|
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 973-615-0786.
|
Get Free Presentation On My Home Marketing.
Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.
Find Out More >
View All Offers >
|
"Competent and Professional"
"Hilary was most diligent in her efforts to sell the house...I would not hesitate at all to recommend Hilary Gilles."
-Maureen Skrapits, Spring Lake, NJ
Read Quote >
View All Quotes >
|
 Compare
three mortgages at one time. Download TripleCalc now. It's
free. |
Hilary Gilles
is one of The Top Selling Real Estate Experts™
Find Out More > |
|
|
|
Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Hilary Gilles, a proven Summit, South Orange and Short Hills, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Find Summit, South Orange and Short Hills Homes - Find Summit, South Orange and Short Hills, New Jersey real estate listings & homes for sale provided by Hilary Gilles, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Hilary Gilles, a proven Summit, South Orange and Short Hills, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. 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 Hilary Gilles, a proven Summit, South Orange and Short Hills, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Summit, South Orange and Short Hills Information - Find local information on Summit, South Orange and Short Hills, New Jersey including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Hilary Gilles, a proven NUMBER1EXPERT™ Top Selling real estate agent. 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 Hilary Gilles, a proven Summit, South Orange and Short Hills, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. About Hilary Gilles - Information about Hilary Gilles including testimonials, guarantees, credentials, and contact information. Learn why Hilary Gilles is a proven Summit, South Orange and Short Hills, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. 
Please Sign Up For The Latest Listings and the Latest Real Estate News
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.
|
 |
| Q |
What is the average age range of a second-home buyer in the United States?
|
| A |
Currently, second-home buyers in America are most often between 41 and 44 years of age. |
 See More Real Estate Trivia > |
|
NUMBER1EXPERT™
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed. |
- NUMBER1EXPERT™ 
