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Welcome > For Buyers >
Find Your Perfect Home ...
Let Us Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation. As top Fenton, St. Louis County and Jefferson County REALTORS®, we make it our business to be aware of every local home or property on the market. We even know of properties that will be available, but have yet to formally be placed on the market. We have direct access to the Fenton, St. Louis County and Jefferson County area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings. If you give us some idea of what you are looking for, We will personally review all our sources of real estate listing information and send you everything within your price range that matches your criteria. We can save you a great deal of time! This is a totally free service, and there is no obligation. It's part of our job to offer services like this to homebuyers.  Tell us what you are looking for! It's our job to know every property in Fenton, St. Louis County and Jefferson County, even ones not listed online. Our personal search for you is FREE and without obligation. Please give us as many details as possible...
Financing Your Home >More On ARMs
Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.
One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.
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| Q |
What is currently the most sought-after amenity in the majority of upscale homes?
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| A |
Technology that "enables" a home with features such as structured integrated wiring and broadband Internet access is the current amenity of choice. |
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NUMBER1EXPERT®
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- NUMBER1EXPERT 
