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Real Estate Tips

First Time Buyers >Credit Card Common Sense

If you are buying a home for the first time, you need to establish a reasonably good financial foundation before a lender will approve you for a mortgage loan. Lenders look for a good credit rating, sufficient funds to make the initial down payment and pay the closing costs, and a stable employment situation.

People who have just qualified for a mortgage loan are usually in better-than-average financial shape. If you have recently purchased a new house, don't be surprised if you receive numerous offers from retail stores and other credit card companies offering you pre-approved revolving credit.

Be careful about accepting these offers! New home owners often use most of their savings in the process of financing the transaction, and they need everything from linens to furniture to get settled in the home. With all of the immediate credit available, it may be very tempting to just say "charge it." If you're not careful, you could be "up to your ears" in debt very quickly. It takes discipline to reach the goal of home ownership--and it takes that same kind of discipline to maintain financial health after you leave the closing table.

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Real Estate Trivia

Q 
What was the location for the classic silent movie scene where Harold LLoyd dangles from a huge clock high above the city?
A 
That scene from "Safety Last"was filmed at the Brockman Building, one block south of the Biltmore Hotel in Los Angeles.
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Bill Blitch, REALTOR®, real estate agent and broker for Branson, Hollister and Ridgedale, Missouri home listings, property and land for sale - NUMBER1EXPERT

Bill Blitch
Carol Jones Realtors
45 Notch Shopping Lane
Reeds Spring, MO 65737
417-294-4022
Fax: 417-338-1051
BillBlitch@NUMBER1EXPERT.com


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