Finance Your Home Loan

Once you decide on the dream home you want to build, the home that meets your preferences, it’s time to apply for your loan.

You will need to provide your lender with documents that verify your overall employment history and creditworthiness. You will need the following documents:

• W-2s (for the last 2 years)
• Complete bank statements for all financial accounts, including investments (for the last 2 months)
• Signed personal and business tax returns (all pages and relevant schedules)
• If self-employed, a copy of most recent quarterly or year-to-date profit/loss statement
• A copy of the signed Purchase and Sales Agreement

Homebuyer Education

Buying a dream home is, for most people, the biggest project they will undertake in their lifetime. A successful homebuying experience is all about getting the details right from start to finish.

There are several factors to consider if you are thinking about buying a house. The following are the most important things to consider when buying your dream home:

• Debt-To-Income Ratio
• Job security
• Downpayment
• Mortgage Rates
• Supply And Demand

Real Estate Investment

Real estate is a strategic addition to any portfolio of stocks and bonds. A portfolio which includes some allocation to private real estate has historically shown the ability to drive higher annual returns.

At BADH, we have opportunities to invest in real estate that lead to building generational wealth. We’ve honed our expertise and we are dedicated to a strategy that captures real estate investment’s potential for stable returns.

Home Renovations

Renovating your home is one of the biggest investments in your life. That is why early, and proper planning is critical if you want to avoid costly mistakes and ultimately get the dream home you envision. Some questions to consider:

• How will you and your family members be using your home ?
• What are must-have features for your dream home ?
• How long do you plan to stay in this home ?
• What kind of designs and functionalities do you want ?
• What is your renovation timeline ?
• Do you have a renovation budget ?
• Do you need a home renovation loan ?
• Should you engage an Interior Designer ?

Refinance

The mortgage refinance process can be daunting. In refinancing, the goal should be to trade in your current mortgage for a new mortgage that decreases your interest rate and builds your equity faster.

Some tips to consider:

• Optimize your credit score
• Know your property value
• Negotiate rates and fees
• Make sure it’s worth refinancing
• Use your home equity carefully
• Comparison shop for the best mortgage refinance rates