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First Time Buyers >Credit Card Traps

It is not unusual for first-time buyers to be free of debt. They have been saving for their first home for many months or even years. But after they move into their new home, the new homeowners are often deluged with pre-approved credit card applications from banks and stores offering credit lines. Before they realize what is happening, they can be overwhelmed with debt.

The consumer credit agencies know that mortgage companies do thorough checks before approving a loan, and those who have passed through that process are considered good credit risks. They also know that new homeowners often need to make major purchases of furniture and appliances at a time when they have depleted most of their savings accounts. After years of disciplined savings, new owners may be faced with a tremendous temptation to just say "charge it" for the things they need.

If you have just purchased a home, be aware--and wary--when those credit card applications start pouring in!

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Q	Which estate has two pools--one on the east side for the morning sun and one on the west for afternoon enjoyment?
A	The former estate of John Lennon in Palm Beach has two pools plus guest quarters.
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Throughout the sale, we felt that Ann gave us her undivided attention and made sure all of our questions were answered.
Oscar
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Ann Picard, REALTOR®, real estate agent and broker for Orange Beach, Gulf Shores and Fort Morgan Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

Ann Picard
Ann Picard Realty Inc.
25042 Perdido Beach Blvd P O Box 1147
Orange Beach
AL 36561
251-543-6400
Fax: 251-981-2644
pannpicard@aol.com
Ann is originally from the mountains of North Carolina. She has lived on the GulfCoast for many years and has traveled extensively selling resort real estate. She specializes in beach and waterfront condominiums, homes and building lots. Her 25 years of experience and knowledge gives any buyer or seller an edge on the market. Mingle that with integrity, dependability and professionalism and you have the best in listing, selling, renting or management of your property. She is licensed in Alabama, Florida, Mississippi, Hawaii and the US Virgin Islands. NO REALTOR IS MORE COMMITTED AND HAS YOU COVERED BETTER THAN ANN! CALL OR E-MAIL HER TODAY! 251-543-6400 OR pannpicard@aol.com

www.gulfcoastcondos4sale.com is brought to you by Ann Picard
NUMBER1EXPERT™ in real estate for Orange Beach, Gulf Shores and Fort Morgan, Alabama, Pre-Construction, Condos

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