Staunton and Waynesboro Virginia real estate listings, home buying, selling and relocation information

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My Special Offers: Staunton and Waynesboro Virginia home buying, real estate listings, and homes for sale in Waynesboro County, VA

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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	In which 'Oil Sheikdom' of the Far East do the wealthy still choose to live in primitive houses on stilts?
A	Brunei's oil wealth results in no income tax, free education and health services, and cheap housing loans for its average citizen.
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Willie Roberts, REALTORŽ, real estate agent and broker for Staunton and Waynesboro Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Willie Roberts - Associate Broker
Better Homes and Gardens Real Estate III
17 Parkway Lane
Fisherville, VA 22930
Direct Line: 540-213-4613
Toll Free: 1-800-327-3433
Cell: 540-241-1919
Fax: 540-886-5248
Email: WillieRoberts@NUMBER1EXPERT.com
willierober@yahoo.com
I have had the pleasure of being a full time Real Estate professional as a Realtor and Associate Broker with over 19 years experience with residential and investment properties here in the beautiful Shenandoah Valley. I serve the areas of Waynesboro, Staunton, Stuarts Draft, Fishersville and all of Augusta County. I love this entire area and it is my mission to link you together with your perfect home or property. For those of you who need help selling your home, I have many, many buyers looking - and maybe your house will be perfect for them! I help my clients with my vast knowledge of the local market, advanced real estate education and a genuine desire to make your move as smooth and enjoyable as possible. With over 19 years of success and a member of an aggressive, dynamic sales team, a few of my Real Estate accomplishments include "The Code of Ethics Award", "Million Dollar Producer Award", "Circle of Excellence for Outstanding Production", "The Service Award" and a Graduate of Realtors Institute. Having these accredited accomplishments enables me to have tremendous amounts of energy and dedication to "go the extra mile" providing my clients with only the highest quality of service. I pride myself on the fact that many of my clients end up becoming close friends! I invite you to visit my web site, get to know me, check out our area, then give me a call or drop me an email. I look forward to seeing how we can work together.

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