Clearwater Beach, Tampa and St. Petersburg, Florida real estate and homes for sale in Florida - Joanne Hiller & Associates, REALTORS® Joanne Hiller & Associates REALTORS(r) for Clearwater Beach, Tampa and St. Petersburg, Florida real estate - NUMBER1EXPERTS™ Joanne Hiller & Associates NUMBER1EXPERTS(tm) for Clearwater Beach, Tampa and St. Petersburg, Florida real estate
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Joanne Hiller & Associates, REALTOR®, real estate agents and broker for Clearwater Beach, Tampa and St. Petersburg, Florida 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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Joanne Hiller & Associates, REALTOR®, real estate agents and broker for Clearwater Beach, Tampa and St. Petersburg, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

JOANNE HILLER & ASSOCIATES
JOANNE HILLER ASSOCIATES OF ISLAND ESTATES REALTY

132 ISLAND WAY, CLEARWATER, FL 33767
110 ISLAND WAY, CLEARWATER, FL 33767
Toll Free: 1 888-449-0041
Fax: 727-446-2691
Tel (132 ISLAND WAY): 727 449-0040
Tel (110 ISLAND WAY): 727 447-0040
Email: joannehiller@NUMBER1EXPERT.com

SINCE 1978 AS REAL ESTATE PROFESSIONALS JOANNE HILLER & ASSOCIATES ARE THE TOP AGENTS IN THEIR AREA. THEY HAVE CARVED OUT THEIR NICHE IN THE SPECIALIZED AREA OF LUXURY-CLASS ESTATES, WATERFRONT HOMES AND CONDOMINIUMS ON CLEARWATER BEACH. THEIR ACHIEVEMENTS DEPICT MEGAMILLION SALES AND NUMEROUS SALES AWARDS.

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