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Real Estate Tips
Financing Your Home >Your Financial Cushion

When you calculate how much you will need to purchase a home you will add up the down payment and closing costs. It is also a good idea to leave yourself with some financial cushion to cover the incidental expenses associated with moving.

First, you will have to pay the moving company unless you can find friends with strong backs who will help you. Then many buyers plan to do some work, such as painting, replacing carpet, or refinishing floors. If you are moving into a larger space, you may find yourself making some major furniture purchases within a few months of closing.

A financial cushion is important enough that some lenders require buyers to have an amount in the bank equivalent to two or three months mortgage payments. This is especially true for buyers who are putting less than ten percent down. Your real estate agent can give you guidance. A lot depends on your overall financial situation. If your mortgage is a relatively low percentage of your monthly income, you will be able to rebuild a comfortable amount of savings in a few months.

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Real Estate Trivia
Q 
What place is known as "America's Stonehenge"?
A 
A 4,000 year-old stone constructed megalithic site located on Mystery Hill in Salem, Massachusetts.
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Anita Cristiano, REALTOR®, real estate agents and broker for Monroe, Goshen and Middletown, New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Anita Cristiano
Keller Williams Realty
229 Route 32
Central Valley, NY 10917
Anita Direct: 917-439-5152
Fax: 845-928-9774
Office: 845-928-8000
Office Fax: 845-928-9774
Anita: acristiano@kw.com

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