Dawn & Troy Bogert
WORKING WITH A LENDER
KNOWTHE FACTS BEFORE YOU DECIDE
Initial Information Required by Lender:
1. Tax Returns (if you own rental property or are self-employed)
2. Pay Stubs (covering 30-day period)
3. Checking and Savings Accounts Statements (past 3 months)
4. W-2 Forms (previous two years) .
Be observant when considering a new neighborhood. What pace of life characterizes the neighborhood? Is this where you want your kids growing up and playing? What about the noise level? Now is your chance to be a detective, figuring out everything you can about the neighborhood in which you may be living. As you gather notes, approach the home from different directions, and at different times of the day. This will help expose you to what goes on around the neighborhood, which you would experience daily if you were living there. Check distances to: Work, Schools, Parks, Shopping facilities, Friends or relatives, Churches, Community Centers, Highways or freeways, Busy streets or intersections.
If you are like the majority of people buying a home, you will need the help of a lender. Your lender will assess the financial viability of your purchase, and provide the financing needed. The professionals at First Team Real Estate require their clients to have their financing pre-approved prior to viewing properties or preparing offers to purchase. You don't want to view or enter a contract on a home that would result in monthly payment and/or an investment that is not within your comfort range. We work with several reputable lender’s and would be happy to give you a referral.
FINDING YOUR DREAM HOME
NEIGHBORHOOD SHOPPING....VERY IMPORTANT!