Michael Sanborn's Articles http://www.articlealley.com en-us editorial@articlealley.com Are ARMs Our Archenemy? With fixed rate mortgages at record lows and the mortgage industry in turmoil, adjustable rate mortgages have become the scapegoat, alongside subprime mortgages, for bringing down our economic house of cards. Can it be that these alternative financing opt... http://www.articlealley.com/article_1200679_19.html 27th October 2009 Another Look at the Seattle Housing Market According to the recent OFHEO report issued May 22, 2008, US housing prices decreased .03% year over year on average. Like all of these housing reports, I think it is important to know what is influencing that number. The most significant point to me is t... http://www.articlealley.com/article_568249_33.html 02nd July 2008 As Boston Goes, So Goes the Nation? According to the S&P/Case-Shiller® U.S. National Home Price Index, there isn’t a lot of good news in the housing market. But they make an interesting observation: “During this cycle, Boston was the first metro area to report negative year-over-year r... http://www.articlealley.com/article_208461_33.html 29th August 2007 A 30 Year Fixed Rate Mortgage Is Too Expensive? It is simple mathematics: Most homeowners are only comfortable with a 30 year fixed rate mortgage. Most homeowners do not have their mortgage for longer than 5 years. Therefore, most homeowners are paying thousands of dollars in additional interest just b... http://www.articlealley.com/article_134882_33.html 05th March 2007 2006 Housing Market Third Best Ever – Overall dollar volume second highest in history. For those of us in the real estate and mortgage industry, much of the recent news is causing us to wonder if many of us will still be here this time next year. The real estate industry is changing and any successful agent or mortgage broker must adapt to ... http://www.articlealley.com/article_123550_33.html 26th January 2007 1% Mortgages? What is the catch? Adjustable Rate Mortgage interest rates are made up of two things ? the Index value (the portion that fluctuates) and the fixed Margin. Combined they equal the interest rate charged on your loan. The Index (Treasury-based, LIBOR, COFI, COSI, etc.) can flu... http://www.articlealley.com/article_100553_19.html 15th November 2006 1% Mortgages? What's the catch? Adjustable Rate Mortgage interest rates are made up of two things ? the Index value (the portion that fluctuates) and the fixed Margin. Combined they equal the interest rate charged on your loan. The Index (Treasury-based, LIBOR, COFI, COSI, etc.) can flu... http://www.articlealley.com/article_100552_19.html 15th November 2006