Overland Park, Lenexa and Olathe real estate and homes for sale in Kansas, new construction, investment properties - the johns family team, REALTORS® the johns family team REALTORS(r) for Overland Park, Lenexa and Olathe, Kansas real estate, new construction, investment properties - NUMBER1EXPERTS™ the johns family team NUMBER1EXPERTS(tm) for Overland Park, Lenexa and Olathe, Kansas real estate, new construction, investment properties
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the johns family team delights in offering star spangled service. We would love the opportunity to partner with you...call us at 913.906.5454 today.


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Resources: Overland Park, Lenexa and Olathe Kansas home buying, real estate listings, and homes for sale in Wyandotte County, KS
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Special Offers: Special offers for Overland Park, Lenexa and Olathe homeowners from the johns family team, top Realtors
Affiliates: the johns family team's real estate web site affiliates
eNewsletter: the johns family team's Overland Park, Lenexa and Olathe newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, Kansas, and United States
Market Conditions Report: Market conditions report for this area, Kansas, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Overland Park, Lenexa and Olathe Kansas mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Kansas or buy your own Overland Park, Lenexa and Olathe house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Overland Park, Lenexa and Olathe mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Kansas real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask the johns family team anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: the johns family team's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: the johns family team's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Overland Park, Lenexa and Olathe property in Kansas, including legal terms definitions, and more

 

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Real Estate Tips
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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Real Estate Trivia
Q 
Which islands are considered the largest islands in the US?

A 
The Hawaiian Islands with 10,456 square miles are followed by Kodiak Island in Alaska at 9,510 square miles.
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the johns family team, REALTORŪ, real estate agents and broker for Overland Park, Lenexa and Olathe Kansas home listings, property and land for sale - NUMBER1EXPERT(tm)

the johns family team
Keller Williams Partners, Inc.

11005 Metcalf
Overland Park, KS 66210
Tel: 913.906.5454
Tel: 913.710.4663
Toll-Free: 800.366.5839
Fax: 913.744.2640
Email: jft@kw.com

When you partner with the johns family team, you become our star. Our mission is "To have a positive impact on those we touch" with a vision "To be your realtors of choice." Our 'family' is devoted to providing yours with star spangled service.

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Keller Williams Partners, Inc. real estate and homes for sale in Overland Park, Lenexa and Olathe Kansas



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