Kingwood, Humble and Spring real estate and homes for sale in Texas, golf course properties - Connie Moreno, REALTOR® Connie Moreno REALTOR(r) for Kingwood, Humble and Spring, Texas real estate, golf course properties - NUMBER1EXPERT™ Connie Moreno NUMBER1EXPERT(tm) for Kingwood, Humble and Spring, Texas real estate, golf course properties
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Connie Moreno, REALTORŪ, real estate agent and broker for Kingwood, Humble and Spring Texas home listings, property and land for sale - NUMBER1EXPERT(tm)






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Real Estate Tips
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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Real Estate Trivia
Q 
What does the common acronym FSBO (pronounced fizzbo) stand for?

A 
For Sale By Owner. (Between 85 to 95% of existing homes are sold with a Realtor's help.)
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Connie Moreno, REALTORŪ, real estate agent and broker for Kingwood, Humble and Spring Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Connie Moreno
Houston Preferred Properties LLC

1306 Kingwood Drive
Kingwood, TX. 77339
888-872-3815
Direct: 281-359-2593
281-433-2766
Fax: 281-358-1791
Email: conniemoreno@NUMBER1EXPERT.com

Helping to find and sell homes for my clients over the past 30 years has given me the opportunity to help clients with all of their Real Estate needs. I have a following of satisfied clientele and have made many new friends. My areas of specialization are: Northeast, Champions, The Woodlands, Humble, Kingwood and the Houston Area. I have a Multi-Million Dollar Producer with Life Membership in The Million Dollar Club and am fluent in Spanish. I also have the titles of Certified Homefinding Specialist and Certified Homemarketing Specialist. Offering a Free Relocation Package anywhere in the World. New Homes - Resale - Foreclosures - Leases

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