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Welcome! Here is where You will find the best information on Chapel Hill, Carrboro and Durham, North Carolina Real Estate. We are also experts on and serve the Hillsborough, Pittsboro, Orange County and Chatham County real estate markets. Whether you are Buying or Selling, let us guide you through the process with ease using our Expertise in real estate Counseling and Negotiating. We are your NUMBER1EXPERT.

The Owens Team.....Working Over Time For You!

When you work with Us, you really get the best of both worlds.

We are native to the Triangle, North Carolina area but have moved multiple times across the US.

We know the area and we know what you are going thru when you are relocating!

We have two sets of ears, eyes and twice the energy as a single agent.

We provide old-fashioned service with a new generation attitude. We are old school when it comes to exceeding expectations but we are new school when it comes to new techniques and technology!

Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes.

Need local real estate information? We've summarized much of what is important about the Chapel Hill, Carrboro, Durham and surrounding area markets in this site.

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School Reports in Chapel Hill, Carrboro and Durham, North Carolina

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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 highest altitude hotel in the world?
A	The Hotel Everest View sits at the record altitude of 13,000 ft (3,964 m) above sea level, in the rarified atmosphere of Namche, Nepal, the village closest to the Mount Everest base camp.
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The Owens Team, REALTORŽ, real estate agents and broker for Chapel Hill, Carrboro and Durham North Carolina home listings, property and land for sale - NUMBER1EXPERT(tm)

The Owens Team
RE/MAX, Winning Edge
1526 East Franklin Street, Suite 101
Chapel Hill, NC 27514
Phone: 919-260-8163
Phone: 919-593-6696
Office Phone: 919-869-8400
Fax: 919-869-8399
Fax: 919-869-1563
Email: owensteam@NUMBER1EXPERT.com

The Owens Team.....Working Over Time For You. When you work with Us, you really get the best of both worlds. We are native to the Triangle, North Carolina area but have moved multiple times across the US. We know the area and we know what you are going thru when you are relocating into or out of the area. We work together giving you double the coverage. We have two sets of ears, eyes and twice the energy as a single agent. We provide old-fashioned service with a new generation attitude. We are old school when it comes to exceeding expectations but we are new school when it comes to new techniques and technology. Let Us show you the power of RE/MAX and the power of Our Tested Buyer and Seller services.

CRS Equal Housing MLS REALTOR

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