Bozeman, Belgrade and Manhattan real estate and homes for sale in Montana - Peggy Lipsey, REALTOR® Peggy Lipsey REALTOR(r) for Bozeman, Belgrade and Manhattan, Montana real estate - NUMBER1EXPERT™ Peggy Lipsey NUMBER1EXPERT(tm) for Bozeman, Belgrade and Manhattan, Montana real estate
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Peggy Lipsey, REALTORŪ, real estate agent and broker for Bozeman, Belgrade and Manhattan Montana 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: 406-580-0121.


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International Homes: Bozeman, Belgrade and Manhattan Montana home buying, real estate listings, and homes for sale in Gallatin County, MT
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propertyfinder.co.uk

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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You! 

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request my free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced. 

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to me through my professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more. 

When you click on any link above, you'll see your chosen site, along with a form at the bottom of your screen. Use this form to request my quick Status Report on any homes or other real estate that interests you. It's free and without obligation. 

Remember: As a top Bozeman, Belgrade and Manhattan area REALTORŪ, it's my job to know more about a property than any web site. Make sure you have the most current information! 



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 
What is currently the most technologically advanced way to vacuum your home?

A 
The self-propelling Dyson DC06 scans and maps a room with sensors and is controlled by built-in computers that prevent it from falling downstairs.
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Peggy Lipsey, REALTORŪ, real estate agent and broker for Bozeman, Belgrade and Manhattan Montana home listings, property and land for sale - NUMBER1EXPERT(tm)

Peggy Lipsey
Prudential Montana Real Estate

2001 Stadium Drive Ste A
Bozeman, MT 59715
Direct Phone: 406-556-2248
Mobile: 406-580-0121
Toll Free: 888-586-7676
Fax: 406-586-7591
Email: peggy@peggylipsey.com

Peggy has been licensed since 1985 and her mission says it all. It is: To exceed your expectations. Peggy believes in providing her clients with outstanding service. She is a licensed broker and has achieved the GRI, CRS and ABR designations. She stays abreast of the current trends by regularly attending educational events both locally and nationally. She loves living in Montana and understands the difficulties in relocating. She'll do everything to make you and your family comfortable in the process and happy with your final decisions.

ABRCRSEqual HousingGRIMLSREALTOR


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