Deciding To Buy

Purchasing a property calls for important long-term financial decisions. Whether this is your first purchase or you are an experienced buyer, careful & strategic decisions are crucial.

Prepare To Sell Step


Move right
Accepting-Offer Step

Shop For A

Move right
Decide To Sell Step

Know The

Move right
Get Pre Approved

Get Pre

Move right
Application Icon


Move right
Secure Funding


Start A Green File

A Green File should contain all of your important financial documents. Regardless of the loan type, lenders will need information about you. Make copies of financial statements; bank accounts, investments, credit cards, auto loans, recent pay stubs, and two years’ tax returns.

Check Your Credit Rating

Credit scores range between 400 and 800. 620 + is considered “good”. 680 + is considered “premium” and may possibly help get you a lower interest rate.

Below you will find the contact information for the 3 major credit reporting agencies to help you determine your credit rating. Ask your lender how to improve your credit score if you need to. Going forward, treat your credit like gold.

Lake Conway Community

Savings & Debt

If you are buying real estate, try to accumulate funds towards your down payment, closing costs (appraisal, miscellaneous fees, escrow, title insurance, etc.), and expenses such as inspections. Furthermore, try to pay down existing revolving and high-interest rate debt like credit cards.

Tow The Line

Now is not a good time to change careers, move your money around, or buy big-ticket items. Lenders like stability. So if you are considering any major changes, it pays to meet with a lender and ask them how to proceed before you make any changes! If you are tempted to buy a big-ticket item, consider the following:

A $500 a month debt payment (like a credit card or auto loan) could lower the amount of home you can afford by about $83,000!*

* Based on a 30-year mortgage at 6% interest.

Mortgage Calculator
Powered by Mortgage Rate

Selling Your Home?

Contact our team of respected and trusted real estate professionals. Our guarantee programs eliminate the risk and stress of selling your home.