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From A First Time Buyer
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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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Q	What home is the best example of colonial architecture in homes designed to "grow" as the family grew?
A	The House of the Seven Gables in Salem, MA, that was the model for Nathaniel Hawthorne's novel of the same name.
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Kerry Roth, REALTOR®, real estate agents and broker for Rockville, Silver Spring and Gaithersburg Maryland home listings, property and land for sale - NUMBER1EXPERT™

Kerry Roth
RE/MAX 2000
11900 Parklawn Dr Rockville Pike, Suite 400
Rockville, MD. 20852
Direct : 301-518-0994
Fax: 240-465-1408
Home Fax : 24-465-1408
Office : 301-881-1700
Email: KerRemax@comast.net
I have helped hundreds of clients make the move and I look forward adding you to the long list of satisfied clinets I have assisted. I look forward assisting you with your home sale or purchase in the DC Metro Area in the near future. Do not hesitate to contact me with any questions or concerns about real estate in our area. If you are moving from out of town, don't hesitate to ask for our relocation package. I serve DC, Maryland and Northern Virginia! Happy House Hunting!