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Testimonials: Annapolis, Bowie and Anne Arundel County Maryland home buying, real estate listings, and homes for sale in Anne Arundel County, MD

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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	Which U.S. hotel has more fountains than any other hotel in the world?
A	The Bellagio Hotel in Las Vegas, Nevada has more than 1,000 fountains embellishing an 11+ acre artificial lake.
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Jannie Meares, REALTORŽ, real estate agent and broker for Annapolis, Bowie and Anne Arundel County Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Jannie Meares
RE/MAX LEADING EDGE
1360 MAIN CHAPEL WAY
GAMBRILLS, MD. 21054
Direct: 240-832-3305
Main: 410-721-9600
Cell: 240-832-3305
Fax: 410-741-3318
Email: janniemeares@NUMBER1EXPERT.com
Email: drmeares@hotmail.com
Jannie Meares CRS,ABR,NEW HOMES SPECIALISTS,LUXURY HOME SPECIALISTS,RE/MAX INTERNATION HALL OF FAME,PRESIDENT'S CLUB,100%CLUB is a licensed REALTOR in MARYLAND,WASHINGTON,DC AND VIRGINIA. Virginia. She has a long list of accomplishments and awards in the real estate industry. That is because she has lived in the Washington DC Metro area with her family for over 30 years and has acquired versatile and extensive knowledge of this unique and exciting market. She combines that understanding and training and tempers it with strong motivation to work closely with you to meet your specific needs, no matter where you desire to call home in the DC Metro area. Please contact Jannie today to get a jumpstart on finding your dream home!

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