Grosse Pointe, Harper Woods, and St. Clair Shores real estate and homes for sale in Michigan, waterfront, condominiums - Shana Sine Cameron, REALTOR® Shana Sine Cameron REALTOR(r) for Grosse Pointe, Harper Woods, and St. Clair Shores, Michigan real estate, waterfront, condominiums - NUMBER1EXPERT™ Shana Sine Cameron NUMBER1EXPERT(tm) for Grosse Pointe, Harper Woods, and St. Clair Shores, Michigan real estate, waterfront, condominiums
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Shana Sine Cameron, REALTORŪ, real estate agent and broker for Grosse Pointe, Harper Woods, and St. Clair Shores Michigan 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: 313-884-2240.


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International Homes: Grosse Pointe, Harper Woods, and St. Clair Shores Michigan home buying, real estate listings, and homes for sale in Wayne County, MI
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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 Grosse Pointe, Harper Woods, and St. Clair Shores 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 
What famous Art Deco skyscraper is decorated with eagle hood ornaments, hubcaps and abstract images of cars?

A 
New York's Chrysler Building, designed by architect William Van Alen in 1930, was one of the first buildings composed of stainless steel over a large surface area.
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Shana Sine Cameron, REALTORŪ, real estate agent and broker for Grosse Pointe, Harper Woods, and St. Clair Shores Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Shana Sine Cameron
Sine & Monaghan GMAC Real Estate

18412 Mack Avenue
Grosse Pointe Farms
MI 48236
313-884-2240
313-530-7705
Fax: 313-884-6007
ShanaSineCameron@NUMBER1EXPERT.com

A third-generation Realtor born and raised in the area, I am totally committed to giving my clients the service and attention they deserve. I know that Grosse Pointe, Harper Woods, and St. Clair Shores are great places to live, offering top notch schools, parks, recreational facilities, and community services. I get numerous referrals every year from past clients, friends, and family because they value my professionalism, honesty, work ethic, and knowledge of the market and neighborhood. I look forward to hearing from you!


Sine & Monaghan GMAC Real Estate real estate and homes for sale in Grosse Pointe, Harper Woods, and St. Clair Shores Michigan

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