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111-07 101 Ave, Richmond Hill, NY 11419

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.

Client

Reviews

Nothing less than perfect experience with him .Completely exceptional .i just bought house in valley stream for over 1million which we fell in love with.Agent Kumar made sure everything goes smooth and very happy with his service . Will def recommend all my friend and family.

Anonymous

I just bought the house 2 days ago in Ozone Park. I would highly recommend Avinish kumar for buying or selling homes. He has been very helpful every step of the way. A very sincere and honest realtor. Again I am completely satisfied and I highly recommend everyone.

Anonymous

One of the best agent in NYC. He did an amazing job. We went to him 2-3 months ago just to discuss about the paper requirements to buy a house, and today here we are sitting in our new house. Always there to help you even on weekends. Has great knowledge, high professionalism. Have already recommended him to 2 of my friends.

Anonymous

we were a first time home buyer. Avnish helps us a lot with the process.we highly recommend him for your new house. he is always there to help you. he has a lot of experience in this area.

Anonymous

Excellent service and very knowledge able about the market. Helped me get my home and I got a great deal!! I felt very comfortable working with him and he made sure I’m getting a good deal.

Anonymous

Consummate professional and a person of high integrity in a business where this is not the norm. Works hard and is always available and very generous with his time, which is needed during the difficult and always stressful selling process. We recommend him enthusiastically and without reservation!

Anonymous

He is a professional has alot of knowledge and helps you all the way clear things for first time home buyers treats his clients like his family it's always good to do business with a person with a lot of knowledge I will always do business with him. Helped me with buying my house for a very good price

Anonymous

Raj is an expert in real estate. He helped me sell three houses in Queens with utmost professionalism and care. He made sure all the transactions went smoothly. I would highly recommend him for your real estate needs.

baljinder kaur

Raj was very helpful in finding property. His expertise helped us to find right property in good neighborhood. He also helped us for mortgage options.

Anonymous

I purchased three property through Avnish Kumar(Raj) and sold two property with Excellent experience. He advised me every step and save my lots of money.he has so knowledge and lots of experience in Real Estate.

Anonymous
Vision Real Estate NY