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All agents are NOT alike! As a Real Estate CONSULTANT, my focus is to help you make the most INFORMED Choices
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"responsive, professional, and thorough"
"we needed a Realtor who would be sensitive to our situation, our timeframe, and our "bottom-line". Judi was all of the above!!!!"
Antonio & Tina Inglese
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Request a Free Presentation On How I Will Market and Sell Your Home. Remember, All Realtors Are NOT Alike.
 A "Listing Presentation" is an industry term for the formal presentation that a Realtor makes to prospective home sellers, trying to earn their trust and business. Don't list your home with a real estate agent without it! I would love the opportunity to make such a presentation to you. I'll visit your home, and together we will walk through it, considering the positives and negatives (if any!). You will then see exactly how I would propose to sell your home, for as much as the market will bear, and within your time frame. I will tell you where I will advertise your home, both in print and on the web. With the dramatic growth in homebuyer usage of the web, you MUST have a top Realtor that can extensively market your home online! And you'll find out what your Bloomingdale and Bartlett home is worth, because part of my presentation will include a CMA (Comparative Market Analysis) of your home. I'll compare your home to others like it in the market place that have recently sold, and also to others that are currently for sale. This is a very important way of determining the fair market value of your home. I make free presentations and prepare CMAs for prospective home sellers every day. I've literally done hundreds, and I know exactly what puts a big SOLD sign in your front yard. I'd love the chance to make a presentation for you. It is totally free and without any obligation. Call me! Or fill out this form and I will get back to you quickly...
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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 |
Where would you go to visit the largest ancient castle in the world?
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| A |
You would travel to Prague, Czech Republic, to see the Prague Castle, built in the 9th century, with a total surface area of 18 acres. |
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- NUMBER1EXPERT™ 
