Round Rock, Austin and Georgetown real estate and homes for sale in Texas - Russell Phillips, REALTOR® Russell Phillips REALTOR(r) for Round Rock, Austin and Georgetown, Texas real estate - NUMBER1EXPERT™ Russell Phillips NUMBER1EXPERT(tm) for Round Rock, Austin and Georgetown, Texas real estate
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Russell Phillips, REALTOR®, real estate agent and broker for Round Rock, Austin and Georgetown Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

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Testimonials: Round Rock, Austin and Georgetown Texas home buying, real estate listings, and homes for sale in Williamson and Travis County, TX
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“Russell, where do we start? Courtney and I appreciate everything that you helped us with from start to finish in making our dreams a reality of owning our first home. You have been more helpful than you will ever know and will receive our referral from anyone that we know looking for a new home.”  

Justin & Courtney Lawhorn

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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 
What structure is regarded as the best surviving example of Pennsylvania Dutch architecture?

A 
The Georg Muller House in Milbach, PA, built in 1752.
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Russell Phillips, REALTOR®, real estate agent and broker for Round Rock, Austin and Georgetown Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Russ Phillips
Keller Williams Realty

823 S. Austin Avenue
Georgetown, TX. 78626
512-698-RUSS (7877)
512-868-1771 x182
Fax: 512-233-2250
Email: homes@russ-phillips.com

In his first year as a residential real estate agent, he was awarded the prestigious title of “Rookie Realtor of the Year” from both Moreland Properties AND his Board of Realtors. The very next year, he came up just shy of being the Top-Producer in his office! His background also includes development, with a beautiful lakefront project. In addition, he currently serves as a Planning and Zoning Commissioner. Russell attributes his success to a solid work ethic, an understanding of the market, and the care and concern he holds for each client in a very personal transaction.

Equal Housing GRI REALTOR


Keller Williams real estate and homes for sale in Round Rock, Austin and Georgetown Texas

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