Malibu, Topanga Canyon and Pacific Palisades real estate and homes for sale in California, Ocean View, Luxury Estates - Kathryn Yarnell, REALTOR® Kathryn Yarnell REALTOR(r) for Malibu, Topanga Canyon and Pacific Palisades, California real estate, Ocean View, Luxury Estates - NUMBER1EXPERT™ Kathryn Yarnell NUMBER1EXPERT(tm) for Malibu, Topanga Canyon and Pacific Palisades, California real estate, Ocean View, Luxury Estates
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Kathryn Yarnell, REALTOR®, real estate agent and broker for Malibu, Topanga Canyon and Pacific Palisades California home listings, property and land for sale - NUMBER1EXPERT(tm)
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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 
Where is the world's oldest pyramid?

A 
The oldest pyramid is the Third Pyramid of Mycerinus is at El Gizeh, Egypt; it has the largest single block weighing 320 tons.
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Kathryn Yarnell, REALTOR®, real estate agent and broker for Malibu, Topanga Canyon and Pacific Palisades California home listings, property and land for sale - NUMBER1EXPERT(tm)

Kathryn Yarnell
Pritchett - Rapf & Associates

3858 Cross Creek Road
Malibu, CA. 90265
310-980-6850
310-457-0537
310-456-5621
Fax: 310-589-1145
Email: Kathryn@kathrynyarnell.com

Are you relocating? I relocated myself and remember how it feels! I love to help my clients relocate! I designed my web site to provide you with almost everything you will want to know before making your move to Malibu. So click and browse away! Be sure to contact me for more in-depth information on any subject and I will send it out to you absolutely FREE!

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