Chesterfield, Wildwood and West St. Louis County real estate and homes for sale in Missouri - Karen Wagner, REALTOR® Karen Wagner REALTOR(r) for Chesterfield, Wildwood and West St. Louis County, Missouri real estate - NUMBER1EXPERT™ Karen Wagner NUMBER1EXPERT(tm) for Chesterfield, Wildwood and West St. Louis County, Missouri real estate
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Karen Wagner, REALTOR®, real estate agent and broker for Chesterfield, Wildwood and West St. Louis County Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 314-307-4663.


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Local Info: Chesterfield, Wildwood and West St. Louis County Missouri home buying, real estate listings, and homes for sale in St. Louis County, MO
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About the St. Louis, Central and West St. Louis County, and St. Charles County, Missouri Area 

The St. Louis is a great place to live! The St. Louis metropolitan area, St. Louis City and County and the surrounding counties such as St. Charles and Jefferson, is the 18th largest population center in the United States. With approximately 3 million people. St. Louis boasts a healthy and growing climate. Because of its historic role in the nation's westward expansion, St. Louis is nicknamed the "Gaterway to the West" The 630 ft tall stainless steel Gareway Arch is the tallest man-made manument in the United States. Each year tens of thousands of visitors from all over the world take the ride to the top of the Arch for a stunning view of the St. Louis Metropolitan Area.  

To Take a quick tour of St. Louis, CLICK HERE 

Soon you will be able to find many pictures of the St. Louis area and information about various cities in St. Louis County and St. Charles County. 

 




































































Feel free to request my Free St. Louis Area Relocation Package. It's packed full of useful and important information about the Metropolitan St. Louis area. Don't move here without it! 

Remember: I'll send it to you for free and without obligation. Just fill out the form and I will send it right out... 

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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 
Where can you find the world's largest residential palace?

A 
The Istana Nurul Iman, palace of the Sultan of Brunei, includes 2,152,782 square feet, 1,788 rooms, 257 bathrooms and a 110-car garage.
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Karen Wagner, REALTOR®, real estate agent and broker for Chesterfield, Wildwood and West St. Louis County Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Karen Wagner
Prudential Alliance Realtors

17050 Baxter Road Ste 200
Chesterfield, MO. 63005
Mobile: 314-307-4663
Direct: 636-530-4014
Toll Free: 800-738-0300
Fax: 636-537-2405
Email: karenwagner@NUMBER1EXPERT.com

My Focus is YOU. Every person is unique – and each Real Estate situation is different. You'll never find a cookie-cutter approach with me. I want to take the time to understand your unique lifestyles and goals. Only then can we formulate a comprehensive strategy to meet your individual needs.

Whether you're a first time home buyer, a seasoned seller or a corporate transferee, I customize services to meet your needs. My commitment is to YOU and I'm only satisfied when YOU are satisfied.

GRICRSMLSREALTOREqual HousingABReProSRES


Prudential Alliance Realtors real estate and homes for sale in Chesterfield, Wildwood and West St. Louis County Missouri

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