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Real Estate Tips
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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Real Estate Trivia
Q 
Which city in the U.S. has the longest formal name, but the shortest abbreviated name?

A 
El Pueblo de Nuestra Senora la Reina de los Angeles de la Porciuncula is the full name for Los Angeles, known as "LA".
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The Christ Team, REALTOR®, real estate agents and broker for Georgetown, Round Rock and Austin, Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

KARI CHRIST w/ THE CHRIST TEAM
Keller Williams Realty

823 S. Austin Avenue, Georgetown, TX 78626
Phone: 512-863-2220
Direct: 512-784-8181
Fax: 512-868-6917
Email: Kari@KariChrist.com

You will love the home buying or home selling experience because we'll do it together! Real Estate is our passion and it never grows old because every client is unique, every client has different wants, different needs, different styles, different personalities. What fun!

TRUST is what we build our relationships on both in our personal lives and our professional lives. We live by the GOLDEN RULE and we want it show vividly in everything we do!

Those who have worked with us know that we listen, and what is important to YOU is important to us. We realize that little things can make a big difference.

We realize you have many choices when it comes to Real Estate Agents, and we will strive to not only meet your expectations, but to exceed them.

Give us a call or drop us an email today.


Accredited Buyer’s Representative Certified Residential Specialist Graduate Realtor Institute Accredited Staging Professional REALTOR



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