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“She is a top professional and we value her expertise and her friendship."
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Welcome > Agent Info > The Croney Team's Resume ...

Our Experience, Credentials, Track Record, and Awards

Nancy Croney

Nancy is the experience behind this powerhouse team. She has over 30 years experience in the Real Estate market. She has worked as an accredited appraiser and as a loan officer. Nancy quickly established and maintained a multi-million dollar production level due to her high energy and attention to detail. She enjoys working with people and is an expert at overcoming problems. She is also a member of the Women’s Council of Realtors and volunteers at GRACE in Grapevine.
Jocelyn Croney Sandruck

Before becoming a licensed real estate agent, Jocelyn spent time as the office manager learning the important steps to ensuring a smooth transaction. As a Realtor she enjoys working one on one with clients,
excels at relocating clients and has outstanding customer service.

She loves to garden and is an active member of the Grapevine Garden Club. She graduated from St. Joseph’s University in Philadelphia and also spent a year as a VISTA volunteer working with high school students in inner city Philadelphia.

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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 is considered one of the few remaining tax shelters in the 1990s?
A	Homeownership--property taxes on a residence or vacation home are deductible up to $1 million.
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The Croney Team, REALTOR®, real estate agent and broker for Colleyville and Southlake Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

The Croney Team
RE/MAX Masters
425 East Southlake Blvd.
Southlake, TX. 76092
Nancy Croney: 817-781-9464
Jocelyn Croney-Sandruck: 817-781-9463
Fax: 817-488-4768
Email: Nancy@CroneyTeam.com
The Croney Team is a family team and together have over 35 years of real estate experience. We've been voted "Best Realtors in Dallas" by D Magazine and we'd like the opportunity to show you why. Our goal is to provide our clients with knowledge and care that exceeds their expectations. Call us today about our services.

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