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Michal Porath is one of The Top Selling Real Estate Experts™
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Michal Porath, REALTORŽ, real estate agent and broker for Ann Arbor, Saline and Chelsea Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Welcome! Here You Can Find Great Information on Ann Arbor, Saline and Chelsea, Michigan Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes. Just click on Find Homes, then My Feature Homes.

Need local real estate information? I've summarized much of what is important about the Ann Arbor, Saline and Chelsea real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top REALTORŽ. 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 REALTORŽ. 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 Ann Arbor, Saline and Chelsea REALTORŽ, I have the experience and track record you are looking for. Please let me help.

- Michal Porath


	Enjoy Autumn in Ann Arbor!

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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Q	What is the largest home in Hollywood?
A	The largest home in Hollywood is currently "The Manor" at 36,500 square feet, built by T.V. producer Aaron Spelling for $37 million.
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Michal Porath
The Reinhart Company
2452 E. Stadium Blvd.
Ann Arbor, MI 48104
Phone: 734 395-0650
EFax: 734 669-4105
michalporath@NUMBER1EXPERT.com

After 28 Years, I still love what I do. For me, real estate isn't just about houses, but it is also about where people make their home. I understand the emotional aspects of home buying and selling, as well as understanding the technical details. I know how to ask the right questions and where to find the answers. When we work together, you'll have the complete attention of a respected professional, intent on being your advocate--face-to-face, one client at a time. This is how I have built my client base and become one of Ann Arbor's most successful Realtors. Whether you are moving across town or across the country, when you decide to buy or sell your home, Invest in the Best Real Estate Advice you can find. My clients say it has made all the difference for them. I'd love to hear from you!

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