Del Mar, Carmel Valley and Pacific Highlands Ranch California real estate listings, home buying, selling and relocation information

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As a member of the Top 1% in Coldwell Banker, I have the expertise to make your real estate experience a Great Experience! Call me: 858-759-6502.

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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 was sold to Peter Minuit by the Indians for goods valued at 60 guilders ($24)?
A	Peter Minuit arrived with a group of Dutch settlers in 1626 and purchased what is now known as Manhattan.
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I Handle Both
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If you are primarily interested in New Home Construction, I have a web page devoted exclusively to your needs.
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Exterior Landscape Design
Jose Castro 760-715-0457
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Danielle Short & Associates, REALTORŽ, real estate agents and broker for Del Mar, Carmel Valley and Pacific Highlands Ranch California home listings, property and land for sale - NUMBER1EXPERT(tm)

Danielle Short
Coldwell Banker
6015 Paseo Delicias
P.O. Box 2225
Rancho Santa Fe, CA. 92067
Office: 858-759-6502
Direct: 619-708-1500
Fax: 858-780-9519
Email: DShort@Coldwellbanker.com
Specializing in the Rancho Santa Fe, Santaluz, Del Sur and North County Coastal communities, Danielle works with clients from all over the world. Danielle has over 25 years of sales and marketing experience, consistently winning national awards for her exemplary performance. A Top Producer, member of Coldwell Bankers Presidents Premier division and positioned within the top 1% in the nation, Danielle has the experience, skill, and confidence to assist homebuyers and sellers at all levels. Located in the prestigious village of Rancho Santa Fe, Danielle is a "Previews" Property Specialist, trained in marketing and selling high-end luxury homes. As a licensed Cendant Mobility Relocation Specialist, Danielle is an expert with Relocation Services, moving families with professionalism and on-going communication. With a competent real estate team working with Danielle they enable her to devote more time to her clients, providing them with the utmost in expert, thorough and efficient service. Danielle sums up her relationship to her work with this, I love my Real Estate career! My clients are a joy to work with, and I enthusiastically put my heart and efforts into helping them achieve their Real Estate needs.

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