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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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For Home Buyers:
Why Buyers Choose Bill Pauling - Why homebuyers looking for a real estate agent in the Lake Minnetonka, Minnetonka and Minneapolis Western Suburbs area choose Bill Pauling. Latest Listings - Get Bill Pauling's latest Lake Minnetonka, Minnetonka and Minneapolis Western Suburbs listings of homes for sale first! Find Your Perfect Home - Bill Pauling will search for your ideal home and email you the newest Lake Minnetonka, Minnetonka and Minneapolis Western Suburbs MLS listings of properties in County MN. First Time Homebuyers - Are you a first time homebuyer in Lake Minnetonka, Minnetonka and Minneapolis Western Suburbs, MN? Choose a top real estate agent. Bill Pauling can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Lake Minnetonka, Minnetonka and Minneapolis Western Suburbs house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find Lake Minnetonka, Minnetonka and Minneapolis Western Suburbs Homes, For Home Buyers, For Home Sellers, Lake Minnetonka, Minnetonka and Minneapolis Western Suburbs Information, Real Estate Resources, and About Bill Pauling. 
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Financing Your Home >More On ARMs
Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.
One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.
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| Q |
What is the world's most valuable piece of furniture?
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| A |
The 18th century Italian Badmiton Cabinet owned by the Duke of Beaufort sold in 1990 at Christie's, London for $15.1 million dollars. |
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