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Short Sale - Turtle Shores home

$379,900 Short sale

Front : front

Address: 129 Turtle Bay Ln	City/ST: Ponte Vedra Beach, GA	Zip Code: v32082
Location: Ponte Vedra Beach	Property Type: Single Family Home	New or Resale: Resale
Square Footage: 2240	Bedrooms: 4	Bathrooms: 3
MLS# 506474

Quality remodeling & expansion on one of the cottages of Turtle Shores! A rare find! Enjoy the charm of a 'cottage' and the views of the Intracoastal and Guana River with access to the water in a canoe or kayak during high tide. The only original marshfront cottage in Turtle Shores with a grassed rear yard. Quality materials and workmanship, includes a new upstairs master suite with deck Living/Dining Combo; Eating Space-Kitchen Kitchen: Breakfast Bar; Pantry - Closet; Solid Srfce Cntrtops Major Appliances: Range Electric; Microwave; Dishwasher; Disposer; Refrigerator; Washer/Dryer Connect; Self Cleaning Oven Additional Equipment: Smoke Detector Additional Rooms: Entry Hall / Foyer; Library/Office; Bonus Room/Game Room; Lndry/Util. (inside)

Last Updated: 10/25/2009 9:18:51 PM

Listing Agent and Office: Thomas Hirsh, Florida Homes Realty & Mortgage

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Financing Your Home >The Margin on an ARM

When you are shopping for an Adjustable Rate Mortgage, the important thing to consider is the margin. Each time your loan is adjusted, the new interest rate will be tied to an index of Treasury notes. The margin is the percentage point above that index where your rate will be set.

Let's suppose that you have a one-year ARM with a 2.5 margin. Your initial rate was 7.5%, and during the first year of the loan, the index of 1-year Treasury notes was at 6.25%. The rate for the second year of your loan would be adjusted to 8.75%. With a margin of 2.75, it would increase to 9%. Some lenders offer lower initial rates with higher margins. In this case, the subsequent rates could be higher after the first year, than if you chose a higher initial rate with a lower margin.

If you are confused by the various mortgage offers, ask a professional mortgage broker to sit down with you and show you how it works. Today the rates and different financial possibilities are so variable that it is a good idea to talk to a mortgage broker--they usually know where the best rates can be found.

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Q	What is the earliest residential building that remains in Manhattan?
A	Fraunces Tavern, built in 1719, is where George Washington delivered his Farewell Address to his officers in 1783.
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James Angelo, REALTOR�, real estate agent and broker for Jacksonville, Orlando and Gainesville, Florida home listings, property and land for sale - NUMBER1EXPERT

James Angelo
Florida Homes Realty and Mortgage
10523 Creston Glen Circle East
Jacksonville, FL 32256
904-881-2178
Fax: 904-538-0195
jamesangelo@NUMBER1EXPERT.com

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