Preparing to Buy a House: Essential Steps for a Successful Homeownership Journey

Now that you've decided you want to buy a home, what do you need to get started? First, take some time to prepare with these tips:

1. Build Your Green File - this should contain your important financial documents such as bank accounts, investments, credit cards, and tax returns. Having these handy will help you secure financing for your property.

• Financial statements
• Bank accounts
• Investments
• Credit cards
• Auto loan information
• Recent pay stubs
• Tax returns for two years
• Copies of leases for investment properties
• 401K statements, life insurance, stocks, bonds, and mutual account information

2. Check Your Credit Rating - your credit score plays a big role in what type of property you can afford and at what price. Consult with an experienced lending institution to determine what you can afford and to learn more about your credit ratings from the three credit reporting agencies.

3. Be Careful With Your Finances - avoid making sudden career changes or large purchases that could affect your financial stability during the purchasing process.

We're here to recommend knowledgeable lenders in the residential, construction, commercial, and investment real estate fields. Let's get you ready to make your property dreams a reality and talk about how to pick the right realtor for you.