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The Miller and Clark Team, REALTORŪ, real estate agents and broker for Ames, Nevada and Boone Iowa home listings, property and land for sale - NUMBER1EXPERT(tm)
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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 
What is the world's longest wall?

A 
The Great Wall of China, at a length of 2,150 miles, nearly three times the length of Britain.
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The Miller and Clark Team, REALTORŪ, real estate agents and broker for Ames, Nevada and Boone Iowa home listings, property and land for sale - NUMBER1EXPERT(tm)

The Miller and Clark Team
Triplett Real Estate

410 Fifth Street
Ames, IA. 50010
Phone: 515-232-5240
Fax: 515-232-3093
Email: themillerandclarkteam@NUMBER1EXPERT.com

Nancy Miller and Julie Clark truly believe in the "Power of Two" when working for you. By working together they provide the client with a broad spectrum of experience and knowledge. With their caring approach and expertise you can be assured that you're in the right hands. Their priorities are simple....they're yours!

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