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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Margery Ostrow
Coldwell Banker Residential Brokerage
211 South Street
Morristown, NJ 07960
Office: 973-285-4679
Fax: 973-927-1409
Cell: 201-874-5932
margeryostrow@NUMBER1EXPERT.com

Margery Ostrow has been in the real estate industry for over 18 years, having begun her career in New York City selling cooperative apartments and condominiums on the upper East Side, and immediately became the top-grossing salesperson her first year in business. Moving back to her native New Jersey with her family in 1991 Margery has been selling residences in Morris County ever since. With a proven track record in achieving at least 99% of list price within a 30-day time frame for sellers, Margery can definitely help the seller make more money and see the transaction move faster and smoother, from listing, through marketing and right up to closing. For Buyers she offers strong negotiating skills to help obtain the best price, attention to detail, patience, diligence and, above all, integrity. Through hard, full-time work and dedication she has achieved extreme success in helping people buy and sell their homes over the years, as a Cendant Mobility Marketing Specialist, Certified New Home Sales Specialist and Certified Corporate Relocation Specialist for ADP and other fine national companies. She has served as an active member of the community, volunteering for local school positions, serving at a local acute care nursing facility, and serving as chairperson of the grant committee of a charitable foundation. Read the testimonials of many whose lives she has touched, and then call Margery to answer all of your real estate questions and concerns!

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