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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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| Q |
According to Feng Shui, the art of home placement, what five elements are needed in a harmonious environment?
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| A |
Wood, fire, earth, metal and water must be balanced to create a happy, prosperous home. |
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Maria Vaill
RE/MAX True Advantage
1105 Furys Lane
Martinez GA 30907
Direct Anytime: 706-955-5112
Fax: 706-364-0897
Office: 706-922-9292
mvaill@remax.net
I approach each of my client’s moves with an unshakable determination allowing them to relax while I handle every detail of their investment. With a calm demeanor and positive outlook, my goal is to handle every real estate transaction efficiently and successfully.
My standards and business philosophy are simple.
TO ALWAYS...
...Live by the "Get by Giving" philosophy
...Make my clients #1 goal, my #1 goal
...Be willing to work toward a common good
...Do what I say I'll do, Sometimes more, Just Never Less
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