Realty ONE Group Results Match Me Local™
By · Realty ONE Group Results
By Teresa Overcash · Realty ONE Group Results  ·  336-262-3111
Match Me Local™ by Realty ONE Group Results

Find the life first.
The house follows.

Most buyers start with bedrooms and bathrooms. Smart buyers start with how they actually want to live. Take the Lifestyle Match Assessment, see the Triad neighborhoods that genuinely fit you, and step into The Buyer Success System™ — a free program where you finish every lesson with your own numbers and your own decisions, not a folder of notes.

10
Questions, 3 minutes
6
Lifestyle dimensions scored
$0
Free — no strings
How it works

Three steps from "somewhere in the Triad" to "this street, on purpose."

First

Match your lifestyle

Ten questions about your real life — Saturday mornings, commutes, noise, space, people. Our engine scores you across six lifestyle dimensions.

Then

Meet your neighborhoods

We map your profile against 44 neighborhoods across the Triad, Wilkes County, and the NC High Country and show you your top matches with a fit score — and why.

Finally

Become a strategic buyer

You're routed into The Buyer Success System™ at the module that fits where you are. Interactive worksheets build your budget, your criteria, and your plan as you scroll.

Lifestyle Match Assessment
Question 1 of 10

One last step

Your Lifestyle Match Report is ready.

Tell us where to send it, and your Buyer Success System™ portal will be personalized from here forward.

Please fill in your name, a valid email, and both dropdowns.

We never sell your information. Your answers build your personal buyer profile so your agent can actually be useful to you.

Your Lifestyle Match Report
Your profile

0%

The ring shows how strongly your answers converged on one lifestyle profile. The bars show your six lifestyle dimensions — they drive your neighborhood matches below.

Top neighborhood matches

Where your life already fits.

Your recommended starting point

The Buyer Success System™

Your program, in order.

Every module is an interactive lesson — you fill in worksheets as you scroll, and you finish with your numbers and your decisions. Your agent sees your progress in real time, so every conversation starts where you actually are.

Work them in order for the full effect — but every module is open. Your recommended next step is marked in gold.

Module 1 · Financial Foundation

Know your number before the market tells you one.

Scroll through this lesson and fill in each worksheet as you go. Your numbers build in the ledger beside you. By the end, you'll have a comfortable monthly payment, a realistic price range, and a written next step — decided by you, not by a listing photo.

Step 1 — Your real monthly income

Not your salary on paper — what actually lands. Use your combined gross monthly household income (before taxes). If income varies, use a conservative month.

Two earners? Add both. Commission or hourly? Average your last 12 months, then round down.

Step 2 — What already leaves every month

Lenders call this your debt load. Add up minimum monthly payments only: car loans, student loans, credit card minimums, personal loans, child support. Do not include rent, utilities, groceries, or subscriptions.

Guessing? Pull up your bank app and add the automatic payments. Two minutes now saves a surprise later.
Your current debt-to-income ratio
Lender ceiling for all debts + housing (43% of income)

Step 3 — Your comfort line

Here's the strategic part: what a lender will approve and what lets you sleep are two different numbers. Slide to the share of your income you're genuinely comfortable putting toward housing. Most strategic buyers land between 25% and 30%.

Lower = more margin for travel, savings, kids, life. Higher = more house. There's no wrong answer — only your answer.
Your comfortable monthly payment
Maximum a lender would likely allow

Step 4 — Cash on hand

Down payment myths stop more buyers than prices do. You do not need 20% down. Enter what you have saved for this move, and we'll show what it opens up.

Include gift funds if family is helping — lenders allow it with a simple letter.
Estimated price range at your comfortable payment
Cash needed at 3% down (+ ~3% closing costs)
Cash needed at 5% down (+ ~3% closing costs)

Step 5 — Write it down. That makes it a decision.

My Financial Foundation

Read this out loud. Seriously — buyers who say their number own their number.

Fill in the worksheet above and your statement will build itself here.

Turn your number into a pre-approval — free.

