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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	On what famous American street can you find the most expensive retail space for rent anywhere in the world?
A	Fifth Avenue, New York City, U.S.A. offers retail space for rent at the rate of $580 per square foot.
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Ted Stout, REALTORŽ, real estate agent and broker for Punta Gorda, Port Charlotte and Charlotte County Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Ted Stout
Keller Williams Peace River Partners
660 Charlotte Street, Suite 5
Punta Gorda, FL. 33950
Office: 941-637-3737
Direct: 941-286-6286
Fax: 888-408-4613
Email: stout@tedstout.com
Ted Stout is the real estate expert of Charlotte Harbor and one of the top-producing agents in the area. As Managing Broker of Sunshine Realty Services, he has built a successful business by focusing on professionalism, integrity and exceeding clients' expectations. Ted builds congenial, long-lasting relationships with his clients and will always go the extra mile to provide personal attention and results. Ted's primary focus is buying and selling residential real estate but he also has experience in residential development and investor representation. By applying his broad-based real estate expertise, Ted will save you time and money but most importantly he can help you avoid making a costly mistake. Ted's passion in addition to real estate is being on the water, whether it's fishing in a tournament, diving or racing sailboats. His professional real estate knowledge plus a deep appreciation and love for the local region and waterways make Ted the ideal professional for anyone looking to learn about and purchase waterfront property.

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