Seacoast New Hampshire and Southern Maine real estate and homes for sale in New Hampshire, waterfront - The Jim Mills Team, REALTORS® The Jim Mills Team REALTORS(r) for Seacoast New Hampshire and Southern Maine, New Hampshire real estate - NUMBER1EXPERTS™ The Jim Mills Team NUMBER1EXPERTS(tm) for Seacoast New Hampshire and Southern Maine, New Hampshire real estate
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The Jim Mills Team, REALTORŪ, real estate agents and broker for Seacoast New Hampshire and Southern Maine New Hampshire home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why we are top real estate experts. Call us: 603-501-3825.


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International Homes: Seacoast New Hampshire and Southern Maine New Hampshire home buying, real estate listings, and homes for sale in Rockingham County, NH
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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 our 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 us through our 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 our quick Status Report on any homes or other real estate that interests you. It's free and without obligation. 

Remember: As top Seacoast New Hampshire and Southern Maine area REALTORSŪ, it's our 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 >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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Real Estate Trivia
Q 
What is considered one of the greatest U.S. construction projects that was also of great strategic importance to the U.S.?

A 
The Panama Canal, begun in 1904 and completed in August, 1914, which cost $366,650,000.
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The Jim Mills Team, REALTORŪ, real estate agents and broker for Seacoast New Hampshire and Southern Maine New Hampshire home listings, property and land for sale - NUMBER1EXPERT(tm)

The Jim Mills Team
RE/MAX Coast To Coast Properties

150 Mirona Road
Portsmouth
New Hampshire 03801
888-349-5678 ext 3825
Direct: 603-501-3825
Fax: 603-430-8038
jimmills@NUMBER1EXPERT.com

Jim has been helping families to buy and sell homes on the Seacoast of Maine & New Hampshire for more than 12 years. Jim holds several professional real estate designations and has been named RealtorŪ of the Year twice. Jim is involved in advanced Real Estate training with the top instructors in the nation; this has created a network of the best agents across the U.S., Canada and Australia. So not only can Jim & his team assist with local moves, he can find you agents around the Globe.

Equal HousingMLSREALTOR


RE/MAX Coast To Coast Properties real estate and homes for sale in Seacoast New Hampshire and Southern Maine New Hampshire

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