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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	Which estate has two pools--one on the east side for the morning sun and one on the west for afternoon enjoyment?
A	The former estate of John Lennon in Palm Beach has two pools plus guest quarters.
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Paul Cuttic, REALTORŽ, real estate agent and broker for Wayne, King of Prussia and Devon Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Paul Cuttic
RE/MAX Executive Realty
321 W. Lancaster Avenue
Wayne, PA 19087
610-977-5005
610-977-5000
610-688-8189
Fax: 610-977-5004
Email: PaulCuttic@NUMBER1EXPERT.com
Personalized service, knowledge of the marketplace, dedication and years of experience has set Paul apart from other agents. A Real Estate professional since 1979, Paul is among the industries most elite group having been inducted into the RE/MAX International Hall of Fame in 1999. This distinguished group is regarded as the most successful in the entire Real Estate industry. Building relationships through professionalism, integrity and sensitivity has been the key to his success. As an acative participant in the local King of Prussia, Wayne and Devon communities, Paul's expertise is unsurpassed and will serve you well whether you are a Buyer or Seller. Call or email Paul for a professional Real Estate consultation today.

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