Salem and Keizer real estate and homes for sale in Oregon, Investment property, and first time home buyers - Marie Hoskins, REALTOR® Marie Hoskins REALTOR(r) for Salem and Keizer, Oregon real estate, Investment property, and first time home buyers - NUMBER1EXPERT™ Marie Hoskins NUMBER1EXPERT(tm) for Salem and Keizer, Oregon real estate, Investment property, and first time home buyers
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Marie Hoskins, REALTORŪ, real estate agent and broker for Salem and Keizer Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why we are top real estate experts. Call us: 503-945-0263.


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Unique and Luxury Homes: Salem and Keizer Oregon home buying, real estate listings, and homes for sale in Marion                         County, OR
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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!
 

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request our free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced. 

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to us through our professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more. 

When you click on any link above, you'll see your chosen site, along with a form at the bottom of your screen. Use this form to request our quick Status Report on any homes or other real estate that interests you. It's free and without obligation. 

Remember: As top Salem and Keizer area Realtors, it's our job to know more about a property than any web site. Make sure you have the most current information! 

 



Real Estate Tips
Financing Your Home >The Margin on an ARM

When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.

Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.

If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.

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Real Estate Trivia
Q 
Who is "Fannie Mae" and why is she a big name in real estate?

A 
"Fannie Mae" is the real estate industry nickname for FNMA, or Federal National Mortgage Association, the stockholder-owned corporation that purchases mortgages from mortgage lenders.
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Marie Hoskins, REALTORŪ, real estate agent and broker for Salem and Keizer Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Marie Hoskins
Prudential Estate Professionals

340 Vista Ave SE
Salem, OR. 97302
503-945-0263
1-800-255-1909 x1129
Fax: 503-315-2871
Email: MarieHoskins@NUMBER1EXPERT.com

Marie Hoskins is a top producer in the Salem area. Her sensitivity, enthusiasm, and energetic approach to home buying and selling is a key element that her client's recognize as exceptional. Every client receives the attention to detail that is necessary for a smooth transaction. Marie's goal is to exceed all of her clients expectations to such an extent that they will make her their Real Estate Consultant For Life! Call or email her today!


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