Listing Details: Marlboro, Freehold and Manalapan, New Jersey Real Estate Listings & Homes For Sale Provided by Iris Silverberg

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"She should get a raise!"
"...she is the best..."
Lou and Camille Kiste
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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 island in the St. Lawrence River was given away on a television game show in 1964?
A	Price is Right Island was given away by Bill Cullen on "The Price is Right."
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Iris Silverberg, REALTOR�, real estate agent and broker for Marlboro, Freehold and Manalapan, New Jersey home listings, property and land for sale

Iris Silverberg
RE/MAX Central
520 Route 9
Manalapan, NJ 07726
908-816-0063
Fax: 888-818-1139
irissilverberg@NUMBER1EXPERT.com
To See "ALL" Homes TEXT IRIS1 to 87778
I've been selling Real Estate for over 23 years. As a Monmouth County resident for 30 years, and an Ocean County resident for 6 years, I know this area like the back of my hand! I specialize in the sale and purchase of homes in Marlboro, Manalapan, Old Bridge, Colts Neck, Holmdel, Howell, Freehold and Jackson. Whether it's New Construction, Luxury Homes, Resales, Single Family, Adult Communities, Townhomes, Condos, Rentals, Commercial and Land, I've got you covered. My business is built on the referrals of my long term, satisfied clients who know me for my care and responsiveness to ALL their needs!

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