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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Cindy Czaskos, a proven Clinton, Hunterdon County and Pittstown, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Find Clinton, Hunterdon County and Pittstown Homes - Find Clinton, Hunterdon County and Pittstown, New Jersey real estate listings & homes for sale provided by Cindy Czaskos, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Cindy Czaskos, a proven Clinton, Hunterdon County and Pittstown, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Cindy Czaskos, a proven Clinton, Hunterdon County and Pittstown, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Clinton, Hunterdon County and Pittstown Information - Find local information on Clinton, Hunterdon County and Pittstown, New Jersey including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Cindy Czaskos, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Cindy Czaskos, a proven Clinton, Hunterdon County and Pittstown, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. About Cindy Czaskos - Information about Cindy Czaskos including testimonials, guarantees, credentials, and contact information. Learn why Cindy Czaskos is a proven Clinton, Hunterdon County and Pittstown, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. 
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Financing Your Home >Watch Your ARMs Length Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.
First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.
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