsare 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-offenderregistry and crime statistics for the neighborhood
  • Discuss available resources that the buyer can check to learn more aboutprospective neighborhoods
Image
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 theybecome available in their local MLS broker marketplaces
  • Educate the buyer on the immediacy of new listings appearing in their localMLS broker marketplaces and the lag time for them to appear on somewebsites
  • Collaborate with the buyer on properties they may have learned about throughtheir 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 MLSbroker marketplaces
  • Contact homeowners in focus areas to see if they are considering selling
  • Set up an automated email alert system through their local MLS brokermarketplaces 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
  • 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 remindthem 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 thebuyer 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 instructionsbefore 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 cleaningservice or landscaping before moving day
  • Review documents with the closing agent (attorney)
  • Support the buyer in any final closing activities
Image
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.

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.
Image
www.teamkeyhomes.com/team-3/cj-tudino
Image
Image

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.