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Before you start shopping for your property, it is a good idea to make some preparations.
Build Your Green File.
A green file contains all your important financial documents. You will need it to secure financing for your property. The typical green file should contain:
- Financial statements
- Bank accounts
- Credit cards
- Auto loans
- Recent pay stubs
- Tax returns for two years
- Copies of leases for investment properties
- 401K statements, life insurance, stocks, bonds, and mutual account information.
Meet with one of API’s loan specialists.
Our vast variety of loan programs are designed to allow us to serve everyone from the first-time home buyer to the experienced investor. Your credit score will have a huge impact on what type of financing you will qualify for and ultimately affect the property you can buy, and at what price. We will run your credit score, determine your debt to income ratio and let you know what type of loan program and loan amount you qualify for and issue a pre-qualification letter. We are experienced and knowledgeable in the residential, construction, commercial and investment real estate fields.
Be Careful With Your Finances.
Now is not a good time to make sudden career changes or large purchases. You want to approach your property purchase from a position of financial stability.