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Real Estate Resources:

• Special Offers - Special offers for Columbia, Ashland and Boone County homeowners from Jeri Lou Shindler & Associates.

• Affiliates - Jeri Lou Shindler & Associates' real estate web site affiliates.

• eNewsletter - Jeri Lou Shindler & Associates'Columbia, Ashland and Boone County newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, Missouri, and United States.

• Market Conditions Report - Market conditions report for this area, Missouri, 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 Columbia, Ashland and Boone County, Missouri mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Missouri or buy your own Columbia, Ashland and Boone County house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Columbia, Ashland and Boone County 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 Missouri 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 Jeri Lou Shindler & Associates anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Jeri Lou Shindler & Associates' 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 - Jeri Lou Shindler & Associates' 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 Columbia, Ashland and Boone County property in Missouri, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Columbia, Ashland and Boone County Homes, For Home Buyers, For Home Sellers, Columbia, Ashland and Boone County Information, Real Estate Resources, and About Jeri Lou Shindler & Associates.

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Financing Your Home >ARMs Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated. Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan. See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  How can you give your home the equivalent of sunglasses? A  Install low "E" squared glass filters sunlight, saves on energy costs and prevents fading of furniture, drapes and carpets. See More Real Estate Trivia >

Jeri Lou Shindler & Associates House of Brokers Realty, Inc. 1515 Chapel Hill Road Columbia, MO 65203 Cell: 573-864-8190 Fax: 573-446-5408 jeriloushindler@NUMBER1EXPERT.com jlshindler@aol.com www.JeriLou.com is brought to you by Jeri Lou Shindler & Associates NUMBER1EXPERT™ in real estate for Columbia, Ashland and Boone County, Missouri Read Jeri Lou Shindler & Associates' Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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