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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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What might happen to the Empire State Building in extreme weather?
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The Empire State Building can sway several feet to either side when buffeted by a severe windstorm or rainstorm. |
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Chuck and Angela Fazio
OWNERS/BROKER
West USA Realty Revelation
Top 1% in the Nation!
4050 S Arizona Av #4 , Chandler, AZ 85248
Phone: 480-570-8020
Office: 480-722-9800
Fax: 480-722-9833
Email: chuckfazio@NUMBER1EXPERT.com
Chuck and Angela Fazio are Owners/Broker of one of the Top Real Estate Companies in Arizona. Having an outstanding career in Real Estate, they've handled virtually every type of challenge during transactions and understand how to give impeccable custom service. Having clients from first time homebuyers to Multi- Million dollar Estates, you can't be in better hands for any Real Estate transaction. Some of their many accomplishments are Top 1% in the Nation, AZ Business Journals Top 10, West USA Realty's #1 Agents from 2002, West USA Realty's #1 Team, Members of the Presidents Circle and featured on numerous TV Shows about Real Estate.
These are only a few of the reasons why so many people wouldn't trust their Real Estate needs with any other agent or company.
Chuck and Angela have founded their company and their business on strong beliefs and are committed to your complete satisfaction.   
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