Celina, Prosper and Collin County Farm and Ranch Properties real estate and homes for sale in Texas, new construction, farm and ranch properties - Andy McAnally, REALTOR® Andy McAnally REALTOR(r) for Celina, Prosper and Collin County Farm and Ranch Properties, Texas real estate, new construction, farm and ranch properties - NUMBER1EXPERT™ Andy McAnally NUMBER1EXPERT(tm) for Celina, Prosper and Collin County Farm and Ranch Properties, Texas real estate, new construction, farm and ranch properties
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Andy McAnally, REALTOR®, real estate agent and broker for Celina, Prosper and Collin County Farm and Ranch Properties Texas home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
Financing Your Home >Watch Your ARMs Length

Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.

First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.

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Real Estate Trivia
Q 
Which estate has two pools--one on the east side for the morning sun and one on the west for afternoon enjoyment?

A 
The former estate of John Lennon in Palm Beach has two pools plus guest quarters.
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Andy McAnally, REALTOR®, real estate agent and broker for Celina, Prosper and Collin County Farm and Ranch Properties Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Andy McAnally
Taylor Realty Associates

201 S. Preston Road, Suite 200
Celina, TX. 75009
214-783-5442
972-382-4213
Fax: 972-382-4218
Email: andymcanally@NUMBER1EXPERT.com

Andy McAnally knows what it takes to run a farm and ranch. Andy and his father have been in the horse / cattle business for 20 plus years. During this time frame, they have raised and sold top reining, cutting, and working cow horses. They are part owners of the legend Reminic and also Arc Matt Olena (full brother to Smart Chic Olena)..... Says Andy. ‘Our ranch is a lifetime member of the American Quarter Horse Association and the Texas Longhorn Breeders Association of America. I also hold memberships in the National Reining Horse Association, the National Cutting Horse Association, and the National Reined Cow Horse Association. My experience in the horse and cattle business is a natural fit to help people find and purchase their dream farm and ranch properties

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