Before you start shopping for your property, it is a good idea to make some preparations.
COMPILE YOUR FINANCIAL DOCUMENTS.
In order to secure financing, you will need to have the following financial documents readily available:
- Financial statements from bank accounts and 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.
CHECK YOUR CREDIT RATING.
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. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction, and commercial and investment real estate fields.
BE CAREFUL WITH YOUR FINANCES.
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.
Buying a property requires making many important financial decisions, understanding complex issues and completing a lot of paperwork. It helps to have an expert in your corner when undertaking such a large purchase. We are here to guide you through the home buying process, and also provide you with access to property listings before they hit the general market.