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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 island was sold to Peter Minuit by the Indians for goods valued at 60 guilders ($24)?
A	Peter Minuit arrived with a group of Dutch settlers in 1626 and purchased what is now known as Manhattan.
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Jennifer Daniel Milligan, REALTORŽ, real estate agent and broker for Plano, Frisco, Prosper and Allen Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Jennifer Daniel Milligan
RE/MAX Dallas Suburbs
4032 McDermott Road, Suite 100
Plano, TX 75024
Main Office: 972-208-9200
Jennifer's Voice Mail: 972-380-3260
Diane's Voice Mail: 972-978-8990
Pam's Voice Mail: 972-407-4735
Fax : 972-423-7296
Jennifer Daniel Milligan: jennifer@jenniferdaniel.com
Diane Daniel: dianedaniel@verizon.net.
Pam Reed: aeaereed@swbell.net
Listing Manager Cheryl: cmolitor@inbox.com
Jennifer Daniel Milligan and "The Daniel Team" are a team of Realtors with over 38 years of combined real estate experience in Collin County Real Estate! Licensed since 1993, Jennifer thrives on helping her clients achieve their real estate goals and she works hard to provide them with every advantage through her professional experience and education. She has earned the coveted Certified Residential Specialist (CRS), Graduate, Realtor Institute (GRI), Accredited Staging Professional (ASP) and Accredited Buyer Representative (ABR) designations and is also a founding member of the Collin County Premier Realtor Network. A proud "Native Texan", Jennifer grew up in Plano, attended Plano schools K-12, graduated from SMU in Dallas and now makes her home in Plano with husband, Kelly Milligan, and their 5 year old daughter, Mary Kathleen, "Mary Kate" and new baby Virginia Maureen,"Ginger" (5 months old) . They share their home with 3 adopted animals: Walter (a lab/collie mix) and Danny & Martha, the two cats! Although "The Daniel Team" is consistently ranked as the #1 RE/MAX Team in Collin County year after year, we feel that our clients' testimonials are the most important "award".

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