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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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Originally incorporated under the name Georgiana, what is the oldest incorporated city in the United States?
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York, Maine, which received an English charter in March 1642, is the oldest incorporated city in the U.S. |
 See More Real Estate Trivia > |
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Maria Vaill
RE/MAX True Advantage
1105 Furys Lane
Martinez GA 30907
Direct Anytime: 706-955-5112
Fax: 706-364-0897
Office: 706-922-9292
mvaill@remax.net
I approach each of my client’s moves with an unshakable determination allowing them to relax while I handle every detail of their investment. With a calm demeanor and positive outlook, my goal is to handle every real estate transaction efficiently and successfully.
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