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Harcourts Beverly Hills

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.

Recent Reviews

Thank you Glen for all the hard yards you put in for us on Saturday to obtain the results we did. Your knowledge of the industry is invaluable and to combine this with your enthusiasm, professionalism and positive nature is peace of mind for any prospective vendor. We were extremely pleased to have you on our side throughout this process.

Andrea D.

Your ability to successfully manipulate and read the potential buyers art my auction resulted in a more than satisfactory sale price. I feel comfortable contacting you anything with questions about future purchases.

John & Leanne E.

Alex and Deanna are the only people I would recommend with complete confidence. They far exceeded any expectations I could have imagined. I handed over the keys to my home and they handled everything extremely quickly getting it on the market. The staging made our mid-century modern home look like a model! The process was totally turnkey from staging, marketing, open houses with follow up and negotiating on the many offers we received after the first open house. We sold the house for K over asking!!! To top it off, they are the nicest people to work with and always go above and beyond. It is a no brainer... they are the BEST!!!

Jacque M.

Alex and Deanna made the process of buying our first home seamless. They are an amazing team and went above and beyond every step of the way. I cannot recommend them enough. We will be clients for life!

Michael M.

There are very few professionals like, Brooke Coutinho. She masters the fine art of communication, kindness, and intelligence when completing any task at hand. I have the honor of working with Brooke and our international women’s real estate group called, Real Women In Real Estate Los Angeles. As a real estate professional, homeowner, and investor I have 100% confidence in Brooke and honestly, I wish I could steal her away to work with me. She is the proverbial unicorn in our business.

Louisette G.

I have worked alongside Brooke Coutinho for approx. 5 years. During this time I found her to be extremely helpful, so efficient and always professional! I would love to have Brooke in my team and or have her assisting me with a transaction as I know I could always rely on her to provide the best outcome possible! If you need any further information please feel free to contact me.

J. Royston

Elise is a mind reader! Well, not really BUT when I told her what my must-haves were, she listened. And, when I told her where I wouldn’t compromise, she got it. Time is precious and she respected that and didn’t waste my time by showing me homes that didn’t work for me. That’s important to me.

Ellen G.

Christine helped us with our relocation from the Central Valley recently. We had a very specific timeline as this was a work relocation, a specific lists of wants, budget and knew nothing about the area. Christine was respectful of all this and got us in our home with all boxes checked. Honestly, couldn’t be more pleased. A true professional and would highly recommend her. We are beyond happy, and fortunate, to have had Christine on our team.

B Taylor.