Commerce, White Lake and Milford Michigan real estate listings, home buying, selling and relocation information

Steve 248-755-7500 Janet 248-755-7600.

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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	Which famous home designed by Thomas Jefferson showed forms of Greek and Roman architecture?
A	Monticello, begun in 1769, was later enlarged in keeping with its classical forms.
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The Stockton Team, REALTORŽ, real estate agents and broker for Commerce, White Lake and Milford Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

The Stockton Team
RE/MAX 100
26870 Beck Road
Novi, MI 48374
Toll Free: 888-264-7653
248-360-3900
248-755-7500
Fax: 248-360-5158
Email: janet@thestocktonteam.com
Email: steve@thestocktonteam.com
We have become the Lakes Areas top Real Estate team for one reason, and one reason alone: we give each and every one of our clients the loyalty, professionalism, and personal care that we would a member of our own family. Real Estate is a business, to be sure, and because we know it better than any other firm in shouting distance we are able to offer better service through advertising and our negotiating skills. It is true that we have received RE/MAXs highest honor, the prestigious Chairmans Award. But we are even more proud of our most ordinary daily achievement, which is to develop warm, human relationships with our clients in which we personally demonstrate the highest levels of commitment, expertise, and perhaps above all, good timing. We love the Lakes Area and we know it from the inside out. Working together, we promise that you will be delighted not only with the outcome we achieve but the way we have achieved it.

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