Canton real estate MI, Plymouth real estate and Northville real estate, home listings and homes for sale in Michigan, relocation, luxury homes - The Bittinger Team, REALTORS® The Bittinger Team REALTORS(r) for Canton, Plymouth and Northville, Michigan real estate, relocation, luxury homes - NUMBER1EXPERTS™ The Bittinger Team NUMBER1EXPERTS(tm) for Canton, Plymouth and Northville, Michigan real estate, relocation, luxury homes
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The Bittinger Team, REALTOR®, real estate agents and broker for Canton, Plymouth and Northville Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)



A Foreclosure May Not Be Your Only Option
A “Short Sale” is the sale of a home for less than what is owed to the lender when there is proof of hardship and financial distress.
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Real Estate Tips
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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Real Estate Trivia
Q 
Which home is #1 on the Top 10 list for most-visited Historic Home in the United States?

A 
Graceland, the palatial home of Elvis Presley in Memphis, TN, attracts 600,000 visitors a year.
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The Bittinger Team, REALTOR®, real estate agents and broker for Canton, Plymouth and Northville Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

THE BITTINGER TEAM
RE/MAX Classic

43435 Joy Road
Canton, MI. 48187
Office: 734 459-2600
Fax: 734-979-0999
Email: team@bittinger.com

Lee and Noel Bittinger, ABR, CRP, CRS, e-PRO, GRI have set the standards for Real Estate in Wayne and Oakland Counties having received every major real estate award, as well as being important contributors to the real estate industry and in the community for over 22 years. They have led the way in specialization, education, marketing and innovations, as well as giving back generously to the community. The Bittingers are known for their integrity, enthusiasm, experience and knowledge. They are the guiding spirit for every transaction and every client their team serves. Given the current state of our real estate market and what it is doing to so many families, The Bittinger Team took it into their own hands to become Short Sale Experts! Every agent on The Bittinger Team has now acquired their "Certified Distressed Property Expert" designation, or CDPE. This experienced, and highly trained group of agents have dedicated their time and effort to understanding the critical issues that distressed homeowners are facing.

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RE/MAX Classic real estate and homes for sale in Canton, Plymouth and Northville Michigan

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