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Congratulations! You've found the number one website for families looking at homes for sale in San Antonio or looking to sell a San Antonio home. You can count on us! The members of San Antonio Home Quest's Realty Solutions Team are your most reliable experts for housing in San Antonio - whether you are buying or selling. Our team combines over 26 years realty experience making the home buying and selling experience much less complicated and much more rewarding. Let us help make your next home buying or selling experience easier! If you're buying, do you know where to begin? Home buying is one of life's most stressful and important experiences. With so much to know, you can be confident that you're in good hands using our highly accredited and experienced team to help you relieve the stress of acquiring the best home, in the best neighborhood, for the best price, the best mortgage loan and under terms and conditions most favorable to you. How our San Antonio Home Quest Realty Solutions Team can help make home buying easier? Relocating to San Antonio or one of the military installations in the San Antonio community? Whether you are a first time or a seasoned home buyer, our realty team understands how to mesh your home ownership and professional needs in a way that's designed to make the experience of shopping for your new homes for sale in San Antonio or pre-owned homes for sale in San Antonio less complicated and more rewarding.  You're encouraged to use this site to find out about your San Antonio area military housing allowance of PCS entitlements if you are in the military. Check out our mortgage loan informaton - ask us about the pros and cons of using a VA, FHA, or conventional mortgage loan and our Physicians Mortgage Lender opportunities for physicians. If you don't have a lender already in mind, we can direct you to lenders who've proven most reliable when representint our past clients. Do you want to sell your home? Here's how the San Antonio Home Quest Realty Solutions Team can help! Selling a home can be disconcerting and exhausting! Our team is here to relieve the stress. The San Antonio Home Quest Team is dedicated to help you optimize your San Antonio home marketing effort and maximize the sales return for your home investment. How much should you ask for your home? You can start by setting up our unique market snapshot program. It will tell you about the homes for sale activitiy in your neighborhood, how fast homes are selling, and how the selling prices compare with the listing prices. What kind of visibility will your home for sale receive? When you are finally ready to sell, our team will provide a well documented FREE analysis to help you set up the right price for your home. We'll design a comprehensive marketing plan for you focused on listing and selling your home quickly. Using our vast internet capability, quality photography, visual tour technology and other specifically tailored marketing techniques, the San Antonio Home Quest Team will insure your home gets the most sophisticated exposure available anywhere. Should you be required to relocate before your home sells, we'll advice you about the ways to prepare and state your vacant property to enhance and optimize its attractiveness. Enjoy your tour around this site! Learn about your new community. Check out our custom school guide and use our maps and links for things to do in San Antonio, local weather and much more. Make home buying and selling as easy as possible - become a part of the San Antonio Home Quest family!
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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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| Q |
Originally incorporated under the name Georgiana, what is the oldest incorporated city in the United States?
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| A |
York, Maine, which received an English charter in March 1642, is the oldest incorporated city in the U.S. |
 See More Real Estate Trivia > |
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