Our preferred lending partner, Glory Mortgage, will qualify you at no cost and no obligation — and for every closed loan, Glory donates to charity. Ask for Audia or Angie and tell them your Buyer Success System™ numbers. They'll take it from there.

336.701.1186  ·  winstonsalem@glorymortgage.com

Estimates only, for planning and education. Payment and price figures assume a 30-year fixed loan at an illustrative rate with taxes and insurance approximated; they are not a loan offer, rate quote, or financial advice. Your lender will provide exact figures.

Module 2 · Your Buyer Criteria

If it is not written down, the market decides for you.

Buyers routinely list fifteen things they must have — then buy a home with six of them. This module is honest prioritization: what actually matters, what would be nice, and what ends the conversation. Your agent gets a brief they can search against, not a wish cloud.

Step 1 — The frame

These set the search filter. Everything after this is ranking.

Step 2 — Tap what matters (be honest)

Tap each card to cycle it: Skip → Nice-to-Have → MUST-HAVE. Boot camp with a hug: every must-have you add removes homes from your list. Strategic buyers carry three to five, not twelve. If you are about to tap a tenth one, that is the market laughing.

Must-haves: 0 · Nice-to-haves: 0

Step 3 — Deal-breakers

Different question entirely: what makes you walk away no matter how pretty the kitchen is? Tap to toggle.

Step 4 — The reality check

My Buyer Criteria Brief

Make your picks above and your brief will write itself here — ready to hand to your agent.

Module 3 · The Search, Run Strategically

Fall in love with the pattern, not the staging.

The number one reason buyers overpay: they toured one home and fell in love. The number one reason buyers regret the purchase: they never saw it at three different times of day. This module fixes both — before either can cost you.

Step 1 — The Three-Home Test

Commit now, while you are calm: you will tour at least three homes before writing any offer — no matter how perfect the first one feels. The first home sets your baseline. The third one reveals your pattern.

  • I commit to the Three-Home Test. Three tours minimum before any offer.
  • I commit to the 24-hour cool-down. One night of sleep between tour and offer, unless a genuine multiple-offer clock forces the decision — and my agent confirms it is genuine.

Step 2 — Tour discipline

Bring: phone charger, tape measure, and this scorecard. Notice: water heater age, electrical panel brand, crawlspace smell, floor slope, window condition. Photograph: the mechanicals and the problem spots — the pretty rooms are already on the listing. And run the neighbor test: would you still love this home if the neighbor is loud, or watching, or gone?

Step 3 — Score every home the same way (1–10)

Nickname each home so it stays real — The Blue Porch, The One On Maple. Ten factors, same scale, every time. The scorecard does not care about the throw pillows.

My Touring Playbook

Take the two pledges and score at least one home — your playbook builds here. Screenshot it for tour day.

Module 4 · The Offer Playbook

Offers are won on terms, not just numbers.

In North Carolina, everything happens inside the due diligence period under NCREC Form 2-T — there are no contingencies to hide behind. The calendar is the contract. This module builds your complete offer strategy before your agent ever writes one.

Multiple-offer situations in the Triad are not won by the highest number. They are won by the cleanest terms — a due-diligence fee that signals commitment, appraisal-gap language a nervous seller can trust, and a closing date that matches the seller move.— Teresa Overcash, Broker-Owner

Step 1 — Read the market on this house

Your posture
Strategic opening range
Est. monthly payment at top of range

Step 2 — The Due Diligence Fee (your commitment signal)

The DD fee goes straight to the seller and is non-refundable the moment they sign — it buys your inspection window and it tells the seller how serious you are. It credits toward your purchase at closing.

0.4 to 0.8 percent of price is typical for the Triad. In a confirmed multiple-offer situation, the top of that band — or above it — is your commitment signal.
Held in trust; credited back at closing. Refundable if you terminate before the due diligence deadline.
Due Diligence Fee (non-refundable)
Earnest Money (in trust)

Step 3 — Appraisal gap: do you need the language?

Answer above and read the market in Step 1 — your gap guidance appears here.

