Request a Free Presentation On How I Will Market and Sell Your Home. Remember, All Real Estate Agents Are NOT Alike.  A "Listing Presentation" is an industry term for the formal presentation that a real estate agent makes to prospective home sellers, trying to earn their trust and business. Don't list your home with a real estate agent without it! I would love the opportunity to make such a presentation to you. I'll visit your Jefferson County, St. Louis County and St. Louis City home, and together we will walk through it, considering the positives and negatives (if any!). You will then see exactly how I would propose to sell your home, for as much as the market will bear, and within your time frame. I will tell you where I will advertise your home, both in print and on the web. With the dramatic growth in homebuyer usage of the web, you MUST have a top real estate agent that can extensively market your home online! And you'll find out what your Jefferson County, St. Louis County and St. Louis City home is worth, because part of my presentation will include a CMA (Comparative Market Analysis) of your home. I'll compare your home to others like it in Jefferson County, St. Louis County and St. Louis City that have recently sold, and also to others that are currently for sale. This is a very important way of determining the fair market value of your home. I make free presentations and prepare CMAs for prospective home sellers every day. I've literally done hundreds, and I know exactly what puts a big SOLD sign in your front yard. I'd love the chance to make a presentation for you. It is totally free and without any obligation. Call me! Or fill out this form... Yes, you can request a FREE in-home presentation of how I would market your property in Jefferson County, St. Louis County and St. Louis City! I do these presentations for people all the time. It's my job! There's no obligation, and I'll get back to you quickly...
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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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| Q |
Which house over 100 years old still holds the title as the largest house in the U.S.?
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| A |
The 250-room Biltmore House in Asheville, NC, built 1890-1895 at a cost of $4.4 million, is the largest house in the US. |
 See More Real Estate Trivia > |
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