Point Loma, Pacific Beach and North Park real estate and homes for sale in California, downtown metro properties, luxury estates - Tracie Kersten and Ryan Mathys, REALTORS® Tracie Kersten and Ryan Mathys REALTORS(r) for Point Loma, Pacific Beach and North Park, California real estate, downtown metro properties, luxury estates - NUMBER1EXPERTS™ Tracie Kersten and Ryan Mathys NUMBER1EXPERTS(tm) for Point Loma, Pacific Beach and North Park, California real estate, downtown metro properties, luxury estates
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Tracie Kersten and Ryan Mathys, REALTORŪ, real estate agents and broker for Point Loma, Pacific Beach and North Park California home listings, property and land for sale - NUMBER1EXPERT(tm)
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For Sellers: Point Loma, Pacific Beach and North Park California home buying, real estate listings, and homes for sale in San Diego County, CA
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Why Sellers Choose Tracie Kersten and Ryan Mathys: Why home sellers in Point Loma, Pacific Beach and North Park choose Tracie Kersten and Ryan Mathys
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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 
Where is the world's tallest apartment block?

A 
The 100-story John Hancock Center in Chicago, Illinois is 1,127 feet high; floors 44 through 92 are residential.
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Tracie Kersten and Ryan Mathys, REALTORŪ, real estate agents and broker for Point Loma, Pacific Beach and North Park California home listings, property and land for sale - NUMBER1EXPERT(tm)

Tracie Kersten and Ryan Mathys
Profund Financial and Real Estate

7777 Fay Ave #G4
La Jolla CA 92037
Ryan Cell: (858) 405-4004
Tracie Cell : (619) 886-5294
Office: 619-694-4631
Fax: (619) 374-2426
Ryan Email: ryan@profundrealestate.com
Tracie Email: tracie@profundrealestate.com

As the founders of ProFund Financial & Real Estate, we are able to offer a unique service and value to our clients by representing them in buying or selling their home as well as providing an extensive choice of financing options. This allows us to offer our clients a full service package that can be worth thousands of dollars in savings. We take a big picture approach to helping our clients over a lifetime, not just the transaction. We do this by educating clients about real estate and financing, communicating throughout the transaction and following up long after it is completed. We believe that everyone deserves GREAT representation and service. The right team can make all the difference, just ask our clients. Company DRE License #01524357 Tracie Kersten: #01137669 Ryan Mathys: #01361941

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