"Dedication, professionalism & élan throughout ."
"As I sit at my desk writing this letter in my beautiful new home overlooking my own personal backyard “nature preserve,” I still have a hard time believing I really live here. You really were the key element in making this dream a reality. In addition to the diligent research you provided in the initial search for the right place, your dedication and sense of professionalism kicked into high gear when the home I decided I “had to have” was loaded with complications on the seller’s end. You addressed every issue with a high degree of professional experience and élan. I don’t think many realtors would have had the experience and patience you displayed throughout the process. And as you and I both know, even during a time when you experienced a significant family loss, not one detail of my home purchase process was delayed. The only word adequate to describe your abilities and service is “amazing.” I will always highly recommend you to anyone that suggests the need to buy or sell a home. You are the pinnacle of “top notch.” Thank you for everything."
Marsha Anderson
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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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