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School Reports in Manalapan, Marlboro and Old Bridge, New Jersey

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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 bizarre post-midnight pageant celebrated the great transformation in Manhattan architecture during the 1920s?
A	Beaux-Arts Architects' Ball (January 23, 1931) at the Hotel Astor commemorated the end of the first skyscraper age.
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George Golden, REALTOR®, real estate agent and broker for Manalapan, Marlboro and Old Bridge, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

George Golden
Coldwell Banker
335 Rte 9 South
Manalapan, NJ 07726
office: 732-462-4242
Fax: 732-462-5792
cell: 732-462-2605
georgegolden@NUMBER1EXPERT.Com
Selecting the right real estate agent is one of the most important decisions you will make. If you are buying or selling a home you will need an agent who will work for you. I can help you through honesty, integrity, sincerity, price strategy, strength of my marketing plan and extreme knowledge of the market. I am a full-time professional REALTOR.

My career as a sales associate includes experiences in all phases of real estate from residential resales and new homes to land sales. This experience makes me uniquely qualified. I will apply years of experience and understanding of making your real estate dreams come true.

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