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Schools in Montvale, Ridgewood, Woodcliff Lake and Pascack Valley

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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Q	What recent hit movie features a field trip scene that supposedly takes place at Columbia University in New York?
A	The scene in the movie "Spider-Man", where Peter Parker shoots photos of Mary Jane and is bitten by the spider, was actually filmed in the Museum of Natural History in Los Angeles, California.
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Ghada Abbasi, REALTOR®, real estate agent and broker for Montvale, Ridgewood, Woodcliff Lake and Pascack Valley, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Ghada Abbasi
Coldwell Banker - Ridgewood
55 North Maple Avenue
Ridgewood, NJ 07450
Cell: 201-407-6630
Ghada@njrealestate.com

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