Show '1: tt The Salt Lake Tribune I t q G5 24 1994 REAL ESTATE Sunday July FINANCIAL CENTER of Utah age points a year and six during their life On a $150000 ARM at 55 percent the first year's monthly payments are $853 If it rose to 9 percent the third year payments would be Total for three years: - $1262 $37980 a :Even for home buyers who want a fixed-ratloan and can afford the higher payments the - ARM makes more sense if they think interest rates will fall Most lenders let homeowners convert for $250 an ARM to a fixed-rat- e That's cheap compared with the cost of refinancing to another fixed loan later ARMS Fend Off Inflation's Touch USA TODAY tractive as many home shopkrS are shocked to find they can't ford as large a mortgage as they could before rates surged Some- one who had enough intome tn qualify for a maximum loan of fixed $150000 when rates were at 6 34 percent could get only a $127500 loan ht 825 percent fixed rate ARMs not only help shdpers qualify for the loan amount they want but can be the better dal even if rates keep climbing Most ARMs can rise only two percent- - loans are tied rates set by the Fedto short-tereral Reserve Fixed-ratloans are tied to long-terTreasury-bonyields influenced by bond traders Although the Fed has raised short rates four times this year ARM rates have risen less than fixed-rat- e mortgages The averARM rate was 549 age percent last week — only 137 percent above its low of 412 percent ARMs have become more at e Adjustable-rat- e d one-ye- "A I 0 Mortgage in Advance I Jumbo Loans Fixed Rates & ARM's "We Buydowns Debt Consolidation people Call Us If You Have Credit Problems or If You've Been Turned Down 649-960- 399-940- 0 0 225-975- 8 Real Estate krfonnation !ft CHESHIRE TUDOR WARTY ESTATE NOTICE S1101003 eCtieseson estate locoed to loon Remise should be °Weed Ihd adoesegtous Anon ocre pkis veettemerts ri the oattorch cowman I 8 ace of hone terin may be plocea by camomile ely tctichknoi octe Poo( tem& rocoelDoe ao engaged m Ite busness at pmediboil oil in Ile onc000f of is own that flee ng rdatmaeart arty mountin setting BeCselli home wed panes must make cked conloin mon toot nosier PAW but tact wolh Ihe Kober at ne ()Indeed in Oreoue frepOCe InCrins It in putsull al a posthaste a clout boss- 1 SERVING UTAH SINCE 1988 7 LOWEST RATES IN TOWN Can 28-10- 9 for appointment 1081 E 4800 S Suite 110 CALL TODAY! °mean att awl bj wert HOME FINDING KALI' REALTORS °Bengt nctowood tneePing StOtoOSO tom 4 Coln& 1:16tA mon toot °e'l 3 cor 9309e Clint SCO301 tooms anO so rrsztt woe For cm INFORMATION ocoontren b ouro now omm Si MAWS toC FIdLtAtik te (team EAST BENCH voirVGAC7i 3635533 ond oeoosti 390 Homes cdpooac looms and fear yo1 Alamo Corvon Prt ri" VAUEY-- 4v4h kvbso606ta Ord M1401 Mfetart fa 0fe ahoNo P5008 !' goolenkti 6ort yolti tOrin - Mt 573-3- 6 teci sseaSe columns cA It newspaper ewe bots aavedsses and recedes Reol °Hem Mal enreead slam no pima f these columns Please cod 2372995 I you tra 31 y exception te Seri (rat Ste Housing Acton al 1906 d illegal which mates -to ortense any orefetence lirillobort or Cbceriration bowl on boo Odor 'sitcom or notionol ototibris tulles bolting origin with Oren Onti 'Of nondlooppeci esenion to mots One pencils siorti oreletenco qflaOn ot tris newspaper will nal trOsorcSt octosittiernere br tool °moot In ttakliKIII Of ole id Se OW Our Wets ore tietete twined Mat AU teal estate Care° 14aR 3 LbjcS 2666 cr)0 reel r C1jv to tred Ceect tootht j 1443t STROH V54 500 Gt7tri CrJ)3 Dt (345 E Feted tat brit Go)oka tolw Pt4) cops mat fol CPP 11768 S to tat pots VAPI too th awe rtwett - ' A 25w450 corn TO GROW! 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