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It always pays to be organized, especially when you're about to buy a home. There are so many moving parts that it helps to do some work on the front end so you can move as quickly as possible and don't miss out on any opportunities. To get you started, here are a few things you should be ready to produce when you talk to your lender.
Financial Statements - Be prepared to produce bank statements and balances of any other liquid funds you'll be able to tap into for a down payment. Your lender will be able to tell you how far back they need to go but 2-4 months should be enough data for most conventional loans.
Pay Stubs/Payroll Receipts - A couple months of recent pay stubs help to verify employment and take-home income. If you're self-employed, it can be a little more complicated but a good lender can walk you through your options.
Tax Returns or W-2s - Tax returns and W-2s verify income history. One or the other is typically used but you may be asked to supply both so be prepared.
Planning ahead will take some stress out of the home-buying experience. You're Realtor can help you with the rest!
Dawn Wild, REALTOR®, has always had a passion for real estate and is thrilled to be able to share it with others. Her extensive background in marketing and advertising has built a solid foundation to help her clients achieve maximum results. Looking to buy or sell a home? Contact her at 720-299-4808 or Dawn@ExitRealtyCherryCreek.com.
Dawn Wild has always had a passion for real estate and is thrilled to be able to share it with others looking to buy or sell a home in Colorado. Originally from Vancouver, Canada, she relocated to Col....
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