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| Baltimore Maryland Mortgage Specialists.com - Loan Products - Standard ARMs and The Differences | |
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An adjustable rate mortgage, or ARM, is a mortgage rate that adjusts with the current market rates. Although this may not be the safest way to go, it has a rate that is always two or three percent lower than a fixed rate mortgage. Within the adjustable rate mortgage you can choose specific types, such as choosing a mortgage rate that is fixed for a whole year, but the next year it may adjust depending on the market conditions. It adjusts year to year, rather than month to month. A few other adjustable rate mortgage types are the CD's and the Treasury ARMs. The CD, or certificate of deposit, has a maximum interest rate of one percent every six months, meaning that if the market increases two percent in six months, the CD will allow you to only go up one percent rather than two. The CD also reacts exactly with the market rates. The other type is the Treasury Average and Spot ARM. These work slower than the CD, therefore giving you time to react to the market. More Baltimore Maryland Mortgage Specialists.com Loan Products Information: |
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| Deciding on an ARM can be difficult due to the many different options available. Let us help you find the ARM that is right for you. Fill out the form below and we will contact you soon with the information you need. | |
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Baltimore Maryland Mortgage Specialists.com - Home Information Getting a loan is a very simple process with us. Whether you are refinancing or purchasing a new home all you need to do initially is send us two years of w2’s, one month of paystubs, and a copy of your homeowner’s insurance policy. We can then approve you for a loan. It is truly that simple. The mortgage broker will be impressed and have proven to him your ability and desire to pay the loan. For any further questions on what to send when you make contact with a loan officer, contact Baltimore Maryland Mortgage Specialists.com. |
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The fun and festive atmosphere of the harbor is enhanced by street entertainers, open-air concerts, fireworks, parades, paddle boats, cruise boats and an outdoor ice skating rink.
But there's more to Baltimore than is seen at first glance. Charming historic neighborhoods surround the Inner Harbor, each offering their own character, history and cuisine. Little Italy is a pasta lover's paradise with outdoor movies on summer weekends, festivals of San Gabriel and St. Anthony, and two bocce ball courts. Fells Point is the oldest section of Baltimore and still has the feel of an old English neighborhood with cobblestone streets, unique shops and plentiful pubs and restaurants. And, there's Inner Harbor East, a bustling waterfront stop with its own attractions, retail shops, restaurants and two new hotels on the way.
The best view of the city is from the top of Federal Hill on the south side of the Inner Harbor. The surrounding neighborhood has a variety of boutiques and restaurants and one of the city's most popular markets. Mount Vernon, the cultural center of the city, was the address for the rich and famous during the 18th and 19 centuries. Their legacies include the first architectural monument to George Washington; Peabody Conservatory of Music; The Walters Art Gallery; and the Basilica of the National Shrine of the Assumption, the first Roman Catholic cathedral in the United States. And don't forget about Canton to the east. There you will find one of the city's hottest neighborhoods, where old factories have been converted into a thriving retail and entertainment hub.
Baltimore has restaurants to satisfy nearly every craving. Dining options include elegant gourmet cuisine, ethnic foods from around the world and plenty of fresh seafood from Maryland's Chesapeake Bay. Baltimore is known for its fabulous crabs, and dining at one of the city's many seafood restaurants or crab houses is a must for all who visit.