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Janet Holden, REALTORŽ, real estate agent and broker for Fauquier, Culpeper and Orange Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

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Welcome! Here You Can Find Great Information on Fauquier, Culpeper, Orange, Madison and Rappahannock Real Estate!

Looking for homes? Search everything the web has to offer, right here! On the left, you can search my listings or all local MLS listings. You can also go directly to two local new homes/condos websites.

Need expert advice? No web site, large or small, can take the place of a top Realtor. Not even mine! Call Janet or Pam today.
Janet cell: 540-672-8624
Pam cell: 703-618-6036

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR Realtor. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a top Piedmont Area Realtor, we have the experience and track record you are looking for. Please let us help.

- Janet Holden and Pamela Eng

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 bizarre post-midnight pageant celebrated the great transformation in Manhattan architecture during the 1920s?
A	Beaux-Arts Architects' Ball (January 23, 1931) at the Hotel Astor commemorated the end of the first skyscraper age.
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Janet Holden
Century 21 New Millennium
601 South Main Street
Culpeper, VA 22701
Office: (540) 825-1613 ext. 236
Office: 800-66-JANET
Cellular: 540) 672-8624
Fax: (540) 825-3890
Email Janet: JanetHolden@theholdengroup.com
Email Pam: pamelaj05@hotmail.com

Janet Holden, Associate Broker, The Holden Team at Century 21 New Millennium. #33 - National Ranking - 2008 #5 - Mid Atlantic States - 2008 CENTURY 21 NEW MILLENNIUM Janet earned this honor by consistently providing her clients with service beyond their expectations. She and her team of licensed assistants are highly experienced in residential, farm, and land development.

CRS Equal Housing MLS REALTOR

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