Sitemap: Home Selling in Cedar Rapids, Marion and Robins, Iowa - Get Expert Advice From Heather Morris Realty Consulting

Being Cedar Rapid's Listing and Selling Expert since 1993 by exceptional care and service. Kindly call me at: 319-350-SOLD.

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For Home Sellers:

Why Sellers Choose Heather Morris Realty Consulting - Why home sellers in Cedar Rapids, Marion and Robins choose Heather Morris Realty Consulting.
Free Presentation - Free in-home listings presentation on marketing your Cedar Rapids, Marion and Robins, in Linn County Iowa property.
Property Valuation - How much is your Cedar Rapids, Marion and Robins home worth?
What Did That Home Sell For? - What did that Cedar Rapids, Marion and Robins, Iowa property or other real estate sell for?
FSBO - Selling your Cedar Rapids, Marion and Robins real estate on your own?
Notes From Heather - A few notes from Heather Morris
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Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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Q	Where is the world's largest bridge located?
A	Lake Pontchartrain Causeway at New Orleans, Louisiana is the world's largest bridge. It is almost 24 miles long.
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Heather Morris Realty Consulting, REALTOR®, real estate agents and broker for Cedar Rapids, Marion and Robins, Iowa home listings, property and land for sale - NUMBER1EXPERT(tm)

Heather Morris Realty Consulting
Skogman
341 8th Avenue
Marion, IA 52302
Mobile: 319-350-SOLD
Fax: 319-373-0702
HeatherMorris@NUMBER1EXPERT.com
heather@skogman.com
Whether you are buying your first home or building your dream. Heather Ahrens will ensure that your best financial interest is protected. With her high volume of transactions and advanced training, she is named a Certified Residential Specialist in the top 4% of the nation’s realtors. With Heather Ahrens and her real estate team, you will have an enjoyable experience. Let Heather provide you with excellence in real estate.

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