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)
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Real Estate Tips
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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Real Estate Trivia
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What five basic components of a "smart home" can be controlled by technology?

A 
Lighting and window treatments, security and access control, data communication, environmental/energy management, and audio/video entertainment can all be operated by a "smart home".
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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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