PROOF OF FUNDS OR FINANCING

Paying cash? You need a proof of funds letter from Your bank. Financing? Get prequalified or preapproved so You know what purchase price creates the monthly payment You are comfortable with. Choose one of OPTIMUM REALTY's preferred lenders because we know they uphold our OPTIMUM  standards of service! 

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Some of the required documents are tax returns, pay stubs, bank statements, photo i.d., and

 cash or a gift letter for closing costs. Veterans need their DD-214 if they are utilizing a VA loan. Remember, when You are in the middle of the home loan process do not  finance a car, furniture or anything else without speaking with Your lender first. Have more questions? Contact one of our preferred lenders by clicking on the tab below.

Buying & Selling real estate is one of the largest financial decisions of Your life. When searching for an Agent consider the following; Are they a member of the National Association of Realtors? Are they knowledgeable of Your local market? Do they help answer questions You have about the process? Are they relatable & do You feel comfortable with them? Are they reliable & trustworthy? OPTIMUM REALTY is here to help!

Now you are ready to begin the search. It helps to make a list of what You want & don't want. Some examples are to choose the location, the square footage, the number of bedrooms & baths, & the lot size. Searching for land? Does it already have utilities? What is the topography? Is there a recent survey? Have more questions? 

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Now that You and the Seller(s) have come to an agreement on the contract terms, OPTIMUM's Transaction Coordinator (TC) Elizabeth will contact You. She will forward the contract to the Lender &  Title Company. Next, choose Inspectors & let Elizabeth know so she can coordinate them. OPTIMUM REALTY is here to help insure Your deal runs smoothly. Contact us for more information. 

 Issues may arise once inspections are completed & title work has started. OPTIMUM REALTY helps find solutions & bears the burden to resolve them. Plus, we have industry preferred professionals to assist us in doing so. Once the hurdles are overcome & contract terms met, we are ready to close! Thinking about buying? Give us a call  & we will gladly help!