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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.

Success Stories

"Thank you for all you have done helping us sell our home, Sonia. It was a pleasure working with you! Best of luck in your future, you are an excellent realtor!" Mervin and Carole S.
"Sonia, Thank you so much for all you have done for us while we searched for the perfect home, with you we found it! We will refer you to everyone we know that is looking for a new home!" Jon and Missy R.
"Sonia, Thank you so much for the amazing job you did helping us find a home. You were very patient and listened to what we were looking for !" Mark and Karla H
"I was very satisfied with Sherry’s performance as my Realtor, everything was great on her behalf. Thanks again, Sherry!" Bob M.
"Jesse was our real estate agent when we decided to sell our home. He came to our first appointment well prepared with area statistics on houses for sale, houses similar to ours and helped us easily come up with a selling price. Jesse was able to answer all our questions with accurate information. He listed our house on a Thursday morning and had the first showing two days later. This showing resulted in the sale" Shawn and Holly Rodahl Benson, MN
"The synopsis of our experience is that we, either as individuals, or as a family would recommend and/or hire Jesse Hughes a heartbeat. He’s that good, and your experience with him will be top shelf from start to finish and beyond. He’s earned a glowing review from us and here is how; After the passing of our parents, we 5 siblings were beyond fortunate, and inherited the family farm, the “home place” if you will," Eileen F, Maxine B, Maureen B, Clif P, & Joyce S.
"To whom it may concern: I contacted Hughes Real Estate/ Jesse Hughes regarding WRP/RIM land I wanted to sell. Mr. Hughes was very prompt in returning my call and set up an appointment to meet with me. I was very pleased with his knowledge regarding the WRP/RIM property. He was professional and courteous. I listed the property with him and we got the property sold." Larry A. Maiers
"I am glad to give you an honest referral as it relates to you selling my 141 hunting acres. I found you to be highly motivated in finding a buyer for my property, and once we had an offer you were always on top of the paperwork and made sure we had a quick and thorough closing…with NO SURPRISES! As a Sales Training Consultant my entire life, I didn’t miss your sincere appreciation after the" Larry J.
"We heard about Hughes Real Estate, from my wife’s cousin that used them to sell their 80 acre farm. Jesse suggested splitting the land into two parcels and selling the farm land and the CRP for hunting separately. This worked out very well for all parties. My sister and I had a conference call with Jesse and he impressed us very much and we gave him the listing. My sister was in real estate for" Les Stein
"I was very pleased with the help in getting the estate real estate sold as well as the experience our family had in preparing for our personal property estate auction. Jesse made it easy to get ready for the sale He kept us informed the whole time leading up to the day of the sale. When it came to the day of the sale it went perfect without a worry for both auctions. Thanks!" Dennis H.