Cyndie Scott, REALTORŽ, real estate agent and broker for Piqua, Troy and Tipp City Ohio home listings, property and land for sale - NUMBER1EXPERT(tm)

All agents are NOT alike! Find out why I am a top real estate expert. Call me at 937-371-1719.

Searching for homes just got easier. Personalize your home search and receive listing alerts of homes meeting your criteria. It’s as easy as 123! Get the newest listings, property information, home addresses, directions, photos, and more!

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OPIS: OHIO PROPERTY INSPECTION SERVICES
OPIS inspectors are ASHI certified members and use state-of-the-art technology to give you the best information about your home.
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Welcome > Find Homes > Search All Homes > New Construction ...

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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.

When you click on any link above, you'll see your chosen site, along with a form at the bottom of your screen. Use this form to request my quick Status Report on any homes or other real estate that interests you. It's free and without obligation.

Remember: As a top Piqua, Troy and Tipp City area REALTORŽ, 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 >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 oceanfront area is currently the most popular choice among people searching for second homes and vacation homes?
A	According to statistic published early in 2005, the Florida coast is the most sought-after vacation and retirement destination in the United States.
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Cyndie Scott, REALTORŽ, real estate agent and broker for Troy, Tipp City and Piqua, Ohio home listings, property and land for sale

Cyndie Scott, Broker/Owner
Cyndie Scott & Associates
Phone: 937-371-1719
Fax: 937-535-0687
Email: cyndie@cyndiescott.com
I want to be your realtor for life. I will give you outstanding service and excellent care in every real estate transaction.

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