Comments on: 43 Must-Know Tips (and Resources) for Every First-time Home Buyer http://www.mortgagelowdown.com/2006/11/43_must-know_ti.html News, tips and resources Thu, 20 Nov 2008 11:13:00 +0000 http://wordpress.org/?v=2.5.1 By: julia huntsman http://www.mortgagelowdown.com/2006/11/43_must-know_ti.html#comment-35 julia huntsman Thu, 19 Apr 2007 14:31:37 +0000 http://www.mortgagelowdown.com/2006/11/43_must-know_tips_and_resources_for_every_first-time_home_buyer.html#comment-35 I like many of your 43 points, but the one below concerns me. Just so folks know, I've worked in 3 real estate offices, and I've never gotten paid without a complete file, which includes signed agency disclosure forms by the buyer and seller. What is ths recent "data" about agents not disclosing who they're working for? "14. Who is your agent REALLY representing? It's alarming, but true -- your "buyer" agent may be the wolf in sheep clothing -- actually representing the seller. Stefan Scholl elaborates, "Recent data released by the National Association of Realtors indicates that real estate agents are failing to disclose whom they represent in transactions at an alarming rate, even where state laws (such as Michigan's agency disclosure law) require them to do so in writing at their first substantive meeting with a potential client." I like many of your 43 points, but the one below concerns me. Just so folks know, I’ve worked in 3 real estate offices, and I’ve never gotten paid without a complete file, which includes signed agency disclosure forms by the buyer and seller. What is ths recent “data” about agents not disclosing who they’re working for?

“14. Who is your agent REALLY representing?

It’s alarming, but true — your “buyer” agent may be the wolf in sheep clothing — actually representing the seller. Stefan Scholl elaborates, “Recent data released by the National Association of Realtors indicates that real estate agents are failing to disclose whom they represent in transactions at an alarming rate, even where state laws (such as Michigan’s agency disclosure law) require them to do so in writing at their first substantive meeting with a potential client.”

]]> By: How To Qualify For Your First Credit Card http://www.mortgagelowdown.com/2006/11/43_must-know_ti.html#comment-34 How To Qualify For Your First Credit Card Fri, 22 Dec 2006 14:59:08 +0000 http://www.mortgagelowdown.com/2006/11/43_must-know_tips_and_resources_for_every_first-time_home_buyer.html#comment-34 This is a nice blog, thanks!If you are applying for the your first card, keep in mind that the best cards may not be in your financial range yet. In that case, it's safe to consider a secured credit card that requires a security deposit. A good rule of thumb is to never spend on a card what you can afford to pay in cash. This little habit will keep you spending wisely for years to come and insure that you'll always have the credit card to fall back on in an emergency. I have a good read to share with you about How To Qualify For Your First Credit Card. I hope you'll find it useful have a great day! This is a nice blog, thanks!If you are applying for the your first card, keep in mind that the best cards may not be in your financial range yet. In that case, it’s safe to consider a secured credit card that requires a security deposit.
A good rule of thumb is to never spend on a card what you can afford to pay in cash. This little habit will keep you spending wisely for years to come and insure that you’ll always have the credit card to fall back on in an emergency.
I have a good read to share with you about How To Qualify For Your First Credit Card.
I hope you’ll find it useful have a great day!

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