Medford Lakes, Marlton and Mount Laurel real estate and homes for sale in New Jersey - Kelly-Anne Shoaf, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 609-351-2125

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Buyers Want Your Home for as Little as Possible.
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School Reports in Medford Lakes, Marlton and Mount Laurel, New Jersey
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Medford Lakes, Marlton and Mount Laurel 



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 45,000 sq.ft. home on 5-acres on Lake Washington is described as an 'adventurous house' by its owner?

A 
The home of Microsoft's Bill Gates ($40+ million) has a wall of 24 video monitors featuring art and film and a 60-foot pool.
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Kelly-Anne Shoaf, REALTOR®, real estate agent and broker for Medford Lakes, Marlton and Mount Laurel, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Kelly-Anne Shoaf and the SJ AREA Homes Team
Keller Williams Realty

143 Medford-Mount Holly Rd
Medford, NJ. 08055
Office: 609-654-5656
Mobile: 609-351-2125
Fax: 609.654.6116
Email: kellyanneshoaf@NUMBER1EXPERT.com

I have recently collected a team of top professionals to help you through every part of your real estate transaction. As web experts, we will help you buy or sell your home with the use of powerful marketing. First-time home buyers? We love you--we will take the time to answer every question and get you the best home for the right price. Call or email us today!

Equal Housing MLS REALTOR


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