Before you spend any time shopping for a home with an agent, you have to be prepared. This means you need to get all your important files together to prepare for securing financing for your home. 

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Build Your $$ File.

 

The typical "Money" file should contain:

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• Financial statements

• Bank accounts

• Investments

• Credit cards

• Auto loans

• Recent pay stubs

• Tax returns for two years

• Copies of leases for investment properties

• 401K statements, life insurance, stocks, bonds, and mutual account information.

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Check Your Credit.

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Your credit score will have a huge impact on what type of property you can buy, and at what price. It is first recommended to check your credit rating with an experienced lending institution so that we can determine what you can afford. The lender will research your credit ratings from the three credit reporting agencies Equifax, Experian, and Trans Union. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction, and commercial and investment real estate fields.

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Be Careful With Your Finances.

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Now is not a good time to make sudden career changes or large purchases. You want to approach your property purchase from a position of financial stability.