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You Were A Godsend!
The sale process with you as our agent was truly an easy experience. We liked that you kept us informed on a weekly basis at minimum, we liked that you always returned our phone calls promptly and your were always s happy to answer even the silliest of our questions?You were a Godsend and we were glad we had your knowledge and expertise.
Lorie & John Guba
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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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Due to low business and living expenses, what areas are considered to be the fastest growing in the country?
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According to recent studies, the Southern and Western regions of the U.S. are among the nation's strongest economies. |
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Carol Gilles
The Real Estate Group
3655 Torrance Blvd. Ste 420
Torrance, CA. 90503
CA DRE# 00803846
Phone: 310-540-5231
Cell: 310-864-9738
Fax: 310-792-5711
Email: carol@carolgilles.com
Carol Gilles has been in real estate in the South Bay area since 1979. She has been awarded Top Producing Agent seven years, and is a multi-million dollar producer. She guides all her clients through all of their real estate need with exceptional experience and professionalism. Carol Gilles is America's NUMBER1EXPERT™ in real estate for the Torrance area. So contact her today! DRE# 00803846
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