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All agents are NOT alike! Find out why the team at JOLIE POWELL REALTYI are top real estate experts. Call us: 631-473-0420.
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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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View All Offers >
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We Couldn’t Be Happier!
She took the time to find out about our needs and wants in a home and went out of her way to be available for us until we found the perfect home
Melanie & Bill
Read Quote >
View All Quotes >
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 Compare three mortgages
at one time. Download TripleCalc now. It's free. |
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Download TripleCalc for FREE. It's My Gift to You. You can compare three loans at one time with TripleCalc software. The software installs easily on your Windows PC. You don't have to be online to use TripleCalc, like the other calculators on my site. You can leisurely compare three loans from three different lenders, and try different scenarios to see which loan is best for you. TripleCalc would cost you about $30 elsewhere, but you can have it for FREE. It's my gift to you for visiting my Port Jefferson, Stony Brook, Setauket and Old Field web site. You can send copies of TripleCalc to all your friends and associates. Click on the Download link below to get TripleCalc. It's a small file (about 225k) so it will download quickly. Save it on your hard drive, and then double-click on it. You'll see that it installs in a snap...  Download
TripleCalc Now!
This is what TripleCalc
will look like on your Windows PC. You can compare 3 loans,
at one time -- and you don't have to be online. TripleCalc
lets you get a leg up on complicated loan comparisons. |
Includes 8 other calculations
you can't do without:
- Simple Mortgages with P.I.T.I.
- Pre-qualifying mortgages
- Plus lease, investment, balloon payment and
other calculators.
- Every calculator uses the super-convenient
"compare three at once" format.
- It's FREE.
Download
TripleCalc Now!
Download
TripleCalc Now! |
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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 |
Lenders in 14 states--California, New York, Oregon, Utah, Vermont and Wisconsin and 9 others--have what in common?
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| A |
Lender in these states must pay interest on funds held in escrow accounts. |
| See More Real Estate Trivia > |
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Jolie Powell
CIPS, E-PRO, SRES, CBR, TRC
Jolie Powell Realty
406 Main Street
Port Jefferson, NY 11777
Direct: : 631-774-2528
Fax: 631-774-2528
Office:: 631-473-0420
JoliePowell@NUMBER1EXPERT.com
Jolie Powell has been a distinguished leader in the Real Estate industry since 1987. Prior to entering the world of Real Estate, Jolie had a successful career in advertising in Manhattan, New York.
Always working to be at the top of her profession, Jolie has received her Certified International Property Specialist (CIPS) designation, Certified Buyer Representative (CBR) and Senior Real Estate Specialist (SRES) designations. Jolie also serves as Director of the Multiple Listing Service of Long Island and now elected as Zone Chairperson for the MLS.
Jolie’s expertise in counseling buyers and sellers brings people together from Long Island and, indeed, from all over the world. Having lived abroad and traveled extensively, Jolie has an excellent understanding of many cultures. As a Cuban-born American, Jolie is fluent in Spanish and communicates well with domestic and international clients, as well as professionals in other fields.
Jolie is proud of the high level of trust she and her clients have established and she looks forward to continue building exceptional client broker relationships.
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