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You can trust me with your important referrals. I have a great track record of success as a top producer. I have the experience you are looking for. Plus I am a very web-savvy real estate agent, which is important to the majority of homeowners today. Why send a referral to anyone other than the best? This only reflects positively on you.

As you well know, top real estate agents also have a higher closing ratio. You'll have a better chance of making a sale when you send your referrals to me.

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Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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Q	What is considered one of the few remaining tax shelters in the 1990s?
A	Homeownership--property taxes on a residence or vacation home are deductible up to $1 million.
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Kevin Swift, REALTOR®, real estate agent and broker for Lawrence, Topeka and Shawnee County Kansas home listings, property and land for sale - NUMBER1EXPERT(tm)

Kevin Swift
RE/MAX Associates of Topeka
5815 SW 29th St.
Topeka, KS 66614
Phone: 785-273-1100
Fax: 785-273-9327
kevinswift@NUMBER1EXPERT.com
Kevin is often ranked in the Top 20 RE/MAX agents in the state of Kansas for number of homes sold!

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