Lancaster County, Manheim Township and Hempfield Township real estate and homes for sale in Pennsylvania - The Craig Hartranft Team, REALTORS® The Craig Hartranft Team REALTORS(r) for Lancaster County, Manheim Township and Hempfield Township, Pennsylvania real estate - NUMBER1EXPERTS™ The Craig Hartranft Team NUMBER1EXPERTS(tm) for Lancaster County, Manheim Township and Hempfield Township, Pennsylvania real estate
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The Craig Hartranft Team, REALTORŪ, real estate agents and broker for Lancaster County, Manheim Township and Hempfield Township Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

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Relocating?: Lancaster County, Manheim Township and Hempfield Township Pennsylvania home buying, real estate listings, and homes for sale in Lancaster County, PA
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Request Our Free Relocation Package. Don't Move To Lancaster County, Manheim Township and Hempfield Township Without It! 

Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate to and from the Lancaster County, Manheim Township and Hempfield Township, Pennsylvania area. 

If you will be moving to the Lancaster County, Manheim Township and Hempfield Township area, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. We'll send you every home or property that is currently available that matches your criteria. 

When you visit, we'll be ready! We will visit the Lancaster County, Manheim Township and Hempfield Township neighborhoods and homes that interest you the most. 

In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you. 

Remember: As top Lancaster County, Manheim Township and Hempfield Township REALTORSŪ, it's our job to know this area inside and out, and we want to make your transition as smooth as possible. 

To get started, fill out the form to request our FREE Lancaster County, Manheim Township and Hempfield Township, Pennsylvania Relocation Package. We'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong... 

Are you new to the area? Request our FREE package of Lancaster County, Manheim Township and Hempfield Township relocation information. It's our job to help! There's no obligation, and we promise to respond 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 
1992 marked the first year since before the Civil War that there were fewer than 2 million ________ in the United States?

A 
There are fewer than 2 million farms, and agricultural land is still being carved up for residential and commercial uses.
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The Craig Hartranft Team, REALTORŪ, real estate agents and broker for Lancaster County, Manheim Township and Hempfield Township Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

The Craig Hartranft Team
Prudential Homesale Services Group

150 North Point Blvd
Lancaster, PA. 17601
Toll Free: 800-320-5952
Direct: 717-560-5051
Fax: 717-560-9740
Email : CraigH@Realtor.com

"Craig's Team" of experienced real estate professionals is committed to providing each client with the best service in customer satisfaction. With six full time professionals, Craig Hartranft's Team will see you through every step of the real estate process. If you are looking for dedication, experience and trust, then give us a call.

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