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Financing Your Home >More On ARMs

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.

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Q	What land did the U.S. Government buy for $7.2 million?
A	In March 1867, the US bought all of Russian America (Alaska) from Russia.
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Tom and Sharon Kowalchuk, REALTORŽ, real estate agents and broker for Wappingers Falls, East Fishkill and LaGrange New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Tom and Sharon Kowalchuk
Century21 Alliance Realty Group
1136 Route 9 - Suite U-1
Wappingers Falls, NY. 12590
Direct: 914-584-4135
Office: 845-297-4700, Ext 3135
Fax: 845-297-8178
Email: thomaskowalchuk@NUMBER1EXPERT.com
Over 30 years business/professional experience in marketing, contract negotiation, and customer service. Area residents for more than 20 years. Top Lister Achievement Awards. You can be assured that we will maintain the highest level of service and committment. We are members of the Dutchess County Association of Realtors, New York State Association of Realtors, National Association of Realtors and the Southern Dutchess Chamber of Commerce. We achieve a high degree of customer satisfaction through our exceptional ability to work together with other professionals to meet our clients needs. Each Century 21 office is independently owned and operated.

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