Get the Latest Listings Before Anyone Else!
As soon as I list another home for sale, I'll email you. You'll know first.
Find Out More >
The Moulton Team is one of The Top Selling Real Estate Experts
Find Out More >
|
Welcome! Here You Can Find Great Information on Des Moines and Ankeny, Iowa Real Estate  Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes. Need local real estate information? We've summarized much of what is important about the Des Moines and Ankeny real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top REALTOR®. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR REALTORS®. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As top Des Moines and Ankeny REALTORS®, we have the experience and track record you are looking for. Please let us help.  
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.
|
Real Estate Trivia
| Q |
What famous $40+ million home has a 60-foot pool with underwater music and a 20-car garage?
|
| A |
The home of Bill Gates, co-founder of Microsoft, features the latest futuristic computer technology. |
See More Real Estate Trivia > |
|
|
Moulton REALTORS Moulton & Associates Realtors 1910 SW Shops Lane Ankeny, IA 50023 Phone: 515-965-7876 Fax: 515-965-7881 Cell: 515.210.3345 Email Heath: heath@weselliowa.com Email Aaron: aaron.kyle.moulton@gmail.com Email Seth: moulton.seth@gmail.com Email Justin: justinmgreenfield@yahoo.com Email Christina: christinaanderson@hotmail.com
Moulton & Associates, REALTORS is one of Iowa's largest producing Real Estate Companies serving Des Moines and surrounding suburbs. The only Number1 Expert Realtor in the Greater Des Moines area, our team specializes in offering our clients below market interest rates that allow our buyers to save thousands of dollars in monthly payments on any home they purchase. With over $300 Million in career volume and over 400 homes sold in the last 3 years, Moulton & Associates, REALTORS can help you find your next home when moving to the Greater Des Moines area.
www.MOULTONREALTORS.COM
is brought to you by The Moulton Team, real estate for
Des Moines and Ankeny, Iowa
Read The Moulton Team's
Privacy Guarantee,
Terms of Service,
and
Free & Without Obligation Pledge
|
NUMBER1EXPERT®
© Homes Media Solutions™, a division of Dominion Enterprises and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.
|