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Bloomfield Hills and Bloomfield Township Real Estate Sales

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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	What country of the world has the highest percentage of private housing?
A	Mongolia, where 100% of all properties are owner-occupied.
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The Holland Team, REALTORŽ, real estate agents and broker for Rochester Hills, Bloomfield Hills, Birmingham and Troy home listings, property and land for sale - NUMBER1EXPERT(tm)

Paul & Tone Holland
Keller Williams Realty
Lake Orion, MI. 48360
Office: 248-530-7254
Direct: 248-343-0449
eFax: 248-920-0558
Email: Info@TheHollandRealtyGroup.com
Meeting your real estate needs! Everything you need to know about buying or selling a home can be found here on the Holland Team's Web site! As the preeminent real estate professionals in Oakland County, they are dedicated to providing the finest service available while breaking new ground. The Holland Team covers the following areas: All of Oakland County, including Rochester Hills, Rochester, Oakland Township, Bloomfield Hills, Birmingham, Troy, Clarkston & Lake Orion. Because the real estate industry is becoming more sophisticated and challenging every day, you need a professional that understands the industry and is positioned to stay ahead of the game. Paul, Tone, and their team go the extra mile to help you achieve your goals. That's why they constantly research the market and property values so that your home is priced effectively from day one. They also make sure the public knows your home is for sale by using innovative advertising and advanced marketing techniques to attract the maximum number of potential buyers. NOT ANY REALTOR WILL DO! Whether you're buying or selling, you've come to the right place. Contact them today! Call 248-396-9858 or email Info@TheHollandRealtyGroup.com.

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