Dover, Camden and Kent County real estate and homes for sale in Delaware, Kent County, Dover - John Hamilton, REALTORS® John Hamilton REALTORS(r) for Dover, Camden and Kent County, Delaware real estate - NUMBER1EXPERTS™ John Hamilton NUMBER1EXPERTS(tm) for Dover, Camden and Kent County, Delaware real estate
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John Hamilton, REALTOR®, real estate agents and broker for Dover, Camden and Kent County Delaware home listings, property and land for sale - NUMBER1EXPERT(tm)
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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 our 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 us through our 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 our quick Status Report on any homes or other real estate that interests you. It's free and without obligation. 

Remember: As top Dover, Camden and Kent County area REALTORS®, it's our 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 do 84% of homebuyers who use the Internet to search for homes have in common?

A 
They use a real estate agent to purchase their home.
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John Hamilton, REALTOR®, real estate agents and broker for Dover, Camden and Kent County Delaware home listings, property and land for sale - NUMBER1EXPERT(tm)

John Hamilton
Harrington ERA Realty, Inc

516 Jefferic Blvd
Dover DE 19901
Phone:: (302) 270- 7245
laurieandjohn@NUMBER1EXPERT.com
John: johnhamilton@delaware.net

John has helped over 350 families make good real estate decisions. He has a proven record of consistent achievement and is a Top Producer in Kent County. He is knowledgeable, dedicated, and enthusiastic and has a strong work ethic. John is an Accredited Buyers Representative (ABR). John is also licensed in Maryland. With 40 years in corporate sales experience, John is a skilled negotiator. John wants your real estate experience to be easy and positive. His motto is “I don't just sell houses. I help people find their way home”! John is one of America’s NUMBER1EXPERTS™in the Dover and Kent County and he is well qualified to meet all your real estate needs. Give him a call or email him today!

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