Katy real estate TX, Houston real estate and Sugar Land real estate, home listings and homes for sale in Texas, Golf Course and Waterfront homes - Liz Carter's Team, REALTORS® Liz Carter's Team REALTORS(r) for Katy, Houston and Sugar Land, Texas real estate - NUMBER1EXPERTS™ Liz Carter's Team NUMBER1EXPERTS(tm) for Katy, Houston and Sugar Land, Texas real estate
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Liz Carter's Team, REALTORŪ, real estate agents and broker for Katy, Houston and Sugar Land Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

All agents are not created equal! Find out why we are the top real estate team in Katy, Sugarland and Houston Texas! Call us: (800)783-4041


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We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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All real estate transactions require the help of numerous local businesses. Visit "Our Affiliate" page to easily find contact info for any of your needs.


Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Liz Carter's Team are some of The Top Selling Real Estate Experts™
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Resources: Katy, Houston and Sugar Land Texas home buying, real estate listings, and homes for sale in Harris County, TX
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Special Offers: Special offers for Katy, Houston and Sugar Land homeowners from Liz Carter's Team, top Realtors
Affiliates: Liz Carter's Team's real estate web site affiliates
eNewsletter: Liz Carter's Team's Katy, Houston and Sugar Land newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, Texas, and United States
Market Conditions Report: Market conditions report for this area, Texas, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Katy, Houston and Sugar Land Texas mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Texas or buy your own Katy, Houston and Sugar Land house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Katy, Houston and Sugar Land mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Texas real estate
Link partners: Links from other real estate and real estate related web sites.
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask Liz Carter's Team anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: Liz Carter's Team's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Liz Carter's Team's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Katy, Houston and Sugar Land property in Texas, including legal terms definitions, and more

 

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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.

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What is the world's most valuable piece of furniture?

A 
The 18th century Italian Badmiton Cabinet owned by the Duke of Beaufort sold in 1990 at Christie's, London for $15.1 million dollars.
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School Reports
See the nation's top rated reports for Schools in Katy Texas, Sugarland Texas, and Houston >



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Liz Carter's Team, REALTORŪ, real estate agents and broker for Katy, Houston and Sugar Land Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Liz Carter's Team
Liz Carter & Team Realty

21949 Katy Freeway
Suite D
Katy, TX 77450
281-391-SOLD (7653)
Toll Free: (800)783-4041
Fax: 281-392-2910
liz@lizcarter.com

Since 1976, Liz Carter and her team have been delivering what buyers and sellers need most - Results! In the Houston & Katy area market, whether you are buying or selling your home, we deliver the highest degree of professionalism and responsiveness with a focus on quick and efficient real estate transactions.

ABR CRS Equal Housing GRI MLS REALTOR


Liz Carter & Team Realty



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