Encinitas, Carlsbad and Cardiff By The Sea real estate and homes for sale in California, beachfront properties, homes with ocean views, luxury coastal properties, ocean view homes - Christie Kramer & Associates, REALTORS® Christie Kramer & Associates REALTORS(r) for Encinitas, Carlsbad and Cardiff By The Sea, California real estate, beachfront properties, homes with ocean views - NUMBER1EXPERTS™ Christie Kramer & Associates NUMBER1EXPERTS(tm) for Encinitas, Carlsbad and Cardiff By The Sea, California real estate, beachfront properties, homes with ocean views
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Christie Kramer & Associates, REALTOR®, real estate agents and broker for Encinitas, Carlsbad and Cardiff By The Sea California home listings, property and land for sale - NUMBER1EXPERT(tm)


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Real Estate Tips
Financing Your Home >The Loan Application

When you have decided on a mortgage lender, you begin the loan process by filling out a loan application. You should be fully prepared to go over your current financial situation and credit history with the loan officer.

Have a record of all of your current bank accounts, including the name and address of bank(s), type of account(s), and approximate balance(s). Be prepared to provide details about outstanding loans, including student loans and major credit accounts. You will also need information about your assets, such as car title, stocks and bonds, and life insurance policies. If you foresee any credit problems, ask the loan officer for advice on how to keep them from interfering with approval of your mortgage loan. The loan officer can usually give you a prompt opinion about your chances for obtaining a mortgage.

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Real Estate Trivia
Q 
Why is the Terra Amata site in Nice, France famous?

A 
Remains of 21 huts found in 1965 are thought to be the oldest known habitation from the Acheulian culture 400,000 years ago.
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Christie Kramer & Associates, REALTOR®, real estate agents and broker for Encinitas, Carlsbad and Cardiff By The Sea California home listings, property and land for sale - NUMBER1EXPERT(tm)

Christie Kramer-LeVander & Ric LeVander
Sea Coast Exclusive Properties
900 South Hwy 101
Encinitas, CA. 92024-2933
Phone (Ric): 760-632-9390
Phone (Christie): 760-632-9302
Email (Ric): Richard@LeVander4RE.com
Email (Christie): Christie@Christie4RE.com

We have been recognized for our outstanding client care, listening and service to our clients. Marketing a home is our passion! Our company, Sea Coast Exclusive Properties, is the industry's leading real estate company. Christie has been recognized by Sea Coast Exclusive Properties for sales achievement with the coveted Centurion Award for the last four years, putting her in the top 3% nationally! We will treat your home like it is our own, with love and care. You will be happy with your total experience!

Equal Housing GRI MLS REALTOR

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