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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Cindy Czaskos, a proven Clinton, Hunterdon County and Pittstown, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.
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School Reports in Clinton, Hunterdon County and Pittstown, 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 was the location for the classic silent movie scene where Harold LLoyd dangles from a huge clock high above the city?
A	That scene from "Safety Last"was filmed at the Brockman Building, one block south of the Biltmore Hotel in Los Angeles.
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Cindy Czaskos, REALTOR®, real estate agent and broker for Clinton, Hunterdon County and Pittstown, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Cindy Czaskos
Weichert Realtors
9 West Main St.
Clinton Township, NJ 08809
908-391-5473
Fax: 908-735-8372
cindbob@gmail.com

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