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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 314-307-4663.
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There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
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"Karen makes a Difference"
"If you are looking for someone who can make the difference in your real estate transactions, you should talk to Karen"
"James Davet"
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Whether you are buying or selling a home all real estate transactions require the help of various local businesses--lenders, appraisers, title companies, escrow accounts, etc. As a top St. Louis county Realtor I know "everybody" in town! You can contact anyone featured on this page with confidence.  
First Time Buyers >Choosing A Lender
When you are buying a new home or refinancing your present one, it is wise to do some comparison shopping among lenders. A low interest rate isn't the only criterion by which to evaluate a loan. You should also consider the terms of the mortgage, what your closing costs will be and the reputation of the lender.
Real estate agents are a good source of information about loans and lenders, whether you are buying a home or just refinancing your present home. We routinely assist buyers when they need a mortgage in order to purchase a home. We know what loan packages are available and the qualifying requirements. The companies with the lowest rates sometimes have very conservative underwriting guidelines, and may not be willing to make loans on certain types of property or to buyers who are marginally qualified. We can tell you which companies and loan officers will go the extra mile to provide excellent service to make sure that the transaction closes.
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| Q |
What does the term ARM stand for?
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| A |
An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market. |
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