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Financing Your Home >Credit Card Mania

Most people know that a checkered credit history can disqualify you for a home loan, and maxed-out credit cards can do the same thing. But what most people don't know is that merely having a large number of credit cards, even with low balances and a history of timely payments, can disqualify you for a home mortgage loan just as quickly.

According to credit experts, having a number of credit cards can be just as detrimental to the granting of further credit as a history of late payments. Lenders look at it this way: If you have ten credit cards, each with a limit of $5,000, that means you have the potential to run up $50,000 in debt virtually any time you choose. That mere possibility makes you a greater risk, from their point of view.

The moral of the story? If you are planning to apply for a home loan in the future, keep only those credit cards you actually need to use and cancel the others.

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Judy Arreola and Kristina Talkie, REALTORSŽ, real estate agents and brokers for Sarasota and Siesta Key Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Judy Arreola and Kristina Talkie
Michael Saunders and Co.
5100 Ocean Blvd.
Sarasota, FL. 34242
Phone: 941-349-3444
Fax: 941-349-4333
Email: JudyArreola@NUMBER1EXPERT.com
Since becoming active in the Sarasota real estate market in 1984, Judy has been one of the top ERA agents in the nation and the top 1% of Realtors in Sarasota. She has been honored by ERA as a finalist for the prestigious Jim Jackson Memorial Award for Outstanding Customer Service and Superior Performance. Among her many honors, she is also proud to be selected for 3 years in a row by Sarasota Magazine as a *Five Star Realtor* for being best in client satisfaction. As a former teacher, her attention to detail is synonymous in her business. Her real estate education credentials include Licensed Real Estate Broker, Graduate Realtors Institute, Leadership Training Graduate and Certified Residential Specialist. She has served for many years on the board at the Sarasota Association of Realtors and is a member of the Professional Standards Committee Her team includes Kristina Talkie, a Licensed Realtor. Kristina's real estate designations include Graduate Realtor (r in a circle) Institute (GRI) and is presently a candidate for Certified Residential Specialist (CRS). Her industry awards include Top Producer, ERA Beyond Excellence, Outstanding Sales Performance (six years in a row) and Top Team Award for closed sales. Judy and Kristina specialize in selling waterfront homes, golf course communities and luxury condominiums.

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NUMBER1EXPERT™ in real estate for Sarasota and Siesta Key, Florida, golf course, waterfront properties and Spanish speaking

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