Get a Full Home-Buyer Guide as part of your Free Real Estate Consultation in Oxnard CA. Here is a summary of one of the aspects of financing a home that we will review during our Free Consultation. Gather as many documents as you can for all parties in the transaction and if you have some documents missing that's ok. We can get them later.



Home-buying guide in Oxnard CA


Your credit history is one of the principal measures used by a lender to determine your interest rate. The better your credit, the better lending terms your bank or lending institution will be able to offer you. A higher interest rate translates into a higher monthly mortgage payment, and so your credit score will directly affect how much money you can borrow and at which homes you should be looking. You should be aware of what information is on your credit report by obtaining and reviewing copies of your credit report from the three main credit report agencies. 

These documents, in addition to your credit report, will help establish with the lender your debt to income ratio and your ability as a borrower to repay debts:

Social Security Number

W2 Forms from the previous two years

Pay Stubs (most recent months)

Employment History Summary

Bank Statements (2 months)

Creditor Information. This includes debts like:

• Student Loans

• Auto Loans

• Credit Cards

• Child Support Payments

Improving any of these areas will help you qualify for better lending terms, so keep that in mind. Call or text me directlty at (805) 444-6366 for your next Free Consultation to buy or sell and get a free Guide.

Oxnard CA Homes For Sale- David Tovar- Broker Associate, Realtor at EXIT Castillo Realty. I specialize in helping sellers and buyers with their real estate needs in Ventura County, California, including Oxnard, Port Hueneme, Ventura, Camarillo, and Santa Paula. I am focused and committed  to helping others achieve their real estate goals by providing top level marketing that sells houses quickly and for top dollar, effective buyer representation and real estate investment consultation. To discuss your next Real Estate move feel free to call or text me. David Tovar (805) 444-6366