BUYERS
Buying your new home is likely to be the largest financial decision you will ever make. Your house is not just your home. Real estate is an investment in your future. When buying a home you will probably have many questions. FIRST TIME HOME BUYERS Meet with one of our mortgage brokers or one of your own and find out how much you can afford to pay for a home. PRE-APPROVAL Knowing how much you can afford is an important step in the buying process. Sellers will be more receptive to buyers who have been pre-approved. And in order to make an offer on most homes it is requuired. With pre-approval, the buyer actually applies for a mortgage and receives a commitment in writing from the lender. DOCUMENTS YOU SHOULD HAVE • Financial statements • Bank accounts • Investments • Credit cards • Auto loans • Recent pay stubs and last 2 years tax returns • Copies of leases for investment properties • 401K statements, live insurance, stocks, bonds, and mutual account information HAVE YOUR LENDER CHECK YOUR CREDIT SCORE Your credit score will have a huge impact on what type of propeprty you can by, and at what price. It is first recommended to check your credit rating with an experienced lending institution so that you can determine what you can afford. The lender will research your credit ratings form the three credit reporting agencies, Equifax, Experian and Trans Union. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction and commercial and investment real estate fields.
Berkshire Hathaway Home Services California Realty - 1770 W. Walnut Ave. Visalia, CA 93277
©2019 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc. ® Equal Housing Opportunity.
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Rocio Barajas
Tony Calvillo
DRE#01974970 • Realtor
DRE#01972989 • Realtor
Berkshire Hathaway Home Services California Realty -  1770 W. Walnut Ave. Visalia, CA 93277
©2019 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc. ® Equal Housing Opportunity.
BUYERS
Buying your new home is likely to be the largest financial decision you will ever make. Your house is not just your home. Real estate is an investment in your future. When buying a home you will probably have many questions. FIRST TIME HOME BUYERS Meet with one of our mortgage brokers or one of your own and find out how much you can afford to pay for a home. PRE-APPROVAL Knowing how much you can afford is an important step in the buying process. Sellers will be more receptive to buyers who have been pre-approved. And in order to make an offer on most homes it is requuired. With pre-approval, the buyer actually applies for a mortgage and receives a commitment in writing from the lender. DOCUMENTS YOU SHOULD HAVE • Financial statements • Bank accounts • Investments • Credit cards • Auto loans • Recent pay stubs and last 2 years tax returns • Copies of leases for investment properties • 401K statements, live insurance, stocks, bonds, and mutual account information HAVE YOUR LENDER CHECK YOUR CREDIT SCORE Your credit score will have a huge impact on what type of propeprty you can by, and at what price. It is first recommended to check your credit rating with an experienced lending institution so that you can determine what you can afford. The lender will research your credit ratings form the three credit reporting agencies, Equifax, Experian and Trans Union. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction and commercial and investment real estate fields.