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Call Beverly and James today at 540-825-7441. Get ready to "Come Home to Wine Country"!
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"Beverly was professional, patient and committed"
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Culpeper, Warrenton and Northern Virginia Information:
About Culpeper County - Moving to Culpeper County, Virginia? Get info here... About Fauquier County - Moving to Fauquier County, Virginia? Get info here... About Northern Virginia - Moving to Northern Virginia, Virginia? Get info here... School Reports - Reports for Culpeper, Warrenton and Northern Virginia schools kindergarten, elementary, and high schools. Relocating? - Free real estate information & relocation package if you're relocating to Culpeper, Warrenton and Northern Virginia, in Fauquier and Spotsylvania County VA. Go to Main Sitemap - Main sitemap sections include Find Culpeper, Warrenton and Northern Virginia Homes, For Home Buyers, For Home Sellers, Culpeper, Warrenton and Northern Virginia Information, Real Estate Resources, and About Beverly and James Herdman.
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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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What is the most common street name in the US?
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Second Street ranks as the most common street name. First Street is not #1 because many "First" streets are called "Main" Street. |
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Beverly & James Herdman
"We Bring Wine Country Home"
Keller Williams Realty
433 Meadowbrook Shopping Center
Culpeper, VA 22701
Office:: 540-825-7441
Beverly Cell: 703-969-4280
James Cell: 703-969-3812
Fax: 540-364-5059
Email: beverlyherdman@number1expert.com
The Herdmans are absolute professionals. With their outstanding experience and dedication, upbeat personalities, and excellent communication and negotiation skills, they are the ideal team to guide you in discovering, and acquiring, your dream home. Beverly is also a Certified Distressed Property Expert who counsels homeowners who are in need of alternatives to foreclosure.
We Bring Wine Country Home.   
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