Curry Realtors -

It pays to get organized. Put your finances in order, get pre-approved for a loan, and you'll know what you can afford to buy.

Start a Home-Buying File

If you keep your records in one place, you can get organized in a few hours. Start a file for papers, sales brochures and other information you'll accumulate, including:

• Credit data
  Check your credit and correct any credit problems you may have before the lender gets your credit report.
• Loan documents

Gather financial information the lender will request.

• Real estate listings
  Search for home listings online, in local catalogs, newspapers, etc.
• Insurance information
  Choose insurance wisely and cut your insurance costs.
• Get Pre-Approved
  Getting pre-approved gives you an estimate of how much you can borrow and puts you in a better position to buy. To get pre-approved for a loan, you need to know your:
  • Cash available for a down payment
  • Cash available for closing costs
  • Current income
  • Job status
  • Estimated assets
  • Estimated debts