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Allyson Hoffman, REALTORŪ, real estate agent and broker for Chicago North and Chicago Northwest Suburbs home listings, property and land for sale in Northern Illinois NUMBER1EXPERT(tm)
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Moving Tips
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There are so many aspects to consider when moving. I am happy to help with tips. Please feel free to make use of any of the eBooks and reports featured on this page.  

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 Moving with children can be fun.  This informative e-book will give you some great tips to help make the transition for your children go smoothly.

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Moving your pet can be a challenge since they do not understand exactly what is going on, but this great e-book explains how you help your pets adjust.

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 Ready to sell your home?  The tips offered in this detailed guide on selling your home faster is just what you need.

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 When moving you need to be organized and know exactly how to make everything go smoothly.  Here are the TOP 20 Tips in Moving.

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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.

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Real Estate Trivia
Q 
Where will you find the world's largest indoor waterfall?

A 
The lobby of the International Center in Detroit, Michigan has a waterfall of 114 feet, backed by 9,000 square feet of marble.
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Allyson Hoffman, REALTORŪ, real estate agent and broker for Chicago North, Northwest Suburbs and Northern Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Allyson Hoffman
RE/MAX North Chicago Suburbs Real Estate

1240 Meadow Road
Northbrook, IL. 60062
Toll Free: 800-882-8409 x 999
Direct: 847-849-8016
Fax: 847-400-0881
Email: Allyson@AllysonHoffman.com

Allyson "Excellence in Action" Hoffman is a consistent TOP PRODUCER committed to constant improvement, serving clients with integrity and making a difference in the Real Estate Industry. Her work ethic involves maintaining clients for life. RE/MAX International Hall of Fame. Contact Allyson for excellence! Specializing in Chicago North Suburbs and Chicago Northwest Suburbs in Northern Illinois. Allyson Hoffman is licensed in the State of Illinois.

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