Purchasing a property is most likely the biggest financial decision you will ever make. Whether this is your first purchase or you are an experienced buyer, this decision must be made carefully.

Why Do You Want To Buy?
Are you tired of paying rent? Have you decided to pay your own mortgage and not your landlord’s? Have you outgrown your current home? Are you looking for an investment portfolio? Are you looking for a rental property? Would you like a larger yard? Would you rather live in a different area? Do you want to shorten your commute? Having a clear sense of your reasons for buying will help you choose the right property.

Has Your Income Grown?
Property ownership is an excellent investment; whether you are looking for your dream home, a rental property, or to expand your investment portfolio. Owning real estate is one of the greatest ways to build equity or to obtain a greater return on your initial investment.

Before you start shopping for your property, it is a good idea to make some preparations.

Deciding how to purchase your property: CASH or FINANCING?

• CASH
  Cash purchases can be done very quickly (Lindsey can get keys in your hands within 24-hours- just ask!) and you can electronically sign ALL of your paperwork. For a CASH purchase, you will need to show that you have the liquid USDA funds for the entire purchase, which includes but not limited to: purchase price, closings costs, inspection fee, etc. This can be in the form of the most recent Bank Statement.

Want to use Crypto-Currency to purchase? Ask us how today!

• FINANCING
  Financing purchases typically take anywhere from 30-45 days from accepted contract. Be prepared to provide documentation on your all of your financial history and records. This includes but not limited to: Bank statements, Pay Stubs, Tax Returns, Credit Card Statements, Loans, Leases, Mortgage Info, 401k statements, Life Insurance, Stocks, Bonds, Mutual accounts, Spousal/child support info, etc. Be prepared to submit more than once and to provide supporting documentation. It’s not the most glamorous process, so be patient. Lindsey only recommends the BEST lenders in the financing world, so if they are asking for something, they need it. After all, they are loaning you a bunch of money 

WORD TO THE WISE… now is NOT a good time to change jobs, buy a car, open a credit card, buy furniture, loan money, etc. be cool until your loan is done and your KEYS ARE IN YOUR HAND!
Then go crazy!

COMMUNITY-PROPERTY STATE
Nevada is a community-property state meaning, if you are looking to purchase property during a time in which you are legally married, even if your spouse is NOT on the loan, your spouse will need to sign a spousal deed.