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Welcome to Denise Bash'sJacksonville, Fruit Cove and St. Augustine Real Estate Website

Welcome! Here You Can Find Great Information on Jacksonville, Fruit Cove and St. Augustine, Florida Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information? I've summarized much of what is important about the Jacksonville, Fruit Cove and St. Augustine real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a top Jacksonville, Fruit Cove and St. Augustine real estate agent, I have the experience and track record you are looking for. Please let me help.

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School Reports in Jacksonville, Fruit Cove and St. Augustine, Florida

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Schools in Jacksonville, Fruit Cove and St. Augustine

Financing Your Home >More On ARMs

Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.

One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.

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Q	What does the term Curb Appeal mean?
A	This term describes how homes look from the street; this first impression is very important to prospective homebuyers.
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Denise Bash, REALTOR®, real estate agent and broker for Jacksonville, Fruit Cove and St. Augustine, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Denise Bash
Watson Realty Group
11226 San Jose Blvd.
Jacksonville, FL 32223
Direct: 904-568-5198
Fax: 904-230-1412
dbash.cm@juno.com

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