Real Estate Affiliates in Lake Havasu City, Bullhead City and Kingman, Arizona Provided by Joanna's Team

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D&R Excavating

D&R Excavating
Phone (928) 855-7197

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School Reports in Lake Havasu City, Bullhead City and Kingman, Arizona

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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 is the maximum interest you can deduct on your federal tax return to purchase or improve a first or second home?
A	One of the greatest benefits of home ownership is the federal tax deduction for interest up to, but not exceeding, $1million.
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Joanna's Team, REALTOR®, real estate agents and broker for Lake Havasu City, Bullhead City and Kingman, Arizona home listings, property and land for sale - NUMBER1EXPERT™

Joanna's Team
Keller Williams
1990 N. McCulloch BLVD Suite 109
Lake Havasu City, AZ 86403
928-505-2777
Fax: 928-453-4114
Joanna@JoannaDidItAgain.com
Joanna's Real Estate Team at Keller Williams treats you like family. What our family is mostly concerned about in this shifting market is the values of homes in their area. GET TO KNOW YOUR NEIGHBORHOOD VALUES call us today 928-505-2777 or click the "Get Connected" Button on the top of this page. You will receive alerts about what is being listed or sold in your area.

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