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| |  As top Skippack, Harleysville and Montgomery County real estate agents, we make it our business to be aware of every local home or property on the market. We even know of properties that will be available, but have yet to formally be placed on the market. We have direct access to the Skippack, Harleysville and Montgomery County area MLS (Multiple Listings Service), and also to other agents in the area and all of their listings. If you give us some idea of what you are looking for, We will personally review all our sources of real estate listing information and send you everything within your price range that matches your criteria. We can save you a great deal of time! This is a totally free service, and there is no obligation. It's part of our job to offer services like this to homebuyers.  We've created some "Quick Links" for you to be able to search for the home of your dreams.
Just click on the town, neighborhood or school district you are interested in. If you don't see what you are looking for - please contact us via the form below and we will respond immediately! Tell us what you are looking for! It's our job to know every property in Skippack, Harleysville and Montgomery County, even ones not listed online. Our personal search for you is FREE and without obligation. Please give us as many details as possible...
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 encroachment, and how might it affect a property owner?
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| A |
Encroachment, refers to the unauthorized intrusion of a building or improvement onto another person's property; it often requires a surveyor's report to support the claim. |
 See More Real Estate Trivia > |
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The Cindy Wadsworth Team
Keller Williams Real Estate
910 Harvest Drive - Suite 100
Blue Bell, PA 19422
(Each Office Independently Owned & Operated)
Direct:: 215-264-6727
Office: 215-646-2900
Fax: 215-654-6037
cindywadsworth@NUMBER1EXPERT.com
Licensed PA Realtors
Cindy Wadsworth's License #RS179964L
Harry Green's License #RS288663
Lynne Green's License #RS290351
Christina Brown's License #RS289762
Harold "Howie" Riley's License #RM420278
   
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