Gatlinburg, Pigeon Forge and Sevierville real estate and homes for sale in Tennessee - Delores A. White - REALTOR®

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Real Estate Tips

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.

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Real Estate Trivia

Q	What is the average age of a first-time homebuyer in the United States today?
A	The average age of a first-time U.S. home buyer is 32 years.
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Delores A. White, REALTOR®, real estate agent and broker for Gatlinburg, Pigeon Forge and Sevierville, Tennessee home listings, property and land for sale - NUMBER1EXPERT

Delores A. White
Thompson Carr Real Estate LLC
1148 Wagner Dr. Suite 101
Sevierville, TN 37682
Delores Mobile Office: 865-850-4264
Fax: 865-774-5358
Office: 865-774-5338
Lisa's Mobile: 865-654-8280
deloreswhite@NUMBER1EXPERT.com
deloresawhite@cs.com
lisarhatcher@gmail.com
When choosing The Delores A. White Team as your Realtor, you will be getting agents with over 20 years combined experience, recognized with honors, a Certified Resort Property Specialist, a Certified Accredited Buyers Agent, A Certified Short Sale And Foreclosure Specialist and a Top Producer in the entire Mid-South Region.

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