The Start Line

Organize, Organize, Organize!

I can’t stress enough how important it is to stay organized throughout your entire home purchase. Create a file with all of your important financial documents. Regardless of the loan type, lenders will need information about you. Make copies of financial statements such as bank accounts, investments, credit cards, auto loans, recent pay stubs and two years’ tax returns, if married, of both husband and wife. If purchasing with a co-signer(s), all buyers applying for a home loan should have separate financial documentation in seperate folders to avoid confusion and for ease during the process.

Check Your Credit Rating

Credit scores range between 400 and 800. 620 + is considered “good”. 680 + is considered “premium” and may possibly help get you a lower interest rate. Going forward, treat your credit like your most valued possession. Once you have determined to use a specific lender, he/she will run your credit in the process of pre-approving you for a home loan. Below, you will find the contact information for the 3 major credit reporting agencies to help you determine your credit rating. Ask your lender how to improve your credit score if you need to. Lenders will help guide you with your finances in the beginning stages of your home search process and will follow through until you’re loan is officially closed.

Equifax (800) 685-1111
Experian (800) 392-1122
Trans Union (800) 888-4213


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Marité Matassa

Pinnacle Estate Properties, Inc.
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CA DRE# 01867409

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Marite Matassa | CA DRE# 01867409 | 818-605-1220 | Contact Me
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