Covington, Hammond and Ponchatoula real estate and homes for sale in Louisiana - Bev Walker, REALTORS® Bev Walker REALTORS(r) for Covington, Hammond and Ponchatoula, Louisiana real estate - NUMBER1EXPERTS™ Bev Walker NUMBER1EXPERTS(tm) for Covington, Hammond and Ponchatoula, Louisiana real estate
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Bev Walker, REALTORŪ, real estate agents and broker for Covington, Hammond and Ponchatoula Louisiana home listings, property and land for sale - NUMBER1EXPERT(tm)
ALL AGENTS ARE NOT ALIKE! Find out why I am a TOP AGENT.Call me: 985-320-1661 or visit CRS.com and SeniorsRealEstate.com



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Local Info: Covington, Hammond and Ponchatoula Louisiana home buying, real estate listings, and homes for sale in Livingston                     County, LA
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About the Tangipahoa and St. Tammany Parishes, Louisiana and surrounding areas
 

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Real Estate Tips
Financing Your Home >More On ARMs

Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.

One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.

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Real Estate Trivia
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What time of year is considered the busiest for homebuyers and sellers?

A 
Real estate is a year-round business, but spring is still considered the best time of year to showcase a home.
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Bev Walker, REALTORŪ, real estate agents and broker for Covington, Hammond and Ponchatoula Louisiana home listings, property and land for sale - NUMBER1EXPERT(tm)

Bev Walker, CRS, GRI, SRES
Keller Williams Realty Services

710 SW. Railroad Avenue
Hammond, LA 70403
Phone: 985-318-1400
Fax: 504-617-6001
Cell: 985-320-1661
Voice Mail: 985-542-7001
Email: BevWalker@NUMBER1EXPERT.com
Email: Bev@BevWalker.com

Bev, a Certified Residential Specialist (CRS), is rated in the top 4% of all Realtors nationally, and is a Seniors Real Estate Specialist (SRES). Bev is a Graduate of the REALTOR'S Institute, Certified by the Real Estate Buyers Agent Council, a graduate of Leadership Tangipahoa, and a recipient of the Prestigious RE/MAX Co-Operative Spirit Award. Bev is a former member of the Professional Standards/Ethics Committee, past member of the Board of Directors for the Northshore Area Board of Realtors and has been consistently awarded as a Top Selling Agent. Bev attended Greenfield Community College and Rhode Island College. When you work with Bev, you have the assurance of Confidentiality and Integrity along with Knowledge and Experience in the field of real estate. Bev is committed to providing a high level of service over and above the client's expectations. It is Bev's goal to become your "Agent of Choice"

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