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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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Q	What is encroachment, and how might it affect a property owner?
A	Encroachment, refers to the unauthorized intrusion of a building or improvement onto another person's property; it often requires a surveyor's report to support the claim.
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The DamonSellsHomes Team, REALTOR®, real estate agents and broker for Fairfax, Clifton and Centreville Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

The DamonSellsHomes Team
Coldwell Banker Residential Brokerage
At the Crossroads of Northern Virginia
Fairfax Regional Office
4000 Legato Rd., Suite 100 , Fairfax, VA 22033
703-502-8787
Fax: 703-691-4656
Damon@DamonSellsHomes.com
Are you looking for a great Northern Virginia Realtor?
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We are #1 in Fairfax, Clifton & Centreville

Robin, Barbara and I take our professional real estate abilities and attitudes seriously. Yet we create a painless and enjoyable experience working hard for clients like you. We are successful for only one reason: we truly find homes for our clients, not just houses with new addresses. We really do mean it when we say we want the best for you and your family, because family matters. And with us, you have a new family of sorts, your realty family, and we promise to be your best advocates throughout the entire buying and selling process.

Northern Virginia is said to be one of the premier places to live in America. We couldn't agree more! If you're considering the sale or purchase of a home anywhere in Northern Virginia, you've come to the right place. With hundreds of millions of dollars in sales and decades of residential real estate experience, you can be confident about choosing us to be on your side. Please contact us anytime...morning, noon or night. We are USAA and Cartus Relocation Certified and we list and sell in every nook and cranny of Northern Virginia!

""The International President's Premier designation is the paramount honor among our sales force. Fewer than 1% of all 90,000 Coldwell Banker associates worldwide qualify for this most distinguished group."
- Alex Perriello, President and CEO of Coldwell Banker Real Estate Corporation.

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