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Welcome > For Buyers > Find Your Perfect Home ...

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As top O'Fallon, Scott Air Force Base and Belleville real estate agents, we make it our business to be aware of every local home or property on the market. We even know of properties that will be available, but have yet to formally be placed on the market.

We have direct access to the O'Fallon, Scott Air Force Base and Belleville area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings.

If you give us some idea of what you are looking for, We will personally review all our sources of real estate listing information and send you everything within your price range that matches your criteria. We can save you a great deal of time!

This is a totally free service, and there is no obligation. It's part of our job to offer services like this to homebuyers.

Tell us what you are looking for! It's our job to know every property in O'Fallon, Scott Air Force Base and Belleville, even ones not listed online. Our personal search for you is FREE and without obligation. Please give us as many details as possible...

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Financing Your Home >Watch Your ARMs Length

Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.

First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.

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Q	What 70-room East Coast mansion was built as a summer home and is known as a "Gilded Age cottage"?
A	Cornelius Vanderbilt's "Breakers" Mansion in Newport, Rhode Island, named for the waves crashing along the cliff that separates the property from the ocean.
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Susan and David Holden, REALTOR®, real estate agent and broker for O'Fallon, Scott Air Force Base and Belleville, Illinois home listings, property and land for sale - NUMBER1EXPERT

Susan and David Holden Broker/Owners
RE/MAX Preferred
1668 Windham Way - Lakepointe Centre
O'Fallon, IL 62269
Susan Mobile: 618-531-4926
David Mobile: 618-531-4887
DavidHolden@remax.net
SusanHolden@remax.net
Thank you for visiting us at www.ofallonrealestate.com we look forward to assisting you in your home buying or selling needs. We believe in a "hands on" approach to Real Estate, this is why you will deal only with us during your transaction. This allows us to manage all aspects and react to changes quickly. Please do not hesitate to contact us for more details

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