Step 4 — Closing date psychology + your walls

Sellers say yes to offers that solve their move. Find out — through your agent — what the seller actually needs, then match it.

Escalation clauses, the honest version: they can win a true bidding war, and they can also hand the seller your maximum on a silver platter. They work when competition is confirmed and capped by your ceiling. They backfire when the listing agent shops your top number. When in doubt, skip the clause and lead with clean terms.

My Offer Strategy

Enter a list price above and your complete offer strategy builds here — review it with your agent before the offer is written.

Educational strategy framing only — not a recommendation of what to offer on any specific property, and not legal advice. Your agent runs the comps and advises the actual number under NCREC Form 2-T; your lender provides exact payment figures.

Module 5 · Under Contract Without the Panic

The order matters as much as the terms.

Under contract is where buyers feel most lost — everything is deadlines, and everyone assumes you know the sequence. Enter your dates and this builds your entire due-diligence-to-closing timeline, in the right order, day by day.

Most NC real estate mistakes are not lack of information. They are the wrong sequence — waiving due diligence before appraisal, releasing an earnest money check before termination expires, agreeing to a repair credit without the disclosure re-issued. The order matters as much as the terms.— Teresa Overcash, Broker-Owner

Step 1 — Your dates

  • The home was built before 1978. Adds a lead-based paint assessment to your sequence — and start insurance quotes early: older wiring such as knob-and-tube can price coverage 30 to 60 percent higher.

Step 2 — Your timeline (inspections in the right sequence)

0 of 0 complete

    Step 3 — If the appraisal comes in low

    Three doors, in order of preference: renegotiate the price with the appraisal in hand (sellers respond to paper), bring the gap in cash only if the home and your Module 1 numbers can carry it, or terminate before your due diligence deadline and lose only the DD fee. Which door you can use depends on one thing: whether your deadline has passed. That is your safety net — guard it.

    The one rule of due diligence

    Your due diligence deadline is decision day — the last moment you can walk away for any reason and lose only the DD fee. Every inspection, every repair conversation, every doubt gets resolved before that date. Strategic buyers never let it sneak up on them. Now it cannot.

    Educational sequencing only — repair-response obligations and contract mechanics under NCREC Form 2-T vary by what your specific contract says. Your agent and closing attorney drive the actual deadlines.

    Module 6 · Closing Day & Beyond

    Cross the finish line. Then protect the win.

    Most agents disappear at closing. This program does not — because the first year is when equity is either built or lost. Closing day, your first 90 days, and your Year 1 playbook, all in one place.

    Step 1 — Countdown

    Days until you hold the keys

    ⚠️ Read this twice: wire fraud targets buyers exactly like you.

    Wire fraud in NC real estate closings has surged — up roughly 400 percent since 2023. Days before closing, criminals send emails that look like the closing attorney office with updated wire instructions. Buyers have lost entire life savings this way, and recovery is nearly impossible. The rule has no exceptions: before wiring anything, call the closing attorney office at a phone number you look up yourself — never a number from the email — and verbally confirm the instructions. Sixty seconds on the phone protects everything you have saved.

    Step 2 — Closing week

      Step 3 — Days 1 to 90, and Year 1

      Nobody teaches this part. Do these and you are ahead of ninety percent of homeowners.

        Step 4 — Build equity on purpose

        Extra principal is the quiet wealth builder. Try a number:

        Estimated payoff time saved
        Estimated interest saved

        Protect the equity you just created

        Start an equity file today: every improvement receipt, every major repair record, your closing disclosure. Check in with your agent once a year on your home value — not to sell, but to know. Come tax season, have your file ready: mortgage interest, property taxes, and — if the move was job-related — ask your tax professional what applies. Your home is now your largest asset. Manage it like one.

        Equity math assumes a 30-year fixed loan at an illustrative rate and is an estimate only — not financial or tax advice. Property tax appeal windows vary by county and reassessment cycle [TK — Teresa to confirm county-specific guidance before publishing].

        Module complete.

        Your Financial Foundation has been saved to your buyer profile, and your agent can now meet you exactly where you are. Here's what you decided: