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Association early in 2004, Federal Reserve Chairman Alan Greenspan had stated that AmericanÆs preference for fixed rate mortgages means many are paying more than necessary for their homes, and suggested consumers might benefit from considering ARMs as an alternative. In fact, a Federal Reserve study at the time concluded homeowners could have saved tens of thousands of dollars in the last decade if they had ARMs. But the Federal ReserveÆs policy of raising rates 14 times since June 2004 has challenged the validity of that position today. Normally, the difference between rates for fixed and adjustable rate mortgages can be more than 1%, with the ARMs having the lower rate, but now, for most consumers, the rate is almost the same on both. There are still millions of homeowners with fixed rate mortgages that have interest rates of 8% or more, and they could save thousands of dollars a year by refinancing before the Federal ReserveÆs next meeting on March 27-28. Many homeowners may think they have already waited too long, and that rates are now too high, but that isn't the case. There are still many programs available from Licensed Mortgage Brokers, who deal with wholesale lenders, that have fixed rates that are in the 6%-7% range, and actually less than the Prime Rate. "A drop of just 1% in the rate on a $200,000.00 loan can lower your payment over $1500.00 a year," said Ms. Pooley, "and many times we can actually lower peopleÆs rates by 2% or more." "They can normally save back the total cost of the new loan in 2-3 years or less," she continued, "and pay little or nothing out of pocket to do it." Economists are predicting the Fed will boost rates by another quarter percentage point to 4.75 percent at their next meeting, and that the average rate on home loans will increase by another one-half of a percent or more by the end of the year. Although economists, and Fed officials, disagree on how many more rate increases may be coming, most agree that the Fed's rate-raising campaign may be coming to an end soon. According to Ms. Pooley, "The current situation is something that probably wonÆt last very long, and anyone who wants to get these below Prime fixed rates on a mortgage needs to act now, before the opportunity is gone." Star Mortgage, Inc., is a licensed mortgage broker based in Tampa, Florida, and offers prospective clients a free mortgage analysis and consultation. They specialize in mortgages for the Florida market. Further information and a short

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Toby Hillcrest Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs

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