real estate and homes for sale in - - REALTOR® REALTOR® Logo - NUMBER1EXPERT® NUMBER1EXPERT™ Logo
is one of The Top Selling Real Estate Experts™
Find Out More >
Resources: Powhatan County and Western Richmond Virginia home buying, real estate listings, and homes for sale in Powhatan County, VA
Welcome > Main Sitemap > Resources ...

Real Estate Resources:

  • Special Offers - Special offers for homeowners from .

  • Affiliates - real estate web site affiliates.

  • Mortgage Calculator - Quickly calculate how much your monthly and total payments will be with this calculator provided by Homes.com.

  • Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

  • Ask Anything - Ask anything real estate.

  • NUMBER1EXPERTS - List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

  • Real Estate Tips - realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

  • Real Estate Trivia - collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

  • Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your property in , including legal terms definitions, and more.

  • Go to Main Sitemap - Main sitemap sections include Find Homes, For Home Buyers, For Home Sellers, Information, Real Estate Resources, and About .

 

Please Sign Up For The Latest Listings and the Latest Real Estate News 

*Your Name:
*Your Email Address:
Send Latest Listings: What is this?
Send Latest News: What is this?

Your Message or Comments:
* Please note that fields marked with an asterisk are required.


Email Me With Confidence
Quick Response Guarantee >
I Guarantee Your Privacy >
Free & Without Obligation >


Real Estate Tips
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.

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

Real Estate Trivia
Q 
What is the busiest airport in the world?

A 
According to the Airports Council International, the Hartsfield International Airport in Atlanta, Georgia is currently the busiest airport in the world, serving 76.87 million passengers per year.
See More Real Estate Trivia >

Testimonials

Thank you again
“We want to thank you so very much for all you’ve done..."
Thomas and Margaret
Read Quote >
View All Quotes >

Latest Listings

Get the Latest Listings Before Anyone Else! As soon as I list another home for sale, I'll email you. You'll know first.
Name:
Email:
Find Out More >

From Our Affiliates

Coming Soon
Find Out More >

Latest News

Name:
Email:
Why Sign Up? >



Hank Cosby, REALTOR®, real estate agent and broker for Powhatan County and Western Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Hank Cosby
Hank Cosby Real Estate
3812 Old Buckingham Road
Powhatan, VA. 23139
Phone: (804) 598-2875
Fax: (804) 598-2833
Email: hank@hankcosby.com

Hank Cosby and his team know the Powhatan and Richmond areas well. You deserve their expertise, knowledge, and commitment on your side. Please do not hesitate to contact Hank and his team for more information.

Equal Housing MLS REALTOR


www.hankcosby.com is brought to you by Hank Cosby
NUMBER1EXPERT™ in real estate for Powhatan County and Western Richmond, Virginia

Read Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge



USA and Canada Real Estate - NUMBER1EXPERT
NUMBER1EXPERT®
© Homes Media Solutions™, a division of Dominion Enterprises and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.




  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from a , NUMBER1EXPERT(S) Top Selling real estate agent(s). Contact today!

  • Find Homes - Find , real estate listings & homes for sale provided by , your local expert real estate agent(s).

  • For Home Buyers - Get home buying information, the latest listings, mortgage information, expert advice, and much more from , a , NUMBER1EXPERT(S) Top Selling real estate agent(s).

  • For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from , , NUMBER1EXPERT(S) Top Selling real estate agent(s).

  • Information - Find local information on , including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by , NUMBER1EXPERT(S) Top Selling real estate agent(s).

  • Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from , , NUMBER1EXPERT(S) Top Selling real estate agent(s).

  • About - Information about including testimonials, guarantees, credentials, and contact information. Learn about NUMBER1EXPERT(S) Top Selling real estate agent(s) like in the , area.

Return to Top >