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For Buyers: Scotch Plains, Fanwood and Westfield New Jersey home buying, real estate listings, and homes for sale in Union County, NJ

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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	What four states in the Southwest are noted for having boundaries that touch.
A	New Mexico, Arizona, Utah and Colorado, referred to as the "Four Corners", have adjoining boundaries.
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Gina Suriano Barber, REALTORŽ, real estate agent and broker for Scotch Plains, Fanwood and Westfield New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Gina Suriano Barber
Coldwell Banker Residential Brokerage
209 Central Avenue
Westfield
New Jersey 07090
office: 908-301-2012
fax: 862-345-2936
mobile: 908-917-4577
ginasurianobarber@NUMBER1EXPERT.com
Gina Suriano Barber...Exceeding Expectations!
Gina is a top producer serving Union, Middlesex, and Somerset Counties. A lifelong resident of Union County, Gina specializes in the Westfield and Scotch Plains areas.
Real estate sales are proactive. Its not just putting a sign in the ground or waiting for the phone to ring. I offer my clients a competitive edge by staying abreast of the latest market trends and industry offerings. I stay in constant touch with my clients either directly or through the use of technology. You can be confident of my area knowledge and negotiating abilities with over 20 years of real estate experience, and over $10 million in sales annually. I can assist you with relocation, FHA,VA, foreclosures, and short sales, too. In an industry that recognizes high levels of achievement, I have been awarded numerous designations demonstrating my success. I have chosen Coldwell Banker Residential Brokerage as my company as it maintains my similar high standards. With products and services exceeding expectations, I can offer you the ultimate advantage - a top professional and the areas premier real estate company.

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NUMBER1EXPERT™ in real estate for Scotch Plains, Fanwood and Westfield, New Jersey

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