Lincoln City, Newport, and Toledo real estate and homes for sale in Oregon - Mary O'Connor, REALTOR® Mary O'Connor REALTOR(r) for Lincoln City, Newport, and Toledo, Oregon real estate - NUMBER1EXPERT™ Mary O'Connor NUMBER1EXPERT(tm) for Lincoln City, Newport, and Toledo, Oregon real estate
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Mary O'Connor, REALTOR®, real estate agent and broker for Lincoln City, Newport, and Toledo Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

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Real Estate Tips
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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Real Estate Trivia
Q 
Which house over 100 years old still holds the title as the largest house in the U.S.?

A 
The 250-room Biltmore House in Asheville, NC, built 1890-1895 at a cost of $4.4 million, is the largest house in the US.
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Mary O'Connor, REALTOR®, real estate agent and broker for Lincoln City, Newport, and Toledo Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Mary O'Connor
Coldwell Banker Gesik Realty, Inc.

1815 NW HWY 101
LINCOLN CITY, OR. 97367
541-994-7760
800-959-7760
541-921-0832
Fax: 541-994-9582
Email: maryohomes@NUMBER1EXPERT.com

I have been selling Real Estate in Lincoln County since 1992. The opportunity to meet new people and to make so many new friends has been the absolute best part of my job. Let me put my many years of expertise and knowledge to work for you! Mary O'Connor


Coldwell Banker Gesik Realty, Inc. real estate and homes for sale in Lincoln City, Newport, and Toledo Oregon

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