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Welcome to Sherlyn Waghalter'sPensacola, Gulf Breeze and Pensacola Beach Real Estate Website

Welcome! Here You Can Find Great Information on Pensacola Beach, Gulf Breeze, Navarre, Pensacola, and Perdido Key, Florida Real Estate!

Looking for homes? Don't get up! Search everything the web has to offer right here! Be sure to check out our Feature Homes.

Need local real estate information? We have summarized much of what is important about the Pensacola, Gulf Breeze, Navarre, Perdido Key and Pensacola Beach real estate market in this site.

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Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As top real estate agents, we have the experience and track record you are looking for. Please let us help.

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Financing Your Home >ARMs

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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Q	What real estate term was first used in the 19th century and means "a high-flying flag on a ship"?
A	Skyscraper was first used in the 1880s when office buildings of 10 stories or more were built in Chicago and New York.
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Sherlyn Waghalter, REALTOR®, real estate agent and broker for Pensacola, Gulf Breeze and Pensacola Beach, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Sherlyn Waghalter
RE/MAX on the Coast
836 Gulf Breeze Parkway
Gulf Breeze, FL 32561
Office: 850-932-6278
Cell: 850-449-4242
Email: swaghalter@remax.net

Sherlyn Waghalter is the Broker/Owner of RE/MAX on the Coast. She is one of the leading Realtors in Northwest Florida and considered to be one of the foremost experts on the area. Sherlyn has received numerous accolades, including being selected as the Emerging Business Leader in Pensacola, FL, in 2005 and joining the RE/MAX Hall of Fame in 2006.
Sherlyn understands the process of relocating: She moved from Baton Rouge, LA, with her spouse and three children in 1995 and quickly learned about what the region has to offer with its schools, hospitals, and events. She is actively involved in the community, participating in the Junior League of Pensacola (sustainer), IMPACT 100, Greater Pensacola Ladies Tennis League, the Women’s Council of Realtors and as a local school volunteer.
Sherlyn is ranked No. 16 out of 7,000 RE/MAX agents in Florida and is the No. 1 RE/MAX agent in Northwest Florida. Her success can be attributed to knowing her community and treating each of her clients as she would like to be treated. Let Sherlyn put her experience and knowledge of the area to work for you. Call or e-mail her today for information on your next real estate transaction.

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