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Read What Some Of Our Clients Are Saying About Us 

What makes these comments even more special is they were all unsolicited... 

"A much overdue thank you."

"Susan & Bill K."
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"A real professional"
"you've helped make an unpleasant, difficult time a little easier to get through"

"Carol M."
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"Always top of the line"
'We can't tell you how thankful we were that you were our realtor"

"Larry & Georgia H."
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"Could not have done it without your help"
"I certainly do wish you the best in the real estate business and will recommend you to anyone"

"Michael C."
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"Couldn't have done it without you"
"You really went above & beyond the call of duty"

"Alison & Dave S."
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"extreme courtesy and professionalism"
"We could not have asked for better representation"

"Jennifer & Varick R."
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"It really helped to know you were there"

"Valerie & Rick B."
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"Thanks"
"Thank you for all your work, dedication and patience"

"Alex & Irene C"
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"We appreciate your no pressure approach"
"Thanks so much for your hard work"

"Chris & Margaret G."
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"We are very happy here"
"You were so patient and understanding"

"Robert & Roberta D."
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"We can't thank you enough."
"You were always so patient"

Dan & Lori D.
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"You were the only thing keeping us sane."
"It was all worth it."

"Corbin & Kendra W."
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School Reports in Clinton, Hunterdon County and Warren County, New Jersey
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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 
What home is the best example of colonial architecture in homes designed to "grow" as the family grew?

A 
The House of the Seven Gables in Salem, MA, that was the model for Nathaniel Hawthorne's novel of the same name.
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David Witt and Kerry Cahill-DeFuccio, REALTOR®, real estate agent and broker for Clinton, Hunterdon County and Warren County New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

David Witt and Kerry Cahill-DeFuccio
Weichert Realtors

9 West Main Street
Clinton, NJ 08809
Tel: 908-447-2006
Fax: 908-537-9913
Email: davidandkerry@NUMBER1EXPERT.com

David Witt and Kerry Cahill-DeFuccio share the common goal of delivering superior service to every one of our clients every time. Our unparalleled dedication to our clients� best interests, whether buying or selling a home, is what sets us apart from our competitors. In this fast changing real estate environment it is more important than ever to have the best representation possible. Contact us today so that we can show you how our award winning, top producing team can help you achieve your real estate goals.

Equal Housing MLS REALTOR


Weichert Realtors


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