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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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Q	How can you give your home the equivalent of sunglasses?
A	Install low "E" squared glass filters sunlight, saves on energy costs and prevents fading of furniture, drapes and carpets.
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Sargeant Team, REALTORŽ, real estate agents and broker for Edmond, Oklahoma City and Nichols Hills Oklahoma home listings, property and land for sale - NUMBER1EXPERT(tm)

Rowell Sargeant of the Sargeant Team
Keller Williams Realty Edmond
10 East Campbell
Edmond, OK 73034
Cell Phone: (405) 830-4849
Fax: (866) 217-8959
Office: (405) 330-2626
Email: rowellsargeant@NUMBER1EXPERT.com
Since 1974 I have been selling and finding homes for wonderful people across three states. After 30 years in real estate, I hold the expertise of the CRB, CRS, and GRI professional real estate certifications. My knowledge and wisdom will serve you well if you are buying or selling a home. Please contact me and it will be my pleasure to serve you.

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