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"My experience with Mike Kight was a very pleasant one. Mike listened to what I wanted and also made suggestions on helping me with certain decisions. He kept me informed of each step of the buying process and I felt he was always looking out for my best interests. Thank you so much for helping me and my family get into our first house!!"

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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	Exactly how many islands are included in the group called the 1000 Islands?
A	There are actually 1,864 islands in the 80-mile stretch in the St. Lawrence River, between Ontario, Canada and New York State.
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Mike Kight, REALTOR®, real estate agents and broker for Austin, Cedar Park and Leander, Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

The Mike Kight Home Team
RE/MAX Capital City II
1903 Cypress Creek Rd., Suite 101
Cedar Park, TX 78613
Phone: 512-924-6524
Fax: 512-744-4601
mikekight@NUMBER1EXPERT.com
mikekight@remax.net
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