Before you start shopping for your new home, it is best to follow a successful plan.

Decide To Buy
Choosing An Agent
Time To Go Shopping
Under Contract
Moving In

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.
Get in Touch

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.

Get in Touch

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.

Get in Touch


Let's Work Together

Betty Fernandez, REALTOR®/ Broker-Associate
Real Estate Collaborative Specialist – Divorce™ – RCS-D™
CalBRE #01452802
(805) 766-1495
[email protected]

Schedule an appointment