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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 the world's tallest monument?
A	The stainless steel Gateway Arch in St. Louis, MO, designed by architect Eero Saarinen and costing $29 million to build, is 630 feet high.
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Sandy Pattock-Beeler and Team, REALTORŽ, real estate agents and broker for Plymouth, Canton and Northville Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Sandy Pattock-Beeler and Team
Coldwell Banker Preferred Realtors
44644 Ann Arbor Rd.
Plymouth, MI 48170
Direct Line: 734-416-0134
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Email: SandyPattockBeeler@yahoo.com
Sandy Pattock-Beeler and Team have become the Realtors of choice in the Canton, Plymouth and Northville real estate markets for one reason, they provide each and every client an unparalleled commitment to the highest level of Personalized Service, Loyalty, and Professionalism. Sandy Pattock-Beeler and Team continually strive to exceed your expectations, making your real estate transaction a pleasureable and stress free experience, whether youre Buying, Selling or Relocating. Sandy is the recipient of Coldwell Bankers International President Premier the highest possible award for a sales associate, ranking in the top 1/2% out of 120,000 agents worldwide, and consistently achieves the #1 agent honor at Coldwell Banker Preferred Realtors. Sandy Pattock-Beeler and Team specialize in residential resale and new construction working hand in hand with local builders and developers. Call Sandy Pattock-Beeler and Team for all of your Buying, Selling or Relocation needs. We also provide leasing and rental management assistance.

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