Harleysville, Lansdale, Skippack and Collegeville real estate and homes for sale in Pennsylvania - Dale Joy, REALTOR® Dale Joy REALTOR(r) for Harleysville, Lansdale,  Skippack and Collegeville, Pennsylvania real estate - NUMBER1EXPERT™ Dale Joy NUMBER1EXPERT(tm) for Harleysville, Lansdale,  Skippack and Collegeville, Pennsylvania real estate
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Dale Joy, REALTORŪ, real estate agent and broker for Harleysville, Lansdale,  Skippack and Collegeville Pennsylvania 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: 610-584-8557.


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International Homes: Harleysville, Lansdale,  Skippack and Collegeville Pennsylvania home buying, real estate listings, and homes for sale in Montgomery                     County, PA
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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 Harleysville, Lansdale, Skippack and Collegeville 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 
Where would you go if you wished to stay in the world's most expensive hotel room?

A 
The Imperial Suite at the President Wilson Hotel in Geneva, Switzerland, which can be reserved for $33,000 per night.
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Dale Joy, REALTORŪ, real estate agent and broker for Harleysville, Lansdale,  Skippack and Collegeville Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Dale Joy
RE/MAX 440

4092 Skippack Pike, PO Box 880
Skippack, PA. 19474
Direct: 610-584-8557
Office: 610-584-1160
Fax: 610-222-0444
Email: DaleJoy@Comcast.net

Whether you're buying your first house, building your dream house, or selling your third or fourth house-the financial and emotional investment is significant. Because every real estate transaction is different, the experience and professionalism of your realtor does make a difference. Dale Joy makes it his business to be the difference for his clients. As an inductee to the RE/MAX Hall of Fame Dale's achievements have been recognized as superior by the industry. But awards and recognition are only half of the story...over 500 satisfied clients tell the rest. Your real estate transaction deserves to be as important to your realtor as it is to you. To Dale Joy, it is.

ABREqual HousingMLSREALTOR


RE/MAX Services Inc. real estate and homes for sale in Harleysville, Lansdale,  Skippack and Collegeville Pennsylvania

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