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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 the world's highest viewing platform before the opening of the Empire State Building in 1939?

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The Eiffel Tower, built between 1887-1889, was for 42 years the highest viewing platform in a man-made structure.
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Mickey Hyams & Associates, REALTOR®, real estate agent and broker for Cumming, Alpharetta and Lake Lanier, Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Mickey Hyams & Associates Real Estate Services
Keller Williams Realty Community Partners

540 Lake Center Pkwy, Suite 201
Cumming, GA 30040
678-341-7474
Fax: 678-341-7392
Mickey@GetMickey.com

We are here to HELP YOU! We strive to give you the service you need wether you're Buying, Selling or Investing in real estate. Our mission is to do such a great job for you so that you will go tell someone else HOW GREAT it was to work with Mickey Hyams & Associates!

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