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Preparing to Buy

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.

Banner real estate

Hello and Welcome from the partners and agents of Banner Real Estate! Our company has been serving the real estate needs of Shasta County and the surrounding area for over 40 years. We are a locally owned company with 15 partner owners and several sales agents with an average 20+ years of Real Estate experience. Banner Real Estate has a long-held reputation for providing knowledgeable and professional real estate services to its buyers and sellers. For the past several years our Company has had sales totaling over 60 million dollars annually.

Banner Real Estate is the local listing broker for all HUD HOMES for Northern Tehama, all of Shasta, and Trinity Counties. If you are buying or selling real estate in our area, one of our skilled real estate agents and brokers are always available to assist you. At Banner, we believe in "Excellence and Personal Services". So, come to the Castle, where you will be treated Like Royalty!!!

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