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ESTAPLACE.COM REAL ESTATE - FREE LISTING SERVICE -
is an accommodation and real estate directory, where real estate property owners or real estate agencies connect with vacationers and home buyers worldwide. If you are a seller, you can add listings in few seconds, and if you are a buyer you can search listings to find your dream property!
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Nesgroup address: misc.consumers.house - Date & Time for the message: 16 Jul 2005 07:14:29 -0700
/ Author of the message: trader4@optonline.net |
Title of the message: |
Re: Merrill Lynch Fixed-to-Adjustable Mortgages???
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Text of the message: |
"Hi. I'm considering one of these loans. Fixed interest, interest-only payments for the first 5 years and then variable amortized thereafter. Plan to move before the 5 year period and want to put down a large sum towards the principal well AFTER closing. " Unless the interest rate for the first 5 years is significantly lower than the interest on a fixed rate mortgage and you're absolutely sure you're going to move, with fixed rates near all time lows, I would get a fixed rate loan. Also make sure you look at it from an after tax basis too. For example, if the difference is 1%, and you're in the 33% bracket, the after tax difference is only .67% And personally, when you can borrow money at around 6%, more like 4% after tax, I wouldn't be paying that down. I'd use the large sum available for investment. Historically, over a reasonably long period, |
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Estaplace.com is one the Ceglia Giovanni projects, started on 20 July 2005, and online since 20 August as a real estate platform for listings, mainly operating on the Italian and American/English market in the Internet, Estaplace would like to become the point of referiment for home sellers and home buyers, a site where private owners or real estate agencies can have the possibility to show their offers to the world. Estaplace.com is only one of the Giovanni Ceglia's sites. Everyday Giovanni Ceglia works to improve new Internet tools and services for online marketing and business. Estaplace.com will become the biggest portal for real estate business and investments online.
Estaplace.com is one the Ceglia Giovanni projects, started on 20 July 2005, and online since 20 August as a real estate platform for listings, mainly operating on the Italian and American/English market in the Internet, Estaplace would like to become the point of referiment for home sellers and home buyers, a site where private owners or real estate agencies can have the possibility to show their offers to the world. Estaplace.com is only one of the Giovanni Ceglia's sites. Everyday Giovanni Ceglia works to improve new Internet tools and services for online marketing and business. Estaplace.com will become the biggest portal for real estate business and investments online.