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    What Buyers Can Be Doing At Home | The Christy Buck Team

    While you are at home, there are plenty of things you can be doing to prepare for buying your next home! We collected a list of things you can work on so that when the time comes to put an offer in on your dream home, it’s an easy & seamless process!!

    • There is a ton of documentation necessary to qualify for a mortgage and to be approved.  Here are some things that can be done in preparation:
      • Assemble all documents needed to obtain pre-approval
      • Photo ID
      • Two months current pay check stubs
      • Last two years’ W2s
      • Checking and savings statements for last three months
      • Copies of statements for 401k, savings, IRAs, CDs, etc.
      • Employment history for last two years with employer info & adresses
      • Proof bonuses or commission income
      • Residency history for last two years with addresses, contacts (if you had landlord or management)
      • Assets for down payment, closing costs,etc; must provide a paper trail
      • If  you are self-employed, last 2 years tax returns, current profit & loss statement and balance sheet; copy of partnership/corporate tax returns for last two years if owning more than 25% of company
      • Other things may be required such as divorce decree or previous bankruptcy
    • Get pre-approved and figure out how much you can borrow
      • Determining the amount you can borrow – decreases as interest rates rise, right now interest rates are still low so give us a call if you’re ready to look at what you could afford
      • Finding the best loan  product for you/your family
      • Finding any issues that could come up later early so you can fix them without delay
      • Being able close faster due to having all information already given to mortgage company – verification has been made
    • Narrow down your home search with the help of your Realtor (The Christy Buck Team)
      • After you find out what you’re able to purchase, we can really narrow down the homes you’re interested in
      • Find homes based off of needs- location, price, amentities, etc
      • Virtual Tours- if you are not comfortable looking at homes, we can set up virtual tours you can view from the comfort of your own home!!

    Think you may be ready sometime soon or even later in the year to buy your dream home? Give us a call!! We would love to help you and set you up for an easy & seamless process!! 832-264-8934 or christy@christybuckteam.com

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