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Dear Sarah and Mal, Now that the holidays are over, I want to take a moment to thank both you
Lois Mattson
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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 is the busiest airport in the world?
A	According to the Airports Council International, the Hartsfield International Airport in Atlanta, Georgia is currently the busiest airport in the world, serving 76.87 million passengers per year.
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"The A Team", REALTORŽ, real estate agents and broker for Bonita Springs, Fort Myers and Naples Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

"The A Team"
John R Wood, Inc. Realtors
26269 S Tamiami Trail
Bonita Springs, FL 34134
Sarah Cell: 239-398-8333
Mal Cell: 239-398-9908
Fax: 239-390-0876
sarahandmal@NUMBER1EXPERT.com
The A Team MAL GRIFFIN, GRI, & SARAH THOMPSON, PA, ABR, REALTORS Committed to A Level Service to All of Our Clients. ..... We have been living and working in paradise--the greater Naples, Bonita Springs, Estero & Fort Myers area--for 17 years. We love our sunny, breezy, subtropical home and we think you will too! We encourage you to use our Online Resource Center to become familiar with the many benefits of living in Southwest Florida. You will find links to Southwest Florida cultural, sports, and governmental sites, the Best Schools site, and you can search the entire Multiple Listing Service right from our web site! ..... Then, when you are ready, we will help you experience the REAL thing, the charm and sophistication of Southwest FloridaIts truly hard to beat! ..... Committed to A Level Service to All of Our Clients ..... Whether your goal is to find your first Southwest Florida dream home, or to move on to another, Mal and Sarah and The A Team will implement an energetic and effective plan to accomplish your goals. With dedication, integrity, and experience, we will give you the information you need to make the right decision on purchasing or selling in Paradise..... We have built our successful real estate practice one friend at a time, by listening and treating our customers as we want to be treated--with patience, loyalty and caring. AND RESULTS COUNT!

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