Medford real estate NJ, Marlton real estate and Moorestown real estate, New Jersey Home Listings & Homes For Sale - John Radgoski

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Financing Your Home >The Margin on an ARM

When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.

Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.

If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.

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Q	What is the world's most capacious building?
A	The Boeing Company's main aircraft assembly plant in Everett, Washington, has been expanded to a capacity of 13.4 million cubic meters, or 473 million cubic feet.
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There are some great people out there ? John being
He is a kind and caring man and very, very good at what he does....
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John Radgoski, REALTOR®, real estate agents and broker for Medford, Marlton and Moorestown New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

John Radgoski
RE/MAX PowerCentral
200 Tuckerton Road, Suite 16
Taunton Forge Center
Medford, NJ 08055
Cell: 609 922 4337
Office: 856 797 1550
Home: 856 783 8976
Fax Medford Office: 856 797 1677
Fax Voorhees Office: 856 783 7035
Email: Johnradgoski@comcast.net
John Radgoski's Area of Expertise include: Medford, Marlton, Moorestown, Mt. Laurel, Cherry Hill and Voorhees. John’s Business Career began in 1968 working with Fortune 500 companies in Sales and Marketing and through 25 years rose to the V.P. level representing major companies on a National level. Having a solid business background, John expanded his horizons to become self-employed within the Real Estate Industry. John has been an extraordinary performer since he began his career in Real Estate in 1992. His notable accomplishments include being named “Rookie of the Year” for securing the highest number of listings, listings sold and sales, during his first year in the business. He is a member of the RE/MAX 100% Club, Diamond Club, Executive Club, Presidents and Platinum Clubs. In addition, John has been a consistent member of the New Jersey Million Dollar Club for the past 13 years. Since 1992 John has been recognized as a Top Producer reaching the top 1% of Real Estate Professionals, securing more sales production than 99% of his counterparts. The commitment to his business interest is evident as John is the Principal Owner of RE/MAX PowerCentral, a Real Estate Firm dedicated to assisting Buyers and Sellers as well as hiring other Real Estate Professionals who have exceeded industry expectations to provide a Superior Level of Service. “A financial investment in my company assures you of my full attention. I believe that Real Estate is a service business and you are the client. Client satisfaction includes my written guarantee. I look forward to sharing my industry and market knowledge with you.” Additional Support is provided to Buyers through Secure Title of NJ, insuring the ownership of purchased properties. John is a major Share Holder and instills the high standards of Real Estate in the Title Company. Overall, John states that the past 16 years have been rewarding, accomplished, and productive in terms of Personal and Professional Success……………

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