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Why Buyers Choose Donna Incorvaja
Welcome > For Buyers > Why Buyers Choose Donna Incorvaja ...

Buying a Home Requires Many Difficult Decisions. 

Your home is probably the biggest purchase your family will ever make, and it involves many decisions that go beyond simply choosing one you like. 

As a Pembroke Pines, Coral Springs and Miramar area real estate agent, here is how I will guide you through the entire process, from viewing homes and financing, to making sure the final contract is in your best interest: 

- You will have full access to ALL homes available on the Pembroke Pines, Coral Springs and Miramar market, even listings not yet on the MLS, through my professional Florida real estate affiliations. 

- My expert local knowledge of the Pembroke Pines, Coral Springs and Miramar area should be invaluable to you, not just in terms of real estate, but also schools, neighborhoods, the local economy, and more. 

- Every local real estate market absolutely has its own trends and opportunities. This can vary greatly, even one neighborhood to the next. Pembroke Pines, Coral Springs and Miramar are no different! It's my job to steer you into opportunities and out of traps. 

- What is the true market value of the home you are interested in? Is it priced too high? Is it a bargain that you should jump on? I help home buyers make decisions like this every day, and I'll make sure that YOU get the best value for your money. 

- Negotiating with sellers can be stressful. I will help you negotiate, so that the final contract includes your best possible terms and conditions. 

- You should know absolutely everything about the property you are buying! You and I will view every home that you are interested in, together. And prior to closing I will make you fully aware of any and all inspections available to you. 

- Have confidence when signing documents. Contracts are full of complicated terms and clauses that can greatly affect your future life in your new home. I will give you the full benefit of my real estate knowledge and experience. 

Let me represent your best interests in your search for a new home in the Pembroke Pines, Coral Springs and Miramar area. While you can see a million homes on the web, actually buying your home is another matter entirely. Buyers beware! 

Ask me any question about buying a home in the Pembroke Pines, Coral Springs and Miramar area. It's my job to help you! There's no obligation, and I promise to respond quickly... 

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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 price range is considered upscale or high-end in residential real estate?

A 
The price range varies depending on the local market, but upscale homes are in the top 10% of an MLS area's annual home sales.
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Donna Incorvaja, REALTOR®, real estate agent and broker for Pembroke Pines, Coral Springs and Miramar, Florida home listings, property and land for sale - NUMBER1EXPERT

Donna Incorvaja
Herman Group Real Estate

8024 N.W. 154th St
Miami Lakes, FL 33016
954-303-9138
Fax: 954-653-1452
donnaincorvaja@NUMBER1EXPERT.com


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