Get financially prepared before you start your property search.
Organizing your financial documents, understanding your credit, and keeping your finances stable can help you enter the home-buying process better prepared.
Preparing to Buy a Home in Boerne & the Texas Hill Country
Getting your finances and paperwork organized before beginning your property search can help make the buying process more efficient and easier to navigate.
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
- Investments
- 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
Check Your Credit Rating
Your credit score will have a huge impact on what type of property you can buy, and at what price. It is first recommended to check your credit rating with an experienced lending institution so that we can determine what you can afford. The lender will research your credit ratings from the three credit reporting agencies Equifax, Experian and Trans Union. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction, and 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.
Let’s find the Hill Country property that fits how you want to live.
From luxury homes and relocation to ranch land and acreage, The Gahm Real Estate Team helps buyers navigate Boerne, Fair Oaks Ranch, and the surrounding Texas Hill Country.
The Gahm Real Estate Team
Get financially prepared before you start your property search.
Organizing your financial documents, understanding your credit, and keeping your finances stable can help you enter the home-buying process better prepared.
Deciding to Buy
Preparing to Buy
Choose a Real Estate Agent
Time to go Shopping
Escrow, Inspections and Appraisals
Moving In
Before you start shopping for your property, it is a good idea to make some preparations.
Build Your Green File
- Financial statements
- Bank accounts
- Investments
- 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.
Check Your Credit Rating
Your credit score will have a huge impact on what type of property you can buy, and at what price. It is first recommended to check your credit rating with an experienced lending institution so that we can determine what you can afford. The lender will research your credit ratings from the three credit reporting agencies Equifax, Experian and Trans Union. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction, and 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.
