Sam Mikel - The Columbian Readers Choice for Best Realtor in Clark County 2010; Scott Mikel won that award in 2009!

"you went above and beyond what we expected"
"...you were a staunch advocate for us...not only gained a beautiful house, but a kind friend."
Dr. Mohi
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Scoll Mikel & Associates are one of The Top Selling Real Estate Experts™
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First Time Homebuyers: Vancouver Washington home buying, real estate listings, and homes for sale in Clark County, WA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? We Can Help!

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Vancouver real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached. Please fill out the form below...

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First Time Buyers >Credit Card Traps

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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Q	Where is the world's oldest pyramid?
A	The oldest pyramid is the Third Pyramid of Mycerinus is at El Gizeh, Egypt; it has the largest single block weighing 320 tons.
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Scott and Sam Mikel, REALTORŽ, real estate agents and broker for Vancouver Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Scott and Sam Mikel
Scott Mikel & Associates inc.
3502 Washington Street
Vancouver, WA. 98660
Office 1: 360-816-8800
Fax: 360-397-0509
Direct: Scott: 360-903-1144
Direct: Sam: 360-921-0068
Email: sam@agentmikel.com
Email: scott@agentmikel.com
The Mikels have won the coveted Columbian's Readers Choice Award twice - Scott in 2009 and Sam in 2010 (out of 1400 Realtors in Clark County). They are the "real" in real estate. They have been just that for over 50 years (between them) for thousands of buyers and sellers in Vancouver and SW Washington. Maybe you can tell what they're really like if you click on the tab "About Us" - "Who We Are." They'll treat you with gentleness, kindness and humor, all at the same time. See what their customers say about them. (No they weren't paid to say those things!) After working many years in large companies, they started Scott Mikel & Associates, a LOCAL company, so they could choose which agents they associate with on a day-to-day basis, agents of ability and integrity and where they could have the technology for "virtual" real estate as needed. Scott and Sam have created a company with equal amounts of honesty, reliability and fun. They will treat you as family (if you wish) and w/ integrity and expertise at all times. Realtors are NOT all the same - some great, some not so great. Choose carefully.

www.agentmikel.com is brought to you by Scott and Sam Mikel
NUMBER1EXPERTS™ in real estate for Vancouver United States, Washington state.

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