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Welcome > For Buyers > Find Your Perfect Home ...

Let Me Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation.

As a top Katy, Fort Bend County, Cypress and Sugarland real estate agent, I make it my business to be aware of every local home or property on the market. I even know of properties that will be available, but have yet to formally be placed on the market.

I have direct access to the Katy, Fort Bend County, Cypress and Sugarland area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings.

If you give me some idea of what you are looking for, I will personally review all my sources of real estate listing information and send you everything within your price range that matches your criteria. I can save you a great deal of time!

This is a totally free service, and there is no obligation. It's part of my job to offer services like this to homebuyers.

Tell me what you are looking for! It's my job to know every property in Katy, Fort Bend County, Cypress and Sugarland, even ones not listed online. My personal search for you is FREE and without obligation. Please give me as many details as possible...

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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	What real estate board game became the best-selling game in America just one year after it was created?
A	Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies.
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Kyle Roesler, REALTOR®, real estate agent and broker for Katy, Fort Bend County, Cypress and Sugarland Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Kyle Roesler
RE/MAX Cinco Ranch
916 S. Mason
Katy, TX 77450
Office: 281-994-5127
Cell: 281-732-3254
Email: KyleRoesler@remax.net
Web: KyleRemax@yahoo.com

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