Credit Scares

Unless you are among those who are currently focused on the search for a new Costa Mesa house, this week’s Halloween celebration has probably captured a goodly bit of your attention. As Halloween night draws near, most other Costa Mesa residents find themselves preparing kids’ costumes, carving suitably horrifying jack o lanterns, stocking up on goodies for the onslaught of the costumed throngs, or, alternatively, making plans for going dark convincingly enough to avoid the wrath of the trick-or-treaters. But actively engaged house hunters can be forgiven if they’ve been preoccupied with their more urgent real estate pursuit.

That doesn’t seem fair, so in order to preserve the spirit of Halloween week for house buyers, here is a theme-appropriate tale with half a dozen shriek-producing plot twist endings:

(Turn down the lights).

Imagine an innocent couple—after an uneventful series of house showings, they finally find the home of their dreams! They apply for the home loan; all they have to do is await approval…

It’s a dark and stormy night. Now the phone rings! It’s the bank; the phone is on speaker as we hear the bone-chilling voice that says:   

  1.       “Is it true that you just changed jobs two weeks ago?”
  2.       “Soooo, last Tuesday you decided to buy a bunch of furniture for the new house—on credit?”
  3.       “That big one-time deposit into your bank account. It came from…where, exactly?”
  4.       “Looks like you forget to list that personal loan balance of $12,315?”
  5.        “I see you bought a very nice car last week. Very. Nice.”
  6.       “Eight credit inquiries in the past two months? Really—eight?”

 Credit missteps like these can turn into trap doors on the path to owning a home. But such scary Halloween plot twists will just be make-believe—especially for Costa Mesa house buyers who have the benefit of teaming up with a licensed Costa Mesa real estate professional. Whether buying or selling, I hope you’ll give us a call—the earlier, the better!

We are built on a philosophy of Heritage & Hustle L3 is a full service real estate agency with a regional office located in the heart of #CostaMesa, offering a wide-array of custom services to meet their clients’ needs with roots in the community since 1976. It’s L3 mission to provide trusted, convenient, responsive service to ensure clients enjoy their real estate experience. L3 was originally formed to offer personal, concierge-level service as an alternative to the large, nationally based real estate companies. From its small beginnings of only two employees, L3 has grown to a full staff of 20 serving over 300 clients a year. L3 is not limited to serving just its clients; it is also committed to serving the community. Not only has L3 donated hundreds of hours to many area charities, they have also received the prestige of being named one of the #toprealestatecompaniesinCostaMesa If you’re interested in #buyingorsellinginOrangeCounty, turn to the experts. Turn to L3 and let them help you make your real estate buying or selling dreams come true. For more information or to get started on finding or selling your home contact L3 today at 714-444-4663 or email us at info@thel3.com 

Posted by Matt Kanoudi on
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