Gulf Shores, and Orange Beach real estate and homes for sale in Alabama - Bill, Joanne and Mike Cranston, REALTORS® Bill, Joanne and Mike Cranston REALTORS(r) for Gulf Shores, and Orange Beach, Alabama real estate - NUMBER1EXPERTS™ Bill, Joanne and Mike Cranston NUMBER1EXPERTS(tm) for Gulf Shores, and Orange Beach, Alabama real estate
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Bill, Joanne and Mike Cranston, REALTORŪ, real estate agents and broker for Gulf Shores, and Orange Beach Alabama 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: 877-945-8555.


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Property Valuation: Gulf Shores, and Orange Beach Alabama home buying, real estate listings, and homes for sale in Baldwin                        County, AL
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Buyers Want Your Condominium or Home for As Little As Possible. Quickly Find Out What It's Really Worth, by Email, for Free.
 

Are you thinking of selling your Gulf Shores, Orange Beach or panama City Beach condominium or home? You should know exactly what it's worth before making such an important decision. 

Let us do a quick "Comparative Market Analysis" for you, for free, and with no obligation. Also known as a CMA, this analysis compares your home to others that are currently on the market and to those that have recently sold. 

As top Realtors, we determine the value of Gulf Shores, and Orange Beach, Alabama area condo/homes daily, as well as in Panama City Beach as well! Using the information you provide below, we can perform a quick market analysis, and give you a free estimate of what your home is worth in today's market. 

Remember, market conditions can be different, even one Gulf Shores, Orange Beach and Panama City Beach neighborhood to the next. We know how to take all these factors into account when determining the true market value of your home. 

This service is completely free and without obligation. There are absolutely no strings attached. Why? We want the chance to show you our expertise as top Gulf Shores, Orange Beach and Panama City Beach real estate agents. 

Please provide us with some basic information on your home. We'll get back to you quickly...
 

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Real Estate Tips
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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Real Estate Trivia
Q 
What area was designed to look like a 1940s southeastern town with traditional architecture?

A 
Disney's "Celebration" in Orlando, FL, will eventually have 8,000 houses and many commercial tourist attractions.
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Bill, Joanne and Mike Cranston, REALTORŪ, real estate agents and broker for Gulf Shores, and Orange Beach Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

Bill and Mike Cranston
RE/MAX OF ORANGE BEACH

26021 Perdido Beach Blvd
Orange Beach, AL 36561
Main Line: 877-945-8555
Cell Phone: 251-504-1121
Fax: 251-948-5644
Email: cranstonteam@NUMBER1EXPERT.com
Direct Email: mcranston@gulftel.com

Bill and Mike Cranston are a successful team! Mike Cranston, specialize in condominiums, beachfront and bayside homes, and investment properties. The Cranston Team has over 75 years combined experience in servicing the public's real estate needs! They are 50 Million Dollar Producers.

CDPE MLS REALTOR


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