Read What People Are Saying About Us!
I always ask my clients to write or email me, and tell me truthfully how they appreciated my service to them. Their feedback is so important! Here are a few highlights of what people are saying about me...
"Should we need the services of a Realtor in the future, we know who we will call!"
Ray and Wally Ginn
“Could not have asked for a better agent..."
Roy and Saundra Richey
"Suzette and David have gone way beyond what is expected of a Realtor..."
Fred and Sharon Wilharm
“Thank you Suzette for everything! You were such a blessing to us.”
Scott and Lynette Johnson
“Suzette and David are real professionals. I am a former broker/owner in Florida– I know.”
Betty Strong Lakos
“Suzette was a delight to work with, and made us feel at ease and welcome in Tennessee..."
Pauline Sloane
“We can’t say enough good things about Suzette, David, and all those who assist them..."
Tommy and Melinda Yessick
“I just had to tell you both how much I appreciate the time you take to think of others..."
David Snowden, Ph.D.
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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 |
The upper walls of what famous holy temple are lined with gold?
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| A |
The Golden Temple in Amritsar, India is the most sacred temple and spiritual center of the Sikhs. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
