Claremont, Upland, and Rancho Cucamonga real estate and homes for sale in California - Karen Angona, REALTOR® Karen Angona REALTOR(r) for Claremont, Upland, and Rancho Cucamonga, California real estate - NUMBER1EXPERT™ Karen Angona NUMBER1EXPERT(tm) for Claremont, Upland, and Rancho Cucamonga, California real estate
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Karen Angona, REALTORŪ, real estate agent and broker for Claremont, Upland, and Rancho Cucamonga California home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
Financing Your Home >Watch Your ARMs Length

Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.

First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.

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Real Estate Trivia
Q 
On what famous American street can you find the most expensive retail space for rent anywhere in the world?

A 
Fifth Avenue, New York City, U.S.A. offers retail space for rent at the rate of $580 per square foot.
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Karen Angona, REALTORŪ, real estate agent and broker for Claremont, Upland, and Rancho Cucamonga California home listings, property and land for sale - NUMBER1EXPERT(tm)

Karen Angona
Century 21/Prestige Properties

255 W. Foothill Blvd. Suite 100
Upland, CA 91786
Direct Line: 909-920-4625
Cell: 909-732-3910
Fax: 909-982-8610
Email: karen@karenangona.com

Karen Angona is a top-producing associate-broker with Century 21/Prestige Properties. If you choose Karen, you will have the advantage of a sales person with 25 years real estate experience in the Inland Empire as well as individualized, quality service. Karen stays informed with the technological and real estate market changes. She loves the Foothill Communities area that is nestled at the base of Mount Baldy and The San Bernardino National Forest. Karen has a unique combination of experience and enthusiasm, which she shares with her clients. Her motto is "Call Karen and Start Packing. License#0401984

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