Preparing to Buy
Purchasing a property is one of the biggest decisions you will make. Before you start your property search, it's a good idea to get prepared.
Get your documents together.
Create a folder that contains all your important documents that you will need to secure financing for your future home.
An example of what your file should contain are:
Current Pay stubs (usually last 30 days)
Current Photo ID
Bank Account Statements
Tax returns for the last 2 years
401K statements, life insurance, bonds, stocks and mutual account information.
Know your credit score
Your credit score will have a HUGE impact on what type of loan your can get. The lender will research your credit ratings from 3 credit reporting agencies Equifax, Experian and Transunion. I will be happy to recommend experienced, knowledgable lenders in any real estate fields.
Be careful with your finances. It is not a good idea to make sudden career changes or large purchases. You want to approach your property purchase from a position of stability.
Once you have your pre approval its time to go house hunting!
Choosing a REALTOR®
Buying property requires making many important financial decisions. It requires understanding of complex issues and completing a lot of paperwork. It helps to have a professional and an expert in your corner when undertaking such a large purchase.
Grupe Real Estate is San Joaquin County`s Number 1 Real Estate Company. Grupe has been in business since 1973 and with such a dominating presence in the community, I can guide you through this process and provide you with inside knowledge.
Here are some factors to consider when choosing your REALTOR®:
Look for an agent who is actually listening to your needs.
Interview a few, it's important that you both can work together.
Does this agent returns calls, text messages or emails?
Ask for references.
Pick someone you are comfortable with.
Lets go shopping!
Now that the preparations are out of the way, lets find a property thats right for you.
TAKE A DRIVE
Get to know neighborhoods, subdivisions and other areas that interest you. Drive around and get a feel for what would it be like to own a property in this area.
Drive areas of interest at different times of the day to see if there are any factors that will affect your enjoyment.
NARROW YOUR SEARCH
Select a few properties that interest you the most and contact me to make appointments to view them.
TIME TO BUY
Once you have picked out the property you want to purchase, I am here to help you make an offer that the seller will accept. A good REALTOR® will investigate the potential costs and expenses associated with the new property. My goal is to help you draft your offer in a way that gives you the advantage over another one.
San Joaquin COUNTY?
I can help with that too!
I like my clients to feel important and for them to come to me with any question during their real estate process.
I have been able to build a network of Relator's that I can reach out to, that can assist you.
Whether your searching in Southern California or New York City let me help you find the right match.
Ask a question.
Still have questions about the buying process, ask it here!