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Real Estate Tips
Financing Your Home >Watch Your ARMs Length

Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.

First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.

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Real Estate Trivia
Q 
What U.S. state is home to the world's richest woman?

A 
Alice Walton, daughter of WalMart's founder and heiress to $16.5 billion, lives on a ranch in the state of Texas.
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Joan Herr, REALTORŪ, real estate agent and broker for Heritage Pines, Timber Pines and Hudson, Florida home listings, property and land for sale

Joan Herr
Re/Max Marketing Specialists

13101 Spring Hill Drive
Spring Hill, FL 34609
352-686-0540
Fax: 727-868-0585
joanherr@BestIMageAgent.com


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