Selling a Property
First phase: educational ask yourself these questions: really, would like to have their own House? The answer is very important since buying home requires time, money and lots of energy. The second question is: can cope with total expenditures that requires buying a House? hese are: down payment, closing costs, costs of organizing themselves in the new House, monthly budget of payments for the mortgage, insurance and above all taxes! To help you in these responses, you must analyze: what are your current debts? Your income and your expenses how you have your credit history. And if your job is stable. Is also very important that you properly capacites for information, whether in housing education seminars, or by other means, because it is important to know that: an informed buyer is a happy owner! The second stage is: the search of the mortgage initially, apply for a loan or mortgage, commercial banks, financial companies Associations of savings, etc. We must carefully plan the first interview with the loan officer, draw up a questionnaire with all the doubts, because once you’ve made the decision, will be harder to reverse it and have on hand the following documents, which are basic and will help to expedite the loan: form W-2 for the past 2 years. Proof of payment of the last month, or proof of income (if you work by your account), your bank statement of the last 2 months, report of debts, credit cards, etc. You will need to demonstrate that you can face with correction a credit, so, if your really want to buy your House, you will need to have a correct path, i.e., it will be important that you prove you cancelled your accounts on time: rent, water, light, gas, phone, cell phone, auto, insurance, card and any other debts that your contract. Achieving a good credit history to get the loan is essential, since lenders want to have clear information and detailed people to which you will assign the loan.