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"A friend and a Realtor®"
"Jim has been a friend since we first asked him to find us a small apartment in 1993. Not only was he our tireless Realtor®, he never stopped being friendly, helpful and kind. We have bought four properties and sold three since then, all with Jim. He never forgets the details, which makes buying and selling real estate a pleasant experience. You know he is watching out for your interests because he has a true sense of what is appropriate and proper in the business, and is scrupulously honest. The old adage says, "never do business with a friend." In the case of Jim Corbin, forget it! He is a special person."
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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 |
During what great land boom (1919) did investors pay up to $25,000 for lots that had not yet been dredged up from the ocean?
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| A |
The Florida Land Boom--Carl Fisher founded Miami Beach that year and brought hundreds of investors to the state. |
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