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When We Moved Stu Found Us A Perfect New Home!
He also listed and sold our previous home in just over two weeks.
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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request my free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced.

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to me through my professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more.

Remember: As a top Elbow Valley Estates, Calgary, Springbank and Bearspaw area real estate agent, it's my job to know more about a property than any web site. Make sure you have the most current information!

Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Q	What Hollywood star made the first footprint outside Grauman's Chinese Theater?
A	Norma Talmadge accidentally stepped in wet concrete outside the building in 1927.
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Stewart J Lowe, REALTOR®, real estate agent and broker for Elbow Valley Estates, Calgary, Springbank and Bearspaw, Alberta home listings, property and land for sale - NUMBER1EXPERT(tm)

Stewart J Lowe
RE/MAX Real Estate Central
#206, 2411 - 4th Street NW
Calgary, AB T2M 2Z8
403-850-0669
Fax: 403-547-5195
StewartJLowe@NUMBER1EXPERT.com
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