Lake Travis, Lakeway and Barton Creek Texas real estate listings, home buying, selling and relocation information

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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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Q	What island was sold to Peter Minuit by the Indians for goods valued at 60 guilders ($24)?
A	Peter Minuit arrived with a group of Dutch settlers in 1626 and purchased what is now known as Manhattan.
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The Monica Pottorff Group, REALTORŽ, real estate agents and broker for Lake Travis, Lakeway and Barton Creek Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

The Monica Pottorff Group
Capital City Sotheby's International
2802 Flintrock Trace
B-104
Austin, TX. 78738
Cell: (512) 825.8891
Office: (512) 261.0008
Fax: (512) 261.0009
Email: monica@monicapottorff.com
The Monica Pottorff Groups business philosophy is built on creating long-term relationships with our clients, and because of it, we are one of the top teams in the city of Austin, Texas. The large referral business we receive reinforces our mission to customize our services to meet each and every situation and to provide professional and personable customer service. Monica is a member of GRI, (Graduate Real Estate Institute), ePRO, (Internet expertise), and ABR, (Accredited Buyer Representative). She is also very proudly involved in numerous philanthropic organizations including Any Baby Can, the Junior League of Austin, the Ballet Austin Guild, Make-A-Wish Foundation, and Austin Childrens Shelter. We specialize in the Lake Travis and West Austin areas and in luxury, lakefront, lake view, golf course and gated communities. You are guaranteed a first class experience with the Monica Pottorff Group. Call us if you are planning to buy, sell or build residential real estate anywhere in beautiful Austin or in surrounding areas such as Dripping Springs, Cedar Park or Round Rock.

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