Clearwater, Safety Harbor and Oldsmar real estate and homes for sale in Florida - Kim Decanini

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Want the most current listing information? Need local real estate advice? Call me for a free market analysis: 727-434-3105.

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Welcome to Kim Decanini's Tampa Bay Area Real Estate Website

SOLD OVER $200 MILLION IN TAMPA BAY REAL ESTATE!

Kim Decanini - A Household Name You Can Trust

Kim is the top agent in the area and has been for several years. Her knowledge and experience have placed her among the top 100 agents in Florida consistantly for more than a decade! Kim has lived in Safety Harbor since 1992 and is one of the most well respected realtors in all the entire Tampa Bay Area.

If you are buying or selling a home or if you are being relocated in or out of the area, one call to Kim will provide you with all of the information, contacts and referrals you will need to make your next move a smooth one. Kim will handle every aspect of your real estate transaction and give you peace of mind that your purchase or sale will be handled by a seasoned realtor whose professionalism is without peer. Call Kim now to experience the difference for yourself!

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 Clearwater, Safety Harbor and Oldsmar real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job.

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. We have the experience and track record you are looking for.

Sincerely,

Kim Decanini

Real Estate Tips

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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Real Estate Trivia

Q	What was considered the world's tallest building one hundred years ago?
A	The Eiffel Tower in Paris, France, completed in 1889 and standing 984 feet tall, is still considered one of the world's greatest structures.
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Kim Decanini, REALTORŽ, real estate agent and broker for Clearwater, Safety Harbor and Oldsmar, Florida home listings, property and land for sale

Kim Decanini
Realty Executives International
1007 Chillum Court
Safety Harbor, FL 34695
Mobile: 727-434-3105
kimmyd123@yahoo.com

Your Safety Harbor specialist with over 11 years of experience selling in the local community. I have sold over $200 Million dollars worth of Tampa Bay real estate and can get your home sold too. If you are buying a home, look no further than an agent who has over 450 sales to her name. Kim Decanini - A household name you can trust.

ERC REALTOR wcr