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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. See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  Who is "Freddie Mac", and why is he a big name in real estate? A  "Freddie Mac" is the nickname for FHLMC, the Federal Home Loan Mortgage Corporation, which buys mortgages from lending agencies, thus allowing lenders to continually replenish funds for new mortgage loans. See More Real Estate Trivia >

DOTTIE AND COMPANY Realty Executives 5297 Old Hwy 11, Suite 5 Hattiesburg, MS 39402 Dottie: 601-606-0178 Fax: 601-268-1652 DOTTIEANDCOMPANY@NUMBER1EXPERT.com RealtorDottie@comcast.net DOTTIE AND COMPANY: "Moving Hattiesburg Real Estate - ONE client at a time!" We're here to help YOU with all your Real Estate needs. Contact us today...Let our EXPERIENCE and ENERGY work for you. DOTTIE AND COMPANY: "Moving Hattiesburg Real Estate - ONE client at a time." www.dottiefarris.com is brought to you by DOTTIE AND COMPANY NUMBER1EXPERT™ in real estate for Hattiesburg, Oak Grove and Petal, Mississippi Read DOTTIE AND COMPANY'S Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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