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My Special Offers: Fort Hood, Killeen, Harker Heights and Copperas Cove Texas home buying, real estate listings, and homes for sale in Bell County, TX

Welcome > Resources > Special Offers > My Special Offers ...

Special Offers From Me To You!

Just for you, I've assembled some Special Offers. Choose one or all!

Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.

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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.

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Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.

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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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Q	What are considered the ideal conditions for a seller's market?
A	In a seller's market, prices are firm and good houses are sold before advertised or as soon as they show up in the MLS.
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Shakim Gonzalez, REALTORŽ, real estate agents and broker for Fort Hood, Killeen, Harker Heights and Copperas Cove Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Shakim Gonzalez, REALTOR
Century 21 Real Estate's 1st Team
1200 E Stan Schlueter Loop Suite 100
Killeen, TX 76542
Main Office: 254.634.2121
Shakim's Cell : 254.368.9892
Missy's Cell: 254.289.3774
1st Team Rentals: 254.220.4900
e-mail: Shakim@NUMBER1EXPERT.com
I specialize in representing my clients to the fullest. Whether it be the purchase or sale of single-family residence, income property or commercial I will be there. I am the real estate expert in the Greater Fort Hood Area within the cities of Killeen, Harker Heights and Copperas Cove. I also travel to Temple, Kempner, Austin, Belton, Lampassas, and Waco to assist clients. I keep current information of real estate transactions in these areas. I am very knowledgeable, and continue to educate myself in modern real estate practices and in creating higher levels of customer satisfaction. I am dedicated to my clients, I have a lifetime of experience in the Killeen area. My number one goal is ensuring the highest level of customer satisfaction. When you are working with Shakim Gonzalez you are working with the best. When you are looking for straight forward, honest, informative assitance throughout your real estate transaction, I am just a phone call away. I look forward to being of service to you. I am Shakim Gonzalez and will be there for you every step of the way.

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