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Scott MacKinnon
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Steven West
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Home Inspectors
Settlers is a complete home inspection company based in New Jersey, serving Burlington, Camden, Gloucester and all surrounding counties.
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All State InsuranceSteve Higgens
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Marilyn HurtubiseState Farm
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Lorna C. Cruz
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Phoenix MoversRoger Sharma
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Country PaintingJose Retana
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Replacement Windows
Air Chek WindowsKen Ricci
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Bob WeatherfordStructural Engineer
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School Reports in Mercer County, Burlington County and Middlesex County, New Jersey
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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 is the world's most valuable piece of furniture?

A 
The 18th century Italian Badmiton Cabinet owned by the Duke of Beaufort sold in 1990 at Christie's, London for $15.1 million dollars.
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The Mike Carney Team, REALTOR®, real estate agent and broker for Mercer County, Burlington County and Middlesex County, New Jersey home listings, property and land for sale - NUMBER1EXPERT™

The Mike Carney Team
Keller Williams Realty

100 Canal Pionte Blvd. Suite 120
Princeton, NJ 08540
609-647-8894
Fax: 609-424-0273
michaelcarney@NUMBER1EXPERT.com


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