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Financing Options

Start A Green File

A Green File should contain all of your important financial documents. Regardless of the loan type, lenders will need information about you. Make copies of financial statements; bank accounts, investments, credit cards, auto loans, recent pay stubs and two years’ tax returns.

Check Your Credit Rating

Credit scores range between 400 and 800. 620 + is considered "good". 680 + is considered "premium" and may possibly help get you a lower interest rate.

Below you will find the contact information for the 3 major credit reporting agencies to help you determine your credit rating. Ask your lender how to improve your credit score if you need to. Going forward, treat your credit like gold.

Equifax http://www.equifax.com 800.685.1111
Experian http://www.experian.com 800.392.1122
Trans Union http://www.transunion.com 800.888.4213

Savings & Debt

If you are buying real estate, try to accumulate funds towards your down payment, closing costs (appraisal, miscellaneous fees, escrow, title insurance, etc.) and expenses such as inspections. Furthermore, try to pay down existing revolving and high interest rate debt like credit cards.

Toe The Line

Now is not a good time to change careers, move your money around, or buy big ticket items. Lenders like stability. So if you are considering any major changes, it pays to meet with a lender and ask them how to proceed before you make any changes! If you are tempted to buy a big ticket item, consider the following:

A $500 a month debt payment (like a credit card or auto loan) could lower the amount of home you can afford by about $83,000! *

* Based on a 30 year mortgage at 6% interest.

Testimonials
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Gabi was absolutely wonderful through the entire process of selling our home. She was knowledgeable, thorough, responsive, and professional. She made the process for us so easy. We had a couple hiccups with our buyer in the closing process and Gabi k...

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We recently sold our home with Gabi and because of Gabi's expertise, we had an absolutely seamless experience. She gave us very solid advice and was able to negotiate the selling process in a fair and reasoned manner. We would highly recommend Gabi...

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We're so grateful to Gabi for helping us buy our dream home in Durango, Colorado. She was very knowledgeable about all the neighborhoods in Durango and was able to share a lot of "insider" advice with us, which we so appreciated. She was incredibly r...

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Gabi is awesome! She helped us buy and sell 5 different real estate transactions. She is extremely knowledgeable, courteous and professional. Very easy to communicate with and will keep you informed on everything! We highly recommend her to find you...

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It’s rare that you meet someone in any profession that inspires the level of confidence that Gabi does. Her professionalism, knowledge, and dedication to getting every detail right makes her that person. It has been our pleasure to work with Gabi f...

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There is no realtor out there like Gabi, she is extremely professional and knowledgeable when it comes to real estate. She is not about just making a closing but about making sure the fit is right for you and your family. I would never use anyone els...

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Gabi is professional, friendly, accessible, and assertive on your behalf. We relied on her to take care of all of the details that go along with purchasing a home and she definitely exceeded our expectations. It was a great experience - I highly re...

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Gabi is hands down the best realtor we have ever worked with. She knows everything about the marketplace, the local service providers needed for support, and is absolutely delightful to work with. She was completely committed to making sure we got a ...

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We were SO fortunate to randomly connect and work with Gabi in purchasing our home. Not only is she completely knowledgeable of the area but also made the process of buying a home such a stress free process. Of 4 offers on our hopeful home, we were...

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Gabi is the best! She was a great resource for us while we were preparing our house prior to listing it for sale. She is very experienced, highly professional, and has always responded to all of our questions promptly. Through her vast network of ...

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Gabi Bergstrom Durango Real Estate Remax Logo
970.946.7522 GabiBergstrom(at)gmail(dotted)com RE/MAX Pinnacle
1221 Main Ave. Durango, CO. 81301
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