Saratoga Springs, Clifton Park and Ballston Spa real estate and homes for sale in New York - Sharon Byrne, REALTOR® Sharon Byrne REALTOR(r) for Saratoga Springs, Clifton Park and Ballston Spa, New York real estate - NUMBER1EXPERT™ Sharon Byrne NUMBER1EXPERT(tm) for Saratoga Springs, Clifton Park and Ballston Spa, New York real estate

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Sharon Byrne, REALTOR®, real estate agent and broker for Saratoga Springs, Clifton Park and Ballston Spa New York 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: 518-527-4914.



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International Homes: Saratoga Springs, Clifton Park and Ballston Spa New York home buying, real estate listings, and homes for sale in Albany County, NY
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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 Saratoga Springs, Clifton Park and Ballston Spa area REALTOR®, it's my job to know more about a property than any web site. Make sure you have the most current information! 



Real Estate Tips
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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Real Estate Trivia
Q 
What is considered one of the greatest U.S. construction projects that was also of great strategic importance to the U.S.?

A 
The Panama Canal, begun in 1904 and completed in August, 1914, which cost $366,650,000.
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Sharon Byrne, REALTOR®, real estate agent and broker for Saratoga Springs, Clifton Park and Ballston Spa New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Sharon Byrne
Realty USA / Belmonte Builders

1547 Route 9
Clifton Park, NY. 12065
Cell: 518-527-4914
Home: 518-584-7668
Fax: 518-584-1307
Email: sbyrne@realtyusa.com
email: sharonbyrne@number1expert.com

As one of America's NUMBER1EXPERTS™ in the Saratoga Springs, Clifton Park, Ballston Spa, Ballston Lake, Malta, Halfmoon and Wilton area Sharon looks forward to establishing a long-lasting professional relationship with each and every one of her clients. Call or e-mail Sharon and she will help you achieve your Real Estate goals.

Equal HousingMLSREALTOR


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