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Keller Williams Montana Realty
1174 Stoneridge Drive
Bozeman, MT 59718

Phone:  406-599-5900
Fax: 1-866-383-4814
Email: jodi@calljodi.com

Buyers

Preparation

Before you start shopping for your dream home, it's a good idea to make some preparations

2.1 Build your 'Green File'. A green file contains all your important financial documents. You'll need it to secure financing for your home. The typical green file should contain:

  • Financial statements
  • Bank accounts
  • Investments
  • Credit card
  • Auto loans
  • Recent pay stubs
  • Tax returns for two years

2.2 Check your credit rating. Your credit score will have a huge impact on what type of home you can buy, and at what price. Anything above 620 is considered good. A premium interest rate may mean a lower interest rate on your mortgage. Check your credit rating with a credit reporting agency such as Equifax , Experian or Trans Union.

2.3 Be Careful With Your Finances. Now is not a good time to make sudden career changes or large purchases. You want to approach home buying from a position of financial stability.