Dear Laura: I never thought I'd be writing such a letter to a real estate agent! John and I have bought and sold several properties over the years, and the service we'ver received from a variety of agents has been questionable at best. Our experience with you, however, has been a much different story! For the first time ever, we both believe we found an agent who was truly working for us - not just a commission! We were both delighted with the personal attention you showed us during our recent house hunting trip to Richland. You were well-prepared and had obviously done your homework. We found you to be warm, friendly and personable. We were impressed with your professionalism and your attention to details, which we find to be rare in the real estate business. We believe you to be honest and toally above board in your dealings with us - especially since you represented both the seller and us - the buyers. You asked just the right questions and paid specific attention to details in our offer to the seller enabling us to win the house which was our first choice among the available possibilities. As well, your research into lending institutions also resulted in our getting the specific financing we were looking for. Coming to a new community, all these details are of great importance, and your dedication to doing a good job for your clients is extremely evident. Your help will make our transition to Richland a much more pleasant one. We sincerely appreciate knowing a top-notch agent like you is available to us should we have further need of one during our stay in Washington State. We are highly recommending you to three or four other Flour Daniel employees who will be relocating to the Richland area in the next few months. We're sure they will be unable to find an agent of your calibur anywhere else! See you at our house warming! Sincerely,
The Kubiceks
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 |
Who is "Fannie Mae" and why is she a big name in real estate?
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| A |
"Fannie Mae" is the real estate industry nickname for FNMA, or Federal National Mortgage Association, the stockholder-owned corporation that purchases mortgages from mortgage lenders. |
 See More Real Estate Trivia > |
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