Charles Town, Harpers Ferry and Shepherdstown real estate and homes for sale in West Virginia, new construction - Linda Kilroy, REALTOR® Linda Kilroy REALTOR(r) for Charles Town, Harpers Ferry and Shepherdstown, West Virginia real estate, new construction - NUMBER1EXPERT™ Linda Kilroy NUMBER1EXPERT(tm) for Charles Town, Harpers Ferry and Shepherdstown, West Virginia real estate, new construction
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Linda Kilroy, REALTOR®, real estate agent for Charles Town, Harpers Ferry and Shepherdstown West Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)



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Real Estate Tips
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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Real Estate Trivia
Q 
What real estate term was first used in the 19th century and means "a high-flying flag on a ship"?

A 
Skyscraper was first used in the 1880s when office buildings of 10 stories or more were built in Chicago and New York.
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Linda Kilroy, REALTOR®, real estate agent and broker for Charles Town, Harpers Ferry and Shepherdstown West Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Linda Kilroy
ERA Liberty Realty

1018 Jefferson Avenue
Charles Town, WV. 25414
Office: (304) 725-1145
Cell: (304) 671-1075
Fax: (304) 728-2102
Email: LindaKilroy@NUMBER1EXPERT.com
Email: linda.kilroy@era.com

Put Linda's teams local expertise to work for you. They are committed to providing the individualized attention that each person requires. With their personal “Can do” attitude, watch Linda's Team go the extra mile for you!

ABR CDPE CRS Equal Housing MLS REALTOR


ERA Liberty Realty real estate and homes for sale in Charles Town, Harpers Ferry and Shepherdstown West Virginia

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