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Current Selection:	All Prices	All Types	All Locations	New Selection	Sorted By: Default	New Sort
<Back to Page			Property 323 of 373 Selections

504 Limberlost Trl, Decatur, IN

$114,900

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Address: 504 Limberlost Trl	City/ST: Decatur, IN	Zip Code: 46733
Property Type: Single Family Home	New or Resale: Resale	Square Footage: 1754
Bedrooms: 4	Bathrooms: 2 full, 1 half	MLS# 200913981
Property Tax: 1066.74

Very nice 4 bedroom home with 2 1/2 baths in one of Decatur's quitest additions. Property also has a large lot with many mature trees! --------------------------------------------------------------------------------

Last Updated: 11/2/2009 3:39:56 PM

Listing Agent and Office: Josh Krueckeberg, Krueckeberg Auction and Realty

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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.

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Q	What is the maximum interest you can deduct on your federal tax return to purchase or improve a first or second home?
A	One of the greatest benefits of home ownership is the federal tax deduction for interest up to, but not exceeding, $1million.
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Jerry Morrow, REALTOR�, real estate agent and broker for Fort Wayne, Woodburn and Auburn, Indiana home listings, property and land for sale - NUMBER1EXPERT

Jerry Morrow
JMO Real Estate Group
6605 E. State Blvd. Suite 2
Fort Wayne, IN 46815
Direct: 260-485-0784
Office: 260-485-0771
24 Hour Information: 800-869-9706
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Buyers and Sellers Wanted!!! BUYERS Please call (800) 869-9706 Your 24-hour information hotline or visit our website at www.jmoreg.com to learn on how to: -Purchase your new dream home with $0 money down -Get pre approved for a 5% fixed interest rate -Obtain a 1% adjustable interest rate -Simply gather general information about today�s ever changing market SELLERS Please call (800) 869-9706 Your 24-hour information hotline or visit our website at www.jmoreg.com to learn on how to: -Receive a free CMA for your home. Competitive Market Analysis -Get approved to buy a home without selling your current home -Learn how we help find prequalified Buyers to purchase your home -Simply gather general information about today�s ever changing market Call Today and see how I can Help. I Look forward to hearing from you. Sincerely, Jerry Morrow 260) 485-0784 jerry@JMOREG.com

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