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Ellen Clark, REALTORŪ, real estate agent and broker for Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

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National Listings Databases: Richmond Virginia home buying, real estate listings, and homes for sale in Chesterfield                   County, VA
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Harmon Homes Online

HarmonHomes.com "The nation's leading real estate magazine publisher with publications in over 85% all metro markets across the country. HarmonHomes.com offers 300,000 real estate listings, with almost 90% displaying color photos."

Homes.com

Homes.com Millions of home buyers and sellers are flocking to Homes.com, one of the nation's top real estate websites. Search homes for sale, hot real estate markets, neighborhoods, home builders, and more.

Immobel.com

Immobel.com "The #1 site on the Internet for multilanguage real estate listings. Check out the best properties in the language of your choice."

Sell.com

Sell.com "Sell.com classifieds is the alternative to online auctions, and includes real estate classifieds."

Reaffinity.com

Reaffinity.com "Real estate listings on your cell phone. Reaffinity provides home for sale listing information to cell phones and other mobile devices that have web enabled browsers."

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 Richmond 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 >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 
Where is the world's oldest castle located?

A 
The castle at Gomdan, Yemon, dating from before A.D. 100, is considered the oldest castle; it originally had 20 stories.
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Ellen Clark, REALTORŪ, real estate agent and broker for Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Ellen Clark
Re/Max Commonwealth Group

1520 Huguenot Road Suite #110
Midlothian, VA. 23113
Toll Free: 800-448-3287
Office: 804-794-2150
Pager: 804-794-2150
Fax: 804-739-3375
Email: ellen@ellenclark.com

Ellen Clark has Twenty years experience in Real Estate industry. She has been a Top Producer since 1996. Ellen Clark is a professional who enjoys what she does. As she says, "I love what I do and hope that is reflected in my work. I am sincerely committed to serving my clients and making their needs a priority. It gives me enormous satisfaction to help people make such an important decision."

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