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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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| Q |
Where are church services held in the water each Sunday during July and August?
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| A |
At Half-Moon Bay, Ontario, worshippers gather in boats facing the natural stone pulpit, and hymnals are passed to the floating congregation by ushers in canoes. |
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Lindsay Smith
RE/MAX Spirit Inc.
21 Drew Street
Oshawa, ON L1H 4Z7
905-434-5222
Toll Free: 1-888-732-1600
Fax: 905-436-1745
lindsaysmith@NUMBER1EXPERT.com
Negotiating for over 2 decades means having gained experience from many difficult and challenging situations. I bring this experience with me to help you achieve a better price. I am continually negotiating with sales reps with lesser experience which gives my clients the opportunity to sell higher or buy lower.
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