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There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.
One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.
The Stinson Team North Eastern Group Realty 10808 La Cabreah Lane, Suite 101 Fort Wayne, IN 46845 Tel: 260-469-1947 Fax: 260-818-2070 Email: thestinsonteam@NUMBER1EXPERT.com
Having been founded in 1986, The Stinson Team of Realtors, Judi, Phil, Brad & Lori Stinson enjoy providing Real Estate services for our clients in the Fort Wayne metropolitan area. Our philosophy embodies conducting ourselves with the highest degree of professional integrity and quality of services for our clients. We are at the top of our marketplace, selling a home every 3 days, and have assisted more than 2500 families with their Real Estate needs. We embrace and are conversant with all facets of Real Estate, from first time home buyers to corporate & medical relocation. Across town or across the country put the Stinson Team to work for you. "When it's time for a move...Call The Stinson Team....A FAMILY helping FAMILIES"
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